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Networking For The Unemployed

 Jobs  No Responses »
May 172012
 

Those who are unemployed certainly undergo one life’s most traumatic experiences. It is a stressful, life-changing event that can lead to negative, physical, and emotional consequences, jeopardizing financial security, erode the sense of identity, and cause family relationships to deteriorate. So know you’re faced with the biggest challenge and most important job for the unemployed is taking care of oneself. Here are some suggestions to offer assistance and reassurance during times of transition. Develop a realistic financial plan for these times of limited financial resources and carefully assess income and expenses. Cut corners where needed, rely on savings, pick up a part-time job to cover essential bills, etc. There are Counselors that can help to assess the financial severity of the situation, as some will have greater flexibility with money and time than others. Look around the community and find worthwhile opportunities to use your skills and talents. This may be a way to gain new skills, engage in networking, and keep you active and energized.
Encourage your self to seek new job skills not only related to their field, but also skills that will diversify their abilities, enhance your professional marketability, and lead to personal growth. If taking formal classes or seminars is not an option, this can be done inexpensively through self-paced reading, online tools, and resources at your local library. These are some suggested actions that can help the unemployed cope with the uncertainties of transition, and more productively utilize personal time in moving towards a better future. Although it is common for many people to feel as if they might be unemployed forever, in actuality most people find jobs relatively soon. Hopefully these suggestions offer some hints to help us and to cope with unemployment while conducting a job search. The CareerOneStop center offers free resources on information on degree programs, specialty training opportunities, financial aid, certification and accreditation, and licensing for the various states. It also includes career information and links it to education and training plans. There are links to additional training and education information and articles on how to ensure the quality of the training before signing up for a program. The Training and Education Center is part of America’s Career Info net, a subsection of CareerOneStop.

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Government Decisons and Who is Paying for it!

 Financial  No Responses »
May 152012
 

Are we any closer to a government that is affordable, competent or efficient? Unfortunately, the It has been 12 months since President Obama spoke those words before Congress and the nation. One-year evidence clearly shows we are further away from that goal than ever. And while the president will do everything he can to lay the blame on for our nation’s woes on Congress, the fact is, he can only blame himself. Here we are three years later, with unemployment still at an unacceptably high 8.5 percent—almost a full percentage point higher than when the president took office and an economy where the unemployment rate doesn’t even reflect people who have given up hope of finding work. It is President Obama who continues to usher in an explosion of debt, with the nation now more than $15 trillion in the hole. Indeed, President Obama amassed more than $4 trillion of that total in his first three years in office. For example, the president should work with Congress on real spending reform to bring the federal budget under control. But when the so-called Super Committee failed in November to deliver a plan to cut $1.2 trillion from the federal budget, it should be noted that the president was missing in action from the process. While President Obama blasts Republicans for their aversion to raise taxes in the middle of a recession, he has nothing to say about the fact it has been nearly three years since the Congress enacted a budget to fund the federal government. The day of President Obama’s State of the Union address will mark the 1,000th day that his Democrat allies in the Senate have failed to produce a budget at all.
President boasts of cuts to government spending and waste, yet we can look at the figures and see plainly that spending has gone up every year of his presidency. Government continues to grow out of control under his leadership (and to be fair, just as it grew under the leadership of his predecessor). Yet he keeps pressing for higher taxes on job creators and promoting class warfare on “the rich” to fuel Washington’s spending addiction. Cutting regulations? Are you kidding? The president claims to want to cut costly, job-killing regulations, pointing to his own September decision to block tightened ozone rules. But on balance, the regulations his administration has blocked, removed or revised have been a drop in the bucket compared to the new rules and red tape enacted over the last three years. In last year’s State of the Union address, the president sought to inspire by focusing on the nation’s long history of meeting challenges and pursuing dreams: “So what happened,” the president concluded. That declaration is simple, straightforward and it speaks to the vision that many Americans have for this nation and for their own lives and for their children. But if President Obama wants to achieve “big things,” then maybe he should start with laying aside the speeches and spending more time doing what needs to be done to deliver the affordable, competent and efficient government he envisioned a year ago. That means reducing spending, debt and regulations.

