1. Self – inventory of the transferable skills and interests
2. The Internet
3. Networking
4. School (ask a teacher for job leads)
5. The Feds (www.careeronesop.org)
6. In your state go to private employment agencies
7. Civil service (take a civil service exam to compete for a government job)
http://federaljobs.net/exams.htm
8. News papers (see http://tinyurl.com/d5818z or www.newslink.org )
9. Journals ( http://tinyurl.com/dlfsdz )
10. Temp Agencies ( http://tinyurl.com/dxrdjy )
11. Pickups (go to place where employers pick up workers
12. Job Clubs ( http://tinyurl.com/7a9xbb )
13. Resumes (mail out resumes blindly to anyone and everyone, blanketing the area)
14. Choose Places that interest you (knock on doors of any employer, factory, store, organization, or a office that interests you, whether they are known to have a vacancy or not.
15. The Phone Book
16. Volunteering ( www.volunteermatch.org www.networkforgood.org/volunteer )
17. Work for yourself (http://tinyurl.com/yqt7pc )
18. Retraining (go back to school)
Thursday, November 19, 2009
Friday, November 13, 2009
10 Companies Hiring for the Holidays
If you're looking for seasonal employment this holiday season, here are 10 companies that are hiring now:
1. AT&T
Industry: Communications
Number of openings: 1000+
Seasonal positions available: Retail sales associates; store managers; and sales support
Location: Nationwide
2. A Wireless
Industry: Telecommunications
Number of openings: 250+
Seasonal positions available: Store managers; sales consultants; district managers; information technology; customer service
Location: Nationwide
3. Blockbuster
Industry: Entertainment
Number of openings: 1000+
Seasonal positions available: Retail sales associates; store managers
Location: Nationwide
4. hhgregg
Industry: Appliance and electronics retail
Number of openings: 800+
Seasonal positions available: Appliance and electronics sales
Location: Indiana; Ohio; Kentucky; Alabama; Georgia; Florida; North Carolina; South Carolina; Tennessee
5. Hickory Farms
Industry: Specialty retail
Number of openings: 4,000
Seasonal positions available: Sales associate
Location: Nationwide, shopping malls
6. Macy's
Industry: Retail
Number of openings: 1,000 +
Seasonal positions available: Part-time season retail help in gift wrap, sales associates, etc.
Location: Nationwide
7. Olan Mills Studio
Industry: Studio photography
Number of openings: 100+
Seasonal positions available: Photographers; portrait sales; customer service
Location: Ala., Ga., Pa., Ky., Tenn., N.C., Ind., Mich.
8. RadioShack
Industry: Electronics sales
Number of openings: 1000
Seasonal positions available: Retail sales associates
Location: 250 cities
9. Toys"R"Us
Industry: Specialty retail
Number of openings: 35,000
Seasonal positions available: Management positions; sales associates, including cashiers, shelf stockers and customer service roles; and back-of-house stock opportunities
Location: Nationwide
10. UPS
Industry: Shipping and distribution
Number of openings: 200+
Seasonal positions available: Package delivery drivers; tractor trailer driver
Location: Nationwide
1. AT&T
Industry: Communications
Number of openings: 1000+
Seasonal positions available: Retail sales associates; store managers; and sales support
Location: Nationwide
2. A Wireless
Industry: Telecommunications
Number of openings: 250+
Seasonal positions available: Store managers; sales consultants; district managers; information technology; customer service
Location: Nationwide
3. Blockbuster
Industry: Entertainment
Number of openings: 1000+
Seasonal positions available: Retail sales associates; store managers
Location: Nationwide
4. hhgregg
Industry: Appliance and electronics retail
Number of openings: 800+
Seasonal positions available: Appliance and electronics sales
Location: Indiana; Ohio; Kentucky; Alabama; Georgia; Florida; North Carolina; South Carolina; Tennessee
5. Hickory Farms
Industry: Specialty retail
Number of openings: 4,000
Seasonal positions available: Sales associate
Location: Nationwide, shopping malls
6. Macy's
Industry: Retail
Number of openings: 1,000 +
Seasonal positions available: Part-time season retail help in gift wrap, sales associates, etc.
Location: Nationwide
7. Olan Mills Studio
Industry: Studio photography
Number of openings: 100+
Seasonal positions available: Photographers; portrait sales; customer service
Location: Ala., Ga., Pa., Ky., Tenn., N.C., Ind., Mich.
8. RadioShack
Industry: Electronics sales
Number of openings: 1000
Seasonal positions available: Retail sales associates
Location: 250 cities
9. Toys"R"Us
Industry: Specialty retail
Number of openings: 35,000
Seasonal positions available: Management positions; sales associates, including cashiers, shelf stockers and customer service roles; and back-of-house stock opportunities
Location: Nationwide
10. UPS
Industry: Shipping and distribution
Number of openings: 200+
Seasonal positions available: Package delivery drivers; tractor trailer driver
Location: Nationwide
Monday, November 9, 2009
The stupid things we women do
Otherwise brilliant women too often trust a man, a company or the government to plan for their financial future. Today’s reality? Women are in charge of their financial future.
Kim Kiyosaki is the anther of “Rich Woman”, she says some women do stupid things when it comes to money – including marring for money and taking advice from “experts” because we don’t think we’re smart enough.
Stupid things some women do when it comes to money.
-we marry for money
-we stay in bad marriages or relationship because we’re afraid we can’t make it financially on our own.
-we let a man make all of our key financial decisions
-we accept the myth that men are better with money and better at investing
-we won’t challenge a man’s financial decisions because we don’t want to rock the boat and hurt his ego.
-we take financial advice supposed “experts” be cause we don’t think we’re smart enough.
-we hang on too long because (at least financially) we’re “comfortable”
-we keep quiet to keep the peace
-we hope the man will change
-we settle for” OK” in life when what we really want is “great”
-we stay to long-only to be left behind for younger women
-A man is lost but won’t ask directions- and we follow him.
