Yes, when you have a company it's important to know that you have to be able to communicate with everyone in the language that they speak. That means the language of weapon. You should know that when people are not getting the assistance they need they can become irate and show up in that manner. Any issue can be resolved or reported by phone, e-mail, fax or regular mail, and a company website should have a portal also to submit any member or subscriber problems so that they can be received and handled in a timely manner. There is really not much of a need to do the in person thing, this isn't a court room and I'm not creating a moot court thing here. Did I ever say that I wanted to work for a law firm, but if I can't handle all of this then the point would be moot, ha ha! But not exactly I'm a research type of person so I'm sure I could be useful somewhere. But getting back to my point. Sure, websites have the web page translation in that you can change a web page so that it suits your native language of choice. But what about people who write best in one language as opposed to another? This presents a problem for those who do not speak more than one language, but it should not be an obstacle given the fact that technology is ever present. Let's say you work for a company and someone who is a client, member, subscriber speaks another language or English is not the first or primary language, how do you understand their problem or issue they have presented you with? There are person to person interpreter software gadgets that can be used when translating from one language to another. But as I stated for safety reasons it's best to keep situations from becoming hostile and have a way to handle them without exposing medical information and not being compliant with HIPAA, people seem to forget about this when it comes to discussing matters that need a resolution to. Especially with COVID, we need to be somewhat cautious. Websites should have a language translation portal for complaints or problems that allows a member, client, subscriber to submit their issue, problem or complaint in whatever language they are comfortable writing in and to be able to have that written text translated into English etc.. When doing so, one can get around to coming to a resolution to the issue or problem without having to go about finding people to translate or interpret something written in another language. Obstacles should not always be a mute point...
As you may have heard, the NYC transit system has developed a new way to way to pay the metrocard fares. This involves using your cellphone and tapping it with the fare reader in order to collect your bus or train fare. Part of the problem with gadgetry is that you have to make sure that your phone is in proper working order so that the app can be used and that you can show the metrocard fare reader that you have actually paid to ride the bus or train. This would also mean that the subways and buses must be equipped with a wifi signal so that those needing an internet connection can access the app for payment. There are times when a cellphones wifi may not be working and you need to use wifi from an external source or router. Now, if you misplace your phone or cannot find it then there goes your public transportation fare. There needs to be a backup to all of this in the event that things go south and your cellphone is unable to connect to the fare reader. The metrocards that are being used need to have a QR code or quick response code put on them so that one can still purchase a metrocard or even purchase one online and have it printed out on paper(yeah, that's also ancient!), so that the proof of payment is on the QR code either on the metrocard ticket or the paper reproduction of the ticket itself that one can obtain by purchasing metrocard tickets from their computer, tablet or phone. The reason for this would be simple: You can then take the metrocard or the paper ticket version of the metrocard and scan it into your phone to be read by the app you would use to pay your fare. Now, once that app has the ticket information stored from the QR code, that fare information can be used when you tap your phone with the fare reader when you get on the bus or go to the train station. Now, let's say your phone is not working and for some reason the wifi is also down, the transit system should allow you to ride without paying a fare(which it does already when there are problem in collecting the fares). Aside from that, if the alternative fare box, that also collects change is electronic and does not require the use of a wifi signal then you should just be able to swipe your metrocard or put your paper metrocard ticket up against the reader so that the scanner can read the QR code on the ticket and then you can be on your way. It's like going to a store and at the checkout line you can insert your credit card by using the chip, contactless reader tap or the swipe; which gives different options to pay electronically, thus enabling one to still use metrocards or to have one as a backup!
