View allAll Photos Tagged BombCyclone
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Bomb cyclone slams New York - New York's MTA officials informed city's subway and bus services won't shut down. (Photo by Erik McGregor)
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Bomb cyclone snow storm slams New York- Children did not miss the opportunity to play in the snow. (Photo by Erik McGregor)
A big branch fell, blocking the walking trail parallel to Tarshes Drive, off San Lorenzo Way..
www.inc.com/kelly-main/i-saw-thousands-of-bank-account-de...
I Saw Thousands of Bank Account Details at 16 While Working as a Teller.
It Taught Me a Vital LessonThe million-dollar life lesson that matters in business
Let me start with a story from back in my day.
It won't be one where I walked to school, uphill (that would age me more than I'd like). It's one from the time I worked at a local bank, witnessing many people's downfall: personal finance and the uphill battle they endured because of it.
I was fortunate enough to bear witness to this at the age of 16 when I worked as a teller at a local bank. Coming from previous restaurant roles, I welcomed the slower-paced environment and the professional air that came with it. I wanted to gain whatever experience I could in the business world at that age, but what I ended up gaining was much greater than I would have imagined.
I was fortunate enough to bear witness to this at the age of 16 when I worked as a teller at a local bank. Coming from previous restaurant roles, I welcomed the slower-paced environment and the professional air that came with it. I wanted to gain whatever experience I could in the business world at that age, but what I ended up gaining was much greater than I would have imagined.
As a bank teller, you get a glimpse into the personal financial lives of each and every customer that you wait on. You see their paychecks, which subscriptions they have, their mortgage or rent, their car payments, credit card payments, where they went to dinner the night before, and entire records of how they spent last weekend, the weekend before, and the weekend before a year ago.
You name it, as tellers, we saw it.
But more importantly, I didn't just see transactions and account balances. I saw customers and I often heard their stories. Because the teller "window" can feel a lot like working behind a bar. You not only see things, people also tell you things.
Granted, about 50 percent of Americans have accounts at more than one bank, according to GoBankingRates. They pay certain bills with credit cards, pay those credit card bills from different banks, and have investments elsewhere. The picture one banking institution paints is hardly complete. But that is the very lesson that I learned from my time working as a teller: There's always more to people than what meets the eye.
In business, these are the things that investors take notice of and take into consideration when making investment decisions. Because what many don't realize is that the wealthiest among us can spot the difference between true wealth and those seeking to build a facade of wealth -- one that can counter-productively send the message that one might not be particularly savvy when it comes to managing money.
Not everyone who earns money has money
One of the first things I learned while working as a teller was that not everyone who makes a lot of money actually has a lot of money.
What I'd see is that there were just as many people with high paychecks fretting about bounced checks and negative account balances as people with low paychecks. Much to my surprise at 16, just because someone made a lot of money didn't mean they had a lot of money.
For example, it seemed as though about half of the customers that drove the fanciest cars often had the smallest bank accounts -- and the most stress surrounding their accounts. Whereas about half of the wealthiest customers drove nice but very normal vehicles and dressed fairly simply -- no designer handbags plastered with logos or fancy watches or wallets.
In other words, these objects often bore little to no relation to their personal wealth -- just the extent to which they wanted strangers to believe they were wealthy. And it was a fantastic lesson to learn firsthand at 16 years old, during a time when I admittedly found luxury goods and material items quite alluring.
For those who had these objects with no money in the bank, it did reflect the very reason why they faced financial struggles: They spend too much money on things they couldn't actually afford. How they did that came down to debt: borrowing money to buy things they didn't need with money they didn't have.
Luxury goods are not a reflection of wealth
Looking wealthy and being wealthy are two different things. And many go poor trying to look wealthy. The reality is that anyone who knows you has an idea of your financial status. And a lovely life lesson is "who cares about what strangers think?" There's no need to try to impress people we don't know, using money we don't have.
Many of the wealthiest people do not display their wealth. They're comfortable with their financial status and so they have little to no desire to flaunt it. It's why designer brands like Gucci have varying product lines; some that prominently display the brand's logo to ensure any witness knows it's expensive. And others that are so subdued that most would be none the wiser as to what brand it is -- never mind how much it costs.
Not surprisingly, many of those with the most wealth often choose the latter.
Don't spend money you don't have -- unless it will make you money
There's a tendency for people to spend more money than they have -- and on top of that, it's costing them money to spend the money they have. There's a blatant issue with the use of credit. In fact, 55 percent of Americans fail this simple credit-card quiz -- despite the fact that there's no math involved.
The lesson is simple: Don't take on debt unless what you're buying makes you more money than you paid in interest. In other words, if you're going to buy something using debt, it should be an investment.
Of course, there are things that make sense to finance. But these are typically large purchases that we can't afford to buy out of pocket that will yield us more money in the future. For example, a practical degree in a high-demand field or property that will increase in value.
One easy way to quickly decipher between the two is whether it's a depreciating or appreciating asset. With an appreciating asset, it should ideally make you more money in the long run than it costs you in interest, making it a good investment.
