PANAJI: Goa Tourism Minister Ajgaonkar on Saturday directed his department to post lifeguards at Harvalem waterfalls in Sankhalim, North Goa, following reports of locals and tourists dying at the spot. On Saturday, a 29-year-old man drowned there while on a picnic with seven other military hospital personnel from Panaji. The Minister said that locals had warned the group not to enter the water. “Time and again, the tourism department informs people not to throw caution to the wind,” Mr. Ajgaonkar said.The Bicholim police said that the picnickers went for a swim. Seven were rescued, but one drowned.
A court in Baghpat district has sentenced the head of a local mosque to 10 years of imprisonment for abducting and raping a 15-year-old girl in 2016. Additional District and Sessions Judge Ramesh Chand on Saturday also imposed a fine of ₹5,000 on Rihan. He was held guilty for rape and relevant provisions of the Protection of Children from Sexual Offences (POCSO) Act, according to government lawyer Surender Yadav. The girl was abducted and raped by the man in a village in Baghpat district on January 19, 2016. The accused belongs to Muzaffarnagar district, he said.
The overseas Indian population, excluding the South Indian subcontinent, in 2001 was estimated at 17 million. Indian Americansconstituted the second largest group, outside Mynamar and are now believed to have overtaken that country as well. The top 10 countries accounted for almost three quarter of all overseas Indians and just 25 countries for almost 95% of all overseas Indians. Country Indian PopulationMyanmar 2,902,000United States 1,678,765Malaysia 1,665,000Saudi Arabia 1,500,000United Kingdom 1,200,000South Africa 1,000,000U.A.E. 950,000Canada 851,000Mauritius 715,756Trinidad & Tobago 500,600Guyana 395,350Fiji 336,829Oman 312,000Singapore 307,000Kuwait 295,000Reunion Islands 220,055Netherlands 217,000Australia 190,000Suriname 150,456Qatar 131,000Bahrain 130,000Kenya 102,500Yemen 100,900Tanzania 90,000Thailand 85,000Italy 71,500Portugal 70,000France 65,000Jamaica 61,500Indonesia 55,000New Zealand 55,000Hong Kong 50,500Israel 45,300Guadeloupe 40,000Philippines 38,000Germany 35,000Madagascar 29,000Spain 29,000Nigeria 25,000Mozambique 20,870Zimbabwe 16,700Russia 16,044Switzerland 13,500Zambia 13,000Libya 12,400Uganda 12,000Austria 11,945Lebanon 11,025Sweden 11,000Japan 10,000Maldives 9,001Botswana 9,000Brunei 7,600Belgium 7,000Greece 7,000Norway 5,630Seychelles 5,000Ghana 3,800Ukraine 3,400South Korea 2,700Barbados 2,200Panama 2,164Denmark 2,152Brazil 1,900Syria 1,800Taiwan 1,800Eritrea 1,753Argentina 1600Ireland 1,600Bhutan 1,500Sudan 1,500Egypt 1,390Finland 1,170Kazakhstan 1,127Papua New Guinea 1,000Jordan 930Poland 825Iran 800Ethiopia 734Uzbekistan 690Venezuela 690Chile 650Afghanistan 500Belize 500Romania 491Benin 450Czech Republic 420Mexico 400Tajikistan 400Morocco 375Vietnam 320China 305Burundi 300Cambodia 300Cote d’Ivoire 300Cyprus 300Turkey 300Djibouti 280Azerbaijan 250Cameroon 250Andorra 200Armenia 200St Lucia 200St.Vincent/Grenadines 160Peru 145Gambia 135Chad 125Laos 125Iraq 110Namibia 110Kyrgyzstan 100Slovakia 100Belarus 70Tunisia 70Comoros 50Vanuatu 50Algeria 45Angola 45Mongolia 35G.Bissau 25Guatemala 22Senegal 21Bulgaria 20Colombia 20Dominica 20Mali 20Solomon Islands 20Costa Rica 16Croatia 10Ecuador 5North Korea 5Lithuania 5Cape Verde 4 Related Items
23 hours ago 23h See More Jobs 23 hours ago 23h Registered Nurse (RN) – Charge Nurse – $7,000 Sign On Bonus EmpRes Healthcare Management Gardnerville, NV 4.5★ 23 hours ago 23h 3.1★ 23 hours ago 23h RN, Registered Nurse – OP Chemotherapy CHRISTUS Health Houston, TX Administartive Assistant Sentry Mechanical Pittsburgh, PA N/A Are you fed up with making less than you’re worth or feeling unfulfilled at your current job? You’re not alone. According to a survey by Mental Health America and the Faas Foundation, 71 percent of respondents said that they’re looking to change employers.The survey also found that 45 percent of respondents said they “rarely or never” get the money they deserve and 44 percent believe that they are “always or often” overlooked. If you’re one of the many people thinking about a change to move into your dream job, you might hesitate to take the plunge. After all, change can be difficult. Instead of letting the following fears hold you back, it’s time to start becoming aware of them and how you can push past each one to finally create a career you love.1. Fear of UncertaintyIt’s common for people to stay at a job they don’t enjoy because of uncertainty or fear of the unknown — not knowing what the future holds after making a career change can be scary. To curb your fear of uncertainty, plan ahead — don’t jump in right away. Start by using a planner like this Growth Mindset printable from Happiness Planner. Use it to create a step-by-step plan for getting to your dream job, making you feel more confident and certain in the changes that need to happen.8 Dream Jobs You Should Aim to Get in 20182. Fear of RejectionNo one wants to leave a stable job and chase their passion only to be greeted with rejection.“You don’t have enough experience,” you might worry about hearing. The first step in eliminating this fear of rejection is to accept that you will inevitably face challenges throughout your journey — and everyone has to start somewhere. Be realistic about what you can do right now. If you’re making a total career change, you may need to go back to school first, or leave a comfortable management position for an entry-level assistant job. When you’re realistic about where you are and what you have to learn, you’re less likely to experience that rejection you’re so fearful of.3. Fear of Rocking the Boat Perhaps your dream career is with the company you’re already at — but you can’t seem to get to the position you desire. Your fear of rocking the boat may be what’s holding you back — an experience that is especially prevalent among women. “I feel most women are taught and encouraged to just go with the flow. If there is a process or protocol at work that they disagree with, or they have an alternative solution, women aren’t encouraged, and often not confident enough, to offer solutions or suggestions to these things. Instead, they just go with the flow,” says Sarah O’Brien Hammond, a top recruiter in New York City.How do you move past this fear? Find your voice and share your ideas. Hammond suggests, “Men offer solutions and encourage change all the time and we need to be as vocal as men. We need to be raising our hands more often, speaking our mind and encouraging the right changes to better position us as women to be successful.”4. Fear of Change Most people don’t like change and the feeling it brings. You have a routine — it’s familiar and familiarity makes even a bad job manageable. Embarking on a new career will undoubtedly change your routine — for example, it might require more hours away from your family or a smaller paycheck — and that’s enough to hold even the most ambitious career climbers back.Rather than letting this fear of change take over, find ways to embrace it. Think about other times in your life when significant changes occurred, and see that you were, in fact, okay when it was all over. Use this as inspiration as you anticipate and analyze what the biggest changes will be during this transition. The sooner you become aware of these changes, the better you can accept and prepare for them.5 Excuses You’re Making To Avoid Taking a Risk At Work5. Fear of Not Being EnoughIf you’re in a low-level position, it may be hard to imagine yourself in your dream career, for fear that you lack the necessary skills, attitude and experience: “Many times, we’ll feel drawn to a position or project and stop ourselves, making the excuse that we don’t have the experience or education to pursue a path that seems to be calling to us,” says Kristen Knepper, executive coach and consultant. But this fear doesn’t have to