So now you know the problem or is it really a problem? I have an insatiable appetite for work. I don't know how this happened I think while I was in school I liked to keep busy to take my mind off of things and I ended up working and working and then getting so creative I created work for myself. Yes, I've even been known to work or do something without eating. I just like to keep busy and I hate to have idle time to sit around and do nothing. Being African American we were brought here for a purpose and that was to work. This took the building of a country or the more difficult and tedious tasks off of those who were not African American. These are the fundamentals of standing on your own two feet, it was done in Africa. The concept of slavery is so that there are those who do not have to do so as a result. Being chained and shackled is obviously a way to limit motion so that people are unable to stand on their own and do what they do by working. The problem in this country and other parts of the world is that there are those that feel that unless you're bearing a very heavy burden then you are not working. That's enslavement talk and usually coming from people who need you to do tedious work or more than your fair share while others may as well sit by the water cooler. I like to do what's best in that we all have our own opinion. Now, I know my insatiable appetite get on the nerves of managers, supervisors and co-workers alike. This is because I like to keep busy during the day as it makes for less chatter about nonsense and someone pouting about their differences with me as a person. What petty stuff! There are times that I work around the clock creatively as I stand on my own and do not need the help of others. Others, should be fortunate to be in the employ of someone who allows them to make break time conversation throughout most of the day without getting anything done. I like to work without talking too much and I enjoy getting things done, this is because I can stand on my own two's and not rely on someone to do it for me. I'm African American, I would not get paid to sit by the water cooler, there are other color persuasions who are more fortunate. In desperate need for those who could not stand on their own two feet and take care of themselves health wise or even with legal matters, people become enslaved to work off a sacrifice, yes I hated my years of working in a medical office this still included the other issues I had to deal with. Nothing changed about me as I stood on my own two feet then, before then and now. I can't say the same for others, because if they stood on their own two feet they would not have had to worry about things falling apart when I'm not around. This I know for sure as with slavery lots of people don't stand on their own. Yes we all have our own opinion, but the proof is standing on your own as God does bless that child; instead of proving your incompetence, inability, ignorance by creating a dictatorship of slavery- by doing so you've already admitted to not being able to do something because you need others to do it for you!
I guess if I had a wish it would have to be for happiness. Happiness enables you to do a lot of things because you are not saddled with depression, which of course causes one to either overeat, starve themselves, sleep, have insomnia and for the most part exist as miserable people. Happiness is when you don't have people being burdensome in your life. You know the kind of people who always want somebody to take care of them in a way that they bother the lives of others. Being unhappy is more common than you would think because there exists a lot of factors that America wants its citizens to return to because it or the powers that be enjoy a subservient rule over people. That of course can make one miserable. I mean don't you hate it when someone wants to decide your life for you and they seem to think that the choices they make for you make sense in life. Like having absolutely no money or wanting you to depend on the government. Being at a job that you feel sucks. Please note: working for very little money has a lot to do with happiness because you don'r have money to do anything with and of course working at a job that you absolutely hate can cause severe unhappiness because you don't want to be there and among other things it reduces the quality of life. How did you know I wanted to retire and be done with all of this? Think about it. When you have money there are people you don't have to be around, there are people you never have to work with again and then one could live their life the way they want to. Yes, that's what happiness is!
