Over35andup

Generic AI  Illustration of  a payday loan store.  Looking to earn money online? You can take all week to explore how to make cash from home, freelancing , surveys, content creation , and digital side hustles . But also, there are quick, short-term loan apps —that when utilized honestly and responsibly—can solve temporarily tight budget crises. Payday loan apps offer quick cash advances before your next paycheck, helping cover emergencies. While convenient, they often include high fees or interest, so borrowing responsibly is essential to avoid debt cycles. Brigit and Albert are the names of popular financial technology (fintech) apps designed to help users manage short-term cash flow issues, primarily through cash advances (small, interest-free loans repaid from future paychecks).  Both apps are for people with tight budgets, offering tools to avoid overdraft fees or payday loans . Below, I’ll break down what each does based on their core features as of 2025. ...

  Link to a show episode  I’m producing a podcast series highlighting the voices of laid-off Black federal employees — your challenges, triumphs, and what’s next. If you’d like to share your story, please follow the link to use this form:   https://forms.gle/TUNyF3eaJxbPvRgF9 Why Blacks? Ask the Heritage Foundation ! Here’s the link to  Project 2025  (also known as the “2025 Presidential Transition Project”): PDF hosted by The Heritage Foundation — Mandate for Leadership: The Conservative Promise   Let's gather ourselves together. Here are some ways how: 💼  Professional & Advocacy Networks Blacks in Government ( BIG ) – a national nonprofit supporting Black federal, state, and local employees. They often spotlight members’ career experiences. You can contact local chapters or post a request to speak with former federal employees. Website:  bignet.org National Urban League  – through their workforce development or employment empowerment p...

DMAIC Six Sigma , a data-driven methodology for process improvement, has revolutionized businesses worldwide since its inception at Motorola . By minimizing defects and variability, it delivers substantial financial and operational benefits.  Pioneered by Motorola with a remarkable 94% defect reduction in core processes, Six Sigma gained global prominence through General Electric ’s (GE) implementation under CEO Jack Welch , yielding over $2 billion in annual benefits by 1999. This established it as a benchmark for excellence. At 3M , Six Sigma extended beyond manufacturing to environmental sustainability. Training over 55,000 employees across all belt levels prevented 2.6 million pounds of pollutants and saved more than $1 billion. Remarkably, they achieved a 61% reduction in volatile air emissions, surpassing their 25% goal, proving its applicability to green initiatives.   An illustration of the 8 wastes in Lean Six Sigma , highlighting 3M’s approach to efficiency and su...