Friday, September 30, 2016

Dominican Nail Artist Calls Out Social Issues With Woke Nail Designs







One woman is giving people the opportunity to express their views on social issues like feminism, racial equality and cultural pride in an unexpected way. 



Dominican nail artist Ami Vega has been doing hand-painted nail art for about five years. Recently, her clients have started asking for socially conscious designs like the black power fist and Black Lives Matter-related images, LGBT-inspired illustrations like the gay pride rainbow, or having the words “bad feminist” alongside the names of prominent feminist authors on their nails.



The New York native told The Huffington Post that it's liberating “to have your standpoint [on social issues] expressed somewhere people can see.” She explained that her clients usually come to her with an idea and they work together to bring it to life.



To Vega, wearing social issues on your hands is just another way to go “into the real world and start real conversations face-to-face, to make an impact and to push your thoughts and views so you can get them out there and get them seen.” 



She added, “I think my nail art, as far as what is going on now, is a reflection of what's going on in society and what my clients want.” 



Vega, who also has a 6-year-old daughter, admits that she ultimately hopes her work shows her little girl that “she's capable of doing anything.”



Check out what else Ami has to say about her nail art and see her in action in the video above. You can also see more of her nail art masterpieces on her Instagram account



Produced by Liz Martinez/Kohar Minassian, Edited by Kohar Minassian, Shot by Steve Gatti and Sam Wilkes.

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Thursday, September 29, 2016

Here's Where Your Employee's Pay Raises Have Gone Since 1970



If you provide employer-paid healthcare insurance for your employees, show them the chart below the next time you are discussing salaries with them, suggests Barry Ritholtz writing for Bloomberg.com. It demonstrates that real (inflation-adjusted) compensation has risen 61 percent since 1970. Yet despite that increase in compensation, when it comes to wages–the cash portion of compensation that goes into the pockets of employees–have only increased less than 3 percent during that period.




How can compensation increase 61 percent but wages less than 3 percent?


The answer can be seen in the Federal Reserve chart below. It shows two ways to measure employee compensation.


compensation-grapht


 


TOTAL COMPENSATION 61% | The blue line tracks total compensation (adjusted for inflation) and shows that between 1970 and today, total compensation rose 61 percent. Total compensation includes wages, various worker benefits such as matching 401(k) contributions, health insurance, disability insurance, paid vacation and leave plus any employer-paid taxes. By far, the largest share of the increase in total compensation has been healthcare insurance.


WAGES  3% | The green line tracks wages–or the cash portion of compensation. Barry Ritholtz says, “it isn't a stretch to surmise that most employees don't really appreciate how substantial this non-wage compensation is; nor do they realize how much healthcare costs, the biggest part of their non-wage compensation, have risen. So while the total amount companies spend on compensation has increased a good deal, it sure doesn't feel that way to many workers.”


What are the ramifications?


If healthcare insurance were not tied to employee compensation, much of that 61 percent increase in compensation would have gone into the “wages” line. As it is today, the total compensation approach masks much of the compensation growth workers have received. Moreover, because the payments of healthcare-related costs are handled by a third-party payor (the insurance company), employees (patients) do not always recognize the significance of the value they are receiving.


Bottom line


Obamacare is making a hard “perception” issue even greater. Employers must balance the perception that compensation is growing while wages are stuck. But in the midst of political discord and misinformation (from all sides of this issue), finding a way to improve, reform or replace our healthcare insurance system–or even tweaking it–seems an impossible challenge.


VIA |Bloomberg.com




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Tuesday, September 27, 2016

Why Small Businesses Likely Create More Jobs Than Previously Thought



Steve King, Emergent Research partner and a regular contributor to SmallBusiness.com explains how the U.S. government is underestimating the economic impact of small businesses by excluding the self-employed when collecting and classify small business data. (Background: “Why 'Non-Employer Businesses' are a Big Deal, Even if the Label Sounds Like They Aren't.”)




Over the past three decades, companies that were less than one-year-old with one to four employees averaged creating more than one million jobs per year.


That's a lot of jobs.


But the number would be much higher if the government included the economic impact of the self-employed, or “non-employer business,” the label used by the IRS to describe freelancers or other types of independent workers.


The decision to collect the data this way happened decades ago; long before the rise of contingent talent and the growing ability to hire contractors through online on-demand talent marketplaces.