The problem with elders is that they treat people like their children and of course they treat their children like strangers. Poetic justice, perhaps! Why do I say this? When someone actually treats an elder like a stranger. I know it sounds mean and cruel but elders certainly do some of the dumbest things to keep things like yesteryear. Anyways, my real issue is when a tax prepare decides to prepare taxes for an older person and then allows them to submit checks for not only what they owe but for the next years estimated taxes. That tax person certainly thinks that money is made from manure, in some instances it may be but to think that an elder has several thousand dollars just to pay out at one time is concerning. I find it abusive for a person who prepares taxes to just out and have an elder pay estimated taxes for the following year, in that they are not in the habit of doing so. This becomes abusive because the elder finds themselves paying money for two tax years each year and submitting extra forms in their old age. You still have to file taxes each year and unless you own a business or work for yourself then paying estimated taxes is a waste of money and time because, the accountant or whoever will charge you extra money for completing the extra tax forms and then of course they may have you owe money for each and every year you file taxes for and then have you owe money for estimated taxes as well. I say it's a racket. Accountants are abusing elders by charging them more money to pay for tax forms such as estimated taxes that they don't need to complete and then making them pay for what is due by "estimate". Mind you elders for the most part are on a fixed income so where would they get the next years earnings from to pay next years estimated taxes? I ask that the IRS, offer refund of any money that an elder has paid out by being mislead by an accountant or a tax preparer. Why would an elder on a fixed income pay more money to have their taxes done and then pay more money each year to the IRS if they are said to owe? Elder abuse is common. I know these people are mean and were mean when they were younger. They have no compunction about putting others out in the street especially when making minimum wage and for some strange reason they get a real jolly out of isolating them in hut or dysfunctional workplaces in Westchester, New York. Yes, this causes elder abuse, but let's not do it with the IRS. Once a complaint is filed, with the IRS and it is from an elder who could have had their bank account closed because of writing out checks like running water to the IRS, they should have that money returned to them because of excess payment to the IRS, when on a fixed income and when there is no real need to pay the estimated taxes. The IRS should do something about elder abuse, even if these people were not so nice; when an elder pays estimated taxes-when there is really no need, question it and return the money. Don't allow a tax preparer to deplete an elders savings by fraudulently having them owe money for one year and paying estimated taxes for an entire year in thousands of dollars. Obviously, this adds up and perhaps that accountant does not want to be one...
The coronavirus has made many of us think about the important things in life. Without epidemics people tend to take things for granted like jobs, family and the supposed freedoms that we all have and the fact that we should not always look to others to care for ourselves but we must also do our part by trying to stay away from things that might cause harm to our health. They say people can be toxic and this is certainly become a reality since the coronavirus started. Is this a good thing, in that it teaches independence? As we get older, we need to stand on our own and do things for ourselves, it is the job of an elder, teacher or someone to enlighten younger individuals to the fact that they need to provide for themselves, if an elder or teacher does not do that they they have neglected their responsibility, in exchange for ignorance. What do I mean by ignorance? When you want to depend on a government or commodity way of survival towards a certain type of people in attempts to avoid responsibility towards oneself or those offspring you are responsible for. Nobody expects parents or educators to be perfect, but we need to ask what was their real agenda? Scenario A: Parents with a few children, that want them to be all the same, so they underachieves the overachiever so that none of them are considered successful. This is elder ignorance because in doing so you breed yet another generation that will rely on the ignorance of commodity and becoming wards of the government since the overachiever is unable to perhaps seek the success he or she wants to have. Scenario B: Parents with a few children, that want them to be all the same, so they underachieves the overachiever so that none of them are considered successful. When a few of them take upon the lifestyle in free spirit, that elder does not instill discipline, because the children are actually adults, instead she regresses the life of the overachiever (by having her work in a medical office) because, spiritually she feels that this will provide care for those offspring she does not instill disciple into. Again, this elder or elders are ignorant because they did not impart the same values on all of their children. Instead they choose individual regression(in earthly form) to solve their problems so that they did not have to be responsible for any of their offsprings outcome. Scenario C: Parents with a few children, that want them to be all the same, so they underachieves the overachiever so that none of them are considered successful. The elders feared that people would begin to notice that they slighted the overachiever and it would be considered a "color struck" thing of favoritism since the overachiever had their life regressed for the underachiever, so they wanted people to think that they loved all people no matter who they are, so they put the overachiever in an environment of hostility, please note anyone working that has ties to Aryan or supremacists groups usually have an agenda, so the overachiever worked with these people for several years. Again, that elder is ignorant because they likened themselves to these people because they know that their agenda is regression to an overachiever who is not favored due to color struck values they were taught. Those elders felt more comfortable around those Aryans because they knew that they would regress the overachiever and assist the underachiever by helping them get jobs and getting paid lots of money to"work while standing by the water cooler". When standing on your own two feet is hampered by all of this then those offspring need to be creative in order to make a life for themselves so that they do not become wards of the government or used as a commodity, you know some of this for that!
