Among White households, who remained near the national median, 18.3% had six figure incomes, while 28.9% had incomes exceeding $75,000.[31] The percentages of households with incomes exceeding $100,000 and $75,000 were far below the national medians for Hispanic and African American households.[33] Among Hispanic households, for example, only 9% had six figure incomes, and 17% had incomes exceeding $75,000.[34] The race gap remained when considering personal income. In 2005, roughly 11% of Asian Americans[35] and 7% of White individuals[36] had six figure incomes, compared to 2.6% among Hispanics[37] and 2.3% among African Americans.[38]
The main problem I have with the 401k is that the investment options suck. All the mutual funds (including target date funds) have a high front load fee (4.25%-5.25%) and high expense ratio (0.9%-to-2.0%). With the ROTH I get the benefits of low-cost (0.05%-0.30%), no-load index funds. In some respects there is little difference between the after-tax dollars in a ROTH with no-load funds and pre-tax dollars in a fund that immediately siphon 4.25% out. Sure, I’m taking a upfront hit on the taxes with the ROTH. However, I am also going to be taking an upfront hit from the front load fees and a continual hit with the higher expense ratio in the 401k
Always disclose your affiliate relationship. Most visitors will probably understand that graphic ads will lead to your getting paid, but if you write a review or use an in-text link as a recommendation, you want your readers to know that may lead to compensation as well. This ensures you retain transparency and trust with your readers, but also, it's required by the FTC's endorsement rules.

I’m 23 y/o and have been going to community college on and off since h/s. Didn’t really care about grades the first 2 years so that really screwed up my gpa in the beginning. Long story short, I’m sitting at a 3.0 gpa currently and want to change my situation. I’m going to take school and grades more seriously. I have to stay one more year at community college to complete the required transfer classes to be able to attend a university. I can probably raise my gpa to a 3.1 before i transfer, but I don’t think i can transfer to a good business school with that gpa. So I plan to transfer to a Cal State and try to keep a 4.0 for 2 years until I graduate so my average gpa from community college and University would be about 3.5-3.6. Then, my next step would be to apply to a top 15 business school


Hey guys. Great post with detailed, actionable content. I would like to add my ‘2 cents’ if that’s ok. You are absolutely right with offering a ‘free gift’ in exchange for someone’s name and email address but I have found short reports have worked best for me. If you give away too much information for free they don’t tend to get consumed so the trust isn’t built with your subscriber. Your free gift is the first point of contact with your prospect so it’s unlikely they will read an entire ebook but if you give them a short report which they are able to consume in about 20 mins and they get tremendous value from they are more likely to listen to you in the future and buy your recommendations. A big mistake i see a lot of affiliates make is the content they use for their free giveaway. They think just because it’s given away for free that they can just throw together some PLR material and use that. Unfortunately that doesn’t cut it these days and will damage your relationship with your prospect rather than strengthen it. The best way is to carry out some research in your marketplace and see what pains and frustrations your prospects have and create your free giveaway around that.
In regards to the the oil industry and environment, the choice is made by the collective populations of the world. As long as the world demands energy, there will be a market for it and that may come at the expense of the environment. I’m not saying that’s right, but consumers share the same amount of responsibilities of our planet as oil producers. Without the consumers, producers will not exist.
A correlation has been shown between increases in income and increases in worker satisfaction. Increasing worker satisfaction, however, is not solely a result of the increase in income: workers in more complex and higher level occupations tend to have attained higher levels of education and thus are more likely to have a greater degree of autonomy in the workplace.[20] Additionally, higher level workers with advanced degrees are hired to share their personal knowledge, to conceptualize, and to consult. Higher-level workers typically suffer less job alienation and reap not only external benefits in terms of income from their jobs, but also enjoy high levels of intrinsic motivation and satisfaction.[10][20]
Incomes for those employed, full-time, year-round and over the age of twenty-five ranged from $20,826 ($17,422 if including those who worked part-time[7]) for those with less than a ninth grade education to $100,000 for those with professional degrees ($82,473 if including those who work part-time[7]). The median income for individuals with doctorates was $79,401 ($70,853 if including those who work part-time[7]).[29]
I wouldn’t say 500k+ is typical for physicians in the U.S. It depends a lot on specialty of practice. I married a physician who specialized in family medicine, which is primary care. Her prospects upon leaving residency are more between the 200k-300k range. I’m sure it could be more in other geographic regions. I know one family medicine physician who started his own clinic, grew it, hired other health care providers, and makes about 750k. I don’t think that is typical — he just works his behind off. My wife isn’t willing to live her life that far out of balance. She wants quality time at home as well. Surgeons probably earn the most, and I know getting into an anesthesiology residency is highly competitive. Anyway, to sum up my point in a brief way (too late!), there is a broad range of physician income highly dependent on specialty of practice.

