Everything You Need to Know About Taxes

Two of the focuses of my blog are Financial Literacy and Money, and Business and Entrepreneurship. Whether it’s your personal finances or a business venture, understanding taxes is critical. Furthermore, having a tax-strategy can be a critical component to building wealth. The following contributed post is thus entitled; Everything You Need To Know About Taxes.

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As the old saying goes, the only certainties in life are death and paying taxes. All working citizens pay a percentage of their earnings to the government in order to contribute to the functioning of the country. The government spends these taxes on maintaining and improving the country, investing in technology and education, as well as purchasing products that benefit citizens in general. Main areas of expenditure include Major Health Programs (including Medicare and Medicaid), social security, and defense and security for the country as a whole. Tax payments are also used on transport and infrastructure. But it’s not so much how taxes are spent that you need to worry about personally. It’s how much tax you have to pay the government and how to make sure that you cough up the correct amounts on time. So, to help you along the way, here’s everything that you need to know on the subject!

The Importance of Paying Taxes

Besides the importance of paying taxes in regards to keeping the country ticking over, it’s also extremely important that you pay taxes in order to avoid huge fines and potential jail time. Here are some of the potential consequences of paying late or not paying at all.

Late returns – if you file your return late, you will be charged five percent of your unpaid taxes for every month that your tax return is late on top of the total that you owed anyway.

Failure to pay – if you file your return, but fail to pay the amount that you owe, you will be charged a failure-to-pay penalty. This amounts to 0.5 percent of the taxes that you owe per month you fail to pay. You will also begin to accrue interest rates on your unpaid tax.

Making the Process as Simple as Possible

As we have established, it’s extremely important that you not only file your tax assessment on time, but that you also make a payment on time. The percentages that you are charged may sound relatively small, but when you keep in mind the amount that you earn in an entire fiscal year, this sum can become pretty large and it can mount up over the months. But not to worry. There are steps that you can take to seriously simplify your tax paying process. The first step that you can take is to hire an accountant. This individual will take all of your financial information for the tax year and determine exactly how much you owe out in taxes. They may also be able to minimize this figure by deducting any work-related expenses that you may have incurred. Another option is to use tax software yourself. This is specially designed software that will help you to complete your return as quickly and conveniently as possible. If this sounds good to you, take a look at this Professional Tax Software Comparison Chart to determine which software will best suit your needs.

Corporation Taxes

Now, we have dealt with personal taxes, let’s take a moment to focus on corporate taxes. If you own a corporation, you’re going to have to pay corporate tax from your business’ profits. You can generally choose your own tax year, so you choose two dates within the year that you operate within – this makes paying taxes better suited to your professional schedule. If you know you have a particularly busy time of year where you’re run off your feet, you can arrange your fiscal year to guarantee that you won’t be focused on filing returns at this given time. Instead, you can schedule your tax file to fall during a quieter period. It is generally stated that we have the highest corporation tax in the world. While stated levels of tax may well be the highest amongst the world’s major economies, when you factor in deductions and other expenditures, corporation tax isn’t actually all too high.

Paying Corporation Tax

Almost all corporations are expected to pay the full sum of corporation tax that they owe over four set dates. Payments generally tend to be due on the 15th April, 15th June, 15th September, and 15th December. Paying smaller sums throughout the year lightens the load on businesses, rather than implementing the pressure of one huge payment date. It is highly unlikely that you will be granted an extension on this payment date, so make sure that you have the funds ready and waiting to be paid. If you fail to pay the full sum of your corporation taxes, you may find that civil and criminal penalties may be imposed upon you. These tend to be divided into four categories:

● Delinquency penalties
● Accuracy-related penalties
● Information reporting penalties
● Preparer, promotor, and protestor penalties

While most individual and corporate taxes are reliant on a mere self-assessment, many large and mid-sized businesses are monitored by the IRS and tax state authorities. If you are turning over a lot of money, you may find that you undergo regular audits to ensure that you are complying with the law and sticking to tax rules.

Hopefully, this has helped you out with a whole lot of information that you need to keep in mind when it comes to filing both personal tax and corporation tax. These are by no means minor issues, as failing to comply with tax law can see you receive serious fines and perhaps even face legal action. So, make sure that you are always complicit!

Don’t Be A Mad Scientist: Avoid These Stupid Lab Mistakes

“Science is about creating answers, not mistakes, but if in your folly you make any of those stupid lab blunders, then you are going to create both chaos to your experiments and put yourself at risk of accident and injury.”

One of the focuses of my blog is awareness of the Science, Technology, Engineering and Mathematics fields. If you’re in a STEM and are working in a laboratory setting, it’s particularly important for novices to understand how to properly conduct one’s self. The following contributed post is entitled, Don’t Be A Mad Scientist: Avoid These Stupid Lab Mistakes.

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It doesn’t matter which of the basic sciences you are working in; common sense needs to be your number one priority. Science is about creating answers, not mistakes, but if in your folly you make any of those stupid lab blunders, then you are going to create both chaos to your experiments and put yourself at risk of accident and injury. Yikes!

Mistake #1: Mislabeling something

You’re not an idiot; you have trained in your field, so you will know what most things are. But then again, you may have lacked concentration and mislabelled a test tube, or you may not quite know the difference from a certain chemical from another, especially if they look the same. The wrong combination could result in something calamitous, be that a failed experiment, or something far more explosive. Therefore, don’t assume you know what something is without doing some research first, and for goodness sake, concentrate when you’re labelling, for the sake of everybody working with you.

