5 Reasons Why Men Born in 1981 are Unapologetically Obsessed with Making Money, Saving Money, and Investing Money: The Firstborns of the Millennial Generation are Financially Woke!

Exactly 20 years ago, just a couple weeks away from my high school graduation, my plan for a career was quite humble:

To become a school teacher, to marry a school teacher, and to live in a small house in my small hometown.

That’s all I wanted. I specifically didn’t care about money. For those of us born in 1981, the firstborns of the Millennial Generation, we were led to believe that “money isn’t everything” and that “all you need is love”.

But by the time I began my career, I saw the world in a different light. And I imagine many other men who were born in 1981 also experienced the same culture shock, and therefore, a rewiring of how we perceive money.

What makes us this way? I have compiled 5 reasons why men born in 1981 are so much more woke when it comes to personal finances. Consider this to be my comic book villain origin story:

1.      The average American man gets married at age 27; which for those of us born in 1981, coincided with the Financial Crisis of 2008. Needless to say, I got married just a few months before the recession hit.

2.      Most of us attended college compared to previous generations, which meant more competition in the work force in addition to starting out our careers with heavy student loans.

3.      We were told we would be the first generation to actually make less money than our own parents; who themselves didn’t necessarily need to graduate college like we did in order to be successful in our careers.

4.      It is common knowledge that there should be no expectations for my generation to actually get social security when we retire.

5.      Thanks to the Internet, we have so many opportunities to have multiple online side hustles; to add passive income in addition to our salaries from our full time jobs.

Both at my office as well as my online persona as a YouTuber, I am referred to as Slick Nick.

If you know me at all, you know I am a person who is unapologetically fixated on making money, saving money, and investing money:

In addition to my full time job at a Fortune 500 Company, I also handle my 5 online side hustles: running two YouTube channels, managing the SEO for a majority university here in Nashville, plus selling guest blog spots and planting Amazon links here on my website.

As opposed to the excess culture of the 1980s and 1990s as people went in debt to impress people they didn’t care about by buying McMansions and brand-new luxury cars, I am from a generation where the goal is to impress people by how much money we save and invest; not how much we spend.

I feel like men from my generation will be like those who survived the Great Depression. We will spend our lives finding ways to independently fund our own retirements; assuming there will be no social security left for us.

If we’re lucky, we’re wrong. But if we’re wrong, we just might be rich.

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How to Rebuild Your Home or Office after an Emergency Caused by Inclement Weather 

Act with caution

When you have been given permission to return to your neighborhood and home, act with caution.

  • Check the outside of your house to see if there are cracks in the foundations or chimney and to check if the roof is sunken, loose or if there is any sign of deterioration.
  • Do not force the opening of a door if it is stuck. I could be holding the structure of the house.
  • Contact your insurance company. Ask what are the steps to follow to assess the damage to your home or business.
  • If you need a place to stay, you can find refuge through the Red Cross.

You may discover that due to the damage caused by the disaster it is necessary to do an intensive repair in your home or in your business, or directly a demolition. The availability of funds from insurance settlements and the assistance offered by the federal government to homeowners can be an opportunity for scammers to take unfair advantage of the situation. It is no secret that opportunistic scammers are alert to weather emergencies attracted by the demand for repairs and the availability of funds.

If a weather disaster causes serious damage to your home or business and you intend to repair the property, make sure you can do it legally. When you submit a work permit, local inspectors will determine what federal regulations you must comply with. Check the construction permit well to see what restrictions apply to your property and to check if the new structure meets the corresponding height standards.

If the structure is basically intact, but you need a contractor to help with some repairs, ask first and pay later. Remember that it must be SKEPTICAL: control the expenses that are charged to your name in the store of construction materials.

