These Cities Cost Student Loan Borrowers Most

These Cities Cost Student Loan Borrowers Most

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These Cities Cost Student Loan Borrowers MostStudent debt is one of our country’s most pressing problems. As of this year, the total amount of student loan debt has reached $1.44 trillion. Paying back the average $37,000-plus loan will be a challenge for millions of students for decades to come. And for some more than others. This means that loan borrowers will have to focus less on investing and more on repayment, less on contributing to the economy and more on simply balancing budgets.

To be responsible and to flourish do not always coincide. Larger cities with higher housing costs will drain more income from a person than smaller towns, while yet offering unique opportunities and venues that attract younger crowds. It’s a classic catch-22. More, perhaps higher-paying, jobs are in the cities, and so are, quite likely, friends and opportunities. Should a young person, with their whole life ahead of them, forgo the city to repay steep student debt, while in the long-term stifling their social life and career?

Credible.com has helped us answer this question in some form: by compiling a list of “Cities where student loan borrowers struggle with debt the most.” Maybe the answer isn’t to forsake the city in general, but only certain cities that have the unfortunate characteristic of demanding higher housing costs without proportionately offering higher wages.

To compile their list, the team at Credible reviewed data submitted by 8,981 applicants from America’s 23 largest cities. The city that makes it most difficult to repay a student loan is San Jose, California, seizing on average 31.47% of a person’s monthly income in housing and student loan costs. This percentage doesn’t include other expenses like food, transportation, or taxes.  What might come as a surprise to many, Dallas, Texas, ranked least expensive among the top 23 cities, nabbing 26.24% of income.

The full list may be found here. Perhaps the question isn’t whether to move to a city, but in which city one might sustainably live. As student loans are one of the few forms of debt that are essentially impossible to dissolve by bankruptcy, they are here to stay. The road that leads directly to a good life, debt free, full of friends and possibilities, isn’t clear to student loan borrowers at this point. However, thanks to the new study by Credible.com, it’s easier to discern which steps one may take to begin the journey.

FORBES SportsMoney Index: Ranking Money in Sports

FORBES SportsMoney Index: Ranking Money in Sports

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FORBES SportsMoney Index: Ranking Money in SportsHave you ever wondered who the highest paid athletes in all of sports are? Or the most valuable teams? The most influential brands? To answer these pressing questions of our time, Forbes compiled a unique index to track and rank money in sports.

Forbes describes the new index: “To create the SMI, we’ve combined all of FORBES’ SportsMoney annual valuations lists (sports teams, brands, athletes, agencies) and proprietary financial data into a single ranking that reflects their monetary success and how their values affect one another. This is the first time that a cross-category ranking of sports business influence has ever been compiled.”

The main factor that makes FORBES SportsMoney Index uniquely comprehensive is its mapping of all connections between brands, agencies, athletes, and teams. This is how the aforementioned cross-category ranking is determined. As a result, the financial world may now study how wealth is truly generated and established in the domain of sports.

Admittedly, for us the benefit is a bit less academic, though nonetheless interesting. When it comes to sports, comparing statistics is one of the most satisfying activities of speculation. Below you’ll find the top 3 brands in sports and the top 3 teams and athletes in soccer, basketball, baseball, and football. And for the fans of other sports, below the top 3 we’ve included the most valuable athletes and teams of every other sport ranked in the order they appear. We have not included the number of connections to other brands each brand, team, or athlete has. For that, and more, view Forbes’ fantastic, complete list here.

Top 3 Brands:

1 (#1) Nike

SMI Connections 9 Value: 27.5 B Revenue: $30 B

2 (#4) Pepsi

SMI Connections 4 Value: 19.4B Revenue: 11.8B

3 (#13) Budweiser

SMI Connections 14 Value: 23.4B Revenue: 10.9B

Top 3 Teams:

1 (#2)Real Madrid (Soccer)

Value: 3.6 B

Revenue: 694 B

Operating Income: 162 M

2 (#3) Barcelona (Soccer)

Value: 3.5 B

Revenue: 675 M

Operating Income: 108M

3 (#6) NYY (Baseball)

Value: 3.4B

Revenue: 516M

Operating Income: 13M

 

Top Teams in Other Sports:

(#10) New York Giants (Football)

Value: 3.1B

Revenue: 444M

Operating Income: 133M

(#11) New York Knicks (Basketball)

Value: 3B

Revenue: 307M

Operating Income: 109M

(#115) Chicago Blackhawks (Hockey)

Value: 925M

Revenue: 173M

Operating Income: 34.4M

(#144) Ferrari (Auto Racing)

Value: 1.3B

Revenue: 455 M

Operating Income: 7M

Top 3 Athletes:

1 (#5) LeBron James (Basketball Cavaliers)

 

LeBron James is the only top ranked athlete in the index that doesn’t play for one of the top 3 most valuable teams. The Cavs are the 5th most valuable team in basketball and sit as the 38th most valuable team in all of sports.