Mistake #2: Not sticking to fire safety protocol

Following proper fire safety protocol is one of the most important things you can do in the lab to stay safe. To that end, you must know the correct protocols and act on them in case of a fire. Indeed, as labs are such specific contexts and the risk of fire is often increased it’s a good idea to find an expert in fire safety and prevention such as Devin Doyle Newport Beach to work with. Such an expert can then provide tailored advice to your particular needs and ensure your fire risk is kept as low as possible.

Mistake #3: Using faulty equipment

You aren’t going to get the desired results if your equipment isn’t up to scratch. Not only can you create a chemical disaster if something is leaking where it shouldn’t be, but you will be forced to start your experiment again if you have used something as simple as an uncalibrated pipette. Always check your equipment beforehand, and if you need to buy something new, or if you need to call on the expertise of someone like this pipette repair service, then do so.

Mistake #4: Wearing your lab coat out of the lab

Who knows what nasty stuff has gathered on your lab coat during your experiments! The last thing you want to do is take that troublesome gook out of the lab and into the cafeteria or the outside world, as you may cause significant harm to another. Remember to wash your coat too, no matter how much you like the pretty colours that have accumulated!

Mistake #5: Not wearing your protective gear

You are dealing with acids, chemicals, and other toxic substances. You are touching them, surrounding yourself with them, and bearing your beady eyes down upon them. We know we shouldn’t have to say this, but we will anyway. Always wear your safety gear! Letting any kind of toxic formula get into your eyes, onto your skin, or into your nasal passageway, could be tantamount to personal disaster. Make it a rule to have what you need to hand as you enter the lab, so you don’t forget to put on what you need to be wearing.

Mistake #6: Having your lunch in the science lab

You may as well be swigging from a test tube! There is a place to eat your lunch, and that’s nowhere near your workbench. In fact, you should be out of the lab and at your designated eating area. You don’t want to poison yourself by letting even the smallest amount of a chemical touch your food, even if you have washed your hands like a good boy after taking off your gloves. And who knows what might happen if you let any of your cheese sandwich fall into your experiment. You could destroy the world! Or, at the very least, your experiment!!

In all things, practice common sense. You might look like a mad scientist, but that doesn’t mean you have to behave like one! Take care if you are in the lab today, and thanks for reading.

Your Credit Report Tells Your Life Story

Two of the focuses of my blog are Financial Literacy and Money. Building and maintaining a strong credit rating can significantly affect one’s financial health and open certain doors and opportunities. The opposite is also true. The following contributed post is thus entitled; Your Credit Report Tells Your Life Story.

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Over 65% of job applicants admit to embellishing the truth on their resumés. LIttle white lies here and there and optimistic descriptions of their tasks can move your profile from being at the bottom of the list to the top on the recruiter’s desk. If there’s one thing that most adults spend a lot of time improving, it’s their professional profile. So it’s surprising that less than half of the population care about their credit score. Indeed, almost 30% don’t know their credit score and don’t really see how it can affect their everyday lives. The most common interaction with the credit score is to check whether or not you are eligible for a specific loan or credit card agreement. Consequently, it appears crucial to draw a parallel with your professional profile. Indeed, in the same way than your resume can influence your career; your credit score can equally affect your financial situation. More importantly, you can manage what your credit score reveals about you.

Credit score breakdown

It’s a number, but it says a lot about finance management
The scale of the score for your credit report goes from 300 to 850 – although you can find specific credit card scoring systems that start at 250 and runs to 900. Ultimately, while it’s fair to say that a number might be meaningless at first, you need to understand what it means. Potential lenders and employers can ask to see your score and make an informed decision to trust you or not based on the data available. Ultimately, a score in the highest part of the scale, 781 to 850 implies you’re responsible with your money. While a score in the lowest range of the scale, 300 to 600 can put lenders and some employers off, as it shows you’re not managing your finances.

Mistakes remain visible for long
Unfortunately, lenders don’t only check your credit score, but your full report. The report is the equivalent of your financial resume. It shows all the major decisions you’ve made and can highlight some of your issues with debts or the law for several years. However, you can clear up your report gradually. If you’re worried about the time it takes to remove judgment from credit report information; you might need to get in touch with a legal expert to find out more. More judgment items are removed after 7 years from the date the lawsuit was filed, but there are exceptions. Additionally, some credit bureaus and creditors might choose not to report or mention all negative items.

People look at your finances, not your social privileges
Ultimately, there is an essential element that your credit score encourages. While a resume can suffer from stereotypes based on the education you’ve received or your race, a credit score is, as you know, only a number. The report might highlight your financial strategy and preferences, but more importantly, it showcases your priorities and the time you invest in finance management. Where discrimination is still present in the workplace, credit reports focuses on facts. Being only a number saves you from unfair preconceptions.

The bottom line, for many newcomers to the finance world, is that your credit report is not an enemy you should fight. It’s an opportunity for self-improvement – when the score is low – and for unbiased achievements. Your credit report might shut some doors but, in the grand scheme of things, it helps you to access opportunities that social, racial and gender discriminations would have made more difficult to reach.

