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Tuesday, May 15, 2012

Controversy Over social safety - Part 1 - An summary

The group safety principles has been mired in controversy from the time it was first proposed to the present day. The opposition and comment has ranged from the most abstract scholastic conference of its constitutionality to the most shrill and absurd proclamations about it being a step to Soviet-style Bolshevism.

Social safety is unique in that it has been constantly attacked from all sides and has still remained favorite with most American's.

Controversy Over social safety - Part 1 - An summary

Opposition from the right-wing of the American political spectrum has always revolved around two points: the interests of big business and populist opposition to the federal government in general.

Big business opposed group safety because it imposed new taxes, new bookkeeping requirements and undermined the absolute dependence of the employees on the company. The populist opposition stems from the larger issue of state's possession that has been a constant theme in American politics since before the nation was even founded. The state's possession position is essentially that the individual states should have much more power and the federal government should be very limited.

Social safety was obviously an tremendous expansion of federal power and involvement throughout the country and as such was opposed by the state's possession advocates.

From the left-wing, the opposition first focused on the overtly discriminatory aspects of group Security. As these concerns were steadily addressed, the comment from the left tended to argue that group safety was not doing sufficient and that it should be greatly expanded.

The traditional group safety Act of 1935 reflected its time and focused most of its benefits on white men. The measures taken for women were predicated on the woman being unemployed and many benefits could only be received straight through male relatives. African-American's, Native-American's, and other national minorities were approximately completely excluded at first.

Later, after these discriminatory measures were resolved, the emphasis changed to doing more. This includes measures to growth general benefits to efforts to get new medical conditions and subgroups of people included on the list of those that can receive benefits.

Opposition has also come from strictly pragmatic sources that are responding to their immediate self-interest as opposed to being led by political or ideological convictions. For example, prior to 1956 when the Disability schedule was signed into law, the incommunicable insurance industry - that had a monopoly on disability insurance - campaigned and lobbied extensively against not just this measure, but the whole system. A more new example was the Republican exertion to privatize Ssa by transferring the funds held by the government to Wall street speculation firms. In order to illustrate this, it was critical to demonize the government's supervision of the funds. As this would have represented a heavy windfall for the speculation firms, they financed a heavy national campaign portraying the group safety supervision as inept, incompetent, and ineffective. The exertion failed, but represented a pragmatic strike on group safety by the speculation firms as opposed to an ideologically driven one.

Social safety is, and always has been, a "hot-button" issue for many in the United States. The issue has always been surrounded by arguments, lawsuits, propaganda, and appeals to the group to query convert in one way or another. Many of these controversies have resulted in changes to the traditional system. In this series we will look at many of the controversies that have been simulated by the group safety principles and how they were resolved.

Controversy Over social safety - Part 1 - An summary

Friday, May 11, 2012

What is an Internet Marketing enterprise Incubator and What Can it Do For You?

Internet Marketers beginning out are ordinarily individuals working from home or small home offices following their dreams to work for themselves and come to be financially independent.

They may have a day job, be unemployed, stay at home parents, students or just about anyone who has a dream to generate a passive source of income and be able to do what they want to do when they want to do it.

What is an Internet Marketing enterprise Incubator and What Can it Do For You?

The major issue for Internet Marketers is lack of resources whether that be:

1) Time to work on or learn the critical skills to run their business,
2) Money to invest in website amelioration and marketing requirements,
3) Internet marketing master software packages,
4) Planning and strategy knowledge and know-how to ensure the stock or aid they have chosen to generate or promote has a large adequate store possible to comprehend the projected Roi.

An Internet Marketing enterprise Incubator sets out to change the way the game is played for all Internet Marketers.

How Does It Work?

Lets be clear, an Internet Marketing enterprise Incubator is not a continuity schedule or a schedule that has monthly subscription fees, there are a lot of programs or ideas already available that citizen subscribe to and are granted way to inescapable methods, strategies and tools for these fees.

An Incubator is a safe community for birthing fresh, innovative new Internet Marketing enterprise Ideas. It provides way to software, enterprise analysis, marketing expertise, skills training and even funding.

So who operates an incubator and what is in it for them? Typically an incubator will not ask for a monthly fee for participation but rather a different remuneration method to achieve their return on investment. This may vary from proprietary equity positions in the enterprise to a profit share arrangement for the life of the enterprise or a set time period, or even a composition of both.

Depending on the amount of funding and time that is required to successfully rate and analyze the thought and originate marketing plans to generate a sustainable enterprise model or utter operational funding; the speculation Model will change as will the amount of equity or profit share percentage and required payback period.

The Incubator will ordinarily have a amount of businesses they are working with simultaneously to originate new Internet enterprise Ideas so the incubator has an opportunity to cross-pollinate strategies and ideas to all these businesses.