stop you from moving into your dream career. Instead, Knepper suggests, “Understanding how your experience and education translates to a career change or promotion is key to creating confidence within one’s self, and then demonstrating that confidence to decision makers. Don’t be afraid to use transition jobs and informal experience to demonstrate your point.” This means considering how your experience can help you make the first step, and then using each move after that as leverage for the next one. 6. Fear of Being JudgedMaking a big decision, like pursuing a dream job, is going to be met with some judgment, whether it’s from your family, friends or co-workers. There will always be nay-sayers, but remember: that reflects their attitude and mindset, not yours. In many cases, they may be jealous of your move or frustrated that they’re stuck in a job they don’t like.Don’t let that discourage you. Find a community of like-minded individuals that understand what you’re trying to achieve and can offer up support. Look for Master Mind groups and networking opportunities where you can build a circle of people who lift you up and encourage your aspirations. Take the Next StepAcknowledge your fears and use these ideas to push past them. Your dream career is only a few chess moves away, so consider how you can get there, prepare for big life changes and education needs and then advocate for yourself with confidence.Browse Open Jobs 23 hours ago 23h 3.5★ Interior Designer – St. Louis & Dallas Oculus Saint Louis, MO Service Advisor Prime Motor Group Saco, ME 23 hours ago 23h LCPC – Licensed Clinical Professional Counselor Above and Beyond Family Recovery Center Chicago, IL 23 hours ago 23h 2.5★ 2.3★ N/A 23 hours ago 23h Director, Advanced Technology Policy General Motors United States 23 hours ago 23h Deli Associate F&M Deli & Restaurant Mount Laurel, NJ 4.7★ 2.8★ 3.4★ ICU Registered Nurse Del Sol Medical Center El Paso, TX 23 hours ago 23h Registered Nurse Supervisor RN Waterbury Gardens Nursing and Rehab Waterbury, CT
23 hours ago 23h 23 hours ago 23h 3.4★ 23 hours ago 23h Market Float Pool – RN – Med Surg Del Sol Medical Center El Paso, TX 2.8★ Pest Control Technician United Pest Solutions Seattle, WA Cook Westminster Village Bloomington IL Bloomington, IL 23 hours ago 23h View More Jobs Hot New Jobs For You Having a well-crafted resume can be the key to getting your foot in the door at the company of your dreams. But figuring out how to make your resume fully representative of your experience and also stand out is easier said than done. After all, hiring managers and recruiters generally only spend about 7 seconds reading your resume before deciding whether to move forward or not. Most people know the basics of how to put together a decent work history, but here are some tips you probably haven’t heard before that can help your resume stand up to the 7-second test. 1. Only include your address if it works in your favor.If you’re applying to positions in the city or town you already live in, then go ahead and include your address. In this case, it lets the hiring manager know you’re already in the area and could theoretically start working right away. But if you’re targeting jobs in another area and you’d need to move in order to start working, it’s probably a good idea to leave your current address off of your resume. Why? Recruiters are sometimes less excited to interview candidates from another city or state, since they often require relocation fees.How to Write a Resume2. Be a name-dropper.It may be poor form to drop names in everyday life, but you absolutely should do it on your resume. If you’ve worked with well-known clients or companies, go ahead and include them by name. Something like: “Closed deals with Google, Toyota and Bank of America” will get recruiters’ attention in no time flat.3. Utilize your performance reviews.You might not think to look to your annual review for resume material, but checking out the positive feedback you’ve received in years past can help you identify your most noteworthy accomplishments and best work attributes — two things that should definitely be highlighted on your resume. Including specific feedback you’ve received and goals you’ve met can help you avoid needing to use “fluff” to fill out your work experience.4. Don’t go overboard with keywords.Many companies and recruiters use keyword-scanning software as a tool to narrow the job applicant pool. For this reason, it’s important to include keywords from the job description in your resume — but don’t go overboard. Recruiters can spot “keyword stuffing” a mile away. 5. Use common sense email etiquette. There are two types of email addresses you shouldn’t use on your resume or when applying to a job via email: your current work email address, or an overly personal or inappropriate email address, like email@example.com. Stick with something professional based on your name in order to make the best possible impression.64 Action Verbs That Will Take Your Resume From Blah to Brilliant6. When it comes to skills, quality over quantity. There’s no need to list skills that most people in the job market have (Think: Microsoft Office, email, Mac and PC proficient), which can make it look like you’re just trying to fill up space on the page. Keep your skills section short, and only include impactful skills that are relevant to the job you’re applying to. 7. Choose to share social accounts strategically. Including links to social media accounts on a resume is becoming more and more common. But it’s important to distinguish between professional accounts—like a LinkedIn profile or Instagram account you manage for work—and non-professional ones, like your personal Twitter or Facebook account. While it might be tempting to include a personal account in order to show recruiters who you are, you’re better off only listing accounts that are professionally-focused. Save your winning personality for an in-person interview.8. Use hobbies to your advantage. Not all hobbies deserve a place on your resume, but some do. Hobbies that highlight positive personality qualities or skills that could benefit you on the job are worth including. For example, running marathons (shows discipline and determination) and blogging about something related to your field (shows creativity and genuine interest in your work) are hobbies that will cast you in the best possible light and might pique a recruiter’s interest.9. Skip generic descriptors.Hardworking, self-motivated, self-sufficient, proactive and detail-oriented are all words you’ll find on most people’s resumes. But most job seekers are motivated and hardworking, so these traits don’t really set you apart from the rest of the applicant pool. Instead, focus on the specific skills and accomplishments that make you different from everyone else applying to the position. 10. Keep an accomplishment journal. Keeping a log of your work accomplishments and positive feedback as they come up can make putting together or updating your resume significantly easier. Include as many details as possible so you don’t have to spend time tracking them down later. Registered Nurse (RN) – PM Shift Full-time EmpRes Healthcare Management Petaluma, CA 23 hours ago 23h 3.2★ 23 hours ago 23h 3.5★ 5.0★ 23 hours ago 23h Part-time Evening Associate Crew Carwash, Inc. 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Liverpool management are planning to raise over £60 million from sales of senior players this summer.The Times says Reds boss Jurgen Klopp is looking to offload Lazar Markovic, valued at £20m, Mamadou Sakho, valued at £30m and Alberto Moreno who’s thought to be on sale for £13m.Markovic has been linked with a move to Watford, having spent part of last season on-loan at Hull City.Sakho could return to Crystal Palace after he spent the second half of last season at Selhurst Park.Moreno has been linked with a move to Atletico Madrid and both Milan clubs.