Just the 3rd player in NBA history to make at least $30 million in salary (joins Jordan and Bryant) Added Intel and Verizon last year, joining Nike, Coca-Cola (Sprite), Beats By Dre, and Kia Motor.

Total Earnings: 86 M

Endorsements: 55 M

Salary: 31 M

2 (#7) Cristiano Ronaldo (Soccer Real Madrid)

Worlds most popular athlete (200 Million social media followers) Nike, Tag Heuer, Sacoor Brothers suits, and Monster Headphones endorsements. 3-time FIFA best player in the world, made at least 50 goals in over six seasons in a row for Real Madrid.

Total Earnings: 88M

Endorsements: 32M

Salary 55M

3 (#9) Lionel Messi (Soccer Barcelona)

Won FIFA’s play of the year award 5 times.

Total Earnings: 81.4M

Endorsements: 28M

Salaray: 53.4M

Top Athletes in Other Sports:

(#19) Eli Manning (Football Giants)

Total Earnings: 45M

Endorsements: 8M

Salary: 37M

(#58) Jacoby Ellsbury (Baseball NYY)

Total Earnings 21.8 M

Endorsements: 600K

Salary: 21.2 M

(#73) Jordan Spieth (Golf)

Total Earnings: 52.8M

Endorsements: 32M

Salary: 20.8M

(#87) Roger Federer (Tennis)

Total Earnings: 67.8M

Endorsements: 60M

Salary: 7.8M

(#126) Denny Hammlin (Auto Racing – Nascar)

Total Earnings: 15.2M

Endorsements: 1.8M

Salary: 13.4M

(#134) Alex Ovechkin (Hockey )

Total Earnings: 12M

Endorsements: 3M

Salary: 10M

#191 Floyd Mayweather (Boxing)

Total Earngings: 44M

Endorsements: 12M

Salary: 32M

 

Why Smart People Rent--On the Benefits of Renting

Why Smart People Rent: On the Benefits of Renting

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Why Smart People Rent--On the Benefits of RentingTrying to decide between renting or buying a home? Of course, buying a home gives the stability of a mortgage. And renting a house or apartment allows for tremendous flexibility of location. But there must be more, right? Is flexibility the only reason to rent?

The Khan Academy has published a video on the difference, mathematically, between renting and buying. They challenge the notion that “buying is always better than renting.” Many people have also challenged the claim. If you haven’t heard, renting is on the up-and-up. According to Appfolio.Com, “2 million new renter-occupied households were added in 2014, while the number of owner-occupied households decreased by more than 350,000.”

Amenities are an often overlooked but important aspect of renting a unit in an apartment complex. If you buy a house, not many conveniences are included. Gyms typically require a $30-$50 per month membership plan. You may have to drive to a far location to play tennis or basketball, or to swim. And, almost certainly, your home will not come with a playground. Imagine all these expenses as monthly fees in addition to your mortgage. However, many apartment complexes include such amenities and more.

Many pro-and-con lists are created for this type of decision. Realtor.Com has a convincing video for the pros of renting. For example, if you rent, you may have access to amenities that, as a homeowner, would not typically be within your reach. Similarly, renters often do not make home repairs. Rather, property managers and landlords take care of them. Many apartment complexes have onsite maintenance and even 24/7 emergency maintenance. Everyday maintenance issues are taken care of by property owners or landlords. Furthermore, you may wake up to an upgraded wifi network, new central air unit, or a newly carpeted hallway.

What renters lack in ownership they gain in freedom. If you don’t like your neighborhood, feel an itch to move, or want to explore the world, renting is a good option for flexible people. Leases aren’t mortgages. With renting, you aren’t locked in for 30 years.