They say you get what you pay for. And I think that those who feel that someone can actually live off of $17 an hour are probably the ones who need little bus help. Now, this is not to insult or belittle those who are challenged in such a way; but when America uses the "civil malfunction" concept to cheapen out salaries and create enslavement environments we have to think about who is really hurting America. It costs money to live and the notion that we should allow the government to enslave us by not providing living wages, is what contributes to the regression of a country. The problem is that when you see someone as a commodity, that ignorance is what leads to a certain misguided concept of a person. Money, has a limit value meaning a dollar is a dollar and can only buy a dollars worth, the same thing with $100 dollars and so on, so would you say that money is a human concept in value-its not perfect? The same thing with a person, in terms of a commodity; they all have their limits depending on how you use them. Why, because once you work them to death then their human value has as we say expired and then it's time to move on. Yes, I have worked to death for enslavement wages most of my life, so most will find that when they take upon the "thirteenth amendment" in a workplace setting or even in school where someone else bears the burden of those who get "promoted socially", America eventually shows it's science behind money and the treatment regarding the value of people whether you want to believe it or not. Socially promoted is what people use to define as a system of graduating or promoting people so that they keep up with their classmates and or peers socially, so that in the real world they can achieve a certain standard of living. White people or those who are light skinned do not see this as cheating. In that the board of education may not have given them the answers to the test but they just gave out keys to the city to reduce the dropout rate among skin color superiority. They define this as survival. As one bears the burden of school abuse, they also bear the burden of employment abuse because in terms of "survival" you end up working to death so that those who don't by way of social promotion and the thirteenth amendment can be provided with educational wise for several people and the same as with employment. Yes people are human and money has a limited expectation depending on it's value, but the religious science of it all remains the same, in death you get what you pay for... Dang, I should be a writer!
It's difficult to do this when you have children or are caring for others because their needs more often than not require the use of money. We need to think about how we spend money and why we spend it. For example: Money is often spent to comfort ourselves when we are down and depressed. When this happens one usually purchases clothes and shoes in order to improve their views on life when all seem bleak. Then of course, instead of saving the money, that money you could have saved is now used to pay off a bill or bills that were incurred while buying your way out of a depression. When the skies seem bleak and you've noticed that you're not as happy as you used to be, because of a job you despise and being around people who don't necessarily mean you any good; this may be a good time to save money because the clouds or foggy forecast have set in which has now caused you to overspend. Putting that depression money aside enables you to save more for retirement. Think about it, is it worth it to wear expensive duds around people who keep you in a constant depression? Or, even on a job that you feel you have no reason to be there? Buying in excess or spending money that you can readily be saving is why people don't have as much saved for retirement. It may be easier to save money in those depressed circumstances since there is no reason to splurge when you are in a situation that is giving you the downers. It is probably best to put your money aside for a brighter tomorrow, by saving it during depressive times.
