Health Insurance for Freelancers

This is an interesting development in the world of temporary and contract workers.  Bear in mind, once you become a W-2 that changes the composition of your business as a self-employed individual.  Examine the pluses and minuses before making a switch like this.

Outsourcing Firm’s Latest Offering: Health Insurance – BusinessWeek

Switching to services like oDesk Payroll has tax implications for freelancers as well. While workers who switch will no longer be subject to the self-employment tax, they will also lose many of the deductions they claim as contract employees.

Read a Book a Week – 2009 Results

1.0 per week in 2009.

Experience matters.  Now I know why from the following NYT article.

Better pattern recognition, significance recognition, and faster solutions.

I hope you kept some of your older underwriters on the payroll.

Adult Learning – Neuroscience – How to Train the Aging Brain – NYTimes.com

Recently, researchers have found even more positive news. The brain, as it traverses middle age, gets better at recognizing the central idea, the big picture. If kept in good shape, the brain can continue to build pathways that help its owner recognize patterns and, as a consequence, see significance and even solutions much faster than a young person can.

What Matters? A Thought For The Decade

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A Life That Matters

Ready or not, some day it will all come to an end. There will be no more sunrises, no minutes, hours or days. All the things you collected, whether treasured or forgotten, will pass to someone else. Your wealth, fame and temporal power will shrivel to irrelevance. It will not matter what you owned or what you were owed. Your grudges, resentments, frustrations and jealousies will finally disappear.

So too, your hopes, ambitions, plans and to-do lists will expire. The wins and losses that once seemed so important will fade away. It won’t matter where you came from or what side of the tracks you lived on at the end. It won’t matter whether you were beautiful or brilliant. Even your gender and skin color will be irrelevant.

So what will matter? How will the value of your days be measured?

What will matter is not what you bought, but what you built; not what you got, but what you gave. What will matter is not your success, but your significance.

What will matter is not what you learned, but what you taught. What will matter is every act of integrity, compassion, courage or sacrifice that enriched, empowered or encouraged others to emulate your example. What will matter is not your competence, but your character. What will matter is not how many people you knew, but how many will feel a lasting loss when you’re gone. What will matter is not your memories, but the memories that live in those who loved you. What will matter is how long you will be remembered, by whom and for what.

Living a life that matters doesn’t happen by accident. It’s not a matter of circumstance but of choice. Choose to live a life that matters. It really matters!

Michael Josephson

How to Be Happy

How Adults Achieve Happiness – BusinessWeek

Our findings were in many cases unexpected but clear-cut. There is an incredibly high correlation between people’s happiness and meaning at work and at home. In other words, those who experience happiness and meaning at work tend also to experience them outside of work. Those who are miserable on the job are usually miserable at home.

The implication is unmistakable. Since work and home are very different environments, our experience of happiness and meaning in life appears to have more to do with who we are than where we are. Rather than blaming our jobs, our managers, and our customers—or our friends, family members, and communities—for our negative worklife experience, we might be better served by looking in the mirror.

Choose Success

You have to get people to make good decisions. Wherever you are in life, good or bad, it’s because of the choices you make. Choose to succeed rather than fail. Choose to work hard rather than to loaf your way through it. We had a plan, a vision and we wouldn’t compromise our core values.

Lou Holtz at his induction ceremony into the College Football Hall of Fame