-we sell ourselves short
-we put up with inequalities on the job-for a paycheck
-we feel quality working extra hours and not being with our kids
-we get passed over from a promotion we diverse and stay
-we accept less pay then our male counterparts and often end up doing their work
-we miss our kids soccer games and recitals because we have to work
-we often look into the future and think “someday”
Most of up have done one or more of these stupid things. The bottom line is that many of us sell our souls in the name of money. The real crime is the toll it takes on our self-esteem, our confidence and our self-worth.
Kim Kiyosaki is the anther of “Rich Woman”, she says some women do stupid things when it comes to money – including marring for money and taking advice from “experts” because we don’t think we’re smart enough.
Stupid things some women do when it comes to money.
-we marry for money
-we stay in bad marriages or relationship because we’re afraid we can’t make it financially on our own.
-we let a man make all of our key financial decisions
-we accept the myth that men are better with money and better at investing
-we won’t challenge a man’s financial decisions because we don’t want to rock the boat and hurt his ego.
-we take financial advice supposed “experts” be cause we don’t think we’re smart enough.
-we hang on too long because (at least financially) we’re “comfortable”
-we keep quiet to keep the peace
-we hope the man will change
-we settle for” OK” in life when what we really want is “great”
-we stay to long-only to be left behind for younger women
-A man is lost but won’t ask directions- and we follow him.
-we sell ourselves short
-we put up with inequalities on the job-for a paycheck
-we feel quality working extra hours and not being with our kids
-we get passed over from a promotion we diverse and stay
-we accept less pay then our male counterparts and often end up doing their work
-we miss our kids soccer games and recitals because we have to work
-we often look into the future and think “someday”
Most of up have done one or more of these stupid things. The bottom line is that many of us sell our souls in the name of money. The real crime is the toll it takes on our self-esteem, our confidence and our self-worth.
13 Ways to be nice that will cost you nothing
It’s not expensive to be nice –in fact, it often costs nothing. Here are 13 easy ways to be nice that will cost you nothing.
1. Say “take you time” and mean it.
2. Ask your friends if they want to borrow your staff not randomly, but upon detection of a need.
3. Invite someone to join your group.
4. Use your turn signal.
5. Wave.
6. Tell someone what others think of them.
7. Wait up.
8. Return things you’ve borrowed.
9. Respond promptly to invitations.
10. Say ‘please” and “thank you”.
11. Be sensitive
12. Call or e-mail the parents of your teenager’s friends if you have something important to say.
13. Bring extra to share or just share whether you have extra or not.
1. Say “take you time” and mean it.
2. Ask your friends if they want to borrow your staff not randomly, but upon detection of a need.
3. Invite someone to join your group.
4. Use your turn signal.
5. Wave.
6. Tell someone what others think of them.
7. Wait up.
8. Return things you’ve borrowed.
9. Respond promptly to invitations.
10. Say ‘please” and “thank you”.
11. Be sensitive
12. Call or e-mail the parents of your teenager’s friends if you have something important to say.
13. Bring extra to share or just share whether you have extra or not.
Monday, November 2, 2009
9 Thinks to do when you are Laid Off
1. Review your financial and figure out how much money you have.
2. Add up your fixed expenses.
3. Evaluate your severance package.
4. Look at your benefits package.
5. Analyze your 401(k) plan options and obligations.
6. Learn the rules of unemployment insurance.
7. Set your professional and personal priorities.
8. Investigate a new career.
9. Check www.salary.com or www.payscale.com
2. Add up your fixed expenses.
3. Evaluate your severance package.
4. Look at your benefits package.
5. Analyze your 401(k) plan options and obligations.
6. Learn the rules of unemployment insurance.
7. Set your professional and personal priorities.
8. Investigate a new career.
9. Check www.salary.com or www.payscale.com
Wednesday, October 28, 2009
55 Ways I saved Time and Money Planning My Wedding
Before you Plan:
1.Decide between time & money (Wedding planner vs. doing it yourself)
2.Decide what's important
3.Decide what's not important
4.Prioritize what's important
5.Purchase a "bargain" book (but only one)
6.Find a planner that will work for you
7.Decide on the "look" and "feel" of your wedding
8.Determine how much you can spend
9.Make a budget, but make your own budget
10.Find people to whom you can delegate
11.Laugh a little
Clothes
12.Research, research, research
13.Rent them
14.Make your own
15.Shop fabric and craft store sales
16. www.Houseofbrides.com
17.Don’t buy boutique, but do try it on there
18.Look into dresses made out of different materials
19.Find a seamstress who sews as a home based business
20.Avaid bridal chain stores
21.Make your own veil
22.Rent tuxes as a group you’ll get one free
Cake
23.Club stores
24.Decorate the cake with flowers
25.Have a dessert table vs. cake alone
26.Make your own cake stand
26.Make your own cake stand
27.Make all your cakes the same flavor
28.Pass on the fondant
29.Cut the round cake, but serve the sheet cake
Decorates
30.Accessorize your flowers with bouquets from a club or warehouse store
31.See if your church or reception hall has deductions you can use
32.Shop creatively
33.Ask your friends (tulle, anymore?)
34.Buy in bulk
35. Give your center pieces away
36.Find out if your church or reception hall has a relationship with a local florist
37.Be willing to substitute expensive flowers for cheaper ones with the same look
38.Let your florist make the decisions
39.Simple elegance beats (and is less expensive that I lots of frills
40.Go for a different “look” (don’t use roses)
41.Find people who grow the flowers you want in their yards
42.Dried flowers are perfect
Invitation
43.Club store paper center
44.Skip the engraving
45.Print reception cards yourself
Honeymoon
46.Ask your friends and their friends
47.Decide what kind of honeymoon you want
48.Look in to all-inclusive packages, especially in the off-season
49.Look for privately owned condo-style housing
50.Plan the honeymoon way ahead
51.Plan the honeymoon last minute
52.Find a place where you can cook your own meals
53.Gett off the beaten track
54. www.Kayak.com
55. www.Bookit.com
Sunday, October 25, 2009
Bullet proof your job by Stephen Visusi
1. Arrive early and stay late
2. Look good
3. Pay attention to detail
4. Listen up
5. Speak up
6. Volunteer to lead
7. Make Presentations
8. Represent your company
9. Find a mentor
10. Talk to your boss
11. Grow your circle
12. Introduce yourself
13. Publicize your accomplishments
14. Be a fan
15. Quit complaining
16. Watch your mouth
17. Leave your problems at home
18. Behave appropriately
19. Discuss, don’t argue
20. Don’t be a gossip
21. Understand your office politics
22. Be positive
23. Be dependable
24. Be Flexible
25. Encourage others
26. Share credit
27. Stay calm
28. Be a mentor
29. Train others
30. Be a utility player
31. Be a specialist
32. Share your work
33. Take responsibility
34. Take initiative
35. Support your boss
36. Land a hand
37. Work hard
38. Add Dollar value
39. Have money in a bank
40. Keep your resume current
41. Establish a relationship with a recruiter
42. Improve your network skills
43. Help the people in your network
44. Be active in a professional association
45. Publish articles and do presentations in your area of expertise
46. Pay attention to what your peers are doing
47. Improve your interview skills
48. Monitor the job market in your field
49. Continue your education
50. Learn new skills
Saturday, October 24, 2009
Tips on how to start a Conversation
1.Smile. Everyone is more engaging when they appear friendly and open.
