There are so many ways to manage money and prepare for a relaxing future, we just always have to keep doing our best because whatever we plant now, we will harvest later, good or bad.

Investing wisely can significantly impact financial stability, offering peace of mind and more opportunities. While money can't buy happiness, managing finances well now will determine future outcomes. Let's continue making smart financial decisions.

As a novice, how do i get into investing properly and be profitable?

Angela Lynn Schilling is the licensed coach I use. Just research the name. You'd find necessary details to work with a correspondence to set up an appointment._

I looked up her name online and found her page. I emailed and made an appointment to talk with her. Thanks for the tip

So you left. Did they try to lock you in, or shoot at you while you were leaving or something?

@@penultimateh766 They were kinda apathetic about the whole thing. I mean, I wasn't performing to their standards, so they were probably going to fire me anyway. They had a new sucker to replace me in a couple months anyway. Funny thing though, my grandma passed away in the middle of my two weeks notice, so I only really worked 1 of my scheduled shifts.

@@ThatGamerDude9000 And yet somehow this hellish company manages to stay solvent. Curse those unfeeling consumers.

@@penultimateh766 I mean, you are kinda talking about every grocery chain in existence. The practices between each one I am sure aren't that different. It's just a convenient business model for most consumers. People don't have time or the money for gas to shop at more ethical stores that are further away. For instance there's a local small-scale dairy farm about 30 minutes from me. Milk is cheaper there than it is at my farmer's market, but because of the distance, going shopping there for just milk, heavy cream and half and half becomes more expensive due to the gas cost of driving there and back (I did the math to double check, since I'm trying to save as much money as I can right now to get an emergency fund put together). Other things, I just can't get in more ethical stores near me. For instance, I tried two farmers markets near me, and a cheese shop. None carry Monterey Jack, so I either forego it, or I bite the bullet and buy at a grocery chain. At least, compared to most grocery chains, wegmans tries to source it's fresh products locally where it can. They may be assholes to their employees but they still kinda support local businesses. It's a gray area. I don't blame the consumers for the actions of the corproations. It's the government that should be enforcing the working standards the companies have to follow. I do my best to shop as ethically as I can. I boycott Amazon and Walmart. I was boycotting Home Depot for bankrolling homophobic politicians, until I moved, and had no choice. As the saying goes, "There is no such thing as ethical consumption under capitalism."

​​@@penultimateh766bootlicking in a KZfaq comment section for a random company? That's very productive of you Mr business

Just like capitalists fight hard against communists, and vice versa.

You're wrong. Certain unions in Europe have started to be sabotaged from within. So even if they manage to come back, the sabotage playbook is already written, they'll be completely pointless and additional money drain on the workers participating in them.

We could learn a thing or two about union’s supporting political parties here

Unfortunately that requires organization, critical thinking, and rejecting right wing policy that people grew up with for decades.

A major reason was discussed somewhat in the video: white workers were given the dubious privileges that come from being 'white' if we gave up the more valuable privileges that come from fighting as a united working class. This reality was worst in the South and to this day, this region is the lowest paid on average. Theres literally companies from Canada and more union friendly states closing union shops and moving to Southern states similar to how companies move to places like Mexico and Central America.

​@@cloakedoblivion22I think for that to work in the US, we'd need a third party to somehow become viable. Or either of the current parties would need to significantly change their stances to become truly pro-union.

@@theaconite1400 Democrats have been pro-union for literally a century, even through/after the "Big Flip". Republicans have been consistently anti-union, even in otherwise pro-union regions.

1- Unions push for career development. If you had a path to promotion, then maybe job-hopping wouldn't be as necessary.

2- Better pay, PTO, healthcare, etc benefits you whether you're there 2yrs or 20. And hopping is an early-career strategy. There's a case for improving labor now, so that there'll be better opportunities when you want a more stable job situation.