Juventus have made contact with Barcelona for Andre Gomes.Don Balon says Juve have asked to be kept up-to-speed over Gomes’ situation this summer.Juve have the Portugal international under consideration as an alternative to Sevilla midfielder Steven N’Zonzi.If a deal cannot be done over the Frenchman, Barca will move for Gomes.The midfielder struggled in his first season at Barca last term.
Crystal Palace chairman Steve Parish says they moved for Frank de Boer to shake up the club.During yesterday’s presentation, Parish conceded the club had “stalled” in recent years.He said: “I’ve got my trust in Frank. He understands this game like I never will, and he understands players like I never will.”We need evolution over time. We’ve been in the bottom three for home form over the last few years and that’s going to catch up with you at some point.”We have to evolve, we have to get out of this bottom ten somehow. Our fans aren’t particularly fussed about the style we play. Fans want to see goalmouth action, effort and style – and as long as you are winning games, everyone is happy.”It’s more important to keep our Premier League status. I look at teams like Southampton and Everton and that’s what I want this football club to be. I want us to be 200/1 to get relegated.”I’ve moved this club forward over the last seven years, but we’ve stalled a bit now and we have to bring in the right people and in Frank I think we’ve got that.”
Bringing the Community TogetherThe Global Maternal Health Conference 2010 (GMHC2010) took place in New Delhi, India from August 30th to September 1st at the India Habitat Centre. The MHTF collaborated with the Public Health Foundation of India (PHFI) to co-host the successful conference. Over 700 experts gathered to attend 70 sessions. Many stakeholders also joined the conference remotely via live webcast. The purpose of the conference was to share data and impressions, to learn about progress and innovations, to identify knowledge gaps, and to reach consensus on local, national, and global challenges to improving maternal health. Mapping the Maternal Health LandscapeThe MHTF conducted a mapping exercise with Women Deliver to map an unprecedented number of organizations around the world which are working to improve maternal health. Over 1,500 organizations are now represented on a Google map housed on our website. Another 500 locations will be mapped by Spring of 2011. We anticipate that this map will become an extremely useful resource for a wide range of individuals in the community.Share this: Posted on December 20, 2010November 13, 2014Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)As we approach the New Year, we would like to share with you some highlights from 2010. The MHTF had a very busy year, and these highlights cover only some of the exciting work taking place. We hope you take a few moments to look at photos from the past year. Happy Holidays and see you next year! ShareEmailPrint To learn more, read: Mentoring the Next Generation of MH ExpertsMHTF and Ashoka partnered to create the first international program that links committed young professionals with Ashoka’s seasoned social entrepreneurs to improve maternal health in developing countries. 15 Young Champions with new ideas to address maternal health challenges were selected. The Young Champions were introduced at the GHMC2010, where they also received an orientation before departing from the conference to begin their 9-month mentorship. Blogs and vlogs from the projects have provided glimpses into the exciting projects taking place. Nurturing InnovationThis year the MHTF established new links with 8 leading innovators in developing countries where poor maternal health has stymied socio-economic development. These projects range from measuring the economic impact of maternal morbidity and mortality in Sri Lanka to a pilot of systematic community-based verbal autopsies of maternal deaths in Malawi.