Very easy my dear friend, I think reading this article, any body can make money online. So the basic idea of this whole article was -affiliate marketing through email list. Another method that is totally working and i am able to generate an average 20-50$ per days is just post proper review on any popular system and fully optimize that so that that review can rank higher in search results. This method will generate endless affiliate income for you.

The "mean annual salary" is the average salary being paid for a job or position. Your annual salary is the amount that you will get paid in a year assuming you work the entire year at that salary. For example, if you are paid semi-monthly (such as US military pay, 1st and 15th of each month), and your annual salary is $24,000, your gross paycheck (before taxes) will be $2,000.


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Affiliate Disclaimer – if you sign up for SiteGround using my affiliate link I will donate a good chunk at no expense to you. Last year (2017) I donated $3,000 to Red Cross at Hurricane Harvey – this year I’m making another GoFundMe donation. It’s my way of saying thank you (I really do appreciate it). I try to make my reviews unbiased and backed by evidence in the form of Facebook polls, tweets, and real conversations. If you don’t want to use it here’s a non-affiliate link to SiteGround. Either way I believe they’re the best WordPress host and that your website will run faster/smoother… do your research on Google/Facebook groups and you’ll find most people say the same.
You are right about inexpensive housing in Chicagoland. To each their own, but in my very humble opinion moving to the Northside of Chicago from New York City proved to be one of luckiest/smartest things I ever did lifestyle, career, marriage, and savings wise. Salaries are comparable to other large wealthy metros, but housing and other expenses can be as much as half due to zero physical constraints on sprawl. That is other than Lake Michigan to the East, which is like a freshwater sea with city parks, beaches & waves. The lakeshore is also where population density is highest and property most expensive in the 10 million person metro…yet still reasonably affordable for what you get.

You’re right that there’s tons of variables in teaching. I used to work at a Title 1 school that was almost 90% free and reduced lunch/low income. I would still work there today if it were up to me, but their funding was so bad. 🙁 It’s also interesting to look at how teachers are paid. We live in a very high COL suburb *for the Midwest*. But that’s also why my salary is so high. My district can pay what they do, at least in part, because of property taxes. It gets far more complicated when states have universal salary schedules and other things I don’t really understand 😉
I think this post is totally on point. Starting from high school, you are paving the path. I also think choosing the right career is key. I have been a court reporter for 18 years, and my best year I made 270k, and in my worst year, I made 160k. Even with taking time off to have a baby, last year I still made 140k. I also think it’s true you have to hustle. I have recommended becoming a court reporter o so many people! But none of them have wanted to put in the effort to train and work their butts off. I turned 40 this year and also became a millionaire. Greatest feeling! And I didn’t have to sleep with someone not as good looking as me, LOL! Love your posts. Keep up the good work.
With your geographics and your desire to start a business, I’d choose a business degree. Pet E. is extremely specific and you’ll only be marketable to the oil and gas industry. I’m also not aware of much activity in Wisconsin. I would be cautious about your assumptions on getting out after 1-3 years unless you have some kind of funding from other sources. 100k is only 50k after taxes and a frugal living style.

This forumla you have makes sense for some people, but not all. Case in point – I went to a college in the midwest that no one has heard of, graduated with a 3.2 GPA, and at the age of 29 closed the year with a $110k salary. My boyfriend went to one of the top 10 public institutions in the country, graduated with a 3.8 GPA, and last year earned about $20k. Yes, having a degree from a top-tier institution may have increased my current salary even more, but I think had I gone that route I would have went into a less exciting career and given myself less chances to fail. Instead, with my average academic background, I’ve been able to live out many careers in my 20s – as a business journalist, and then in a variety of roles in startups where I could put my writing skills to use. I learned how to negotiate and that’s why I’m making six figures today (and I also have a sizable stock package that could be worth more a few years down the road.) My salary clearly has nothing to do with my academic performance. Sure, Google would never hire me because I don’t meet their hiring criteria, but who needs Google when you can start out as one of the first employees of a startup and help make that startup worth hundreds of millions of dollars?


