article on selftrust key to success?

Answer 1

An article on self reliance key to success :
For the rich, poor and middle class alike, the five sweeping trends we identify here--in education, jobs, taxes, savings and retirement--will determine who will get ahead and who will fall behind in the on-your-own America that's taking shape today.

TECHNICAL SKILLS WILL GIVE YOU AN EDGE.

Many Americans don't realize that most of today's fastest-growing, best-paying occupations demand degrees in technical fields, such as computer science, engineering, medicine and nursing. The National Association of Colleges and Employers' survey of starting salaries for newly minted bachelor's degree holders tells the story: Chemical engineers command $39,863 on average, while English majors get only $22,520.

Though post-secondary education is the route to becoming a have rather than a have-not in the new America, a bachelor's or advanced degree isn't the only ticket. Those who train at two-year community colleges or technical institutes to become dental hygienists, nuclear medicine technicians and respiratory therapists also stand to prosper. Says Labor Secretary Robert Reich: "Technical jobs will be the new gateway to the middle class."

JOB SECURITY WILL COME FROM HITTING THE BOOKS.

As the economy shifts from mass production for mass markets to customized outputs for highly segmented markets, companies will regularly shed workers with yesterday's abilities and add employees with tomorrow's talents. That means to keep your job, you must constantly update your skills to meet ever-evolving demands. Continually expanding your knowledge base also will make you more marketable should you lose your job and have to start over. Says Alvin Toffler, who is Speaker of the House Newt Gingrich's favorite futurist: "You don't have to be a C.P.A., for example, but picking up some basic accounting might help you run a little business someday."

YOU WILL PAY MORE TAX AND GET EVEN LESS BACK.

The House Republicans' expansive promise to deliver $189 billion worth of tax cuts is wasted on most Americans: A mere 5% of the 1,416 people we polled said that trimming taxes should be the nation's top economic priority, compared with an overwhelming 61% who thought balancing the budget or cutting the deficit should come before anything else.

Budget constraints will ultimately temper Congress' generosity, so don't bank on a $500-per-child tax credit or a reduction in the marriage penalty that costs a typical two-career couple earning $100,000 an additional $1,326 a year in taxes. Budget cuts, on the other hand, are a fait accompli, with the biggest chunk likely to come from reducing federal aid to the states for welfare programs. The probable result, says Steven Gold, director of the Center for the Study of the States, is that states will raise taxes somewhat but not enough to make up for the federal cutbacks. With less money coming in from Washington, Gold predicts that states will trim aid to local governments, thereby triggering property tax increases along with reductions in services. (To learn how the tax game is unfolding in New Jersey, see In Your Interest on page 10.)

YOU WILL FINALLY GET REWARDED FOR SAVING.

With the national savings rate rising but only to an anemic 4.6%, the powers that be in Washington are increasingly receptive to tax breaks that discourage consumption and reward savings and investment. That sentiment may produce a small capital-gains tax reduction. House Republicans may also succeed in converting Individual Retirement Accounts into American Dream Savings Accounts. Such accounts would allow you to withdraw your savings and earnings tax-free after just five years to buy your first home or cover college or medical bills. The idea may fly because contributions to such accounts wouldn't be tax deductible and therefore wouldn't reduce tax revenues to the Treasury for the next five years.

YOU WILL BE ON YOUR OWN WHEN YOU RETIRE.

Few Congresspeople, let alone President Clinton, even dare whisper that Social Security benefits may have to be trimmed soon. The topic is potentially explosive: As the 77.5 million baby boomers age, politicians will have to raise payroll taxes even more than today's onerous 15.3%, bump up the retirement age beyond 67 after 2003, freeze cost-of-living increases--or do all of the above--to keep the system from crashing by 2029. However, the $176 billion-a-year Medicare program that's on course to go bust within the next six years is ripe for cutting right now. That means seniors should get ready to shop for an HMO or another managed-care provider. And that's not all. AARP legislative director John Rother says: "Inevitably, Medicare premiums, co-payments and deductibles will all increase."

Taken together, these five trends will force us all to make the most of our personal resources to prosper in the future. In the following three stories, we analyze what these megatrends will mean to the great bulk of Americans who make up the hard-toiling middle class, to the beleaguered 15% who fall below the poverty line and to the privileged 6% who earn more than $100,000 a year. Also, for the 3,100 of you who sent us your questions and suggestions for President Clinton over the past several months, we have his firsthand responses to your top questions in an exclusive Oval Office interview. And, finally, we offer an impassioned editorial by the president of the Child Care Action Campaign, who warns us all against allowing well-meaning self-reliance to devolve into selfishness that punishes those least capable of helping themselves.

Neither the President nor the Congress have all the answers, of course. More than ever before you will have to find your own way to a better future. This special report, therefore, presents the challenges--as well as the opportunities-that individual Americans like yourself will need to grapple with in order to prosper in this new age of self-reliance.

Answer 2

Self-esteem is perhaps more appropriate and essential to one's success!

Answer 3

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