May 8, 2009
Need a Job? This may help.
This year the country has seen some unwelcomed financial losses and job losses have risen to heights such as ones seen in the 1980’s. There are still some unknowns about what we as a nation will see this year as far as the economy but there seems to be some hope.
I want to point you to some tips and helpful information that you can use to optimize your succes in finding a new job. You may have heard of some of these sites, this is the time to take advantage of them. Here are some tips first…..
- Tip 1 take advantage of free services via the web, church, state, community college, etc where you can build skills and learn best practices
- Tip 2 Learn how to build your resume so that search engines pick up your information before others
- Tip 3 Learn how to build your profile on the web so that others can view your profile and recommend you for a job or possibly hire you. Sites like linkedin, brightfuse, plaxo, facebook are good places to start.
Now for job search sites here are a few ideas to start with.
- careerbuilder.com
- job.com
- monster.com
- theladders.com
- indeed.com
- hotjobs.com
- hotgigs.com
- simplyhired.com
- marketingjobs.com
- salesjobs.com
There are hundreds of job search sites so don’t stop with these 10.
I hope you find this information helpful and wish you the best of luck finding yourself a new and exciting job that you will love.
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May 7, 2009
Need help financially? This may help.
Due to the current financial crisis going on I wanted to direct a post towards programs and ideas that may help you financially during this hardship we are all having.
If you have been laid-off recently or have been hit hard financially due to gas, interest rate increases, medical bills or life in general you may feel stressed out. If you are wondering how you will make your mortgage payments, credit card payments or if you are wondering about health coverage you may find this information helpful and you may be able to finally start feeling relief.
Below you will find some ideas and resources to consider to help you with things from maintaining a roof over your head to feeding you kids, to providing medical security and more.
- For mortgage payments you can contact your bank and see if they have a hardship program to apply for. This will allow you to apply to lower the interest rate on your mortgage without having to refinance and will not negatively effect your credit. If they do not offer a hardship program then the next step you should ask about is if they can assist you to apply for the new programs that the Obama administration helped put into place. For information on the mortgage programs offered please visit this website: http://www.treas.gov/press/releases/reports/modification_program_guidelines.pdf .
- For health Insurance you may be receiving COBRA, did you know that you there is a government program that will assist you in paying your premiums? You can also put the payments into a Health Savings Account (HSA) and save on taxes for that amount. Visit www.irs.gov for more information on applying for the government subsidy. You may also want to apply for Medicaid http://www.aarp.org/money/lowincomehelp/applying_for_medicaid.html, or Mediacare http://www.medicare.gov/
- If you are having problems getting food on the table contact WIC http://www.fns.usda.gov/wic/howtoapply/ or apply for food stamps http://www.ssa.gov/pubs/10101.html
- To discuss programs on credit card payments contact your credit card company and speak with someone about a hardship program or pay-off program, try to get your rate lowered. Be nice and honest and let them know you want to pay but need assistance due to your circumstance. Note: If you speak with anyone that is rude or not working with you it may be best to simply say thank you and call back to talk with someone else.
- For car payments call the car loan company and see if they have a skip-a-payment plan or hardship program. Most companies will work with you.
HINT: Be nice when talking with these companies. Let them know you enjoy their services and want to continue business with them but that you need assistance for the time being.
Some other options for you may be to talk with your church and see if they have funds available to assist you with paying your bills, they are use to helping people and depending on their funds they may be able to help you.
In closing I will add some insight on our financial crisis. Most of our financial problems stem from living outside our budget. Marketing efforts reach into our pockets when they tell us we’ll feel better in the newest car, the biggest house, the trip to Hawaii and all the new clothes and shoes to fit into those lifestyles. As a nation we are impatient and spoiled and thus we are now seeing from the inside out what happens when we think like that. Dave Ramsey has a lot of great information to help us all change our thinking process. His advice not only will help us get out of debt but will help us start making income, actually incoming and not outgoing. Visit his website for some great information www.daveramsey.com .
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Start Living Better Today!
At times like today, with a war going on, a financial crisis, health problems on the rise, divorce on the rise, and a pandemic creeping around the corner, some may ask how can we possibly be happy? I say “Yes, we can all be happy”. I am here to emphasize, to those who challenge this, that we all can choose to be happy in whatever state we are in. We can all choose to make our surrounding environments a little, or in some cases a lot, better. It starts with hope which comes from knowledge, then moves to our choice and responsibility to improve. We damn our progression when we choose not to educate ourselves or improve our situations, by accepting the situation and doing nothing about it.
This blog was created to provide information, resources and guidance on multiple topics (such as, marital advice, life-style guidance, eating habits, financial guidance, spiritual well-being, etc., ) that may end up helping you live a better life.
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Live Better Today! 