2.Make eye contact.
3.Introduce your self. A conversation is more likely to start and continue when names are exchanged.
4.Pick a relevant topic. It might sound cliché, but it’s always good to bring up the weather.
5.Share some details. Tell the other person a little about yourself.
6.Ask specific questions. Inquire about the other person’s family, job or hobbies.
7.Educate yourself. Stay informed about current events or happenings within your industry so you can offer interesting insight and speak confidently on a subject.
8.Listen closely to what the other person is saying and file always important tidbits for letter.
9.Laugh. Conversations are always easier when people are at ease.
10.Be genuine. No one likes to have a conversation with someone likes to have a conversation with someone who comes off as fake or distracted.
German bread
Ingredients
1 1/2 oz can of beer
2 1/2 cups self-rising flour
½ cup all-purpose flour
¼ cup brown sugar
1 teaspoon baking powder
1/2 teaspoon salt
½ teaspoon onion powder
¾ teaspoon Italian seasoning
¼ cup butter a margarine melted
Directions
1.Preheat over to 375ºF (190ºC)
2.Lightly grease a 9x5 inch baking pan
3.In a bowl, mix the dry ingredients
4.Add the beer and sugar, mix well, place in pan
5.Top with melted butter
6.Bake 45 to 55 minutes. Cool on a wire rack.
1 1/2 oz can of beer
2 1/2 cups self-rising flour
½ cup all-purpose flour
¼ cup brown sugar
1 teaspoon baking powder
1/2 teaspoon salt
½ teaspoon onion powder
¾ teaspoon Italian seasoning
¼ cup butter a margarine melted
Directions
1.Preheat over to 375ºF (190ºC)
2.Lightly grease a 9x5 inch baking pan
3.In a bowl, mix the dry ingredients
4.Add the beer and sugar, mix well, place in pan
5.Top with melted butter
6.Bake 45 to 55 minutes. Cool on a wire rack.
Things to Save Money in your Household Budget
-Have a budget
-Just say NO
-Face the reality of your buying habits (little things)
-Ask, ask, ask
-Make your self save something every month
-Quiz yourself before you buy anything (Do I really need it?)
-Carry a “buy-at-the-right-price” list
-Keep in mind that nothing is a bargain unless you need it
-Evaluate your insurance policies at least annually
- Pay your credit card bill in full every single month
www.cardratings.com
-Think long and hard before getting a pet
-Think cheap fitness
-Take your lunch (at least 2 or 3 days a week)
-Sleep on it
-Shop garage sales for bargains
-Have a garage sale
-Shop thrift stores
-Do it your self (sewing, cleaning, ironing…)
-Make things yourself instead of buying them
All-purpose cleaning: ½ cup ammonia, ½ cup vinegar, and ½ cup baking soda in a gallon of warm water.
Disinfectant spray: Mix ½ cup bleach and 3 ½ cups water. The total cost will be about a dime.
-Don’t smoke
-Be as energy efficient as possible
www.energyright.com/savingenergy/evaluation.htm
-Order smart at restaurants
www.entertaiment.com (which include hundreds of money ,saving coupons…..)
-Change the way you entertain
-Use the library to the fullest
-Purchase use books
-Change the gift-giving rules for the holidays and other occasions
-Reevaluate your Christmas holiday traditions
-Let people know what you want
-Go for resifting
-Save on travel
-Consider a vacation in which you don’t actually travel
-Go for automatic bill pay
www.cardratings.com
-Negotiate
-Don’t waste your money on extended warranties
-Enter contests
www.sweepstakestoday.com
www.sweepstakesadvantage.com
-Sing up for a membership
-Volunteer (Habitat for Humanity volunteer)
-Find ways to be cheap, to be generous
-Never turn down anything free
www.freecycle.org
-Take advantage of cheap or free greeting cards
www.bluemountain.com
www.123greetings.com
www.regards.com
-Be frugal on the gardening front
-Keep a gift closet for storing “all purpose” gifts
-Be skeptical (BBB and Department of Consumer Affairs for your state)
-Stay home more
-Stay out of the stores
-Talk to your children and grand children about money
-Make the most of your education (Commerce Department’s Census Bureau)
-Pay full price
-Be patient
-Enjoy things that are good to the last drop
-Consider a “fiscal fast”
-Take things back
-Enjoy high school sports and theater
-Attend leisure activities at local colleges
-Avoid clothes that need to be dry cleaned
-Shop consignment stores
-Take advantage of all the great web sites for cheapest
www.Shopping.com
www.mysimon.com
www.shopping.yahoo.com
www.pricegrabber.com
www.retailmenot.com
www.cuponchief.com (on line tutorial to help people to use the site)
www.smartbargains.com ( a rebate site where you can get money back for some of you purchases)
www.fatwalet.com
www.dealcatcher.com
www.insweb.com (all kinds of insurance)
www.gasbuddy.com (the cheapest gas is)
www.indexcreditcards.com (law interest cards, rewards cards…)
www.overstock.com (good discounts on clothes, house wares, books, music…)
www.factcheck.org
www.rather-be-shopping.com (coupons & deals)
www.half.com (is an eBay page with books, music, movies, text books…)
www.buzzillions.com
www.annualcreditreport.com
www.couponmom.com (coupons, coupon codes, free offers, free samples)
www.lastminute.com (last minute travel)
www.ebates.com (rebates, donate to charity)
www.mycoupon.com
www.totallyfreecrap.com www.heyitsfree.net (free stuff from screwdrivers to magazines and lip gloss and Nicoderm patches)
-Google everything
-Learn what you can do without
-Don’t spend a lot of money on the movies
www.redbox.com
www.hulu.com
-Lower your standards
-Compare prices on everything
-Think multipurpose
-Churches rock
-Get that company Match
-Make the savings fun
-If you or your spouse is a senior go for that senior discount
-Let the kids eat free
www.kidseatfree.com
-Go for services (for pampering and for food)
-Know your benefits at work
-Learn some new home – improvement skills
www.homedepot.com
www.expertvillage.com
www.wikihow.com
www.diynetwork.com
www.beyane.com
-Shop off-season and shop year-round
-Drink water
-Save by sharing
-Think about what you can sell
-Save every single receipt
-Know your stores
-Get free credit reports
-Find cheap and free entertainment for yourself and the family
-Use store brands
-No matter where you shop, have a list and stick to it
-Shop alone and don’t shop on an empty stomach
-Know your prices
-Have a menu plan based on what’s on sale
-Stockpile
-Weigh every think
-Coupon on the max
www.couponmom.com
-Just say NO
-Face the reality of your buying habits (little things)
-Ask, ask, ask
-Make your self save something every month
-Quiz yourself before you buy anything (Do I really need it?)