Political Correctedness Can’t Explain Increasing Hate Crimes Away

One of focus of my blog is Current Events. Throughout the history of the United States, there have always been racial tensions and discrimination, sometimes resulting in “Hate Crimes”. Hate Crimes are concern even in 2018. The following contributed post is thus entitled; Political Correctedness Can’t Explain Increasing Hate Crimes Away.

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Hate crime is a word we’ve heard a lot in recent years. While it looked like racial discrimination was at an end with our first black president, things couldn’t have changed more since Trump took the helm. Now, we’re seeing new racial slurs and undeniable hate crimes on a daily basis. It’s shocking, and many would argue that it’s a step backwards.

Of course, the news on this issue can be a little misleading. For one, it’s worth noting that crimes like these started a steady increase while Obama was in the White House. That amount has risen much faster under Trump, but this is by no means a new issue. The only real difference is that many of us are now becoming aware of the problem.

It’s also worth noting that hate crime still accounts for a relatively small portion of crimes across the country. In California, for instance, last year saw a total of 1,093. That may not seem like such a bad number until you consider that’s up 44% since 2014. Figures from across the country paint a similar picture in every major city.

Reasons for this rise seem to vary. A change in general outlook has contributed to more obviously hate-based crimes. Equally, an increase in minority groups seems to have played its part in these outbursts. Whatever the reason, though, this is not, as some believe, a case of ‘political correctness gone mad.’

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This is a statement we often hear, and it’s a worrying one. While there are those out there who want to address issues like these accordingly, others are more willing to turn a blind eye. In a way that’s understanding. The thought such violent crimes could be perpetrated from racial differences alone is shocking. But, denying the severity of crimes like these is a harmful approach.

To prove that this increase is nothing to do with sensitive political correctness, consider the definition of a hate crime. According to USA Today, ‘Hate crimes are considered criminal acts motivated by prejudice based on race, religion, national origin, sexual orientation, gender identity and disability.’ As you can see, definitions like these don’t leave much room for doubt.

Consider, too, that evidence needed to gain a conviction here also leaves little wiggle room. A defense attorney for someone facing charges here will fight against any judge who cannot prove, beyond reasonable doubt, that discrimination was behind a crime. If you want to know more about that, you can read about it here or do your own research on the subject. Either way, anyone would have a hard time arguing the increase here is just political correctness with that in mind.

As tempting as it is to deny the severity of cases like these, doing so contributes to the issue. Instead, we should be working to raise awareness of this growing problem, and ensuring those responsible gain the punishment they deserve. How else can we ensure that every U.S. citizen feels safe on these streets once more?

The Story of How I Earned My STEM Degree as a Minority

“It’s my job to prepare you for wherever you go after you leave my lab. When you go into a company, no one is going to tell you if your presentations and writings are sloppy. You won’t get promoted and you’ll never know why!”

In my post entitled, Who will benefit from Apple’s $350 billion investment?, I cited data stating that less than 10% of Science, Technology, Engineering and Mathematics (STEM) degree holders are African American – a staggering number as these are some of the highest paying careers today. With the first principle of my blog being “Creating Ecosystems of Success”, and one of my focuses being awareness of the STEM careers, I wanted to tell my story.

Thus far I’ve published posts discussing the ‘Biomedical’ sciences I’ve been trained in, ‘Regulatory’ science, the ‘Applied’ sciences, and the ‘Transferrable’ skills learned when earning STEM degrees. In these posts I’ve attempted to make these sciences easily understandable for students and families with backgrounds like my own (see the story of my blog). Potentially the most important story of all though is how one becomes a STEM professional.

I’m a firm believer in teaching the ‘how’. It’s important to encourage participation in the STEMs, but as a student who walked into my training not fully  understanding the opportunity in front of me, I think it’s also important to share what went into earning my STEM degree in a very open and honest way – the good, the bad and the ugly – no fairy tales and no magic. In this post, I’m thus revisiting both my learning points science-wise, and some personal challenges during the process as an African American male coming from Buffalo’s east side. The latter challenges may surprise you.

The majority of the visuals used in this piece are materials from my thesis. Click on any of them to enlarge them. Lastly in this piece I refer to my thesis project without getting into its specifics. I describe it in greater detail in my Basic Sciences and Basic Research post.

Learning how to do Science

I fell in love with “Life Science” in the seventh grade at Campus West in Buffalo, NY. I followed that love into Hutch-Tech High School where I majored in ‘Biotechnology’ (AP Biology). At Johnson C. Smith University (JCSU), I distinguished myself as a ‘A’ student in my core courses as a Biology major which led to my participation in the Ronald E. McNair Program, where I worked two summers in a Hepatic (Liver) Physiology lab.

It was my first time performing ‘Basic’ scientific research (see my Basic Sciences and Research post). I earned an undergraduate fellowship from the Environmental Protection Agency my last two years at JCSU. This precluded my participation in the ‘Minority Access to Research Careers’ (MARC) Program where I would’ve worked on a research project year-round, and would’ve gained more valuable experience.

Having participated in the McNair Program, I decided to pursue a Ph.D. in Pharmacology, thinking that working in a Pharmaceutical company like Pfizer or Merck would provide stable employment. Thus, the sole focus for my science training was finding a job. While a Ph.D. in Pharmacology would help me get there, I didn’t completely understand what the road to a Ph.D. in this particular STEM field entailed, as I didn’t yet know how to do science fulltime.