Posted on August 2, 2016August 2, 2017By: Sarah Hodin, Project Coordinator II, Women and Health Initiative, Harvard T.H. Chan School of Public HealthClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)During this year’s World Breastfeeding Week, we reflect on the crucial role of breastfeeding in pursuing the Sustainable Development Goals (SDGs). The World Health Organization (WHO) recommends that infants be exclusively breastfed for at least the first six months and continue breastfeeding for two years. WHO aims to increase global exclusive breastfeeding rates to at least 50% by the year 2025.Currently, only 38% of infants around the world are breastfed exclusively, and suboptimal breastfeeding contributes to approximately 800,000 infant deaths annually. Breastfed infants are at least six times more likely to survive in the first few months of life compared to non-breastfed infants. Breast milk helps prevent respiratory infections, diarrhoeal disease, urinary tract infections, obesity, asthma, diabetes and other life-threatening conditions in children. Furthermore, research suggests that breastfeeding protects mothers against breast and ovarian cancer, reduced bone density and possibly postpartum hemorrhage. Promoting exclusive breastfeeding is particularly important in low-resource settings where maternal and infant mortality and morbidity rates are high.The connection between breastfeeding and SDG 3 (ensure healthy lives and promote well-being for all at all ages) is obvious; but breastfeeding can also help us achieve the other SDGs. For example, breast milk is not only the best source of nutrition for infants—it is also available globally regardless of socioeconomic status. Therefore, encouraging and supporting women in low-resource settings to breastfeed can play a vital role in achieving SDG 1 (end poverty in all of its forms everywhere), SDG 2 (end hunger, achieve food security and improved nutrition and promote sustainable agriculture) and SDG 10 (reduce inequality within and among countries).Since breastfeeding is associated with positive health outcomes for mothers and babies throughout the life course, its benefits continue to affect women as they age and children as they grow into adults. Healthy children and adults are better students, better workers and more productive members of their communities, which has implications for SDG 4 (ensure inclusive and equitable quality education and promote lifelong learning opportunities for all), SDG 8 (promote sustained, inclusive and sustainable economic growth, full and productive employment and decent work for all) and SDG 9 (build resilient infrastructure, promote inclusive and sustainable industrialization and foster innovation).Breastfeeding can also be considered a part of the sexual and reproductive health rights agenda, which is a crucial component of SDG 5 (achieve gender equality and empower all women and girls). Lastly, since breast milk is a natural, renewable food source that does not require packaging or distribution, breastfeeding is beneficial for the environment, which is the general focus of SDGs 6, 7, 11, 12, 13, 14 and 15. Though each SDG has its own objective, the SDG agenda emphasizes the importance of considering how these goals are interconnected and thinking holistically about global development.Although the benefits of breastfeeding are well documented, breastfeeding rates remain low in many settings, and large disparities persist both within and among countries. As we approach the one-year anniversary of adopting the SDGs, prioritizing interventions to encourage breastfeeding around the world is more important than ever.—Join the conversation on social media by using the hashtag #WBW2016Learn more about breastfeeding on the MHTF website.Visit the World Breastfeeding Week website.Watch this two-minute video to learn more about the SDGs.Share this: ShareEmailPrint To learn more, read:
Posted on January 25, 2017January 30, 2017By: Sarah Hodin, Project Coordinator II, Women and Health Initiative, Harvard T.H. Chan School of Public HealthClick to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to email this to a friend (Opens in new window)Click to print (Opens in new window)Read Part 1 here.Trends over timeIn 1990, roughly one in 15 babies on the planet was born via cesarean section surgery. In 2014, one in five babies was born via cesarean. The rates have increased dramatically over the past few decades in most regions, with the fastest growth taking place in North Africa and Latin America and the Caribbean. There is substantial variation within regions, with certain countries experiencing more rapid increases than others. Georgia3.8% (1990)36.7% (2012) Morocco2% (1992)16% (2011) 8. Maldives: 41.1% (2011)8. Guinea-Bissau: 2.3% (2010) Highest National Cesarean RatesLowest National Cesarean Rates Egypt4.6% (1992)51.8% (2014) Turkey8% (1993)47.5% (2011) ShareEmailPrint To learn more, read: 5. Turkey: 47.5% (2011)5. Burkina Faso: 1.9% (2010) Colombia16% (1990)43.4% (2012) China4.4% (1990)36.2% (2011) Considering data and measurement limitations is important when interpreting trends. Currently, there is no standard, internationally-accepted classification system to measure and monitor cesarean rates, which presents challenges when attempting to make comparisons between locations or time periods. Despite this limitation, though, available data illustrate a clear upward trend in most parts of the world.Wide geographic variationThe highest cesarean rates are mostly found in middle-income countries in Latin America and the Caribbean, North America, Europe, Australia and Southeast Asia, while the lowest rates are found in sub-Saharan Africa. National cesarean section rates vary widely, ranging from less than 2% of births in Burkina Faso, Chad, Ethiopia, Madagascar, Niger and Timor-Leste—where many women do not have access to safe cesareans when they need them—to greater than 40% in Brazil, Colombia, Dominican Republic, Egypt, Iran, Maldives, Mexico and Turkey. 7. Colombia: 43.4% (2012)7. Nigeria: 2% (2013) 1. Dominican Republic: 56.4% (2013)1. Niger: 1.4% (2012) 9. Uruguay: 39.9% (2012)9. Guinea: 2.4% (2012) 6. Mexico: 45.2% (2012)6. Madagascar: 1.9% (2013) 10. Italy: 38.1% (2011)10. Gambia: 2.5% (2010) 2. Brazil: 55.6% (2012)2. Chad: 1.5% (2010) 4. Iran: 47.9% (2009)4. Timor-Leste: 1.7% (2009) CountryPrevious Cesarean Rate (Year)Current Cesarean Rate (Year) Dominican Republic20% (1991)56.4% (2013) There is also wide variation within countries depending on location. For example, in the United States, facility-level cesarean rates ranged from 7.1% to 69.9% in 2009. Similarly, cesarean rates in China ranged from 4% to 62.5% in 2014 across provinces.Read Part 3 here.Graphs and adapted tables from Betrán et al. The increasing trend in caesarean section rates: Global, regional and national estimates: 1990-2014. PLOS One 2016; 11 (2): e0148343.—Read a statement about the prevention of primary cesareans from the American College of Obstetricians and Gynecologists and the Society for Maternal-Fetal Medicine.Share this: Mexico12.4% (1987)45.2% (2012) Romania7.2% (1992)36.3% (2011) 3. Egypt: 51.8% (2014)3. Ethiopia: 1.5% (2011)
My father often reminded us that, “Time stands still for no [wo]man.” It was his way of simultaneously teaching us the value of time management and the finiteness of time. As a young woman, I didn’t necessarily embrace the full magnitude of this expression. Instead, time seemed so nebulous and, paradoxically, infinite.As I got older and as life became far more complicated, I began to truly understand the importance of seeing time as one of the most valuable resources that we have, especially as freelancers and entrepreneurs.Time=freedomI also began to internalize that a key component of valuing time—one’s own and others—is understanding that time often equates to freedom, a freedom that many of us experience via entrepreneurship. It is even a freedom that may have been the catalyst for us to seek out self-employment.Yet, we sometimes, inadvertently, obfuscate our freedom of time because we do not understand its natural value. Yes, we may know what our hourly rate or our daily rate is, but is that truly the only measure of the value of our time?The answer, of course, is no. The value of our time is not mutually inclusive of money. In other words, there are many things that we gain that do not necessarily equate to a monetary value.For example, discovering one’s own style, uncovering one’s pacing, and embracing what makes one’s services unique, exceptional, or competition-worthy are process driven and that, quite understandably, requires time.Time as an investmentThink about your own experiences as a freelancer: How much time did you invest to get to where you are today? If your journey is like my journey, then some of the greatest lessons that you learned along the way about freelancing could only come from experiential knowledge or time on task. Although books, classes, curriculum, online courses, mentors, and coaches are great, it is the process of doing that leads to expertise and that requires time.As freelancers, it is important to recognize not only the value of one’s time, but also the ways in which it can be allocated to help advance one’s mission, vision, and overall freelancing services. In this capacity, time is one of the most valuable resources that we all have access to.Even in a world of ‘isms’ and ‘obias’, time can be seen as an equalizer. How we use that time is often an earmark of what is important to us, how we prioritize, our overall attitude about the value of time, and, to a certain extent, how we qualify—not just quantify—our own value (as measured by time). It is the latter that can create problems when it seeps into the world of freelancing.Know the importance of your timeFailure to recognize the importance of one’s own time can lead to underpricing, lack of fair compensation, and being overwhelmed by the process of entrepreneurship. Whether someone is just starting out as a freelancer or has been freelancing for decades, it is important to see one’s time as valuable. It can be, I contend, even more valuable than the service or good that you are monetizing.When we don’t embrace the importance of our time, we run the risk that other people will take advantage of us; we may waste our time on things that have no value added; or we may find ourselves exhausted and burnt out because we don’t have enough time to complete projects or to enjoy our lives outside of work. Obviously, none of these are desirable outcomes.Desirable outcomes are ones that lead to satisfactory results. Completing a project in an efficacious manner, adding a new service to your wheelhouse, mastering a skill, and/or gaining the respect and trust of customers reflect time well spent.As much as we may wish that there were reboot, rewind, or even pause buttons in real life, there are not. The best way to offset devaluing your time is embracing time as the natural resource that it is.And that is why it is important that you invest your time wisely and protect it. It truly is a precious and finite resource. Perhaps this is the lesson that my late father was really trying to teach me.