Fast forward until junior year of high school and I got a job doing an engineering internship at a prestigious national internship. I believe I made ~11-12 an hour @ 17. That summer I made about 7700, So now I’m entering HS with about 23-25k in cash. Now senior year starts and I get a raise to 13ish (woot woot). I work 32 hours a week because I’m really far ahead on my credits, and do night school and sports to allow me to work a ton. In that year I make around 13k. That puts me just under 40k going into the summer. By the end of the summer as I start undergrad in engineering I have 40-45k + 5-10k in assets between my car, and some other hard assets. 18 years old – NW ~ 45-55k.
One of the major stumbling blocks that hinder job seekers from gaining employment is usually the issue of experience. Most employers will often require their candidate to have worked in a similar niche for quite some time. This program grants job seekers such as vital resource. It is especially relevant to those who intend to pursue a career in sales and marketing.

Hey guys. Great post with detailed, actionable content. I would like to add my ‘2 cents’ if that’s ok. You are absolutely right with offering a ‘free gift’ in exchange for someone’s name and email address but I have found short reports have worked best for me. If you give away too much information for free they don’t tend to get consumed so the trust isn’t built with your subscriber. Your free gift is the first point of contact with your prospect so it’s unlikely they will read an entire ebook but if you give them a short report which they are able to consume in about 20 mins and they get tremendous value from they are more likely to listen to you in the future and buy your recommendations. A big mistake i see a lot of affiliates make is the content they use for their free giveaway. They think just because it’s given away for free that they can just throw together some PLR material and use that. Unfortunately that doesn’t cut it these days and will damage your relationship with your prospect rather than strengthen it. The best way is to carry out some research in your marketplace and see what pains and frustrations your prospects have and create your free giveaway around that.
While no one is asking us to starve (we’re not artists, for Pete’s sake), popular culture seems to support the notion that teachers can and should live on meager earnings. Take Matilda. You know, the Roald Dahl book you haven’t read since third grade. The teacher in the book who Matilda absolutely loves spends her days eating bread and butter because of her pittance of a salary. It’s a heartwarming tale of dedication.

Salary Salary is any thing that is given in return for the faith shown to the employer. The word salary started from the word Salt, since salt was earlier paid in return for the faith shown to the king and the work done. Nowadays Money is usually paid as Salary. Salary is usually paid to works other than Manual and Mechanical Works. For them usually wages are paid. Brahmajyothi
Some—like coaching and tutoring—are fairly specific to our careers. Others, though, are things most people could pursue. As teachers, we also have the option of picking up extra work on occasion by joining various curriculum teams (Who am I kidding? This is very rarely ever a paid assignment.), subbing, or even proctoring tests on the weekend or over the summer. It all adds up.

Most of the information on this site is free for you to read, watch or listen to, but The Creative Penn is also a business and my livelihood. So please expect hyperlinks to be affiliate links in many cases, when I receive a small percentage of sales if you wish to purchase. I only recommend tools, books and services that I either use or people I know personally. Integrity and authenticity continue to be of the highest importance to me. Read the privacy policy here. Read the Cookie policy here. I hope you find the site useful! Thanks - Joanna
As an IT. I work a 9-5 schedule 40+ hours a week but it’s not enough. I have big dreams that require $100K to fulfill. I am extremely ambitious, driven and motivated. However I keep looking but cannot find anything that would give me that much. I now have certificates and experience and keep applying to different jobs but no luck still. Any advice?
I was just searching around on the net and found this blog. I saw an ad for inside sales that paid 50k as a base and FULL benefits 401K and all. With commissions it would max out at 85k if you hit quota according to the ad. Tempted to apply but when I see what is at home although Im not at 100k yet (not even close) I am not going back to the cubicle farm. Working for someone else will not get me to the 150k mark. This blog has given me more motivation!