Rigorous Scientific Research

“Anwar has never done rigorous scientific research before,” my Graduate Advisor, a fellow Western New Yorker, wrote in my evaluation for my second lab rotation within the Department of Pharmacology of the University of Michigan. He gave me an ‘A’ which I was happy about, though based upon his statement, I wasn’t sure how I’d done in the lab. Did I perform adequately over those four months? Did I underperform, but still received an ‘A’ just because? Either way, he allowed me work under him for my thesis project – perhaps seeing some potential in me.

What made me want to stay in his lab? After my summers in the McNair Program, I knew something about the enzyme my Graduate Advisor’s lab worked on; “Neuronal Nitric Oxide Synthase” (see my Basic Sciences and Research post). I was also encouraged by two more senior students in another lab to stay based upon my advisor’s: talent, his productive track record and the productivity of his students.

By the way, in the coming years when prospective students would visit our department, my Graduate Advisor was always very adamant about the prospects getting the current students’ perspectives on the department. I think his reasons were that doctoral research is a significant life and time commitment as you’ll see later, and it’s in a student’s best interest not to walk into a department ‘blind’. Ideally, they should have a feel for the overall climate of their prospective department; its culture, its faculty and whether its students go on to establish their own careers.

The Basic Sciences and Research

The Basic Sciences and Basic Research are worlds all in themselves, worlds I initially didn’t know how to succeed in. Aside from some of my teachers in high school, there were no STEM professionals in my ecosystem in Buffalo. Also, once again, while my summers in the McNair Program gave me a taste of this new adventure I was embarking upon, they didn’t show what the experience would be like fulltime.

What qualities and attributes were needed to earn my Ph.D. in the STEM field I had chosen? One very important quality/value I received from my home ecosystem was that of hard work and the importance of doing quality work. I’ll credit my mother for this and her many years of making us do chores at home, which instilled a sense of personal responsibility and pride in my work. Also, the adversity-filled experience on my high school basketball team taught me how not to quit on things when they got hard – another valuable tool. Lastly, I was always naturally very malleable personality-wise, and open to being taught.

My Dad’s words about excelling in my coursework helped me to get into Graduate School and were useful until the end of my coursework. Once the fulltime research phase began however, it was a whole different ballgame, as working for my Graduate Advisor required a host of other ‘tools’.

I myself was a ‘project’ going into my Graduate Advisor’s lab – one which needed to be built from the ground up. There were plenty of challenging times for both of us as my first two to three years were spent literally just figuring things out. Fortunately, he was willing to teach me as long as I was willing to do the work and be taught. What do I mean by figuring things out? The following is a summary of what I learned as I worked on my thesis project:

Learning to ask Questions, to be Inquisitive and to Talk about Science

I added this learning point in last, but it may be the most important of all. I’ll credit the whole department for teaching me this lesson. One classmate and one professor stand out here. Verbally asking questions is essential to doing science. In my Basic Sciences and Basic Research post, I described how our experiments were questions themselves, but it’s also very important to be able to verbally ask questions of peers about their science both one on one, and in group settings in a respectful way.

During graduate school, I sat in on numerous seminars, and I was initially afraid to ask questions in front of everyone else. Part of it was a fear of sounding foolish. The other part of it was that while I’d excelled in my coursework as an undergraduate, I didn’t regularly talk about science with my classmates at my undergraduate institution. Over time I overcame my fears and got to the point where getting my questions answered superseded everything else.

Seeing and Understanding the Science through my Advisor’s Eyes

“You’re going to have to drive the project!” My biggest learning point was learning to see the science through my Graduate Advisor’s eyes, and not just in terms of obtaining my Ph.D. and finding a job. There was an ‘art’ to science, a thought process, a methodology, a culture and a lifestyle. It took about five years of training to get to the point where I could start see the science the way he saw it, and even talk about my project the way he talked about it.

I needed to understand the science in its entirety and appreciate the process, and all the challenges involved. I needed to approach my research like a professional; to design my experiments systematically and proactively – to think about the limitations of our experiments and the data we generated, to think of the next steps, and to always think about the final published paper.

Doing Science in the Lab Everyday vs. Learning about it in the Classroom

There’s a major difference between learning about science in a classroom setting, and actually doing quality science fulltime. For me that involved being proactive about my work, and being consistent in everything I did experimentally, in my writings and my presentations. Our experiments were questions, the results were the answers, and we needed the answers in a timely fashion. Everything needed to be approached with a sense of urgency, and in a way, time was our enemy. It also involved thinking about the project when outside of the lab – something my Advisor and his peers and competitors did – sometimes at the expense of other things.

I was now out on the edges of science in the ‘trenches’, trying to discover new knowledge. A major part of this involved approaching my thesis project like a job. And in many ways it was, as my peers and I received stipends. It wasn’t a high-paying job in terms of salary, but instead the payment was knowledge and wisdom which would equate to greater financial compensation later.

Graduate Research is in part a Job or an Apprenticeships line one of the Skill Trades

“This is your job now!” My Graduate Advisor and I had this conversation after my completing two years of coursework and starting my thesis project fulltime. I hadn’t made the connection yet that my research involved being in the lab 100% of the time. It required being on time in a job-like setting where I’d work on my project daily at a work bench – sometimes at night and on weekends. The data generated from my project would be published in scientific journals, as well as when my Graduate Advisor sought to renew his own research grants. Finally, it would be the basis for my completed dissertation, in addition to a record of my productivity after eventually leaving his lab.