-Carry a “buy-at-the-right-price” list
-Keep in mind that nothing is a bargain unless you need it
-Evaluate your insurance policies at least annually
- Pay your credit card bill in full every single month
www.cardratings.com
-Think long and hard before getting a pet
-Think cheap fitness
-Take your lunch (at least 2 or 3 days a week)
-Sleep on it
-Shop garage sales for bargains
-Have a garage sale
-Shop thrift stores
-Do it your self (sewing, cleaning, ironing…)
-Make things yourself instead of buying them
All-purpose cleaning: ½ cup ammonia, ½ cup vinegar, and ½ cup baking soda in a gallon of warm water.
Disinfectant spray: Mix ½ cup bleach and 3 ½ cups water. The total cost will be about a dime.
-Don’t smoke
-Be as energy efficient as possible
www.energyright.com/savingenergy/evaluation.htm
-Order smart at restaurants
www.entertaiment.com (which include hundreds of money ,saving coupons…..)
-Change the way you entertain
-Use the library to the fullest
-Purchase use books
-Change the gift-giving rules for the holidays and other occasions
-Reevaluate your Christmas holiday traditions
-Let people know what you want
-Go for resifting
-Save on travel
-Consider a vacation in which you don’t actually travel
-Go for automatic bill pay
www.cardratings.com
-Negotiate
-Don’t waste your money on extended warranties
-Enter contests
www.sweepstakestoday.com
www.sweepstakesadvantage.com
-Sing up for a membership
-Volunteer (Habitat for Humanity volunteer)
-Find ways to be cheap, to be generous
-Never turn down anything free
www.freecycle.org
-Take advantage of cheap or free greeting cards
www.bluemountain.com
www.123greetings.com
www.regards.com
-Be frugal on the gardening front
-Keep a gift closet for storing “all purpose” gifts
-Be skeptical (BBB and Department of Consumer Affairs for your state)
-Stay home more
-Stay out of the stores
-Talk to your children and grand children about money
-Make the most of your education (Commerce Department’s Census Bureau)
-Pay full price
-Be patient
-Enjoy things that are good to the last drop
-Consider a “fiscal fast”
-Take things back
-Enjoy high school sports and theater
-Attend leisure activities at local colleges
-Avoid clothes that need to be dry cleaned
-Shop consignment stores
-Take advantage of all the great web sites for cheapest
www.Shopping.com
www.mysimon.com
www.shopping.yahoo.com
www.pricegrabber.com
www.retailmenot.com
www.cuponchief.com (on line tutorial to help people to use the site)
www.smartbargains.com ( a rebate site where you can get money back for some of you purchases)
www.fatwalet.com
www.dealcatcher.com
www.insweb.com (all kinds of insurance)
www.gasbuddy.com (the cheapest gas is)
www.indexcreditcards.com (law interest cards, rewards cards…)
www.overstock.com (good discounts on clothes, house wares, books, music…)
www.factcheck.org
www.rather-be-shopping.com (coupons & deals)
www.half.com (is an eBay page with books, music, movies, text books…)
www.buzzillions.com
www.annualcreditreport.com
www.couponmom.com (coupons, coupon codes, free offers, free samples)
www.lastminute.com (last minute travel)
www.ebates.com (rebates, donate to charity)
www.mycoupon.com
www.totallyfreecrap.com www.heyitsfree.net (free stuff from screwdrivers to magazines and lip gloss and Nicoderm patches)
-Google everything
-Learn what you can do without
-Don’t spend a lot of money on the movies
www.redbox.com
www.hulu.com
-Lower your standards
-Compare prices on everything
-Think multipurpose
-Churches rock
-Get that company Match
-Make the savings fun
-If you or your spouse is a senior go for that senior discount
-Let the kids eat free
www.kidseatfree.com
-Go for services (for pampering and for food)
-Know your benefits at work
-Learn some new home – improvement skills
www.homedepot.com
www.expertvillage.com
www.wikihow.com
www.diynetwork.com
www.beyane.com
-Shop off-season and shop year-round
-Drink water
-Save by sharing
-Think about what you can sell
-Save every single receipt
-Know your stores
-Get free credit reports
-Find cheap and free entertainment for yourself and the family
-Use store brands
-No matter where you shop, have a list and stick to it
-Shop alone and don’t shop on an empty stomach
-Know your prices
-Have a menu plan based on what’s on sale
-Stockpile
-Weigh every think
-Coupon on the max
www.couponmom.com
5 Ways to Power
Vision
Think big. Dream big. Keep success in your mind and believe you can achieve anything you set your mind to.