Good luck with those 4 year contracts when inflation hits 20%

@@thedopplereffect00 Inflation has been coming down for months, and was never anywhere near 20%, not in the US anyway. Also, most union contracts include cost-of-living/inflation adjustments as a matter of course - you're negotiating for increases *above* that.

@@mandisaw Oh yeah. Because we can make everyone a CEO if only we made Unions stronger. You're delusional dude.

Collective bargaining always leads to rewarding lazy people at a cost of efficient people. That's why communism fails.

Business owner?

However the Unions that should be at the forefront always are blue collar, light blue collar or any union that is high skilled and has to put their health and sanity on the line as they are the ones with the most weight.

@@Aloysius10 You'd be surprised that there are weak points in any company. I worked in the backroom unloading trucks at Walmart. The entire store I worked at (bigger than most) has about 3-5 days worth of food in the store. The backroom is completely filled every day with ~10,000 items. There are 10 employees for every manager. Unless there are a ton of nothing jobs there is just no way without outside help. Just have a region wide strike so they couldn't fill in with other employees. Unemployment is at 3% they can't get new hires. But that might be why I got $17.50 an hour off the street in a town with $500 rent with no relivent experience or education.

@@vietle8157 yes

except that they make it harder for new workers to join the workforce, as companies are less interested in taking the risk of hiring new people with less/no experience when they know they'll be stuck with them due to the union rules even if they don't work hard unions also provide protection to crappy/abusive coworkers, limiting the employer's ability to reprimand/remove them

A problem is unions exist in jobs that have lower numbers of people willing to work them anyway. Most people would rather work cushy so nothing tech jobs than a union job.

Except for when they force their employer to close their workplace thus liquidating their jobs entirely. Long-term thinking. Not that hard, just try it.

I’m in a union currently and I agree. If I was with another company, and not in a union I would make significantly less. Many of my peers have worked for this company since they were young and retire here. It’s definitely made me consider staying here longer. People are happy at my job.

@@thewheeldeal8439 Unions provide protection for all the good workers too. They don’t suddenly deserves less pay and shittier treatment just because some people are incompetent.

Workers demanding rising up is an issue?

How did that work out in every country that has tried communism so far?

@@thedopplereffect00 idk have you been to France? Germany? Denmark? Netherlands. They work 35hours, get a month of vacation every year and have much safer work conditions. Please tell me how evil it is to not give 99% of company revenue to CEOs and stock buybacks.

@@thedopplereffect00 YAWN! The expected response from a mind fed McCarthyism for decades. You must be a parasitic CEO stealing the wages of your workers and not paying them what they deserve. Capitalism is working great in the United Shitholes of America from what I see...more people living on the streets, more people dying from diseases of despair, everything is crumbling...fascism and censorship are getting worse, all your liberties, your privacy, everything is being taken away...but you say, "communism bad!" what a tool!

Unions give money to Democrats to push big techs interests.

We honestly do. And I’m saying this as someone who is right leaning. We’ve been lied to. People keep spouting propaganda they’ve been told to say their whole lives. Just because you are pro worker doesn’t mean you’re anti capitalist, or put in a different way, giving workers basic dignity and rights doesn’t mean you’re a communist. Businesses shouldn’t have the right to exploit people and strip them of their dignity as people just because they pay them a salary. People need to work to live, so providing them with a safe environment in which to be productive ought to be the bare minimum. But lots of companies are willing to forgo that for the sake of money. What’s the point of being capitalist if we’ve forgotten who capitalism is actually for?

Yet another thing that Baby Boomers helped Ronald Reagan ruin.

same goes for missouri

That's awesome! I didnt know that

Well, I had a video pop up on my feed not too long ago from some HR lady saying your coworkers aren’t your friends. And she was basically advocating for this mindset. How stupid.

@@ntmn8444 She was advancing her interests, and we should advance ours. Those in power innately understand class solidarity and we should learn from their example.

Weak governments? What's your tax rate?

​@@thedopplereffect00 oh please even Warren Buffett bragged about paying less taxes than his secretary. The government is on the side of the wealthy.