The decision to rent or buy is one of the more important decisions you’ll have to make. The worst thing to do would be to listen to cliches. As we have seen, renting isn’t just for people who want flexible living arrangements. There are reasons to rent long-term.  It is not accidental that rental properties are thriving: the numbers don’t lie.

Renting has many appeals, from communal living to practically maintenance-free living. And renters don’t need to acquire realtors. Many apartment complexes now have their own websites. Utilizing the tool ApartmentsForUs.Com proves that finding the perfect apartment in this day and age is a breeze thanks to the rise of digital marketing.

woman and child cleaning

Conquer the Toxic Dust Hidden in Your Home

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Conquer the Toxic Dust Hidden in Your HomeMany of us don’t need a substantial push to swap harmful cleaning chemicals for less intrusive alternatives. Who likes dry, bleach-stained calloused hands anyway? As the dangers of indoor dust are well known, it’s becoming apparent the invisible, long term effects of our daily cleaning habits, and lack thereof, can amount to terrifying heights of harm. A recent study that “…analysed 26 peer-reviewed papers, as well as one unpublished dataset, from 1999 onwards to examine the chemical make-up of indoor dust…” found nearly 90% of dust samples contained particles linked to cancer and infertility, as reported by The Guardian. These findings were due in no part to small sample size: “The studies covered a wide range of indoor environments, from homes to schools and gymnasiums across 14 states.”

With the satisfactory appearance of Clorox’s clean glaze over countertops and the refreshing scent of Febreze floating like a lazy cloud from one room to the next, just when our homes seem cleanest, we may actually be most vulnerable. Altering what you buy, from harsh chemical cleaners to safer alternatives, isn’t the only thing you can do to curb indoor pollution, and doesn’t account for much of the problem. Your clean home houses hidden hazards.

The problem of indoor pollutants may appear at first glance counterintuitive. How could vanquishing bacteria, viruses, and who-knows-what-else from dirty floors and countertops, bathrooms and kitchens, ultimately harm us? Your everyday cleaners aren’t particularly handy for the real problem. The issue is that some chemicals in our couches and mattresses, our vinyl flooring and carpeting, contain flame retardants, known to cause cancer, affecting the reproductive and nervous systems, and phthalates, found in personal care products and food packaging, which “have been linked to developmental problems in babies, hormone disruption, and are also thought to affect the reproductive system.”

These chemicals, especially when imprisoned in a house on lock-down for the winter, can accumulate and mingle with dust in your home. “The researchers highlighted 45 toxic chemicals in indoor dust, 10 of which were present in 90% or more of the dust samples – these included flame retardants, fragrances and phenols.” As The Guardian points out, these chemicals, though banned in some products, like bottles and diapers, may not be banned in others, like walls and flooring.

But this isn’t a matter to just throw up our hands over, declaring all proactivity hopeless and ineffective. Singla, from the Environmental Science and Technology journal, writes there are steps we can take to reduce exposure to this toxic dust. One key is, when you are performing regular cleaning duties like wiping off the counters or sweeping, don’t tackle these tasks with dry brooms or paper towels. Use damp mops and cloths to reduce levels of dust. Whereas merely dry materials might kick the dust back in the air, damp materials will cause the dust to clump and aggregate. Also, vacuum regularly, as the suction disposes of the toxic dust in its container. And, of course, activism, to demand accountability, is the surest way to reduce exposure to these chemicals.

Although the problem of indoor pollution is extremely concerning, it’s in your power to reduce exposure. Besides changing the way you clean your home, you can also purchase plants, which help reduce indoor pollution by cleaning the air you breathe. And don’t be afraid to open up your windows when the days are brilliant, and the soft breeze of spring warmly soothes the plants and animals, blooming and bustling outside, stirred by the chance to enter your home like an old, visiting friend.

Tips for Storing Books

Tips for Storing Books

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Tips for Storing BooksIf this is your first time storing books, you might think the process will be as easy as storing anything else: pack them up in boxes and throw them on a shelf. But that’s not exactly the case here. Books are delicate, sensitive to changes in their environments. Store your books with the confidence that they won’t diminish in value.

Preparation

Clean. You might not think dust is a big problem, but it can cause covers to fade, lose texture, and damage their surfaces after books set for too long. Inspect all your books for dust and dirt.