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Jobs After Retirement

 Financial, Jobs, Money, Personal Finance, Planing, Retirement, Savings  2 Responses »
May 152012
 

Your golden years are looming closer and closer. If you haven’t started your retirement plan yet, you better start today. You may only have 15 years of your working life, and lots of savings to do. Don’t forget that retirement planning is just one element of a comprehensive financial plan. You’ll want to balance your retirement planning against other important objectives, such as Savings, Budgeting, Insurance, Mortgage payments, and Debt. It’s never too late to start saving for your retirement. Every dollar you put away today will help you after you stop working. There are three commonly available sources of retirement income such as private savings or investments, including individual retirement accounts (IRA’s), employer’s-sponsored retirement plans, such as pensions, 401(K) s and then social security benefits. There is an additional source of retirement income — working after you reach retirement age. And while you may decide to continue working during your retirement years, you may want to start your retirement plan now so you won’t have to rely on this income If you are still in good health at retirement or you need additional income to make ends meet, you may decide to supplement your retirement income by working either full-time or part-time. There are many options to consider, from turning a hobby into a business, to starting your own brand new business, to continuing your old career. A change to social security rules makes this an attractive option for current retirees. It used to be that social security benefits were reduced if your earned income exceeded a certain amount, but now you can work as much as you wish and still receive full social security benefits. Working after retirement may also provide benefits beyond those that are financial; it allows retirees to preserve social interaction and reap the personal rewards of maintaining a working life. Keep in mind, though, you might not want to count on this income as part of your retirement. Your health and the availability of jobs are difficult to anticipate, even over the next few years. If you plan carefully now and make sure you have enough set aside, you may not have to rely on this as a necessary source of income and can choose to work only if you want. Consider your situation carefully today. Once you get into the habit of setting aside money for your retirement, it will be easy and you probably won’t even miss it.

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The Feeling To Be Unemployed

 Jobs, Personal Finance  No Responses »
May 122012
 

The economic turmoil has increased unemployment, foreclosure, loss of investments and other financial distress can result in a whole lot of negative health effects both physical and mental. It can be particularly devastating to your emotional will being. Although each and one of us are affected differently by the economic income troubles, witch these problems can turn into substantially increase the risk of developing problems such as Depression, Anxiety but these are common reactions to stress and there are copping techniques that can help you manage. First by trying to keep things in perspective and to recognize the good aspect of life and retain hope for the future. Developing new employment skills that can provide a practical and effective means. As of now the unemployment has fell to 8.1 percent the lowest ever since January 2009, the Bureau of Labor Statistics reported that the decline was mainly due to 342.000 people leaving the labor force, meaning that the BLS had stopped counting them, as unemployed people in the nation actually fell by 169,000. According to a survey of businesses, that is different than the household survey that generates the unemployment rate. So the job growth has been lower than the 170,000 or so the economist had expected, about 12.5 million people are still unemployed, and a record of 88.4 people are cindered not in the labor source according to the BLS because they have exceeded their unemployment benefits. Also for many of you who are unemployed, this can be an extremely unsettling and uncomfortable time whatever reaction may be, make a Networking list, think of friends, families, colleagues, and acquaintances you can reach out to networking or career guidance advice. In my own initiative I have found people to be amazingly helpful, plus you can make new friends during the network process you never know what may come about by picking up the phone or sending an email to some one. Just remember that the overall experience will be quite positive, the key to contact specific individuals that work for companies you are interested in working for. And for many of you who have already taken steps to claim unemployment and for those who haven’t, need to understand the steps to collect for unemployment. The unemployment process starts with you filing your initial claim. File your Claim with your state’s labor office as soon as possible after you lose your job. Some states requires a full week of unemployment before you can start accruing benefits but you still should apply for them as soon as possible. You’ll need your Social Security number, details from your employment from the past two years and details of any current income you receive you can also retain more information on the internet.

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UNITED STATE POST OFFICE Facing Bankruptcy

 Jobs, Retirement  No Responses »
May 112012
 

It all starter in July 26th 1775 when the Second Continental Congress named Benjamin Franklin as the nation’s first Postmaster General. Washington, who championed a free flow of information between citizens and their government as a cornerstone of freedom, often spoke of a nation bound together by a system of postal roads and post offices. An now two hundreds thirty seven years, seems like everything is going down hill, thousands of Americans is loosing they job at the USPS and what is the worst is that some them spend, a quarter of they life serving one of the older Branch of our Government. Lots of them will be force to go to Unemployment, which it will create the percentage even large. Don’t get me wrong, but I think that Technology is one of the main factor, Our Economy, Recession, Internet, is also a mayor factor why the USPS is in such bad shape. A large percentage of Americans don’t buy Stamps anymore, and it is because Computers and Internet that make so easy to pay our Bills and do almost any transaction in of matter of seconds, therefore USPS Revenue is on the negative side. I read an Article few days ago, and I was stump. This is what was all about it. Unprecedented cuts by the cash-strapped U.S. Postal Service will slow first-class delivery next spring and, for the first time in 40 years, eliminate the chance for stamped letters to arrive the next day.
The estimated $3 billion in reductions, to be announced in broader detail later Monday, are part of a wide-ranging effort by the Postal Service to quickly trim costs and avert bankruptcy. They could slow everything from check payments to Netflix’s DVDs-by-mail, add costs to mail order prescription drugs, and threaten the existence of newspapers and time-sensitive magazines delivered by postal carrier to far-flung suburban and rural communities.. Folks don’t get me wrong, I love Technology, Computer, Internet, but the fact of the matter is, that all these Technology is creating all this Mess. An I hope to Live long to see on the future will not be Schools; everything will be done true the Computers.
That birthday card mailed first-class to Mom also could arrive a day or two late, if people don’t plan ahead.
The cuts would close roughly 250 of the nearly 500 mail processing centers across the country as early as next May.
Postal Service already increases 1-cent increase in first-class mail to 45 cents beginning Jan. 22ND of 2012
About 42 percent of first-class mail is now delivered the following day; another 27 percent arrives in two days, about 31 percent in three days and less than 1 percent in four to five days. Following the change next spring, about 51 percent of all first-class mail is expected to arrive in two days, with most of the remainder delivered in three days.
About 3,700 local post offices will close, and roughly 100,000 postal employees could be cut as a result of the various closures, resulting in savings of up to $6.5 billion a year.