Learning to Multitask

I had to learn to work smart, and not just hard. My Graduate Advisor instilled in me the ability to multitask and to, “have multiple things going at once,” as he always emphasized. In addition to working on my own project, I was also responsible for growing the stocks of proteins that the entire lab used, which was a huge responsibility. I was also the lab’s “Chemical Safety” officer who was responsible for all the lab’s waste disposal – chemical and radioactive. Multitasking was what he did on a grander scale all year. As a student, it seemed unfair at the time, but it’s a skill that has transcended our lab into other arenas, as with everything he taught us.

Learning to Compete and the Culture of Science

“You have to know where the line is, and then do your best to stay above it,” my Graduate Advisor told me years later after I graduated. Though I didn’t understand it at the time, he was teaching his students how to compete and survive. It’s not widely discussed, but science is about competition, especially in academia where at any given time, multiple labs around the country, and even around the world, are working to make the same scientific breakthrough. It’s an arena where ultimately, the group who makes the finding first gets the fame and notoriety, and future grant funding.

There was such a thing as being ‘scooped’. This is when another lab made the finding first, leaving its competitors to either disprove it, to add something to it, or to work on something else altogether. Because my Advisor was so talented and hungry, it never happened to us, but I saw it happen to some of my peers and their labs. Nothing was guaranteed. Just like he had to fight and claw to keep his lab running, I also had to fight and claw to push my project through to completion. I further had to fight and claw to stay in the department and finish my degree. Science and life are about competition.

“I know that I drove you guys pretty hard,” my Advisor shared with me years after I graduated, which we both smiled about. At times he was very abrasive, aggressive and very demanding of us. It was for a reason though and I realized during my training that working for brilliant and driven people is hard, but if you can stay in the process and take their coaching, you’ll be better off for it later.

Driven by Their Research

My Graduate Advisor attended the Massachusetts Institute of Technology (MIT) as an undergraduate, the University of Michigan for graduate school, and then the National Institutes of Health (NIH) for his own postdoctoral training before becoming a professor at the University of Michigan. We never talked about MIT in my ecosystem in Buffalo, and I just started understanding my Advisor’s pedigree towards the end of my training. His father was a scientist as well, and he thus had exposure to science at an early age, and even earned a couple of patents before starting college. Don’t get me wrong, having parents in the STEMs isn’t a necessity to getting into one of the fields yourself, but the early exposure can pay huge dividends later.

This is a good place to state that my Graduate Advisor, his peers, and scientists at most research universities are driven by their scientific research, and they’re always thinking about it; late at night, and even on family vacations. The argument can be made that their research is their purpose for living. The truly talented ones are further tough enough to withstand any environmental changes such as when the second Bush Administration cut the NIH’s budget, causing many labs around the country to downsize or perish altogether, while others figured out how to survive.

“You all are very different than we were! When I was a graduate student, we fought over the latest issues of the Journal of Pharmacology and Experimental Therapeutics (JPET),” said one of the more senior and celebrated faculty in our department who was jokingly said to have invented the Heart. He felt that we weren’t studying up on our field enough in our spare time beyond our core curricula. Most of us were only doing the minimum reading and studying, something my Graduate Advisor also stayed on me about during my training.

Learning to Manage my Life outside of the Lab so that I could do Science

Learning to manage my life outside of the lab so I could do science

The accompanying newspaper clipping is from one of Buffalo’s local weekly black publications, The Challenger. My mother proudly submitted the story and that’s her handwriting on the top of the clipping. It was a big deal back home and she even shared with me that I’d exceeded her expectations which was very gratifying. When looking at the clipping, it’s something to proud of, but what you don’t see there is that there were a host of personal learning points outside of the lab as well – experiences which could’ve derailed the whole thing.

Being African American and ascending in education and a career often leads to discussions of “forgetting where you came from”. So, I want to close with what I learned about how life outside of the lab can affect one’s ability to do science and be a professional. Sometimes it’s actually necessary to leave certain parts of your old life behind. I learned on numerous occasions during my STEM training that I had to protect both my project and my life. That is, I had to make strategic decisions in my personal life that would increase my chances of finishing my degree and surviving to talk about it.

While working on my thesis I got involved in a very chaotic romantic relationship which compromised my mind, spirit and overall well-being at times; nearly derailing my project and potentially adversely affecting my Graduate Advisor’s entire lab all at the same time. There was one day I consider a near death experience – something I’ve discussed with friends and relatives only in bits and pieces. Fortunately, I survived, but this type of thing wasn’t restricted to my significant other.

There were two instances involving two close friends whom I consider my second and third brothers. One incident transpired over a Thanksgiving holiday and the other a Christmas holiday – both of which involved nearly getting pulled into violent confrontations late at night at nightclubs and parties in my hometown of Buffalo, NY. One friend had too much to drink and in the process of having his own fun, inadvertently splashed another guy with his beer. The guy who got splashed was unhappy about it and started following us around the venue. While I thought bullets might fly, my friend got away with just getting punched and knocked out temporarily. Fortunately, we both made it home safely.

In the second incident, another buddy wanted to stay and confront some guys over a female outside of a nightclub. Apparently, he was looking at the guy’s lady and there was an initial confrontation I didn’t see inside the venue. My friend didn’t want to appear afraid and wanted us to take our time leaving. When I realized what was going on, I wanted to leave immediately – something he and I clashed over afterwards. Fortunately again, nothing happened, and we got out of there safely.