After you clean, you may want to wrap any books with dust jackets in Mylar book covers. This thin, plastic material is actually sturdy enough to prevent most damages to book covers. Plus, in the future, if you spill something in the vicinity of your book, it won’t necessarily ruin its cover.

Storage

The first thing you’ll want to consider is the kind of storage unit you want your books in. Climate-controlled storage is best, since you will be able to not only monitor the temperature of the unit but also the humidity levels. Aside from that, you probably shouldn’t store books in a unit without, at least, temperature-control, which makes the unit immune to major temperature changes (these units typically guarantee a range of temperatures for your storage: a range in Fahrenheit from about 50 degrees to 90 degrees).

Next, boxes, bags, or totes? If you use boxes, don’t use secondhand boxes, especially if they contained items that typically emit an odor (food, leather, etc.). These odors will settle in books after a period of exposure.

Don’t store in plastic bags. Not only can these produce gases after some time (which will settle in your books), but they also can trap humidity and water, forming a layer of condensation around your books. Bags can basically create the same environment as a humid basement.

Totes are usually okay for a few reasons. If the outside of the tote gets wet, the moisture won’t sink through the tote to the books (like it would a box). Secondly, there is usually extra space in the tote, which would allow for some air circulation for your books. And, thirdly, you won’t have to worry about the acid that some boxes contain yellowing the pages of your books.

Whatever you choose to do, now you have the information to store your books like a pro. Happy packing!

woman working on laptop

Mottos of the Organized

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Mottos of the OrganizedDon’t let your stuff own you

It’s easier said than done. Some people collect so much stuff throughout their lives, they have no idea what to do with it. So they keep it. Then have to pay for space to store it. And the problem just perpetuates itself. When you make financial decisions about where to live, because you have a bunch of stuff that you don’t use but need to bring with you, then your stuff owns you. Don’t let that happen.

When it’s not fun, you’re done

Two questions to ask yourself about the things you own: Are you using it and is it fun? If the objects sitting around your home are never used, why do you keep them? Consider this: clutter in your home contributes to, or may reflect, mental clutter. It may both cause and reflect anxiety. Clear up the things you don’t use, the things that no longer contribute to your life, and notice how it affects your day-to-day mentality.

Free space is worth more than occupied space

When all kinds of objects just occupy space and have no other use, you basically pay for the objects to sit there. It’s like renting out space. And every time you want something new, you’ll have to find a new place for it. This is the cycle that owning too many things all too often becomes.

To get out of this rut, consider the value of free space. Free space is possibility. You can do anything with it.

The past should remain in the past

If you want a change in your lifestyle, consider the objects you surround yourself with. Are they just things of the past, no longer contributing anything to your lifestyle or the lifestyle you want? Are they things that remind you of what you were but don’t want to be? Let everything that holds you back stay in the past. Try surrounding yourself with things that inspire you, things that hold you to a certain level of living.

Getting organized can be very difficult. Disorganization is a habit, and breaking habits is difficult. Remembering these mottos will make it easier to break the chains of habit.

woman shrugging

How to Discuss Clutter with Your Roommate

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How to Talk about Clutter with Your RoommateIf you’re living independently for the first time, with a roommate or significant other, you’ll encounter a universal problem: people organize their lives differently. What seems to be clutter to one person will be organized chaos to another. This problem may appear irresolvable to some. If your roommate or significant other doesn’t think about what counts as clutter in the same way you do, how can you change their mind? Luckily, you don’t have to.

Organizing a shared space isn’t about changing anybody’s idea of what is a mess and what isn’t. Actually, it’s just a matter of communication, like most other things, and respect. You live in a common space: you have common goals. Talk about them.

Shared Interests

If you talk about clutter only when you’re annoyed about it, the way you communicate with your roommate or significant other may take the form of blame. You might say, “Why haven’t you picked up your laundry?” Or, “Why is this room still not clean?” This doesn’t do anyone any good.

You live with someone. If you haven’t explicitly decided on what kind of organization you both would like to see for each room, then you cannot appeal to an agreed upon goal. The sentence, “Why is this room still not clean?” appears to be grounded in an agreed upon norm. And that’s why it’s so disorienting and, sometimes, maddening, when people talk this way without establishing, beforehand, what this agreed upon goal is.

Talk about your shared interests, what each of you hope to get from your home, and make compromises. But certainly do not wait until you are aggravated, annoyed, or irritable to bring up how your shared space should be organized.