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WILL YOU GET APPROVE FOR A MORTGAGE?

 Mortgage  1 Response »
May 102012
 

Back in 2004-2005 Mortgages where as easy as 1-2-3 to obtain, due to the lack of bankers/Mtg. Companies not checking on the accuracy of the borrowers, Income or Assets well known as SISA loans. Now the Mortgage companies and banks are very careful who gets a loan regardless of good credit and not to mention capital. The unemployed have no jobs to prove income, so the majority of people have credit card debt, another red light? Debt to income is very high, so now we have foreclosures at a rate higher then ever due to financial problems. Now to borrow a substantial amount of money for a Mortgage, the Banks are requiring the borrower to prove himself or herself financially stable, both with credit cards, debt and a job. That’s not easy now a days, the dream of owing a dream home are long gone due to the lack of money there is to borrow, due to debt of income. There are lots of reasons buyers today are finding it very difficult to actually find and close on homes, even on today’s “buyer’s” market: Mortgage industries asset managers must abide by pretty firm guidelines about how low of a price they can accept, and usually can agree to only a modest fair market. So looking back at today’s economy how hard will it be for us to mortgage a home again or for the first time.
It’s extremely difficult to get a mortgage lender to finance the purchase of a condo in a Home Owners’ Associations (HOA) with a high rate of unit owners being behind on their monthly dues (over 15%), or a low rate of owner-occupancy (less than 75%t). Unfortunately, when there are a number of foreclosures or short sales in a complex, both of these rates move in the wrong direction, and units become nearly impossible to buy unless you have lots of cash.
Short sales and foreclosures make up about one-third of the homes currently for sale, which sounds like a wonderland of opportunity for buyers to get into the market at a bargain price. But, often, the best-priced foreclosures in the best condition tend to get scarfed up by cash investors leaving the average first-time home buyers to fight over the dregs, in terms of location and condition. Which means that only Rich people are able to Buy Real State Properties.

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Surviving The Rising Cost Of Living

 Loans, Personal Finance  1 Response »
May 082012
 

With the rising cost of living, is important to understand that when loosing a job, due to downsizing or company mergers as well, there’s also a variety of reasons. But no matter what the reason, it’s important to find creative ways to meet a budget; it’s also very important to look at your finances, debts, and not to mention your credit before taking out loans. There’s many ways to handle your money even if you are employed or unemployed, for example take advantage of sales, look for clearance racks, discounts, there’s also a membership fee at Costco, or Sam’s Club where you can buy in bulk quantities. By planning ahead, consumers can save money, also look at your debt and see how far in debt you are in. You can find reputable companies that are willing to help you consolidate, there are some companies that will work with you on how much you can afford to pay monthly. Negotiate with them on how much you can pay, work out plan. I’m not saying it’s going to be easy but there are so many options out there that many of us haven’t used or maybe don’t have the resources to do so, but there is all kinds of help you, just have to do your home work. Shop wisely and save as much as you can to get ahead and “if you don’t need it don’t buy it”, it’s a matter of discipline! Don’t further your self in debt instead get out of debt. And by doing so, control your spending.

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Shop Wisely And Save Money

 Personal Finance  5 Responses »
May 072012
 

Careless shopping can destroy your budget to great extent. It can put you in trouble with huge credit card debt and your spoil financial plan. The consumers are buying unnecessary items, with little thought and understanding, on needs and wants; we need to manage our money wisely in todays harsh economy. Understand the” Needs” are the items that you can’t avoid in your day-to-day life. Like water, food, etc. “Wants” are the items that you don’t really need and can avoid to purchase. Ask your self, can you afford to buy it and not use credit cards for purchases. To avoid debt while shopping use cash, make a list of things that are necessary to your budget; in today’s harsh economy a large percentage of Americans have more then one job to support their families, pay credit cards, car loans and other debts that has been accumulating from the past. In todays economy it’s important to establish a strong financial plan for the future. In this point and time lets teach our children to plan and save for a better future. One of the most common reasons why we get into debt, and fall back on our finances is because of the poor way of managing our Money.
Keep in mind that the way to succeed in life you must have a
(Strong financial plan, Shop Wisely, Save for the future.)