A growing trend we see is a new form of job creation where one independent contractor (a non-employee business) hires another freelancer or independent contractor. Because both individuals are defined “non-employee business,” data on their activity is not included in most analyses of the small business sector.


Because of the growing availability of freelance talent, there are millions of such one person small business* who are hiring others on a contingent basis. But, to say it again, today these firms are not considered employer small businesses and not included in most analyses of the small business sector.


We think this is leading to an undercounting of small businesses and a distorted view of the real impact on job creation and the economy of small businesses, a topic we will continue to explore.


(A version of this article also appears on Small Business Labs.)




Editor's note | We agree with Steve and suggest a good start would be to encourage the adoption of a label other than “non-employee business.” We prefer a term that describes what the individual is, rather than what they are not. Because the term “small business”  has statutory meaning and is a brand favored by consumers, SmallBusiness.com has chosen to use  “one-person small business” in our editorial guidelines.


Also on SmallBusiness.com


Tip for Marketers Targeting Small Business: SMBs Don't Use the Term SMB


Advice | Don't Try to Reason with Unreasonable People



Understanding and handling an unreasonable person is one of greatest challenges a small business owner must face–be it an employee, a customer, a partner, vendor or, you get the idea: it's a long list. According to physician and author Susan Biali M.D., there is a chance a difficult person in your life might not have a full-blown personality disorder; they may have related traits that express themselves from time to time. It still takes a toll on your self-esteem and well-being to be around them.




Various Ways a Person Can Be Unreasonable



  • You can't have a reasonable conversation with them

  • They twist your words or totally confuse you

  • They tell you that you're the one who doesn't know how to communicate

  • They make subtle or overt demeaning comments

  • They say cutting things to you disguised as a “joke”

  • They don't respect boundaries and seem to enjoy encroaching into yours

  • They aren't willing to consider your point of view or listen to your side of things

  • They just stare at you blankly, or laugh, or explode, when you try to explain “how you feel”)

  • They are bullies

  • They are verbal or emotional abusers (ranging from subtle to overt)

  • They are manipulators

  • They are liars

  • They leave you feeling bad, sad, shaky or feeling sick in the pit of your stomach


They are Crazymakers


According to Dr.Biali, there are some people who are able to provoke you into acting crazy or unbalanced. “Crazymakers love making you feel like there's something wrong with you when you do when your behavior across the rest of your life is proof that you're not,” she explains.


How to handle unreasonable people and minimize the damage to yourself, your days, your sanity and your life


1 | Minimize time with them


Keep communications fact-based, using minimal details.


2 | Keep it logical


Don't try to connect with them from an emotional or empathic perspective. Unreasonable people usually don't care, and their response (or lack of it) will often only make you more upset.


3 | Don't drink around them


It will make you more emotionally vulnerable and more likely to do or say something useless that can make you more of a target.


4 | Focus on them in conversation


A way to avoid being the target of demeaning comments, manipulation or having your words twisted is to say as little as possible.


5 |  Give up the dream that they will one day be the person you wish they'd be


There are people in our lives who have moments where they seem to be the parent/partner/spouse/friend you've always felt they could be. et they ultimately always end up hurting or disappointing us significantly. Amazingly, we fall for it and get our hopes up again the next time they treat us nicely or seem to have turned a new leaf. Giving up the hope and fully accepting this person for who they really are can be an unbelievable relief after what is sometimes a lifetime of wishing.


6 | Stay away from topics that get you into trouble


7 | Don't try to get them to see your point of view


They won't and you'll just feel worse for trying


8 | Create a distraction


Focus on playing with a pet if there's one in the vicinity, have the interaction be based around some kind of recreational activity or entertainment


VIA | Psychology Today


 

Smokin' Calendar Features French Firefighters Posing For Charity

This will get you fired up for a cause. 



Some very shirtless firefighters from France got their Zoolander on for Le Calendrier Des Pompiers 2017, or The Calendar of Firefighters 2017, which was shot by French photographer Fred Goudon.





A portion of the project's proceeds will go towards Pompiers Sans Frontières, or Firefighters Without Borders, an international NGO that helps people around the world affected by crises such as natural disasters or armed conflict, according to a Huffington Post translation of the group's website.





We got our hands on some photos from the calendar and after checking them out, we're sure you'll be thanking us. 



This is the second year the project, which made headlines last year for its fiery photos, has been produced. The calendars, which sell for € 19.95, or about $22.45, contain 17 pages of firefighters donning their helmets and gear, doing push-ups and flashing their best smiles, among other scenes. 