Investing can be costly. You have to have money to open an account, buy stock and of course be able to maintain it. Things are such that one can pretty much manage their own account with the exception of some funds that may require that you go through a broker or someone who oversees a particular fund. This is where the problem occurs since once somebody else gets involved they get paid for you purchasing the fund and managing it, so that is less money that would be invested because that money is given or goes to the stock broker or fund manager via the company you hold your retirement funds in; instead of being saved for retirement. One of the most important things about investing is that one needs time to invest so that the money that is put away into a particular stock, bond, EFT, CD or any other fund has the time to mature and grow. This becomes a problem since elders often use the time of an offspring for their own warped purposes. Imagine, being out of work for a period of time or making very little money that ultimately prevents one from saving enough to be invested properly. That is the ignorance of elders, in that they never realize that it costs to live and money is an actual currency. Elders and other slave holders see people as money or a commodity to buy and sell things with, they do this constantly or in civil malfunction. So, they forget about retirement or any money one may need to save for it and just concentrate on the commodity part or civil malfunction. To visualize it you may want to think of sports, as in when one player gets traded to another team, so that a team can build a rooster of players that they need for offense or defense against another team. That player becomes a commodity and yes, they make a lot of money but if you view that comparison outside of the sports arena, being a commodity and traded in civil malfunction where the odds of you living your life they way you want to and having the money to invest properly are against you unless you do it yourself, that commodity way of life sucks! This is an entirely different subject, but you should be aware that by now religion is one of those disciplines that creates commodities out of people or anything else that can be considered of value. This can actually prevent you from making or earning money or doing what you want to do in life, because a commodity is an exchange of sorts and when put into a situation of less money or being at a job you truly hate things may not be as profitable as you would expect. But that is the sacrifice in it all, so somehow saving for retirement has to be done, effectively otherwise the elders would have already admitted to making a failure of their offspring by preventing them from doing so. I say all of this to say, that if you compare a commodity in a person to a target date fund you tend to have the same outcome in that you have an abuse of investment where one team or party takes all and the other team or party goer may not get what they expected out of the situation. Honestly, since there are associated fees with this sort of thing you have to be able to afford to purchase them in order to have the money invested properly and of course they need time to mature into a decent investment. Otherwise, the point is mute. If you just work as a commodity for someone without regard to yourself, we know the world and particularly America has an enslavement problem and as uncivil as this country can be if you compare it's actions to that of target date funds you can see where it becomes obvious that someone else is sacrificing for someone else or more than one person, because the end the result is that they have gotten very little out of life as with a target date fund, you get very little out of it. There are other options you may want to consider investing in, especially if you don't have the forty or fifty years or so before retirement.
There comes a time when an older person is not able to manage their finances, let alone gather up information to take to an accountant at tax time. There has to be a simpler way of doing taxes for people over seventy, even if they still live in their own home. Honestly, if most of the elderly are living off of social security and some saving or distributions from their IRA's or 401k's then their taxes should be easier to do, all they would need is their year end statement. Even if they have a lot of medical bills and they are able to deduct some of the expenses as a result of itemizing, it still may not be more than taking the standard deduction. When you're retired you cannot deduct certain expenses because you are not working as a result of retirement. So, this leaves an elder with the basic take home social security pay and whatever they have deducted monthly from their investments and savings. Things like deductions on a home or new car or other expenses should be factored into a the elder standard deduction of let's say $17,000 for a single elder and $29,000 for a married elderly couple. This leaves a lot of room for deductions that will make using the standard deduction a more ease of use for the elderly. It becomes problematic when an elder tries to obtain information from quick books, or to even gather bits and pieces of paper from medical receipts and other itemized deductions. Because they have a lack of memory they don't remember where they put things and are unable to file their taxes because they itemize things. The IRS needs to introduce a new elder format IRS form called the 1040E, this 1040E or 1040EA for amended form, is to be used for people over seventy, who are retired from a full time job and are currently receiving social security. On this form the person using it will enter their social security income and any taxes that are withheld. They will also enter distributions from IRA's, pension plans or 401k etc., They can also include any part-time salary wages for that year. The unique thing about the 1040E and the 1040EA is that the elder no longer has to gather up other information as a result of itemizing because the increased standard deduction amount for elders is probably enough of a deduction for many elders who live on a fixed income in that they would receive more of a return with the standard deduction rather than by itemizing. This is good news for the elder since they may not save tax related information or remember to do so for tax time. With the elder standard deduction, they no longer have to as a result of the increased amount of standard tax deduction. Why pay an accountant to anger them with bits of receipts and paper that makes no sense to you and expect for them to be able to understand it all? The 1040E and 1040EA is the way to go, the forms are in larger print, and can be done via any tax software.
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