Ah a fellow man of culture I see, but where has he gone? it's been 8 months with no uploads.

Yup. Bidenflation

Right! Like in Europe, employers have to give you notice if they plan to terminate you or else they get fined. Also, you can’t fire people during parental leave

Well those dues would become taxes, but I agree. Government is much bigger than any union and can make any company comply.

@@DiamondFlame45 And in Germany we still have Unions since not inflation adjusted pay and abuse still persists. Not gonna be able to sue a multi-million company when you've just gotten your way to welfare by being fired from said company. Union lawyers can though :,)

Capitalists and the human rights of labor will always be at odds. Regulatory capture ensures that the laws are beholden to capital.

@@sanguineel Wrong. Capitalists and communist demagogues who try to gain power by brainwashing you into thinking you're a victim will always be at odds.

They also forget that there's heavy heavy tariffs involved when corporations try to move overseas and then ship product back.

I am actually not that certain. Mainly because neo-liberal ideology like trickle down and "rugged individual" have been largely discarded and there isn't a whole lot else for workers to do. While I don't know if they will get violent I don't see them stopping mainly because people have been pushed into a corner.

What do you mean by that? Couldn't you choose not to join the union?

Just complain to your union rep

@@me-myself-i787No, it‘s mandatory. That‘s the real issue.

@@switzerland Yeah, that's an issue. I can see why they thought it was a good idea (if it's illegal to hire outside a union, the union has much more leverage, so they can negotiate better terms) but in practice, it doesn't work well.

Then why dont you become a rep and fix the problems instead of complaining. Maybe the issues are more complex than you give it credit for! Unions tend to set the rate of pay for the private sector too. So even if you're outside the union, you benefit from its existence in the private sector.

Individualism is awesome for a hard worker.

@@jaypence332 If your employer decided to pay you a certain amount and you asked for more, it's much easier for them to refuse 1 person and replace you that it is to refuse a large group of employees who can cost them.

Not higher than ever, but yes, higher than it's been in a long while.

It’s not higher than ever. Let’s get real with that. But it is making a comeback, bc companies are starting to see how much more they’re losing by importing their products from elsewhere.

Iirc it's a tentative agreement that we don't know the terms to. I hope WGA didn't get screwed or the deal doesn't fall through.

Ya sure all those real working class unions feel real solidarity with a bunch of terrible writers

@@Seagaltalk The main point of that strike was to not be replaceable.

​@@SeagaltalkMost writers aren't salaried, they are gig workers. Even if you worked on a hit show, you still only get paid for a few weeks work. No new gigs, no pay. So they are definitely working class.

​@@Droidman1231Leadership said it was a solid deal. They wouldn't have called for a vote otherwise, that's generally how it works.

A dear colleague of mine suffered the same way. We both taught in an inner city and he was cast to the wolves! @@billhammer9241

Yes, if you want to escape heavy handed government in the USA, you should move your factory to Argentina!

They don't mean another country. They mean another US state where people have not yet been brainwashed by Marxist demagoguery.

Same, it more likely to get you factory burn down than anything. I think that companies are moving their factories to South Asia and South East Asia. China's government right now is to hostile to foreign investment, America is too expensive, Latin America has more favorable laws to employees and it isn't that cheap anymore, Europe is too expensive and the laws are pro union, Africa too politically unstable

Not focusing on the value they add to the companies? For the members: Unions are groups of workers. The whole strike shows the value the workers give the company. The company relies on their work to function. For unionization itself: Workers form unions to protect themselves, not the companies. The company already has plenty of power to protect itself, hire good lawyers, freeze pay, etc. A company makes more money if they can make employees do more work for less pay. They get more work to bring in revenue, and they spend less money on staff. For workers to get more pay without more hours, the company needs to have less profit. They can't stand for workers rights while also focusing on increasing company profits. The fact that high-demand jobs exist doesn't mean most people are in high-demand jobs. The thing that makes those jobs so valuable is the small number of people in the industry. By definition, they cannot be the majority of jobs. The vast majority of people work in jobs that would benefit from unions.