To keep your financial stress low, keep your expenses low
People tend to overextend themselves, and stress is the result. In fact, financial stress is a major burden that can come with devastating side effects. Statistically, financial stress is a leading cause of everything from divorce to depression.
Water seeks its own level, so no matter how much you make, if your spending increases with each new pay grade, you'll struggle to get ahead financially. Instead, it keeps you in the same spot -- just with more things or more expensive things. But this doesn't help reduce the burden of financial stress, the anxiety surrounding job security, or the fear of a large, unforeseen expense.
Lack of money is a leading cause of startup failure, according to Investopedia. And spending too much is a fast way to end up without enough money. In business, keeping expenditures low and maximizing money is crucial. By taking a frugal approach to finances, money can go much further, helping you build a financial cushion that helps to reduce financial stress while increasing happiness and general well-being.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Bowling Green Park covered in snow as New York City was hit by the first snow of the season on November 15, 2018 around noon, bringing a hodge-podge wintry conditions. The city’s emergency management service advised New Yorkers to be aware of slippery conditions, also issued a travel advisory for Thursday particularly during the evening commute. (Photo by Erik McGregor)
Snow at Mount Vernon Place on North Charles between West Centre and West Monument Street in Baltimore, Maryland on Thursday morning, 4 January 2018 by Elvert Barnes Photography
People In The Streets 2018 Series
Thursday, 4 January 2018 SNOW STORM Project
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Affects of BOMB CYCLONE at Mount Vernon Place on North Charles at East Monument Street in Baltimore, Maryland on Thursday morning, 4 January 2018 by Elvert Barnes Photography
MIDTOWN BALTIMORE Workman Dispensing Magnesium Chloride Pellets at Bus Stop
www.facebook.com/midtownbaltimore/
Thursday, 4 January 2018 BOMB CYCLONE SNOW STORM Project
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Affects of BOMB CYCLONE at Mount Vernon Place / South Park on North Charles near Centre Street in Baltimore, Maryland on Friday morning, 5 January 2018 by Elvert Barnes Photography
View from Westminster House Senior Apartments Project / 4th Floor Apartment Window
People Walking Dogs Series
January 2018 BOMB CYCLONE SNOW STORM Project
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
View from Westminster House Senior Apartments 18th Floor Rooftop room at North Charles and West Centre Street in Baltimore, Maryland on Thursday morning, 4 January 2018 by Elvert Barnes Photography
Thursday, 4 January 2018 SNOW STORM Project
Elvert Barnes BMORE 2018 at elvertbarnes.com/Bmore2018
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Bowling Green Park covered in snow as New York City was hit by the first snow of the season on November 15, 2018 around noon, bringing a hodge-podge wintry conditions. The city’s emergency management service advised New Yorkers to be aware of slippery conditions, also issued a travel advisory for Thursday particularly during the evening commute. (Photo by Erik McGregor)
January 30, 2022
The morning after the Blizzard of January 2022:
There was a beautiful sunrise and clear skies to follow, making it a nice day for shooting. Temps were still in the teens and the wind was whipping. The power would remain out until just about 1:00 pm today, coming back just in time because the inside house temperature was barley holding above 40 degrees F.
Brewster, Massachusetts
Cape Cod - USA
Photo by brucetopher
© Bruce Christopher 2022
All Rights Reserved
...always learning - critiques welcome.
Tools: Canon 7D & iPhone 11.
No use without permission.
Please email for usage info.
Photo by Kristine K. Stevens, a curious traveler, author and beekeeper, who is writing a book about her adventures in Iceland.
Previously, Kristine sold her house, quit her job and traveled around the world. Learn more at "If Your Dream Doesn't Scare You, It Isn't Big Enough: A Solo Journey Around the World."
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Affects of BOMB CYCLONE at Mount Vernon Place / South Park on North Charles near Centre Street in Baltimore, Maryland on Friday morning, 5 January 2018 by Elvert Barnes Photography
View from Westminster House Senior Apartments Project / 4th Floor Apartment Window
People Walking Dogs Series
January 2018 BOMB CYCLONE SNOW STORM Project
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Snow at Mount Vernon Place on North Charles at East Monument Street in Baltimore, Maryland on Thursday morning, 4 January 2018 by Elvert Barnes Photography
BALTIMORE CITY DOT AUTHORIZED CONTRACTOR
Truck Equipped With Plow Gear
Thursday, 4 January 2018 SNOW STORM Project
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Photo by Kristine K. Stevens, a curious traveler, author and beekeeper, who is writing a book about her adventures in Iceland.
Previously, Kristine sold her house, quit her job and traveled around the world. Learn more at "If Your Dream Doesn't Scare You, It Isn't Big Enough: A Solo Journey Around the World."
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.
Wide-spread flooding in Nebraska has caused in excess of $1Billion dollars damage. Three-fourths of all counties have declared an emergency.
This album shows the work of one Southern Baptist volunteer team from Oklahoma in their efforts to assist the residents of Bellevue, Nebraska.