Plan
to attend the Black Enterprise women of Power Summit to learn this and so much more.
Connect
with like-minded professionals on both a professional and social level.
Knowledge
Never stop learning. Take classes, go to seminars, learn from women who share similar experiences and have achieved the success you want.
Balance
Create a healthy balance between your professional and personal life. Remember-health, family, and finance are vital to achieving overall success.
Think big. Dream big. Keep success in your mind and believe you can achieve anything you set your mind to.
Plan
to attend the Black Enterprise women of Power Summit to learn this and so much more.
Connect
with like-minded professionals on both a professional and social level.
Knowledge
Never stop learning. Take classes, go to seminars, learn from women who share similar experiences and have achieved the success you want.
Balance
Create a healthy balance between your professional and personal life. Remember-health, family, and finance are vital to achieving overall success.
Friday, September 25, 2009
Find Cash Fast
-Sell investments (stocks and Mutual funds)
-Borrow from your home (home-equity)
-Research Government aid (www.sba.gov-->disaster assistance, www.usa.gov-->benefits and grants)
-Boost your take-home pay kiplinger.com/tools/withholding and try our easy-to-use calculator
-Cash convenience Checks www.credit.com
-Borrow from your 401(k)
-Tap your Roth IRA
-Get a life-insurance loan
-Lean on Family and Friends
-Sell your staff
-Borrow from your home (home-equity)
-Research Government aid (www.sba.gov-->disaster assistance, www.usa.gov-->benefits and grants)
-Boost your take-home pay kiplinger.com/tools/withholding and try our easy-to-use calculator
-Cash convenience Checks www.credit.com
-Borrow from your 401(k)
-Tap your Roth IRA
-Get a life-insurance loan
-Lean on Family and Friends
-Sell your staff
8 Way to Make youe Life More Productive
-Keep receipts together
-Ditch out dated computer stuff
-Use a desk organizer
-Magnetize your medicine cabinet
-Prepare outgoing mail ahead of time
-Create forms for everyday tasks
-Create a driving directions folder
-Cut down on junk mail
www.getorganizednow.com
-Ditch out dated computer stuff
-Use a desk organizer
-Magnetize your medicine cabinet
-Prepare outgoing mail ahead of time
-Create forms for everyday tasks
-Create a driving directions folder
-Cut down on junk mail
www.getorganizednow.com
Monday, September 21, 2009
9 Great Ways to see the world for free
1. The peace corps www.peacecorps.gov
2. The United Nations www.unv.org
3. Art Corps http://www.artcorp.org/
4. Voluntary Service Overseas www.vso.org.uk
5. www.geekcorps.org
6. Win rock International www.winrock.org
7. ACDI / VOCA www.acdivoca.org
8. The International Executive Service Corps www.lesc.org
9 The Financial Services Volunteer Corp www.FSVC.org
Friday, September 18, 2009
Are you ready to buy a house?
There are a few guidelines.
-don’t purchase a home until you have an emergency fund and are debt-free apart from your home.
-never do more than 15-year mortgage
-recommend putting down at least 20 percent in order to avoid the PMI
-your house payments should not be more than ¼ of your take home pay
-don’t buy a house in your first year of marriage
-don’t purchase a home until you have an emergency fund and are debt-free apart from your home.
-never do more than 15-year mortgage
-recommend putting down at least 20 percent in order to avoid the PMI
-your house payments should not be more than ¼ of your take home pay
-don’t buy a house in your first year of marriage
Some Industries Continue to Do Well in Recessions
-Food
-Healthcare
-Used (refurbished products) (Game Shop-used PC, Thrift-Store)
-Repair Services (home, auto, small appliance, tailor/alterations,etcetera)
-Energy efficiency &energy conservation)
-Funeral and related activities (get your ashes shot into space!)
-Home foreclosures and related work
-Home entertainment-
-Education, training and retaining
-Anything that has to do with “cloud” computing
-Outsourcing of work and outplacement of personnel
-Daycare centers
-Internet marketing, websites
-State services that can be privatized
-Animal food manufactures
-Farm product merchant wholesalers
-Internet publishing and broadcasting
-Pesticide and fertilizer markers
-Waste management services(although recycling is down)
-Software publishers
-Navigation/ electro medical /measuring Instruments manufacturers
-Mining support services
-Direct Selling
-Healthcare
-Used (refurbished products) (Game Shop-used PC, Thrift-Store)
-Repair Services (home, auto, small appliance, tailor/alterations,etcetera)
-Energy efficiency &energy conservation)
-Funeral and related activities (get your ashes shot into space!)
-Home foreclosures and related work
-Home entertainment-
-Education, training and retaining
-Anything that has to do with “cloud” computing
-Outsourcing of work and outplacement of personnel
-Daycare centers
-Internet marketing, websites
-State services that can be privatized
-Animal food manufactures
-Farm product merchant wholesalers
-Internet publishing and broadcasting
-Pesticide and fertilizer markers
-Waste management services(although recycling is down)
-Software publishers
-Navigation/ electro medical /measuring Instruments manufacturers
-Mining support services
-Direct Selling
Sunday, August 30, 2009
Right Right–Brain And Left-Brain Creativity by Robert Kiyosaki
In an overly simplified exclamation, the left-brain (the left hemisphere of the brain) is generally associated with linear thinking or logic. People who are good with reading and math are generally considered left-brain dominant. The right-brain (the right hemisphere of the brain) is more spatially oriented. People who are good with art, music and color are more right-brain dominant. In reality, it takes both sides to function, but you get the idea.
For many years, I have studied the subject of education and how we learn. Do you know that when we are born, we have an undivided brain? It is not until we are four or five years old that our brains have split into two hemispheres – a right side and left side. Our current educational system caters to those are more left-brain that right-brain dominant.
Creativity Makes You Rich
Understanding the functions of the left-brain and the right-brain is important because creativity has the power to make us very rich.
Real estate and business, on the other hand, are ideal for right-brain people. In fact, the more creative you are, the better your chances of becoming rich.
Creative people don’t need to be motivated by anyone else. They motivate themselves. They listen to and use both sides of their brains for maximum potential. They find inspiration instead of waiting for it. And they use their brains in the biggest way possible.