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Retirement Planning as a Whole

 Education, Financial, Insurance, Personal Finance, Planing, Retirement, Savings  No Responses »
Apr 252012
 

The society of actuaries recently came out with a study from 2009 on a fairly interesting topic regarding retirement planning as a whole. The study covered a variety of topics including asset management, health care planning, and personal risk management along with a variety of other retirement related financial topics that were important to people either in retirement or about to get there. The study consisted of 804 adults ranging from the ages of 40 to 80 (401 retirees and 403 pre-retirees).
Some interesting facts about the financials of the surveyor’s health & finance.
“Current retirees, half of whom retired before age 60, and those not yet retired (referred to in these reports as “pre-retirees”) are analyzed separately. The results are based on a representative sample of Americans and do not provide specific insights concerning high net worth individuals. Only 3 percent of retirees and 5 percent of pre-retirees report having $1 million or more in savings and investments, and 6 percent each of retirees and pre-retirees report having between $500,000 and $1 million. Eleven percent of retirees and 35 percent of pre-retirees indicate they have household incomes of at least $100,000. At the low end of the spectrum, 24 percent of retirees and 22 percent of pre-retirees indicate they have less than $25,000 in savings and investments, while 18 percent of retirees and 6 percent of pre-retirees report income under $25,000.”
As you can see the numbers are all over the spectrum. Some on the high end and others further on the low end.
Some other important retirement planning points from the survey:

a.. Almost all respondents agreed that health care or lack thereof is an important area of concern as they move into their retirement years.
b. A good portion of the survey respondents greatly depends on social security income during their retirement.
c. Housing is still one of the most significant assets in their portfolio of retirement investments.
d. Inflation and cost of living is a concern amongst many with social security benefit receivers.
e. Most have noticed that spending has been reduced greatly over the last few years.
f. Most have limited resources to continue investing in order to improve their financial situation in a positive direction.

Emotions surrounding their retirement seem to be pretty valid and evenly spread out amongst the survey takers. With many things in life there is a certain sense of uncertainty in almost everything we attempt to accomplish. Whether it is financially related or not seeking the help from a professional is always important. In this case a certified retirement specialist should be at the forefront of their commune.

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As The Unemployment Rate Goes Up…

 Careers, Education, Jobs, Personal Finance  No Responses »
Feb 232012
 

It’s normal to feel hurt, vulnerable, or angry after losing a job. The good news is that despite the stress of job loss and unemployment, there are many things you can do to take control of the situation and maintain your spirits. You can get through this tough time by taking care of yourself, reaching out to others, and focusing on your goals. Losing your job can also be an opportunity to take stock of your life, rethink your career goals, and rediscover what truly makes you happy. Our jobs are much more than just the way we make a living. They influence how we see ourselves, as well as the way others see us. Our jobs give us structure, purpose, and meaning. That’s why job loss and unemployment is one of the most stressful things you can experience. Beyond the loss of income, losing a job also comes with other major losses, some of which may be even more difficult to face: Grief is a natural response to loss, and that includes the loss of a job. Losing your job forces you to make rapid changes. You may feel angry, hurt, panicked, rejected, and scared. What you need to know is that these emotions are normal. You have every right to be upset, so accept your feelings and go easy on yourself. Also remember that many, if not most, successful people have experienced major failures in their careers. But they’ve turned those failures around by picking themselves up, learning from the experience, and trying again. When bad things happen to you or going through unemployment you can grow stronger and more resilient in the process of overcoming them. Today, Internet has made the job search easier. If you have specific company that you want to work for, go to their website and see if there are any positions available. Most of the companies have a career section on their company website, where you can search for available positions. If you don’t see a career section or if there are no available positions posted, you can find the human resource manager’s email and ask them if they are hiring. You can also use social networking sites and ask around and get information through your friends.
The most popular method that is used today is searching jobs on job search engines. Those sites have almost all the major job listings in the nations and sometimes international. On those job search engines, you simply put keywords and look for jobs that match your interest the most. You can select specific field, location and types of the jobs. Once you have read the descriptions of the position and meet all the requirements, either you can apply from that site or it will give you a link to the company’s website to apply. You can also let the employers to find you rather than you find the company. Job search engines such as Monster allows you to upload your resume to the website so the employers can view your resume and contact you personally. Also, you can create a profile on LinkedIn and let the employers look at your profile where it has all the information about your education and experience.
Hope this can help all of you out there looking for a job!

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