This is a post from a member of the Freelancers Union community. If you’re interested in sharing your expertise, your story, or some advice you think will help a fellow freelancer out, feel free to send your blog post to us here.The term side hustle has become ubiquitous in recent years. It seems like everyone has one. Whether working to make ends meet or save for a vacation, picking up extra work on the side is no longer seen as something to be ashamed of. Some people are content making a little extra cash to finance vacations or pay down student loans, but others are looking for something more.If you’re one of those that are hoping to turn your side hustle into a full-time income, and replace your job in the process, you’re in luck. This is a completely achievable dream. For people who already have a blog up and running, making the leap to a full-time income may be easier than you think.Seek income from a variety of sourcesThere are quite a few ways to earn income from your website. While it may be tempting to focus on only one or two methods and really grow and perfect them, that is not the best choice. It is fine to implement one income source at a time while you learn the ins and outs.During the time that you are treating your blog as a side hustle, income from one stream may be fine as well. Once you are ready to take your blog to the next level, however, you need to diversify.There are several reasons for this. The first is that it is easier to bring in more income when the money arrives from different sources. One person may have no interest in a digital download product, while another may never click on affiliate links. By having a range of methods generating money, your income will almost certainly increase.The other reason it is important to have a variety of sources for income is that when you are counting on an outside source for your income, whether it is an ad agency or affiliate company, you need to understand that they could change the parameters overnight. This can have a drastic change in your income, with no notice to you, and is totally outside of your control. Spreading your income sources around is a way to minimize this risk.Gain readersReaders are your bread and butter. You need a strong base of people coming to your site each day. These are the people that will buy products you offer and their numbers are the ones you will use to attract advertisers.Since you have an existing blog, you know the importance of traffic. What you may have trouble with is knowing how to get more.The most important thing is to know what not to do. Don’t change your writing style or topics just to try to attract more readers. Clickbait titles will not create a long-term following, and may actually cause you to lose readers.Another thing you don’t want to do is take every blog comment to heart and allow it to make you self-conscious when writing. Write for yourself and your readers and provide quality content.There are several things you can do to grow your audience:Write great headlines. This is not the same as clickbait. Write a short, concise headline that lets the readers know exactly what they should expect when they read.Create an opt-in box. Offer a free downloadable when readers sign up. The download should be something that will interest your readers and makes sense with your blog topic. They opt in with their email address, you send them the download, and you can follow up with a weekly or monthly email newsletter with links to your blog posts.Network with other bloggers. Instead of seeing other bloggers as the competition, look at them as teammates. Invite them to guest blog for you, and offer to guest blog for them. Link back to your blog from theirs, and allow them to do the same.Safeguard your websiteIf you ask for your visitors’ information, such as with an opt-in box, you need to keep it safe. The new European privacy and data protection rules, known as GDPR, are especially stringent, with major fines for missteps in this area.If your website does not have up-to-date security in place, it is possible for a hacker to steal your readers’ data, spam your website, or even gain control of your blog and post their own content.Strong online security is necessary for anyone hoping to turn their side hustle into a full-time job. While it isn’t necessary to understand how these attacks occur, it is important that you understand how to prevent them. Up-to-date malware, an internal firewall, and frequently updating all of your applications are mandatory to keep your blog safe.Know what benefits costLeaving your full-time job means saying goodbye to full-time benefits. It is important that you understand how much it will cost to replace those on the insurance marketplace. You need to earn enough not only to replace your income but to pay for insurance and fund a retirement plan as well.Spend some time thinking about the kind of income you need from your blog in order to take the plunge into self-employment. Obviously, this can be an entirely different number for different people, but your chances of reaching a number increase considerably if you actually have a number in your head.Prevent burnoutWhen working on your blog as a side hustle it’s no big deal to take a day off to decompress and stare at the squirrels cavorting in the trees outside, hoping for inspiration.When a blog is your job, you can’t enjoy that luxury too often. You will need to put in the work day in and day out in order to finance your life. There will undoubtedly be parts of the job you don’t care for, like any job. You’re going to have to deal with it. If you can’t, might want to stay where you’re at.Avoid burnout by creating a clear division between work time and downtime. Have a separate area where you work and out of the house to work occasionally, even if it is at the local coffee shop. Take at least one day a week where you totally step away from the blog.Final thoughtsIt is easy to feel overwhelmed when shifting from side hustle to full-time blogger. While it is a huge change, if you develop a plan for growth and implement it step by step, you can succeed. It is important to understand what blogging as a full-time job entails, and be willing to commit to that on a day-to-day basis.You may find your feelings toward blogging change when it is something you have to do to pay the bills as opposed to something you want to do for spare pocket money.Taking a professional approach to blogging before you step away from your day job allows you to make sure it is for you before leaving the traditional workforce.Gary Stevens is a front end developer. He’s a full time blockchain geek and a volunteer working for the Ethereum foundation as well as an active Github contributor.