How to choose a contractor

  • Ask for recommendations from friends, family, neighbors, work colleagues, insurance agents or liquidators of insurance claims.
  • Stay away from contractors who encourage you to spend money on temporary repairs, offer “special prices” in exchange for your credit card number, or promise a loan in exchange for an advance charge.
  • Only deal with contractors who have the corresponding license and insurance. Ask the contractors for copies of their general liability and workers’ compensation insurance policies. Contact the local Home Builders Association office and consumer protection officials to find out if they register complaints against any of the contractors you are considering.
  • Get a written quote that includes all the verbal promises of the contractor. Before allowing someone to come into your home to make a budget, do not forget to ask if they will charge a fee for the budget.
  • Take your time to sign a contract. Ask for explanations about price variations, and do not automatically choose the lowest budget. Do not make deals with a contractor that asks you to pay all the work in advance. The norm is to pay a deposit equivalent to one-third of the total price of labor. Pay only by check or credit card, and only pay the final sum when the work is finished and you are satisfied with the result. Do not pay in cash.
  • Before signing a repair contract, ask a friend, family member or lawyer who is knowledgeable about these issues to review it. Before the work begins, get a copy of the signed final contract.
  • Before the work begins, ask your contractor to deliver a lien release. This is a document that states that workers and material suppliers will not claim money once you have paid the contractor. In any case, never sign a landlord’s statement that says you, the property owner, will cover the costs of the materials and labor if the contractor does not pay them.

How to pay for repair work

Never endorse your insurance payment check to a contractor. Instead, process a Certificate of Completion with your bank. The bank will pay the contractor for each completed stage of the work only after you express your agreement.

If you get a loan to pay for repair work, be careful to put your house as collateral: If you do not pay the loan on the agreed terms, you could lose your home. Consider asking a lawyer to review the loan documents.

If you used your credit card to pay for a product or service that you are not happy with, you may be able to recover your money if you dispute the charge. Write a letter to your credit card company detailing the matter; You must do so within a period of 60 days from the date you receive the invoice that includes the charge for the product or service disputed.

Using a credit card to pay for products and services offers you additional protection. In general, you can dispute the charges for unsatisfactory goods or services (even for issues related to the quality of an item) if you made a good faith effort to resolve the dispute with the seller, if the charge exceeds $ 50, or if you made the purchase in your state of residence or within a 100-mile radius of your current billing address.

If you are thinking to sell your home and going to shift to a new home than consider Hudson Movers for moving service.

How Often Children Should Go to the Dentist

There’s absolutely nothing wrong with being a concerned parent. There are many dangers present in the world today, and so it is a good idea to be careful when you are taking care of the health of your child. “When it comes to dental care of your child, in particular, an early start and regular follow up is the way to go,” says a local Belltown dentist.

First Visit

To begin with, you should take your child to the dentist by the time he or she celebrates his or her first birthday. These first visits are crucial for the child because they get him or her accustomed to the dentist’s chair. As a parent, starting this early also gives you the opportunity to get educated on the best care for your child’s teeth.

In case your child is still on the bottle and hasn’t started to wake up in the middle of the night to drink or snack, you can wait until he or she turns two years of age before you take him or her to the dentist for the initial visit. Once you’re done with the first visit, the standard frequency is to take them for a checkup every six months.

Between 4 and 6 Years

A major milestone is that period between the ages of four and six. At this point, your dentist should take some X-rays to find out if there are any insidious cavities lying between the teeth.

After 6 years

From the age of six, your main focus should be on prevention. This is that age when the baby teeth start to shed and get replaced by permanent teeth. Your child’s dentist is highly likely to suggest a sealant at this point. This is a plastic resin that will bond the chewing surfaces of your child’s teeth and reduces the chances of cavities forming in these spaces. The resin blocks bacteria from getting in those spaces between the teeth and also the grooves and valleys in the teeth themselves. This will be necessary between the ages of seven and nine. The most likely site for such treatment will be the molars, which are especially prone to cavities.

Another thing that is likely to happen around this time, when the child is seven years old, is that his or her dentist is going to suggest an evaluation of the teeth, known as an orthodontic evaluation.