…When I’m working on a project, I am very focused, but I am also open to new ideas and inspiration that might come along.
For many years, I have studied the subject of education and how we learn. Do you know that when we are born, we have an undivided brain? It is not until we are four or five years old that our brains have split into two hemispheres – a right side and left side. Our current educational system caters to those are more left-brain that right-brain dominant.
Creativity Makes You Rich
Understanding the functions of the left-brain and the right-brain is important because creativity has the power to make us very rich.
Real estate and business, on the other hand, are ideal for right-brain people. In fact, the more creative you are, the better your chances of becoming rich.
Creative people don’t need to be motivated by anyone else. They motivate themselves. They listen to and use both sides of their brains for maximum potential. They find inspiration instead of waiting for it. And they use their brains in the biggest way possible.
…When I’m working on a project, I am very focused, but I am also open to new ideas and inspiration that might come along.
Monday, August 24, 2009
Safe bets every restaurant
Although some restaurants list nutrition info on their menus or websites, most of the time it’s a guessing game. These are usually the healthiest picks.
At a Chinese restaurant Egg drop or wonton soup to start, anything steamed with sauce on the side (shrimps, vegetables or chicken with broccoli and garlic) and brown rice.
At a diner Egg-white omelet with spinach, tomatoes and feta (or turkey bacon) with whole-wheat toast, or open-face (leave half the bun) veggie or turkey burger with Cheddar: fruit salad or side salad with vinaigrette.
At an Indian restaurant Tandoori chicken or shrimp with raita yogurt sauce; whole-wheat roti bread.
At an Italian restaurant Tricolore salad, insalata mista or minestone soup to start: baked, broiled or grilled fish or chicken entrée (like Chicken Scarpariello or Marsala).
At a Mexican restaurant Fajitas ( steak, chicken, shrimp, veggie) with 1-2 tortillas and a dab of sour cream, or grilled fish soft tacos with salsa.
At a pizzeria 1-2 pieces of thin crust pizza piled with veggie toppings: salad on the side.
At a Chinese restaurant Egg drop or wonton soup to start, anything steamed with sauce on the side (shrimps, vegetables or chicken with broccoli and garlic) and brown rice.
At a diner Egg-white omelet with spinach, tomatoes and feta (or turkey bacon) with whole-wheat toast, or open-face (leave half the bun) veggie or turkey burger with Cheddar: fruit salad or side salad with vinaigrette.
At an Indian restaurant Tandoori chicken or shrimp with raita yogurt sauce; whole-wheat roti bread.
At an Italian restaurant Tricolore salad, insalata mista or minestone soup to start: baked, broiled or grilled fish or chicken entrée (like Chicken Scarpariello or Marsala).
At a Mexican restaurant Fajitas ( steak, chicken, shrimp, veggie) with 1-2 tortillas and a dab of sour cream, or grilled fish soft tacos with salsa.
At a pizzeria 1-2 pieces of thin crust pizza piled with veggie toppings: salad on the side.
Tuesday, August 11, 2009
Children learn what they live By Dorothy Law Nolte, Ph.D.
Children learn what they live By Dorothy Law Nolte, Ph.D.
If children live with criticism,
they learn to condemn.
If children live with hostility,
they learn to fight.
If children live with fear,
they learn to be apprehensive.
If children live with pity,
they learn to feel sorry for themselves.
If children live with ridicule,
they learn to feel shy.
If children live with jealousy,
they learn to feel envy.
If children live with shame,
they learn to feel guilty.
If children live with encouragement,
they learn confidence.
If children live with tolerance,
they learn patience.
If children live with praise,
they learn appreciation.
If children live with acceptance,
they learn to love.
If children live with approval,
they learn to like themselves.
If children live with recognition,
they learn it is good to have a goal.
If children live with sharing,
they learn generosity.
If children live with honesty,
they learn truthfulness.
If children live with fairness,
they learn justice.
If children live with kindness and consideration,
they learn respect.
If children live with security,
they learn to have faith in themselves and in those about them.
If children live with friendliness,
they learn the world is a nice place in which to live.
If children live with criticism,
they learn to condemn.
If children live with hostility,
they learn to fight.
If children live with fear,
they learn to be apprehensive.
If children live with pity,
they learn to feel sorry for themselves.
If children live with ridicule,
they learn to feel shy.
If children live with jealousy,
they learn to feel envy.
If children live with shame,
they learn to feel guilty.
If children live with encouragement,
they learn confidence.
If children live with tolerance,
they learn patience.
If children live with praise,
they learn appreciation.
If children live with acceptance,
they learn to love.
If children live with approval,
they learn to like themselves.
If children live with recognition,
they learn it is good to have a goal.
If children live with sharing,
they learn generosity.
If children live with honesty,
they learn truthfulness.
If children live with fairness,
they learn justice.
If children live with kindness and consideration,
they learn respect.
If children live with security,
they learn to have faith in themselves and in those about them.
If children live with friendliness,
they learn the world is a nice place in which to live.
Monday, July 27, 2009
Making Money
Sell your body
Aside from selling stuff you don’t want any more, you can also be paid for participating in a medical trial and, in some countries, for donations of blood plasma. Check out drug companies for medical center for advice.
Be a reader
If you’re a student, take advantage of your education to make a little extra cash. Offer tutorial services on your subject or on how to get a place in higher education, or proofread and edit essays and CVs (resume).
Search the attic
Take a good look through you and your family’s attic and basement for any treasures that could be sold. Your aunt’s collection of Elvis t-shirts or your dad’s old vinyl collection could turn out to bring in quite a lot of cash if you sell it over the internet (just ask them first).
Be an expert
If you have a skill or are educated to a high level in something (think everything from French, mathematics and computer skills to plumbing, astrology and music) offer your services as a private tutor. It’s a great way to make money doing something you enjoy.
The perks of the job
It’s worth looking at the most expensive things in your life, and things you don’t want to compromise on, and seeing if there’s a way to get a discount. Working in a restaurant or fast-food outlet, for example, should give you free food or a job in a clothing store will get you a discount.
Work on web
If you know about a subject, or have a group of friends you could do it with set up a website. You can do it for very little cost on your home computer and if you score hits you could make some money out of Ad sense or other advertising packages.