Though firefighters may be from France, but the calendars ― thankfully ― ship worldwide. 



If the photos aren't enough for you, you might want to check out some teaser clips of the photo shoots that have been uploaded to YouTube. 



See more photos of the firefighters below. 













To see more of Fred Goudon's work, check out his blog here. 

-- This feed and its contents are the property of The Huffington Post, and use is subject to our terms. It may be used for personal consumption, but may not be distributed on a website.

Monday, September 26, 2016

A Creative Design Idea Keeps This Company's Shipments From Being Crushed

The Amsterdam-based commuter bicycle company VanMoof had a problem. “We struggled to find shipping partners that would give our bikes the same obsessive love and care that we do,” Bex Radford, creative director of the company, wrote on her blog recently. “(But) no matter who was doing the shipping, too many of our bikes arrived looking like they'd been through a metal-munching combine harvester. It was getting expensive for us, and bloody annoying for our customers.”


Despite having popular “brand stores” in Amsterdam, Brooklyn, Taipei and Berlin (along with a distribution network in select bike stores), the company has the goal of selling 90 percent of its bikes online by the year 2020. “Anyone in the e-commerce world will tell you, 'you're only as good as your shipping partner,'” wrote Bex.




Even with great products and an awesome website,

nothing matters if the bike you order arrives crushed.




Earlier this year, the company's co-founder had a “flash of genius,” writes Bex. “Our boxes are about the same size as a (really really reeeaaaaly massive) flatscreen television. Flatscreen televisions always arrive in perfect condition. What if we just printed a flatscreen television on the side of our boxes?”


vanmoof-bikebox


And just like that, the shipping damage to the company's bikes dropped by 70–80%.


The company was hoping to keep their shipping trick secret, but the idea was too clever to stay secret for long. People who received the flatscreen TV bicycle boxes couldn't help but post photos on Instagram and Twitter.


So the secret is out. “Just don't tell FedEx,” begs Bex.


VIA | Subtraction.com | “How Graphic Design Reduced Damages to VanMoof's Shipments” and QZ.com




Photos: VanMoof.com

Thursday, September 22, 2016

How Small Business Owners Differ From Others in Debt, Money & Demographics



Experian, the credit reporting company, has released the findings of a new study that compares 2.5 million random small business owners to similar data of consumers who don't own a business. The results not only provide an interesting comparison to consumers, they offer an interesting comparison to research provided by other sources including the Census Bureau and Small Business Administration.




“Since the health of small business tells the tale of how the overall economy is performing, it is encouraging to see that while small business owners have an exceptional amount of credit available to them and carry a higher debt load, they have done a great job managing their payment obligations and keeping utilization low,” said Pete Bolin, director of consulting and analytics for Experian's Business Information Services.


Portrait Of Male Owner Of Gift Store With Digital Tablet


Credit management and access to credit


(Note: While small business owners are consumers, in these findings, the term “consumer” refers to individuals who don't own a small business. )


721 | The average credit score of a small business owner

673 | The average credit score of a consumer


$56,100 | Average credit limit of a small business owner

$26,900 | Average credit limit of a consumer.


$195,000 |  Average debt load of small business owners

$96,000 | Average debt load of a consumer


$2,032 | Average payment made per month related to debt

$954 | Average payment made per month related to debt


5.9% | Small business owners with  bankcard trades 90+ days beyond terms (during past 24 months)

7% | Consumers with  bankcard trades 90+ days beyond terms



Income and home ownership comparison of small business owners and non-owners


Small business owners are more likely to own a home, have a higher income and be older than non-business-owner consumers


$91,600 | Average household income of small business owners

$70,400 | Average household income of consumers


62% | Percentage of small business owners who own a home

47% | Percentage of consumers who own a home


$192,000 | Average mortgage balance for small business owners

$147,000 | Average mortgage balance for consumers


Demographic comparison of small business owners and non-owners


Casual portrait of a business man using technology in a bright and sunny startup with the team in the background


56 | Average age of a small business owner

51 | Average age of consumers who don't own a small business


68.6% | Percentage of small business owners who have attended some college and beyond

53.5% | Percentage of consumers who have attended some college and beyond


65.6% | Small business owners who are male

31.2% | Small business owners who are female


47% | Consumers who are male

46.4% | Consumers who are female




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