As for braces, the majority of kids won’t be wearing these until they get into their early teens, but that’s not what an orthodontic evaluation is for. The whole point of orthodontics is to modify the growth of the jaw. At this stage, the dentist will evaluate the skeletal origins of things like crooked teeth and correct them early on. By sorting these issues at an early age, the dentist will be able to ensure that your child has a beautiful smile later in life.

What matters the most for your child is the basics: make sure he or she brushes his or her teeth at least twice a day, flosses everyday and go for regular twice yearly dental checkups. Your children will thank you later in life for that beautiful smile on their faces.

Yes, I Accept Guest Blog Posts, If You Can Afford My $35 Fee to Help Boost Your SEO (3 Steps to Getting Published in 3 Days or Less)

If you are a fellow blogger, or you manage your own small business and would like to boost the SEO for your company or brand online by linking it to a website has healthy as mine, here’s your opportunity.

After constantly receiving inquiries all last year, and having to go through the arbitrary process of negotiating my fee with each potential client, I’ve now looked back on what ultimately was the going rate in 2018: It was $35.

So in 2019, I want to make this simple for both of us and save us a bunch of time. Here’s how to get your guest blog post published here on my site:

1. Write an informative article like this one with links back to your website, as well as links to larger websites. Ideally, you will want to have a number in your title. (For example, “5 Ways to…”) This is ultimately a parenting blog, so your content should be somewhat relevant to a family lifestyle.

2. Email me your article to nickshell1983@hotmail.com, with a relevant copyright-free photo attached, with this as the subject line: “$35 Guest Blog Post”. Also let me know the name of the person, blog, or company you would like to see credited as the author.

3. Pay me the $35 fee within 7 days. Once you complete the previous step, I will review and publish your article, sending you the link for your review along with an invoice through PayPal for $35. If payment is not received within 7 days, I will delete the blog post.

So it’s that simple. There is no need to send me an initial email to start the process or to try to negotiate the rate.

Just complete all 3 steps and within 3 business days, your guest blog post will be up live on my website, and shared through my website’s Facebook fan page, Twitter, LinkedIn, and Google+.

I look forward to working with you.

And if you can’t afford my $35 right now, I have a free SEO starter kit for you right here.

Where I Ended Up Exactly One Year After Losing My Job: 6 Months In at a Fortune 500 Company, With a 62% Pay Increase

Today makes exactly one year since I lost my job in HR and Recruiting in the transportation industry, after working at the same place for over 11 years. The company essentially shut down an entire branch all at once, meaning that dozens of us left the office for the final time that day, with a 2 weeks’ severance pay on the way out.

For the next 6 months, I proudly adopted the title of “Stay at Home Dad”, as our daughter was only a year and a half. During that amount of time (and as I still continue to do now), I made a side income from managing my 2 YouTube channels along with this blog, as well as working as a contracted SEO Specialist for Vanderbilt University’s Biostatistics Department.

I also applied for 107 jobs, updated my LinkedIn, and prayed to God that I would find favor with the right people.

One of those jobs was for a Fortune 500 Company; right across the interstate from where I had worked all those years.

It’s funny because I had always dreamed of one day, being able to work in one of those half dozen identical 6 story buildings; not even knowing which employers were actually in them.

Exactly 6 months after losing my job, I received a call from that Fortune 500 company. I went in for the interview the day before my 37th birthday.

I didn’t realize what a big deal it was that I had more than a decade of recruiting experience specifically in the trucking industry and that I had even voluntarily took a course in HR a few years back; specializing in Emotional Intelligence.

But the manager did. And I was offered the job on the spot.

That was 6 months ago.

Since then, I have thoroughly enjoyed the challenge of applying everything I have learned over the years, here at my new job.

It’s pretty rewarding to think: There are a lot of things I’m not good at- but somehow, I am totally wired to be a recruiter; to handle the hiring side of HR.

I have a talent for managing chaos; which is ultimately what recruiting is, especially in the transportation industry. I am well qualified for a job that is well in demand these days.