This week, the New York Times published a helpful guide on how freelancers can create their own parental and maternity leave. Freelancers Union’s Executive Director Caitlin Pearce was among the five contributors, who outlined where the laws help, where more work is needed, and how independent workers can carve out leave in the meantime. While accessing leave is tough even for full-timers, the federal Family and Medical Leave Act does not cover freelancers. Certain states — including New York and California — do offer their own programs, but investigating those options, devising a financial plan, and coming up with a transition strategy is rife with challenges for new freelance parents.Among the hurdles is that intermittent or unpredictable incomes can make saving prior to taking leave difficult to impossible, and that federal anti-discrimination laws, like the Pregnancy Discrimination Act, also don’t extend to freelancers. That said, there are strategies that freelancers can use. On managing cash flow and client expectations, Caitlin advised keeping the lines of communication open: “Communicate that that plan may be subject to change, but that you are planning to come back to work if that’s the case and that this is how you expect to navigate your leave,” she said. Read more here.
*Alexa, play Cheap Thrills by Sia* Now that Sia has got you inspired, we know it can be hard to unwind and enjoy yourself when it often involves dropping a lot of cash. In fact, 64% of Americans say money… Full Story,Official rules here. The sweepstakes ended as of Sunday, July 21st but the opportunity to join the conversation and share #MyMintBalance lives on! You may have noticed a significant surge in conversation on your social media about the current state… Full Story,We know you love Mint, and Mint loves you right back. That’s why we’ve brought a refreshed look and feel that features a sleek design, added benefits, and a simplified view of what’s important with your money. This month, Mint… Full Story,An overdraft fee can be a headache and often one of the most expensive fees from a bank. Minters, there’s a good chance that at some point in the last year, you have seen the dreaded “NSF Fee” transaction on… Full Story,Sharing openly about your finances is difficult to do. Be it with your family, friends, in your relationship or even unintentional exposure at work (ever been on a work trip where they plan to reimburse you, but you don’t even… Full Story,We know you love Mint, and Mint loves you right back. That’s why we’re updating the iOS app with a refreshed look and feel that features a sleek design, added benefits, and a simplified view of what’s important with your… Full Story,Hi Minters! Kyle here from Mint’s product team. I wanted to share with you one of our newest feature updates that we hope you have already discovered. One of the biggest impacts to your credit score is your credit utilization… Full Story,TLDR: Mint bill pay feature will no longer be available as of June 30th At Mint, our goal is to make money management effortless. From budgeting, to tracking your transactions to regular credit score updates, we aim to help you… Full Story,Hey Mint readers – my name is Peter Fong, I’m an iOS engineer here at Mint and worked on a recent feature update for Budgets. Hopefully you’ve already discovered it – but if not – they asked me to share… Full Story,This Wednesday June 14, Mint is teaming up with Girlboss in New York City to have an impolite conversation about money. Girlboss founder and CEO, Sophia Amoruso and finance expert Farnoosh Torabi will gather a panel of emerging female entrepreneurs… Full Story
Has an organization or university offered you an opportunity with a stipend? Whether it’s an internship or apprenticeship, a stipend is a set amount of money that helps offset living expenses. This fixed amount is financial support provided while you’re… Full Story,Truth is, there is a lot to be excited about when it comes to college: new friends, a new routine, (college parties!), and more independence. But along with all these perks, it’s also time to start thinking about your finances…. Full Story,A routing number is a unique number that identifies a specific banking institution. Each routing number is made up of nine digits. Routing numbers are sometimes referred to as an American Banker’s Association routing transit number or an ABA RTN…. Full Story,It’s stressful enough having a car loan over your head and staying on top of your monthly payments. But what if you have an upside-down car loan — in other words, the amount you owe on your set of wheels… Full Story,When you’re trying to get your financial house in order, it’s easy to get lost in the specifics. You might stress about how to adjust your budget, where to find some extra cash for the holidays or what funds to… Full Story,Shortly after graduating from New York University with a Master’s degree, Melanie Lockert turned to food stamps, as she worked her way out of $81,000 in student loans. “There were a lot of emotions around carrying that debt. It caused… Full Story,Traveling is one of the best things in life, and luckily, low funds don’t have to dash your dreams of enjoying an epic adventure. A wealth of destinations—both in the U.S. and abroad—are so affordable that even hardcore penny pinchers… Full Story,While we don’t yet have flying cars that collapse to the size of a suitcase, pneumatic tubes that transport us from room to room or machines that automatically bathe and clothe us in the morning, every day we’re getting closer… Full Story,Times have changed since Grams and Gramps were your age, looking to settle down and buy their first home. But today the house with the white picket fence—or that trendy loft in downtown—isn’t completely out of the question if you… Full Story,We recently hosted a Twitter chat as part of our #RealTalkSeries. And let’s just say, things definitely got real. Many of you joined us to discuss “taboo” and cringe-worthy money questions such as how to improve a bad credit score,… Full Story
The average person may see anywhere between 4,000 and 10,000 ads in a single day. From binge-watching your favorite shows to checking the pile of coupons in your mailbox, advertisers have inundated our lives. Most of the ads we see… Full Story,Dressing up for Halloween is one of the best parts of the holiday, especially if you’re a creative person. But buying a Halloween costume can get expensive, with many costing more than $50 a pop. And unless you plan to… Full Story,You may not find it on an official calendar anywhere, but Friendsgiving is a newer holiday that has gained popularity in recent years. Much like Thanksgiving, Friendsgiving is a time to gather around the table with loved ones in the… Full Story,My birthday is on Halloween, so every year I get super excited. I plan what my costume will be, decide how I want to celebrate and text all my friends to let them know. Last year, I was finally able… Full Story,Not much of a football fan? Don’t know what all the cheesehead hat-wearing and face paint-smearing is all about? Skip hanging out at the local sports bar or sitting in the stands at a game, and put on your entrepreneurial… Full Story,Living paycheck to paycheck can feel like an endless scramble. Rent is due on the first but your paycheck won’t clear until the second. On top of everything, you need to pay for groceries, a bus ticket, and utilities before… Full Story,Decision fatigue is the decline in energy and focus you experience after making too many decisions. This mental drain causes your brain to abandon your willpower in order to seek more immediate rewards, which leads to poor decision making and… Full Story,If you ask a random person on the street what they do, chances are they have a lot of slashes and hyphens in their job titles. In this day and age, if you don’t have multiple sources of income… Full Story,Do you consider yourself a financially responsible young adult? Personally, I like to think that my finances are mostly in order. Rent, student loans, car payments—everything big is blocked off nicely. If the math works out right, I have a… Full Story,In the financial world, nothing evokes feelings of terror quite like the word “bankruptcy”. It’s become synonymous with a complete and utter collapse of one’s finances – a black hole that’s almost impossible to climb out of. When you declare… Full Story