State how you both want to use the room and accommodate each other’s visions. If your visions contradict, maybe split the space, or try to allocate different spaces for your separate visions.

Agree upon the appropriate items for the space. Then talk about how you’d like to see them stored when not in use.

Conclusion

Most of all be reasonable about your vision. You share space with another person. Sometimes you can’t get everything you want. No matter what you decide about organization, having a discussion about your goals, interests, and expectations is always healthy. And it’s certainly the best way to talk about clutter with your roommate or significant other.

Begin Exercising at Your Apartment

Begin Exercising at Your Apartment

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Begin Exercising at Your ApartmentThe best deals are those that involve getting the same product or service for a lower price. This is why exercising at home is best. No more gym rats. No more sweat-infused-axe-spray nausea. No more machine hogs.

Think about how much less effort you’ll have to put into preparation for the gym. Let’s talk about getting your apartment ready for exercising.

Goals

Obviously, if your goals aren’t similar to the outcomes desired by body builders, then you won’t need as much equipment as a typical gym. You just want to do cardio? Maybe, then, all you’ll need is a space for a yoga mat. Want to get really buff? The nice thing is, your apartment most likely has a fitness center that already includes some equipment. You’ll only have to make space for what the fitness center doesn’t have.

And don’t just brush off using the fitness center all at once. Research has shown it’s actually easier to form habits, like going to the gym, if you begin with small goals first. Maybe your first time lifting weights shouldn’t be at LA Fitness. Not only might you get discouraged, but missing a few days can turn into a few weeks and then you’ll be back at square one again.

If you want to build muscle, just begin with the basics: a quick ten-minute warm-up, followed by a period of strength training (pushups, pullups, squats), followed by a ten-minute cool down period. As simple as it is, beginning with this kind of routine will prepare your tendons and joints for heavier loads. And it has the added bonus of pushing you to form new habits.

Organization

The only other thing you’ll have to think about is how to store what you need. If you’re just getting a jump rope, you won’t have much of a problem. But if you need a bench press, for instance, you might have to get a little creative if you’re living in an apartment. Pick a space to use your equipment in. But this space doesn’t necessarily have to be used to store your equipment.

Another thing you can do is think about ways in which the storage space for your equipment can be used for other things. For instance, maybe your bench press can hold your plants. Maybe your bars can double as a coat hanger. There’s really no limit on what kind of uses you can put these things to.

Conclusion

If you want to begin exercising, just start at your apartment. Maybe use the fitness center, if your apartment has one. But if not, no big deal. Form the habit of exercising before you make lofty goals for yourself. That way, when the time comes to lift big weights, not only will your tendons be ready, but your mind will be ready too.

Why Renting is the Better Choice for Millennials

Why Renting is the Better Choice for Millennials

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Why Renting is the Better Choice for MillennialsYou’ve probably heard: student debt is over $1.3 trillion. And, according to a report by CNBC, it’s “growing faster than the average salaries for recent graduates.”

For a borrower aged 20-30, the average monthly student loan payment is $351. That’s quite a bit, especially when the median income for millennials remains relatively low. As reported by BusinessInsider.com, “In 2013, the median annual earnings for millennial women working full-time, year-round were $30,000,” states the report, “compared with $35,000 for their male counterparts.” A $351 payment can seem steep, since it accounts for about 12% of income for males and 14% of income for women.

Coupled with other expenses, from car loans to credit card debt, from housing costs to food, student loans are a heavy burden for many millennials trying to scrape by.

So, if you’re a millennial with a lot of debt, listen up. The following are things to consider before you buy a house. Like many others, you might find renting the better path.

Stability

Houses are sought for their stability. Even as markets change, a locked-in mortgage rate won’t. But the stability of a mortgage requires stability in life. Before you house-hunt, begin at step one. Think seriously about how stable your job is, your relationships, and career path. Are you expecting a promotion, or a change of scenery? Do you see yourself in the same job or relationship in five years? If not, a house probably isn’t your best bet.

Especially if you don’t plan to stay in a house long term, you should consider the payoff of picking up and relocating that an apartment provides. The assumption of many homeowners is they’ll be able to sell whenever they want. That, tops, it’ll take maybe a few months to close a deal. But as many learned during the housing crisis of ’08, when interest rates skyrocket, the equity of your house diminishes. The stability of a mortgage is a double-edged sword. There’s nothing to protect your home from future devaluation by the market. This isn’t a decision you should rush into.