Finally after all these years, I can feel that my English degree and my more than a decade of recruiting and retention experience has paid off… literally:

In a year’s time, I now make 62% more than I did at my old job, where I was actually in a management role.

Granted, my wife and I are Dave Ramsey followers. So we’re simply carrying over all our extra income into paying off the principal on our home mortgage, as well as savings.

And yes, that’s still the same old paid off 2004 Honda Element there in the picture behind me. (I’ve owned it since January 2006.)

Even though I could buy, in cash, the Jeep Wrangler that I have wanted all these years, it’s more important to me to manage this extra income wisely.

After joining the work force with thousands in student loans and getting married a few years later in 2008, during the recession, and learning to live off a lot less for so many years, it’s hard to imagine living any other way at this point.

So yeah… it’s been an interesting year for me.

Yes, I Accept Guest Blog Posts to Boost Your SEO. I Charge $100. Email Me.

You just Googled, “bloggers who accept guest blog posts” because you are needing to strengthen your website’s SEO. On a daily basis, I get requests from people asking me about this. That obviously proves my website has amazing SEO.

The answer is yes. I do accept guest blog posts. I also accept $100, to be paid via PayPal.

I have the SEO platform you need to link your site to. You have the $100 that I would like to link to my wallet.

So if you’re interested, send an email to nickshell1983@hotmail.com with this headline:

SEO $100

Make sure that you include a photo, as an attachment, not copied and pasted, to accompany your article; which needs to a be minimum of 300 to 400 words and somewhat relevant to the topic of parenting and family.

Also let me know how you want to be listed in the byline, so I know which person and/or brand to draw readers’ attention to.

The concept with your guest blog post is that you want to answer questions that people are already Googling, but you will be using my popular platform to do it, which will refer people back to your website.

Here’s a recent example of a guest blog post here on my site, where someone paid my $100 fee:

And yeah, I get it…

If you’re just starting out, you likely don’t have the budget to afford my service. That’s the paradox:

Larger companies can afford to pay for SEO, so they stay large.

Small companies can’t afford to pay for SEO, so they stay small.

If you can’t afford my $100 free to be featured as a guest blogger on my website, I can at least leave you with a complimentary parting gift, which is my SEO starter kit.

Yet still, it’s inevitable: You can’t get around the fact that you’ll need a stronger website like mine to attach links back to yours.

How much time are you willing to spend searching for other websites that will accept guest blog posts cheaper, or ideally for free?

You have to decide: Is your time worth $100?

Perhaps you’ll decide, like Billy Joel said back in 1977:

I might as well be the one.

April Milam Photography in Spring Hill, TN: Specializing in Newborn and Family Portraits

A month ago while I was taking photos for my SEO spotlight article on Legacy Coffee Co., I met April Milam as she was ordering her drink. I learned that she is a professional photographer who lives just a mile and a half away from my family.

So I thought it would be cool to shoot a video tour of her home studio, to include in my massive library of videos on one of my YouTube channels:

And then when I began to fathom the logistics in being able to get newborns and young children to pose to her photos, I decided to make a video about that in itself:

Meeting April when I did (which just happened to be in the month of April) was perfect timing, because my wife had just said that we need to get some good professional photos done of our family; and especially of our daughter, who just turned 2 years old on April 24th.

As you can see, April did an amazing job.

In the moment, I had no idea that she was getting such beautiful images of our children. As the parent, I was just hoping my daughter didn’t have a meltdown during the photo shoot.

Something that really stands out to me about April’s approach is how efficient she is. We were literally at her home studio for 28 minutes from the time we pulled in the driveway until the time we left.

We had originally planned on doing an outdoor shoot, but that plan got rained out. As you can see though, April’s home studio served us quite well.

She knows what she’s doing.

So obviously, if you’re in the Nashville area, April is a solid choice for a photographer!

Here’s a link to our family’s entire photo shoot on her website:

April Milam Photography

And here is her page on Facebook.

Thanks for checking out April’s photos of my family today. We are so pleased!

To think: It all happened because she went out for a cup of coffee one random Tuesday morning.