A counterbalance to the overwhelming leverage corporations have on the average worker is necessary, and while unions aren't perfect they are the best we have in the us. the argument of well, they can cause some businesses to go bust is compelling as saying, "wow, all you safety standards we put in place made it harder for some businesses to stay profitable and they shut down and left the country." I don't think that means we should remove safety standards. Especially in an environment when corporate profits are as high as ever, and the wages are stagnating, if not falling.

Office workers benefit from unions too.

I mean, strikebreakers shooting at union members didn't help either. Nor did the US police teaming up with strike breakers to shoot at large groups of striking workers, like in the battle of blair mountain. Organized crime was absolutely involved with the companies that the workers striked against. The Pinkerton Agency used to be a company that made money by threatening and beating up striking workers, because companies hired them to end strikes.

I agree that public sector unions are more complicated, but they also can set an example that people can point to when unionizing in the private sector.

@@someperson5506 IMO, the only benefit as whole I see from public sector unions is what you mentioned. I’m still against them but who knows in 10yrs? 10yrs ago I was anti private sector union and today I lean in favor of private sector unions though I still have issues them (so I don’t blindly support all private sector unions nor all decisions by unions).

@@someperson5506 with private sector, I generally support them on issues like pay and benefits but I often find I I am terribly against them on the rigid rules (the worker will only do this task and any deviation will be difficult) they often create that allow little flexibility in manufacturing or a business operation. That flexibility is important in today’s business. And making it too difficult to fire workers is also bad. Can’t remember which Northern European countries but some of them make it easy (relative to European standards) to fire workers and lay off workers but they provide strong safety nets for those unemployed. This provides flexibility for the companies but also has a safety net for workers that they don’t really take a financial hit.

I will forever be grateful to Arleth you've saved me from a huge financial debt with just little investment I received $12,500 in two days ago.

If you don't find a means of multiplying your income you will wake up one day to realize you didn't plan good for yourself.

Can you refer me to her ???? 🙏🏻

SHE'S MOSTLY ON TELEGRAMS WITH THE BELOW NAME

ARLETH TOLEDO

Sounds like you're comparing government jobs to private sector, not unionized to non-unionized. Government employees are paid by the tax-payer, so for traditionally high-paying jobs, they pay a bit less than private, because the wages come from taxes. For middle-of-the-road jobs, government jobs pay better than private.

Because employees not being exploited isna good thing

Companies have the power to set pay, decide on raises, decide hours, etc. Unions allow workers to join together so they can negotiate as a group, instead of individual people needing to 'negotiate' (beg) with an employer who can fire them in an instant.

Because they do things rich people do with their money, it’s simple math. Poor people do poor people things with their money.

@@FranciscoGarcia-bf5rprich people are rich thanks to wage theft and exploiting the working class, smartass

Damn, didn't know that one. Battle of Blair Mountain, too.

You could work at USPS for $19+/hr, and not be forced to pay the union. I do, tho.

'my employer kept saying that they’re not allowed to raise our pay because were unionized' The employer was lying to you. The union absolutely did not block pay raises. Unions are group of workers who've banded together to bargain for their own well-being. There is no way they rallied to block their own pay. The employer didn't want to raise your pay and used the union as a scapegoat. The only kernel of truth in the 'it's up to the union' is that if the union coordinated a strike they would likely be able to raise the pay. Strikes come with their own costs and require solidarity among workers within the union, which it sounds like this workplace didn't have if the employer was successfully turning people against the union. And even then, the employer could raise your pay if they wanted to, they just decided not to unless they are physically forced to.