This integral community of sharing serves to benefit not only the Incubators and their needs but the morphing and molding of these participating incubated businesses with the most innovative strategies and diagnosis horizontally as well.

Micro speculation Capitalism

In some ways the incubator acts as a Seed Capitalist or Angel Investor or speculation Capitalists with a twist. It is Micro speculation Capitalism where both parties work together, with their ordinarily agreed goals in mind to achieve the set Roi in the defined time periods by utilizing the funding, software tools, embedded knowledge and a co-operative, entrepreneurial spirit.

The Internet Marketing enterprise Incubator goes beyond the general Joint speculation arrangements or Syndicates that enable internet marketers to utilize each other's lists and to cross promote their products.

Why Join An Internet Marketing enterprise Incubator?

  • Access to a wide range of specialized software that may be too expensive for internet marketers to purchase individually but as per the licensing agreements of the software can be used in any online speculation by the primary purchaser if they have an interest that business.

  • Micro speculation Capitalism - funding to inject into the enterprise to get it launched professionally to make the greatest impact and maximize success potential.

  • One on One Knowledge Transfer and Horizontal store Creative Cross-Pollinization

  • Skill Training, expert enterprise Acumen, store Strategy and Analysis

  • Access to buyer lists from both parties much like a Jv partnership

  • Resource sharing - time, creativity, Plr products.

As all of the financial risk is typically borne by the Incubator and the participants share their innovative enterprise ideas, a clear and detailed description of the enterprise idea is required and both parties goals for revenue, profit, desired outcomes and trust are required.

Ultimately the goal of an Internet Marketing enterprise Incubator is to make the businesses capable of creating the passive income and profit desired and to enable bootstrapping of the enterprise enabling hereafter and continued operation, growth, income and all things this can provide.

What is an Internet Marketing enterprise Incubator and What Can it Do For You?

Thursday, May 10, 2012

Consumer Credit Counseling Services-How They Help in Today's Situation

Top Rated Consumer Credit Counseling Services are something that more people need to use within these bad economic times. This is a time when we have the highest unemployment rate in twenty six years, can you imagine the credit problems that some people are having to deal with? They need someone to reach out to them. make no mistake about that. New credit card laws and effects dealing with thing like bankruptcy are something that so many people do not understand need help working their way through the process. There are plenty of these service companies within the large states such as New Jersey or Texas, California.

The truth is though that a lot of the rural areas of these states still are under-served. A lot of people in rural America run into plenty of debt. Thisfinancial turmoil truly can frighten you and ruin your future. The state of Wyoming has plenty of ranchers and farmers who are out there who are having credit card troubles because they are having trouble paying for their farming and ranching products. Jobs are created through the selling and purchasing of these farming and ranching product so supporting the groups who sell these is important.

If people refuse to support Wyoming farmers and not get them proper credit services then that is scary. Ranchers and farmers within the economy are crucial to making sure jobs and good paying jobs are available. Ranchers and farmers are job creators and when they cannot receive lines of credit then this shows that there is a definite need for reform. Ranchers and farmers need to be supportedand not discouraged.

This can mean that more people within the federal government need to relax regulations on ranchers and farmers out there. People who are congressional leaders need to do more for ranchers and farmers around the country. Whether you represent a rural or urban congressional district you need to be respectful of people who are having credit card problems.

Unemployed

Consumer Credit Counseling Services-How They Help in Today's Situation
Consumer Credit Counseling Services-How They Help in Today's Situation

Wednesday, May 9, 2012

Credit Card Solutions For the Unemployed-How To Settle Credit Card Bills For Less

Unemployment is a big problem for any economy. When People become jobless, they find various sources to earn money whether these resources are good or bad. Using credit card is also one of the source through which a person fulfils his desires by purchasing things on credit. Before the World economic recession, American citizens used to make their purchases through credit cards and then follow the regular schedule of payments. But after the down turn in the economy, these people have become jobless and have no option to pay back the loan amount. Here are some Credit Card Solutions for Unemployed people of America.

Credit card companies have two responsibilities, one is to distribute the loan and other is about the collection. After the economic recession, these credit card companieshave more focus on the collection rather than distributing more cards. So first of all the unemployed people do not need to worry about paying the whole amount because in these bad days, the creditors are not looking for the whole amount but they are going for whatever the debtor can pay. The debtor should consult its credit card company and ask for leniency. The creditors have realized that people have no earning powers so they are not in a position to pay back the loan. They also do not want the debtor to file for bankruptcy because in that case they would get nothing.

Another Solution for Unemployed people is to hire the services of Debt Settlement Company. Sometimes, the common man does not want to indulge himself in the legal procedures and activities. There are some financialinstitutions that help the poor debtors to get rid of the loan burden. These companies negotiate with creditors on behalf of borrowers and try to minimize the debt amounts. These companies help to settle the debt amounts up to 50%. If they get successful in minimizing the two amount, they charge fees in return of the services provided.