Write up reviews
If you have skills as a writer, you can sign up spas and beauty products for local news papers and magazines or online websites. Not only will you get the experience for free, but you’ll get a small sum for your review or article too.
Strike a pose
If you are interested in fine art, you may be able to model for a life-study art class. For nude modeling you will be expected to remain fairly motionless except for moving poses, and instructors often prefer poses in which the body is being exerted for a more dynamically interesting subject. Many educational institutes hire ort students, but always choose a reputable organization.
Rent out your home
Film, television and advertising scouts are always on the lookout for locations for shooting. Your home doesn’t have to be perfect-it might be just the ordinary interior they are looking for, or you might have desirable outdoor space. Using the interior as a location is usually more profitable than if you just the external view is used. There are a number of online agencies that will list your property for free (only taking commission once, your property is chosen for a short.
Always avoid any that charge a fee upfront.
1001 Little ways to spend less & live well by Esme Floyd
Aside from selling stuff you don’t want any more, you can also be paid for participating in a medical trial and, in some countries, for donations of blood plasma. Check out drug companies for medical center for advice.
Be a reader
If you’re a student, take advantage of your education to make a little extra cash. Offer tutorial services on your subject or on how to get a place in higher education, or proofread and edit essays and CVs (resume).
Search the attic
Take a good look through you and your family’s attic and basement for any treasures that could be sold. Your aunt’s collection of Elvis t-shirts or your dad’s old vinyl collection could turn out to bring in quite a lot of cash if you sell it over the internet (just ask them first).
Be an expert
If you have a skill or are educated to a high level in something (think everything from French, mathematics and computer skills to plumbing, astrology and music) offer your services as a private tutor. It’s a great way to make money doing something you enjoy.
The perks of the job
It’s worth looking at the most expensive things in your life, and things you don’t want to compromise on, and seeing if there’s a way to get a discount. Working in a restaurant or fast-food outlet, for example, should give you free food or a job in a clothing store will get you a discount.
Work on web
If you know about a subject, or have a group of friends you could do it with set up a website. You can do it for very little cost on your home computer and if you score hits you could make some money out of Ad sense or other advertising packages.
Write up reviews
If you have skills as a writer, you can sign up spas and beauty products for local news papers and magazines or online websites. Not only will you get the experience for free, but you’ll get a small sum for your review or article too.
Strike a pose
If you are interested in fine art, you may be able to model for a life-study art class. For nude modeling you will be expected to remain fairly motionless except for moving poses, and instructors often prefer poses in which the body is being exerted for a more dynamically interesting subject. Many educational institutes hire ort students, but always choose a reputable organization.
Rent out your home
Film, television and advertising scouts are always on the lookout for locations for shooting. Your home doesn’t have to be perfect-it might be just the ordinary interior they are looking for, or you might have desirable outdoor space. Using the interior as a location is usually more profitable than if you just the external view is used. There are a number of online agencies that will list your property for free (only taking commission once, your property is chosen for a short.
Always avoid any that charge a fee upfront.
1001 Little ways to spend less & live well by Esme Floyd
Tips on accidents
•Don’t just drive away from an accident even a minor fender bender; wait for a police officer to write a report.
•Exchange information with the other driver. Get the names and telephone numbers of as many witnesses as you can.
•As soon as possible after the accident, report it to your insurance company, even if you don’t plan to make a claim. If you believe the other driver was at fault, contact his or her insurance company also.
•If there’s dispute about who’s at fault, file the claim with your own company. The two companies will fight it out later over the amount each will pay.
•If your vehicle is going to require some repair, ask for a rental car or reimbursement for a rental car. Insist upon a vehicle that is similar to your vehicle.
•Don’t agree to release the body shop or the insurer from final responsibility until you’re comfortable that the repairs and complete and that the vehicle operates properly.
•If you agree to take your car to an insured’s preferred body shop, insist that the insurer provide a lifetime guarantee on the repairs.
•To ensure collision work was done correctly, consider hiring an independent company to evaluate the repair.
•If your vehicle is totaled don’t accept your insurance company’s first settlement offer. Check www.edmunds.com or look at a used-car price guide to se what your car was worth.
•If you have a five-year lease or loan and owe more that the car is worth, ask for “substitution of vehicle,” in which the loan or lease remains in force and the insurer finds you a similar vehicle as a replacement.
•Exchange information with the other driver. Get the names and telephone numbers of as many witnesses as you can.
•As soon as possible after the accident, report it to your insurance company, even if you don’t plan to make a claim. If you believe the other driver was at fault, contact his or her insurance company also.
•If there’s dispute about who’s at fault, file the claim with your own company. The two companies will fight it out later over the amount each will pay.
•If your vehicle is going to require some repair, ask for a rental car or reimbursement for a rental car. Insist upon a vehicle that is similar to your vehicle.
•Don’t agree to release the body shop or the insurer from final responsibility until you’re comfortable that the repairs and complete and that the vehicle operates properly.
•If you agree to take your car to an insured’s preferred body shop, insist that the insurer provide a lifetime guarantee on the repairs.
•To ensure collision work was done correctly, consider hiring an independent company to evaluate the repair.
•If your vehicle is totaled don’t accept your insurance company’s first settlement offer. Check www.edmunds.com or look at a used-car price guide to se what your car was worth.
•If you have a five-year lease or loan and owe more that the car is worth, ask for “substitution of vehicle,” in which the loan or lease remains in force and the insurer finds you a similar vehicle as a replacement.
Sunday, July 26, 2009
International Studies
-Advanced International Studies a-t the Capital of Europe
www.kent.ac.uk/brussels
University of Kent-Brussels School of International Studies
Fulbright Scholar Program Dead line Approaching: August 1, 2009
www.cies.org CIES = Council for International Exchange of Scholars
The Fulbright Program, sponsored by the US Department of State's Bureau of Educational and Cultural Affairs, is the US government's flag ship international exchange program and is supported by the people of the US and partner countries around the world. For more information, visit
www.fulbright.state.gov
www.kent.ac.uk/brussels
University of Kent-Brussels School of International Studies
Fulbright Scholar Program Dead line Approaching: August 1, 2009
www.cies.org CIES = Council for International Exchange of Scholars
The Fulbright Program, sponsored by the US Department of State's Bureau of Educational and Cultural Affairs, is the US government's flag ship international exchange program and is supported by the people of the US and partner countries around the world. For more information, visit
www.fulbright.state.gov
Tips on Being a Tenant
•Before you write a check for an application fee or a deposit on an apartment, ask about the length of the lease, the amount of rent, and the amount of deposit.