Neither of these incidents were worth the potential price to be paid. Neither my significant other, or either of my friends considered the possibility of my showing up to the lab in a cast, with a black eye, or with teeth missing, or maybe being laid up in a hospital, unable to continue my research. The take home message from all of this is that you must be your own best advocate in life. None of us can avoid tragedies, but there are some things we can avoid.

You must protect what you’re doing, sometimes from people around you in your family circle, friends or significant others, because someone else’s selfishness and bad decisions can hinder your life and professional aspirations. In my case it was earning my STEM degree and starting my career.

Closing Thoughts

“Give a man fish and you’ll feed him for a day. Teach a man to fish and you feed him for a lifetime.”

I included this famous quote from the Chinese Philosopher Lao Tzu because the road to my STEM degree was literally like learning how to fish. The opening quote from this piece is from one of my many talks with my Graduate Advisor. In some ways our relationship evolved into that of a father and a son which I’m very, very grateful for as not every student had this. I saw several peers leave partway through their graduate training without their doctorates either due to a loss of hope, or irreconcilable differences with their advisors. Some were African American, but not all were.

This is my STEM story and there are many others out there. I want to point out that the point of telling this story was not for my glorification. As I said in the opening, I think it’s critical to explain all sides of the process in addition to simply encouraging students to get involved in the STEMs solely because of our under-representation as African Americans, and because of the monetary benefit. The how is very, very important. If you’re a STEM professional, I encourage you to also tell your story to STEM-hopefuls in an age-appropriate way.

I’d like to end this story by acknowledging the late Dr. Minor J. Coon.  Dr. Coon was not only a member of my Thesis Committee (on the program above), but he was also a legend and a pioneer the in the study of Phase I Drug Metabolizing Enzymes – Cytochrome P450s particularly.  Dr. Coon actually trained my Graduate Advisor who subsequently suggested asking Dr. Coon to be on my committee – something that surprised me as we all looked upon him with great reverence.  Growing up on Buffalo’s east side, I never dreamt of being a part of such a well accomplished tree of scientists.

Thank you for taking the time to read this blog post. If you enjoyed this post you may also enjoy:

A look at STEM: What are the Basic Sciences and Basic Research?
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The Big Words LLC Newsletter

For the next phase of my writing journey, I’m starting a monthly newsletter for my writing and video content creation company, the Big Words LLC. In it, I plan to share inspirational words, pieces from this blog and my first blog, and select videos from my four YouTube channels. Finally, I will share updates for my book project The Engineers: A Western New York Basketball Story. Your personal information and privacy will be protected. Click this link and register using the sign-up button at the bottom of the announcement. If there is some issue signing up using the link provided, you can also email me at bwllcnl@gmail.com . Best Regards.

Running a Successful Non-Profit Organization

Two of the principles of my blog are Creating Ecosystems of Success and Long-Term Thought. When starting a nonprofit organization, there are certain key steps and considerations to be mindful of. The following contributed post is thus entitled; Running a Successful Non-Profit Organization.

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If you are someone that loves to champion the things and causes that you are passionate about, then founding a nonprofit organization can be a great way to help and contribute. In order for it to do well, though, you need to make sure that it is adhering to a few guidelines, as well as running efficiently so that the goals that you have for it can be achieved. Here are some steps to help you to make that all happen; is there anything else that you would add to the list?

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Clear Vision and Mission Statement

If you haven’t got a clear vision as a nonprofit, then you won’t have a clear focus of what you are trying to achieve. So before you start out, you need to have a clear vision of what you want to do. From there you can make plans and then work the plan that you have set. It can simply be a to-do style list of all that you want to achieve, and then you can have a focus and make plans of what you will do and when, as well as the measures so that you can check how things are going.

Work Backwards

Along similar lines, it is a really good idea if you can work backwards from what you are trying to achieve. If you set your goal, then you might struggle to know where to start with it. So instead, work backwards from the goal to see what steps you need to get there. In simple terms, it helps you to make sure that you get there, rather than having to start over and over.

Tech and Programs Can Help

While your nonprofit is going to reinvest the money that it generates, you can also put some of that back into what you are doing, so that it is made easier and easier. There is so much tech out there that could help to streamline processes, as well as help you to achieve your goals. There are systems and solutions in place like eBECS that can be used to benefit your nonprofit too. They can help to improve membership management, give easier access to data, and automate processes so that expenses can be reduced.

Be a Leader

Being a leader of a team can be a skill that is hard to learn, as it is more than just being in charge. You need to make sure that you are delegating your time evenly, as well as doing the jobs that will best highlight or showcase your skills. When you’re the one in charge it can be tempting to just take on the tasks that you enjoy or are more fun. But as a leader, you need to make sure that you are taking on a variety of tasks, as well as sharing the vision of the organization with your team.

No matter how many hours you are working, work should be an enjoyable place to be. Smile, work hard, and have fun as you see your dreams and goals being achieved.

Mean Streets: Protecting Yourself While Out & About

Two of the focuses of my blog are Athletics and Sports, and Health and Wellness. While the martial arts are competitive sports, they also help personal wellness, both physically and mentally. In some instances, it’s very valuable to know how to handle oneself in the streets should danger arise. The following contributed post is thus entitled; Mean Streets: Protecting Yourself While Out & About.