They could talk about union violence, but then they'd also talk about anti-union violence, including companies hiring people to beat up union workers, or events like the Battle of Blair Mountain where US police teamed up with strikebreakers to open fire on striking workers.

corporate book licker

Companies make the more profit is their costs are lower. Labour is a cost. The less they pay their employees, the more profit they make. Employees can try to leave, but in many industries the companies all pay the same low wages. Companies have a huge amount of power. A worker can ask for a raise, but a company can easily refuse. Unions are groups of employees that join together. Now, instead of individuals begging an organization that is much more powerful than them to consider paying them fairly, employees can bargain as a group. Companies require employees to run. Strikes demonstrate that the benefit the company gets from the labour is worth paying them the demanded amount.

​@someperson5506 thanks for the exclamation I'm saying that the video is just too one sided for me

Unions stopped child labor and 12 hour days

Source: I made it up

The scale is already massively tipped in favor of corporations. If there was nothing in place to regulate it, corporations would just stop the formation of all unions By just firing anyone who is attempting to create one or by penalizing anyone who were to choose to join a union. Corporations fight against union so hard These days, even with the policies in place to protect the creation of unions, because they lose a lot of leverage. The average person losing their job is a much worse problem to have than the corporation facing the lose of one employee.

Literate people

@@mandisaw Pretentious

@@Iffy50 Also a good word

@@mandisaw lol... you made me chuckle

When a small number of people own and control a disproportionate amount of the world's assets, those owners become very powerful. These owners tend to use that power to benefit themselves rather than the many. In the best case you get philanthropy, where the desires of the rich shape what supportive programs are available to the poor without the input of those many people whose lives are directly effected. In the worst case, you have rampant exploitation in which the rich pay the poor meager wages to wait on them and provide luxuries that the poor could never access, even with lifetimes of wages. In terms of the downsides of poverty, people often can't meet their basic material needs. They might have too little or poor quality food and experience malnutrition. Poor people may not be able to access quality healthcare. They may not have consistent access to safe shelter from the elements. Essentially, in an economy as large as the world's currently is, income equality could achieve every person accessing the resources required to meet their needs. Hopefully even to access some wants too. But in the current state of rampant inequality, some people have access to more resources than they could ever need, and others have far too little to live safe, healthy, comfortable lives. I hope this is a helpful summary. Certainly only an introduction to a topic of endless depth

It's not negative. 12% of Americans reach the top 1% for at least 1 year of their lives. You can look further in NY times article

​@@NicitoStaAnaI do not see how this justifies the claim that wealth inequality isn't negative

@@ZimmervisionCZ cuz wealth gap is just a political tool rather than a socioeconomic measurement I remember the time when rich (as in the top 0.001% rich is 100k USD. Well that's 1900s-1920s money The productivity vs income gap started around the digital/information age. Ynow, the time when computers are mass produced/information are sent for pennies on the dollar compared to previous eras? Let's make it easier what im trying to say (You can look this up, Jordan interviews FBI agent who arrested him) When Jordan Belfort was arrested, the FBI agent spent months/weeks creating a case file/folder. With spinster stuff on the wall type of detective just to prove that Jordan and his goons are doing money laundering. Now? All he needs is excel+financial data. So X months of work converted to a 10 mins to a few hours of excel formulas/macros. To prove reasonable doubt to start an investigation. That's detective work. Imagine all of the trillions worth of jobs/billions of computers that made things efficient. That's where the gap come in, machines so efficient, wages didn't catch up compared to the wealth the people operating it. (I assume same thing happened with other revolutions, ie industrial revolution) BUT Is it a bad thing? Should we be modern luddites then and protect workers and burn AI/censor the sending/saving of information of data (journalism/free-speech data) in the name of common good? Or let things progress and regulate something where it fails?

@@ZimmervisionCZ Nor is it an explanation.

There is a reason why MTA sucks.

There are always shitty people with power. Unions allow workers to be part of bargaining. Employees create the value that the company profits off of. If a dollar's worth of ingredients is made into a dish that is sold for $10, the $9 of value that just materialized came from the employee who cooked it. If employers make so much profit off that labour that they would rather have people work 4-day weeks than lose their labour, then the labour is worth that amount. For some reason, 'market price is whatever people are willing to pay' gets freely applied to objects, but doesn't get applied as much to labour.