Cost

Unexpected losses aren’t just restricted to market change. Other costs to home owning can also set you back significantly. The best thing to do is create a hypothetical budget. As HousingWire.com suggests, “Aim to keep total rent or mortgage payments plus utilities to less than 25% to 30% of your gross monthly income.”

To place the costs of owning in further perspective, imagine that, after you budget, you have $500 every pay period left over. One day you notice your refrigerator isn’t working. You have to buy a new one. You get the new refrigerator and it turns out that the issue is with the electrical wiring going to the refrigerator. You have to pay an electrician to come out, and it turns out your entire kitchen was poorly wired and needs updated. If you don’t have deep savings or a friend who happens to be an electrician, your bills can become, very quickly, too large for a budget with little room for error.

Conclusion

When it comes to renting, however, apartment complexes take care of all major maintenance issues, and many minor issues as well. And, though rent prices might be higher than mortgage prices in some areas, apartment complexes provide amenities that you’d usually have to pay for if you own a house: pools, weight rooms, clubhouses, etc.

If you’ve acquired large amounts of student or credit card debt, it might be a wiser choice to rent an apartment for a few years while you climb out of debt, and stash away some money in savings in the meantime. That way, if you get a house, you’ll be ready for unexpected issues and they won’t break your budget.

How Millennials are Happy and Productive in the Workplace

How Millennials are Happy and Productive in the Workplace

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How Millennials are Happy and Productive in the Workplace“67% of millennials are likely to share personal details [at work]…while only one-third of baby boomers do the same,” found a 2014 study by LinkedIn.

The work/life balance is an unspoken rule among working people. What happens at home shouldn’t be brought to work, and vice versa. This has long been the idea undergirding “professionalism.” But millennials have challenged this distinction in a very simple but powerful way.

It goes without saying: there are many reasons to keep the work/life distinction afloat. The workplace is not home. And a certain level of professionalism is required to maintain an efficient organization. This is true without qualification.

But what millennials have done, writes Sarah Landrum of Forbes, is widened their investment in the workplace. Work isn’t just an investment of time for them; it’s also an emotional investment. And this isn’t a bad thing. The attempt to roadblock the emotional aspect is not only a misunderstanding of science (the brain is interconnected in unimaginably complex ways), but a recipe for unproductive habits.

How Work + Happiness = Productivity

Many of you, like myself, may think making friends at work would impede upon productivity. But friendships at work aren’t like friendships at home. They don’t involve hanging out, but are held together and formed by self-disclosures in conversations. What does this mean? Simply put: it’s talking about how you feel about what you do, about how the weather is, about your weekend, more than about what you do, Landrum points out.

In Psych 101 you might have learned the simple difference between an acquaintance and a friend. Acquaintances talk about facts. They say to each other, “It’s sunny out. It’s a nice day. I have work to do.” But they don’t go further by disclosing any information about themselves like, “It’s sunny out, I think I’ll go to the park after work because there’s a good area to fish.”

Just to understand this from a millennial’s perspective, think about it this way: If you’re not self-disclosing sometimes to people you talk with every day, you’re basically working with acquaintances. And that means you never learn more about anyone, even after 20 years of work.

In 2014 Censuswide and LinkedIn joined to conduct a survey on 11,500 working professional that spanned 14 countries. They found that “57% of respondents indicated having friends at work made them more productive.”

Conclusion

Millennials get the most out of work by relating to those around them. This doesn’t keep them from being productive. In fact, it makes them more productive. And one reason just might be because they don’t feel like they are working in a world of acquaintances. The emotional investment is a powerful piece to the overall work experience. And it might be the key to productivity in a world where everyone is more and more alienated by technology.

And there’s another benefit. Apparently friendships at the workplace make companies more valuable to employees. As Landrum reports, “When asked whether they’d swap camaraderie for a larger paycheck at a different employer, 58% of men indicated they wouldn’t make the trade. A whopping 74% of female professionals concurred.”

The work/life distinction has a valuable place in a professional setting. But it doesn’t necessarily deny the possibility of self-disclosure. And self-disclosure just may be the key to happiness and productivity in the workplace.