Get good grades, go to a top school, get hired by a prestigious company in IT, finance or become a doctor, lawyer, engineer. DUH!!! Nothing Earth shattering that I didn’t know. If you don’t have the aptitude for those careers, you’re screwed for 100K salary I guess. Actually, you can become an entrepreneur, buy a franchise, write and sell a screen play to a hit movie, write a best seller, or offer specialized personal services to rich people (chef, trainer). Of course there’s also pornography. The sex trade makes billions.
It will probably take a couple years to build a sustainable, passive income. That is the 1st car I have EVER purchased myself at age 29 (I was broke until then and leased from my parents). But the time committed to affiliate marketing and creating great tutorials and YouTube videos was worth it… I work for myself, there is virtually no limit on how much I can make, my schedule is flexible, and I collect enough passive income to live how I want.
I also worked my ass off during high school, went to a public university with enough AP credit to graduate in three years with an English degree (gasp!) then received a Master’s in journalism (double gasp!) that costed next to nothing, because I moved back home with my parents and didn’t have to divulge their income on the FAFSA for a graduate degree. I went into tech marketing and was making six figures by the time I was 25.
Most of the information on this site is free for you to read, watch or listen to, but The Creative Penn is also a business and my livelihood. So please expect hyperlinks to be affiliate links in many cases, when I receive a small percentage of sales if you wish to purchase. I only recommend tools, books and services that I either use or people I know personally. Integrity and authenticity continue to be of the highest importance to me. Read the privacy policy here. Read the Cookie policy here. I hope you find the site useful! Thanks - Joanna

As a 7 figure franchise you’re also going to be able to promote each of his products wihle keeping 100% of the sale paid direct to your paypal account. Even if you don’t promote all of them, you can promote just one product and as mentioned in the other section, Michael will automatically funnel all leads through a whole campaign promoting each of his products.
The very first affiliate program I reviewed, paid an average of ten percent commissions on each product sale my site generated. The products (mostly books) averaged around $15 so my share would be about a buck and a half per sale. I figured if I could get one sale out of every 35 visitors I sent to the site, that would be a decent conversion rate (better than average, actually). After doing a little math, I concluded that I would earn about $45 for every 1000 visitors I sent to the site.

I liked your post. I was a Mechanical Engineering undergrad and got a Masters in Aerospace Engineering and was working by age 23 for a Fortune 50 company making Aircraft Wheels & Brakes. Since then I’ve moved to several fields and got into management. Made over $100k per year ($140K) at age 27 and onward and upward from there. My grades were poor, too much lack of focus the first two years of undergrad so then did an undergrad research position and co-published a paper to help me get a scholarship into grad school. Now I love learning about new businesses and leading people to achieve good business outcomes. It makes me a better investor too.
You don’t exactly have stellar punctuation, yourself. You come across as mean, reactionary and elitist. Telling people they don’t write well enough to read an article? For real? I didn’t realize the written word was supposed to be safe-guarded from people whose written skills are deemed unworthy. With that logic, no preschooler should ever read anything, ever. Had you considered that maybe he was replying using a mobile device? Not every device comes ready to add contractions to words, and for the sake of quickly getting your point across, you just roll with it. You didn’t even comment on the content of his remarks. Learn to read for meaning and you will be more successful at criticizing others. If you criticize only the superficial, you will be seen as superficial and lose every time. BTW (see what I did there?), it’s widely accepted that people who pick at grammar only do so when they have nothing substantive to contribute. Questioning his intelligence because of his punctuation only calls into question your own. Best of luck to you.
But don’t worry. You don’t have to make it all the way to the top, because you’re not going to an Ivy League school (see Step 3 and Should I Go To A Public Or Private School). Instead, channel your aggression towards maximizing Advanced Placement (AP) and community college courses. Why? Because these translate into real college credits later for a fraction of the cost now.
The most important lesson I got from the book is the importance of choosing a niche; it helps build a loyal community, get expertise and great, contextualized advertising. However, except for the generic "start by identifying your own interests, passions, and energy levels for topics", there's not a lot of direction about how to choose a profitable niche. There also isn't much about search engine optimization (which I fortunately covered in another book) or about keyword research. However, a lot of the things that Rowse and Garrett hold important (niching, ads, etc) aren't necessarily the be-all and end-all of popular blogging.
Of the top 10% of income earners, those nearly 15 million individuals with incomes exceeding $77,500, Whites and Asians were once again over-represented with the percentages of African Americans and Hispanics trailing behind considerably. Of the top 10% of earners, 86.7% were White.[36] Asian Americans were the prevalent minority, constituting 6.8% of top 10% income earners, nearly twice the percentage of Asian Americans among the general population.[35]
Description: Michael Cheney said that he is literally going to force you to make money online. Is that really true or is it just another marketing gimmick to make you want to join 7 Figure Franchise? In this 7 Figure Franchise Scam Review, share with you the things that Michael Cheney doesn't want you to know, and I will also provide you with all the information you need to make an informed decision.
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