•Make sure the lease specifies that water service is included, or that it is billed at the prevailing rate in the community.
•Never sign an apartment lease on the spot. Take it home with you and read it. If you don't understand something, put a question mark next to the item and get an explanation.
•If you pay a deposit or an application fee for an apartment and decide not to rent the apartment, you probably will lose the money.
•Always add a clause to an apartment lease giving you the right to terminate the contract before its normal expiration if your circumstances change.
•Many leases renew automatically unless you notify the landlord that you are leaving.
•Make sure to be present for the move-in inspection, and note everything you can find wrong with the apartment. Be present for the move-out inspection, too.
•If a landlord doesn’t give you back a security deposit, you have the right to sue in a small claims court.
•Renting from a private owner is fine, but be aware of the danger of not being able to renew your lease, or of the owner being foreclosed upon.
•If your landlord fails to respond to maintenance requests, send written requests. If a landlord doesn’t respond to a break down that makes the apartment unlivable, consider paying for the repair yourself and deducting the amount from your next month’s rent.
•If you know you’re going to be evicted try to make some arrangements to move your possessions, either to a friend’s house or into storage.
Internet: www.nolo.com
•Make sure the lease specifies that water service is included, or that it is billed at the prevailing rate in the community.
•Never sign an apartment lease on the spot. Take it home with you and read it. If you don't understand something, put a question mark next to the item and get an explanation.
•If you pay a deposit or an application fee for an apartment and decide not to rent the apartment, you probably will lose the money.
•Always add a clause to an apartment lease giving you the right to terminate the contract before its normal expiration if your circumstances change.
•Many leases renew automatically unless you notify the landlord that you are leaving.
•Make sure to be present for the move-in inspection, and note everything you can find wrong with the apartment. Be present for the move-out inspection, too.
•If a landlord doesn’t give you back a security deposit, you have the right to sue in a small claims court.
•Renting from a private owner is fine, but be aware of the danger of not being able to renew your lease, or of the owner being foreclosed upon.
•If your landlord fails to respond to maintenance requests, send written requests. If a landlord doesn’t respond to a break down that makes the apartment unlivable, consider paying for the repair yourself and deducting the amount from your next month’s rent.
•If you know you’re going to be evicted try to make some arrangements to move your possessions, either to a friend’s house or into storage.
Internet: www.nolo.com
Friday, July 24, 2009
11 website the money pros turn to when they need answers
-Check out your credit score free: www.creditkarma.com
-See if you're eligible to join a credit union: www.CULookUp.com
-Find the best credit card for you, based on your particular credit situation:
www.indexcreditcards.com and www.lowcards.com
-Get a grip on your finances with free money tracking and budgeting tools:
www.quickenonline.com www.mint.com
-Get quotes for auto(www.insweb.com) and life(www.accuquote.com) insurance, or find an independent agent(www.iiaba.net)
-Find out if COBRA is your best health coverage choice if you lose your job:
www.cobraoptions.info
-Check on Insurers' complaint ratios: www.naic.org(click on "Consumer Information Source")
-Are you over-or under-withholding on your income tax? Go to www.paycheckcity.com
-Look up expenses on the funds in your retirement plan: Visit www.moningstar.com and click on "Tools"; under "Portfolio Tools," click "Instant X-Ray"
-Can you afford to retire, say, yes, yesterday? Find out at www.firecalc.com
-Play "what if" with an impressive array of financial calculators: www.dinkytown.net
-See if you're eligible to join a credit union: www.CULookUp.com
-Find the best credit card for you, based on your particular credit situation:
www.indexcreditcards.com and www.lowcards.com
-Get a grip on your finances with free money tracking and budgeting tools:
www.quickenonline.com www.mint.com
-Get quotes for auto(www.insweb.com) and life(www.accuquote.com) insurance, or find an independent agent(www.iiaba.net)
-Find out if COBRA is your best health coverage choice if you lose your job:
www.cobraoptions.info
-Check on Insurers' complaint ratios: www.naic.org(click on "Consumer Information Source")
-Are you over-or under-withholding on your income tax? Go to www.paycheckcity.com
-Look up expenses on the funds in your retirement plan: Visit www.moningstar.com and click on "Tools"; under "Portfolio Tools," click "Instant X-Ray"
-Can you afford to retire, say, yes, yesterday? Find out at www.firecalc.com
-Play "what if" with an impressive array of financial calculators: www.dinkytown.net
The best way to recycle it
Big Electronics
Two Words: Best Buy. They'll take TV's, computers, DVD players and the like, and recycle most of them for free. It's simple-just show up with your junk. The only catch? It'll cost $10 to recycle certain monitors, TVs and laptops.
Good news. You get a $10 gift certificate toward your next Best Buy purchase. Find our more at www.bestbuy.com/recycling
Two Words: Best Buy. They'll take TV's, computers, DVD players and the like, and recycle most of them for free. It's simple-just show up with your junk. The only catch? It'll cost $10 to recycle certain monitors, TVs and laptops.
Good news. You get a $10 gift certificate toward your next Best Buy purchase. Find our more at www.bestbuy.com/recycling
Take 10 minutes
Snack on some grapes.
Recent studies show they may help prevent stomach bacteria that can lead to nasties like peptic ulcers. The antioxidant-rich fruit-try to choose red over green-can also help lower blood pressure and reduce heart damage. (Sadly, the same effects aren't true of grape-flavored soda.)
Recent studies show they may help prevent stomach bacteria that can lead to nasties like peptic ulcers. The antioxidant-rich fruit-try to choose red over green-can also help lower blood pressure and reduce heart damage. (Sadly, the same effects aren't true of grape-flavored soda.)
Subscribe to:
Comments (Atom)