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While it isn’t exactly fair, a lot of people don’t feel safe when they are walking around in their home cities and neighborhoods. With violent crime on the rise in a lot of places, along with populations getting much greater, it makes sense that you might want to figure out some ways to keep yourself protected. Of course, though, handling this sort of process correctly can be incredibly hard. To help you out, this post will be exploring some of the best ways to protect yourself on the mean streets, while also making sure that you don’t break the law in the process.

Self-Defense: A lot of people think that carrying a weapon is the best way to keep on top of their need for self-defense. In reality, though, most weapons which can be effective are illegal to carry around without cause, and they can easily be turned against you if you make a mistake while using them. To overcome this issue, learning how to protect yourself by using your body can be a great route to take. Martial arts are great for this, as they will give you the chance to learn how to fight properly, while also keeping your fit and avoiding any risk of hurting someone too much. Options like Judo are perfect when you’re first starting out.

Situational Awareness: Being aware of what is going on around you is another good idea when you’re trying to protect yourself. A lot of people ignore the things around them, choosing to remain oblivious to the risks around them. This goes much further than gangs of youths and other scary people, though, with things like cars posing a big threat, too. Thankfully, to help with this, there are loads of courses out there which can be taken to help you to become more aware of your surroundings. A big part of self-defense is avoiding a fight in the first place.

Legal Support: Finally, as the last area to consider, it’s time to think about what you need to do if you ever find your protection failing, and need to take action against someone who has hurt you. Criminal justice, personal injury, and pedestrian accident attorneys can be found all over the world. Professionals like this will be able to fight on your behalf if you ever find yourself in need of legal support. To find the best options in your area, it will be worth reading some reviews, as different lawyers will have different levels of success in the areas which they work.

Hopefully, this post will inspire you to start working harder on the time you put into protecting yourself in the modern world. It’s a shame that people have to take this sort of action to feel safe, but this doesn’t mean that it isn’t worth doing. In time, places slowly get more and more peaceful, especially when political discord settles down. This means that it may only be a matter of years until you are able to confidently go about your business without these precautions in place.

This Is How To Choose Business Software

Two key focuses of my blog are Business and Entrepreneurship, and Technology. A critical aspect to successfully running a business today is choosing the right software for your purposes. The following contributed post is thus entitled; This Is How To Choose Business Software.

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Getting the right software for your business can change your operations completely. You could be more productive and efficient when you have the best tools for your business. Unfortunately, finding the apps that work for you isn’t as easy as you might like it to be. There are lots of things to consider, from the features that the software offers to how much you’ll be paying. You need to think about what you need new software for, and how it’s going to benefit your business. It can be a long process, but it’s best not to rush it if you want to make the best decision.

Identify Your Needs

Before you can find the right apps for your business, you need to identify your requirements. What do you want the software to help you with? You might have a specific need, like a tool to help with accounting. However, you could have a more open goal, such as improving productivity for your company. It’s best if you can be as specific as possible by identifying the problems that you want to solve. This will help you to search for the best software to meet your needs. You can compare software types and features against your requirements.

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Research Solutions

Once you know what your needs are, you can start researching a few different solutions. You won’t necessarily be looking at specific tools just yet. You just need to see what sort of apps are available to meet your needs. For example, if you need something to make invoices more manageable, you might be looking at accounting tools, document management software or perhaps productivity tools. You can find a few different options that could potentially help you with your issue. Start looking at prices too so that you can get an idea of how much you might need to spend.

Create a Software Budget

Once you’ve started looking at possible options and prices, you should create a budget for how much you want to spend. Many apps are now subscription-based, which can help you to save money compared to more traditional software options. You can find you’ll pay a monthly amount based on features and the number of users who will using the app. While you can find cheaper options, make sure you’re not trying too hard to save money. It’s worth investing a bit more in the apps you choose to make sure you get the features that you need.

Choose Software for Your Industry

It’s a good idea to see if there are any software options that are tailored to your industry. If there are, they’re likely to have plenty of features specific to your needs. Some industries in particular can benefit from this, like the hospitality industry. Using custom hotel software will allow you to manage bookings, maintenance and many other things involved in running a hotel. Ecommerce software can help you to manage your sales and orders, as well as your warehouse or inventory. These apps can help you meet a huge number of needs that your business might have, all in one package.

Find Apps You Can Customize

Even though you can find lots of tools that meet your needs, you can make them even better if you’re able to customize them. Plenty of software solutions can be customized, and it doesn’t have to be too expensive. You can work with someone who will help to develop an app just for you so that it meets all of your needs. It also helps you make sure that you’re not wasting money on features that you don’t need and won’t use.

Look for Apps You Can Integrate

If you already have some useful tools that you don’t want to stop using or you’re looking for some a selection of different tools, make sure you can integrate the new apps that you choose. Integration will allow you to connect all of your favorite apps so they can work together. For example, you might have an inventory management tool that works together with your accounting software. Many software providers have an API that make it easy to connect different tools so you can continue to use existing ones that work for you.

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Speak to Your Team

When you introduce new tools to your business, you need to make sure that the people who will be using them are happy with your choice. You should talk to your employees to get their opinion and find out what their needs are. What are the problems that they most want to be solved? What frustrations do they come up against when using software? You should think about what training might be available too. Are there existing training programs or perhaps even trainers provided by the software service?