For most of us, tax time is like the holidays.It’s a magical time of year when a jolly IRS employee in an ironed dress shirt and pressed slacks issues all of us taxpayers on the “nice” list a big fat check, courtesy of the federal government.For most of us, it’s a small windfall.But have you ever stopped to ask yourself why you get that money, or what it means?To understand the concept of a tax refund, you need to understand how income tax works.WithholdingRemember that W-4 form you fill out when you start a job? Not ringing a bell?Well, you most likely did or else your human resources and payroll departments would have a panic attack.The W-4 is basically a calculator that is used to determine how much of your paycheck should be set aside to pay your income taxes at the end of the year.Life is complicated. Taxes are even more so.How much is withheld is affected by things like your marital status, how many kids you have and your eligibility for certain tax credits.Based on the number of “exemptions” you claim, your employer sets aside more or less of your paycheck.The fewer exemptions, the more they take. You’re essentially pre-paying your taxes.But it’s not an exact amount, it’s an estimate. Things could change and your tax liability could go up or down.ReturnYou fill out your tax return every year to declare your income and figure out what your final liability is to the federal government.This is where you claim all of your deductions and credits with the aim of getting your taxable income down to the smallest amount legally possible.The reason we get money back is because we overpaid the government. That’s why it’s called a refund and not a surprise or a present.That refund is essentially a 0% interest loan that we gave the Treasury. But it doesn’t have to be like that; you have a choice.Big Refund, Smaller PaycheckThe best way to maximize the size of your refund is to claim few, or zero, exemptions on your W-4 form.You technically don’t have to claim any, even if you’re entitled to them. That just means you’ll get a smaller paycheck, but a windfall (hopefully) when you file your tax return.This is the way to go if you rely on that money each year to make big purchases, put in savings or pay off some debt.But remember, you’re lending the government money at no interest.Bigger Paycheck, Smaller (or No) RefundIf you get a tax refund every year, you might be able to spread that out over your paychecks.To do this, claim the maximum number of exemptions you’re entitled to on your W-4.This means your company’s payroll department will set aside the least amount of tax possible, depending on your circumstances.You’ll get more in your paycheck, but a smaller, or no, refund.Be careful though, your tax liability could be affected by any number of factors and if you haven’t had enough taken out of your paychecks, you could end up owing the government.Then it’s you who’ll have received that 0% interest loan, not Uncle Sam.If you’re looking to make a change, it’s not a bad idea to consult your accountant or financial planner before you submit a new W-4. There are lots of factors to consider.Also, Turbo Tax has a number of cool (and free) tools to help you make sense of withholding and help you estimate what you might get back or owe.Which path you choose depends on your financial personality type and your budgeting preferences. Do you have questions about how Obamacare is going to affect your taxes this year? TurboTax has a community dedicated to the Affordable Care Act. Get your questions answered here.“Are You Giving the Government an Interest-Free Loan?” was provided by QuickenLoans.com.Also from QuickenLoans:6 Tips for a Positive Craigslist TransactionBuilding an Energy-Efficient Home from the Ground UpWho Will Be the New Head of the Federal Reserve? Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) Related Post navigation
Post navigation Just like how your needs and preferences change, so do your spending and saving patterns. In turn, budgets are living, breathing things. With that in mind, the end of year is the perfect time to take a deeper look at your money situation and make changes to your spending plan. After all, how can you get to your destination without an up-to-date roadmap?Here are steps to take to review your spending plan, and make tweaks accordingly:1. Account for Changes in Living ExpensesIf you’re feeling a bit of a squeeze with your budget, there are greater forces at large. It turns out the cost of living is increasing at the fastest rate in a decade.It’s easy to turn a blind eye and take a “blame the man” stance about your money situation. But it’s super important to take a look at what’s shifted with your personal expenses and make changes within your sphere of control.For me personally, this has been what I’ve called my year of forced upgrades. I had to buy a new cell phone and eventually switch carriers, was forced to relocate out of my apartment, and bought a new car to retire my 15-year clunker. As you might imagine, this resulted in increased expenses. This affected my renters and auto insurance policies, not to mention tacked on one-time a bunch of one-off expenses.Check and see what expenses have changed in the past year, and account for anticipated changes in the upcoming year. For instance, maybe you are planning to move cities, have a baby, or travel more.2. Look for Spending PatternsWhile changes in your bills is one thing, looking for trends in your everyday spending can be a more challenging task. Review your transactions in the past year using a money management app or by scouring debit or credit card statements. Break it down by category, or by retailer. I recently checked and found that I my bougie side has emerged this year, and I’ve been spending more on higher-quality, pricier foods. On the flip side, I haven’t been eating out as much.Looking at your spending patterns will help you gauge how much you should set aside for discretionary (aka variable, or non-bills) spending. Check to see how much you spend on groceries, shopping, entertainment, eating out in a given week or month, then allocate accordingly.3. Plan the Months AheadIdeally, you should have a spending plan in place for the next six to 12 months. That way you can set up goals for big-ticket items such as to create saving goals for major expenses, such as trips, birthday parties, and equipment for my hobbies and projects.“Keeping an up-to-date spending plan is useful and beneficial because it allows you to plan how you want to use your money, instead of looking back and wishing you had done something differently,” says Kayse Kress, a CFP® and fee-only financial planner for physicians. “It’s important to prioritize your goals in case you can’t accomplish everything right away. Don’t feel discouraged and think of it as something you can work towards down the road.”4. Cut Back By Using the “Cost-Neutral” ApproachOne way you can approach slashing expenses so to go for the “cost neutral” approach. What this essentially means is that try to cut back in some areas, and put the money saved into other expenses. Doing so will “null” another expense.When I switched cell phone carriers, I expected to pay more. But I ended up saving $50 a month on my cell phone bill by switching from a personal account to a small business one (self-employment perks). That $50 is going toward a recurring expense for my freelancing business.My good friend Greg is a master at referral codes. He’s probably doled out enough referral codes for ride-sharing apps and food delivery services to save him $1,000 in eating out and transportation (no joke).5. Save by Going for the Easy WinsTo give yourself a motivational boost—or if you don’t have a ton of time—go for the “easy wins” first. This means seeing if you can lower or nix any of your recurring expenses, such as your cable bill, insurance policies or subscriptions.All it takes is a call to the company to see what discounts or promos are available. For instance, many insurance policies offer a discount rate if you opt for a bundle, sign up for autopay, or with group discounts. For instance, I scoured my internet bill to discover there was a $10 monthly charge to use the service provider’s router. Most of the time you can return their router and use your own.If you’re nervous about putting on your negotiator hat, ask a trusted friend or family member to haggle on your behalf. (Yes, I’m usually that friend who loves to ask for a better deal.) Or use a service such as Trim or Truebill.6. Pay Yourself FirstWhile this may not always be realistic, aim to save for your saving goals, then live off the rest. You’ll need to figure out how much you need for living expenses, and lower expenses as necessary. But it feels great to be able to pay steady progress on the things you care about the most, and not have all your money be spent nilly-willy, only to feel frustrated that you haven’t made a dent on your goals.7. Set Up Money Dates With YourselfChecking in once a year is great, but ideally try to check in monthly to account for any changes. If you’re partnered and share expenses, make a point to touch base and chat openly about money on the regular. I love my money dates, and do it once a week to categorize expenses, come up with money flows, and look for areas I can cut back.It’s all about having a plan, so you can feel more in control of what you do with your money, explore different options, and create your own approach and style to how you manage your funds. Not only will it prevent you from experiencing financial stress, but you can better align your spending with your values and your goals. And that’s what a spending plan is all about.Share this:Click to share on Twitter (Opens in new window)Click to share on Facebook (Opens in new window) RelatedHow to Make a Budget Using the 50/20/30 Budgeting RuleJuly 20, 2016In “Saving”How to Plan a Budget in Under an HourNovember 19, 2018In “Budgeting”How to Free Yourself from Financial StressJuly 3, 2019In “Financial Goals”
Surprising many in the architectural community, this year’s prestigious Pritzker Prize went to Chilean architect Alejandro Aravena. Though the award—often regarded as the Nobel Prize of architecture—prompts images of iconic skyscrapers or museums, Aravena initially achieved fame for his firm’s work with the Quinta Monroy community, an affordable housing project that took a novel “incremental” process to house 100 families.The award underscored the importance of affordable housing. An estimated billion homes are currently needed in order to meet the world’s demands for urban housing. While traditional affordable housing solutions have either focused on government-created social housing—which is frequently expensive and oftentimes marginalizes communities—or on private production—which has a dismal track record of meeting the urban poor’s needs—Aravena’s project and others like it prove there’s another way. An “incremental” approach, where the urban poor are involved in constructing their own homes slowly over time, can reduce housing costs while giving community members a say in designing their residences.Numerous examples from across the globe illustrate that government-supported incremental construction—particularly with meaningful participation and input from residents themselves—can create dignified, sound and affordable housing for underserved communities.Designing for Incremental Growth in ChileIn 2002, the Chile Barrio program, a national initiative led by Chile’s Ministry of Housing and Urban Planning, contracted Aravena’s firm, Elemental, to find a way to re-house a community of 100 families living in a slum settlement in the northern coastal city of Iquique. The government would subsidize the housing costs at $7,500 per family, and residents could keep living in their same 5,000-square-meter area.Through community engagement and planning workshops, Aravena arrived at the idea of taking an incremental approach, building only the physical foundations, walls, stairs, kitchen and bathrooms of the homes. These components comprise the half of a house that’s typically the most difficult for a family to provide for themselves. Families could then incrementally design and build the rest of their homes over time. Aravena’s firm ELEMENTAL recently released design plans for four of their social projects as open source for public adaptation, and can be accessed in .pdf and .dwg formats here.Community-led Planning in ThailandThailand’s Baan Mankong Program also offers lessons in incremental housing through a decentralized, community-led process. Launched in 2003 by the Community Organizations Development Institute (CODI), the program directs small but flexible government subsidies and loans to community-level lending and savings groups, with a strong emphasis on an inclusive, collective process. Receiving input from all members of the community, these resident-led groups decide how they’d like to invest the money—from reconstructing or upgrading individual homes to reblocking or relocating entire neighborhoods. Additionally, the Baan Mankong Program provides technical and financial support from government staff, community architects and planners where needed, enabling residents to address complex tenure security needs, land redistribution, housing improvements, service delivery and more.With control in the hands of residents and flexible financial support, the collective process at the heart of Baan Mankong has allowed communities to build larger units at half the cost of hiring a contractor. Within five years, the program had engaged more than 1,000 communities in hundreds of cities and towns, and as of 2014 had reached almost 100,000 households. Quinta Monroy project in Chile. Photo by Pontificia Universidad Catolica de Chile/FlickrThe scheme allowed Aravena’s team to cost-effectively construct homes, and residents secured a more stable place to live that they could customize to their liking. Some were even able to rent out extra rooms and develop home-based livelihoods, while children enjoyed new open spaces to play right in front of their homes. Hailed as a success, the project ensured community members were neither alienated nor displaced to the urban periphery, and property values reportedly exceeded $20,000 within a year. Informal settlement beneath the freeway in Bangkok, Thailand. Photo by Micheal Coghlan/Flickr Recognizing the Incremental Approach As Part of a Greater Housing PolicyThese programs illustrate a central lesson: that giving residents control of both housing construction and funding can be an effective solution for meeting housing demand. As housing researcher John Turner noted as far back as 1972, “The satisfaction of housing needs by central institutions is an impossibility for governments with very small budgets and faced with rapidly growing masses of people with very small incomes.”While this kind of approach certainly can’t serve all urban residents—projects can take longer than conventional social housing efforts, and can be constrained by the level of public sector support they receive—any inclusive housing policy should at least consider resident-led, incremental processes.This topic will be further explored in the forthcoming World Resources Report (WRR) on Sustainable Cities, which will analyze how cities can become more economically prosperous, environmentally sustainable and socially equitable.