Start with a Shortlist

Now that you’re a bit more familiar with your options and what you need, you can start making a shortlist of potential tools to use. Make a note of some of the possibilities that you’re considering and how they could help you, as well as how much they cost. You should have a good idea of what sort of tools you’re looking for, and what problems they’ll be solving. Try to keep your shortlist to a maximum of five options so you don’t have to compare too many.

Evaluate Available Features

With your shortlist at hand, you can start comparing the available features to see which tools are going to meet your needs. In addition to looking at which functions you have, you might want to look at things such as customer service and support, as well as the price. If you choose a SaaS (software as a service) solution, you can get everything that you need in one package, including the help and support you require. Don’t forget to check testimonials and reviews too, so you can see what other people have thought of the tools and service.

There’s lots to consider to get the right software for your business. Choose carefully if you want to use your time and money wisely.

Exploring The Key Issues With “The Cloud”

Two key focuses of my blog is Science, Technology, Engineering and Mathematics (STEM), and Business and Entrepreneurship. Many businesses and organizations are moving towards cloud-based storage systems for increased efficiency of operations, but what are the issues with this new technology? The following contributed post is thus entitled; Exploring The Key Issues With “The Cloud”.

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Over the last few years, a lot of companies have been touting their cloud data services. Offering the chance to have all of your work, emails, and other important information stored on servers across the world, these businesses promise to be able to make it much easier to access and use these important parts of your work. Of course, though, like any new technology, the cloud isn’t all fun and games, and there are some serious issues with some of the services which can be found out there. To help you to see these problems, this post will be exploring some of the most prominent.

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Getting There: Data migrations are a notoriously challenging part of enterprise computing. Moving all of your on-premises information to servers isn’t an easy process, and most people will need the help of a cloud migration solutions company to help them. While this makes it much easier to get information where it needs to go, it will also cost some money, and this is rarely factored into the quotes which will be given out when you are approached by a cloud service.

Downtime: While a lot of work has been done to make sure that the servers hosting your data are able to run all the time, with plenty of redundant power and storage space, along with multiple networks in case one fails, a cloud company can’t control your internet connection. If you find yourself without this for a day or two, you could be left completely unable to do your work. These issues often come by surprise, making it impossible to save the data you’ll need as a precaution.

Security: Along with keeping servers running all the time, most cloud companies invest a small fortune into their cyber security. You will probably be accessing your data wirelessly at some stage, though, and this puts everything at risk. Of course, data breaches have become commonplace in the modern world, too. If this were your business’s information, you could be left to deal with some very unhappy clients or customers as a result.

Training: Finally, as the last area to consider, not a lot of people feel confident to use systems like this. When you have everything online, the process of accessing data can be a lot more complicated than what users are experienced with. This means having to train any employees you have to make sure that they can use the cloud securely and without wasting any time. There are loads of companies out there which can provide this to you, but it is something a lot of businesses would rather not have to pay for.

With all of this in mind, you should have the chance to think a little more deeply about the choice you have to make when it comes from moving from your own servers to the cloud. Of course, it isn’t all bad, the benefits it can provide can be huge, but it might not quite be the right time to make the switch if you’re worried about it.

Invest In Crypto The Right Way

Three focuses of my blog are Financial Literacy and Money, Business/Entrepreneurship and STEM (Science, Technology, Engineering and Mathematics) . Cryptocurrencies are a new technology that are impacting global markets in terms of conducting business transactions and serving as investments themselves. The following contributed post is thus entitled, Invest In Crypto The Right Way.

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If you are keen to make whatever money you can in whatever way you can, you’re probably thinking about cryptocurrency at least some of the time. This relatively new kind of currency is all the rage at the moment, and as such it has been developing something of a spike in many of its markets as well. The truth is that if you want to get in crypto trading, now is a good time to start – or at least a better time than next week or next year. But you need to know what you are doing first to make sure that you are actually going to get it right, and that is what we are going to look at today. Here are some of the things you should consider if you are to invest in cryptos in the right way.

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Choose Your Wallet

First of all, you will want to think about getting hold of a wallet which you can store your crypto coin in. A lot of newcomers find this part of the process particularly bewildering, but the truth is that it is not that hard to wrap your head around once you get going with it. There are a few different kinds of wallets, but the most secure ones are those which allow you to use two-factor authentication to gain access to them. By utilising and making the most of this kind of security, you can be sure that your wallet is going to be perfectly safe, which will help if you have any anxiety about getting started with the crypto world. Then it’s just a matter of choosing a wallet that seems good for you personally. It’s a good idea to go for one that gains you interest for BTC, so that you can make even more of your coin.

Buy Your Coin

Then you will need to go out and buy the coin that you want to buy. There are now several ways to do this. The best and safest is to go and find a crypto ATM, which are now cropping up in many major cities around the globe. With these machines, you merely purchase crypto with cash or card as you would anything else, and have the coin deposited into your wallet straight away – owing to the usual checks. Or you can consider using an online exchange which set you up with someone who you buy from via bank transfer. In either case, you can be sure that these are two of the safest ways to get hold of your crypto coin.

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Get Trading

In order to really make the most of your crypto, you need to make sure that you are trading it in the right way. The easiest way to do this is to use an approved app which does the actual trading for you, as this way you can be sure that you are going to be able to get it right. Or you can do the research, and make those decisions yourself – which can be less safe, but is much more satisfying when you get it right.