These Credit Card Solutions for Unemployed people are also beneficial for those who have their jobs but their credit card debts are far more than their earnings. If a person settles the debt amount through a settlement company, he only needs to be careful that he should not pay any service fee until he gets satisfactory results.

Unemployed

Credit Card Solutions For the Unemployed-How To Settle Credit Card Bills For Less
Credit Card Solutions For the Unemployed-How To Settle Credit Card Bills For Less

Monday, April 30, 2012

What Are Your Salary Expectations?

A question about salary could be one of the most difficult ones during a job interview. The employer always has a set maximum budget for a certain position but they still want to hire the best people for the least amount of money so it is almost certain they will ask you this question. Below please find some tips on how to handle this question.

Firstly you have to decide how much money you really want for this position and what is the minimum salary you would accept. Those numbers may differ. Of course everyone would like to make more than they made in their previous job and they have some expectations towards their future salary. At the same time, everyone has certain minimum compensation in mind.

When thinking about a new job, take into account not only the jobdescription and the set of responsibilities but also the location, how long it'd take you to commute, and last but not least-the whole package offered by your potential employer including health insurance, paid holidays and other benefits. Time is money-if your new position is closer to your home, you will be able to spend more time with your family or on your studies. You will also save yourself a stress of a long commute. If the salary package includes many extras, you may consider taking a bit of a pay cut, if you really like the job.

Furthermore, on the internet you can find information regarding typical salaries in different companies, sectors and locations. This should give you an idea on the salary that might be offered for the position you are interviewing for. One youhave calculated the minimum compensation you'd accept for your perfect job, and your desired salary, you are ready to tackle the "what are your salary expectations" question.

What you have to remember is that you do not have to disclose your exact previous salary. Neither this information can be released by any of your past employers. It is up to you whether you want to share your past compensation details with your potential employer. You can give them the real number or exaggerate your past salary just a little in order to justify your present expectations-just don't go too far with this! A couple of £ k isn't a big deal.

You might consider saying something along the lines of:

"I would expect that salary for this position corresponds with the level ofresponsibilities and duties-what starting salary do you offer for this job? "-this answer does not give any details and it moves the negotiations back to them, just what you would like to see.

As mentioned above-the budget for the position is already set; all you can do now is agree on the exact number.

Your potential employer may respond to your question in several ways:

o The money offered is lower than your expectations and a minimum number you have set for yourself-this job is probably not the best fit for you.
o The money offered is lower than your desired salary but in line with your minimum compensation-you should think of some convincing arguments for a higher starting salary.
o The money offered meets your expectations-take theoffer.

The second response of your potential employer calls for a bit of haggling. Before your lie down your financial expectations and bluntly ask for more, re-consider your situation. The budget for your position is set but the managers might not have offered you a maximum and there is still room for negotiations. If so, you may try to win a slight increase on your starting salary. You may use an argument that your last salary was higher or that you would have expected higher starting salary to go with the increased set of responsibilities for this position.

You may also inquire as to salary details-mentioned in the third paragraph of this article. Ask about extras included in your salary package: days of paid holidays, insurance, family benefits. Your potential employermay also offer some travel allowance or financial help in obtaining professional certifications. You should also ask about the terms and dates of the salary evaluation.

Regardless of the approach you take, you should always end it with a question. You do not want to put forward an argument with no scope of discussion-you need to keep the discussion moving in your favour by always giving your interview an opportunity to respond (rather than leaving the conversation wide open which could result in them changing the subject). Your goal is to reach the agreement in your favour with your interviewers.

Sunday, April 29, 2012

An Overview of Cash Loan Unemployed

If you are unemployed you are certainly facing the most critical situation of your life. Suddenly the doors seem to be closed in front of you. Your life comes to a standstill. And worst of all emergency cash requirement springs up suddenly. Of course, cash loans for unemployed is always there to handle any situation, which seems to drain you out of energy.

For an unemployed there is bound to be a cash requirement. Instead of pending over your failures, browse over the net. There are numerous lenders available on the website "knocking at your doorstep, to bail you out from this awkward situation. Cash loans for unemployed is available to anyone irrespective of credit history.
You can apply for cash loans for unemployed even if you haveapplied for bankruptcy in the past one year. Another factor that makes you eligible to apply for cash loan is if you are currently unemployed. If you have a negative credit history, your bank account information can not be verified, if your contact information is invalid and your personal information can not be successfully identified. This does not stop you from applying or availing the luxury of cash loans for unemployed. In fact, this makes you eligible to apply for unemployed cash loans.

The most admiring feature of cash loan for unemployed is that you are ready with the required cash next day of application for the loan. Easy and fast approval of the loan is a breather for the unemployed. An unemployed is faced with a situationwhere every requirement is an emergency. Considering the financial situation of the unemployed, the easy and fast approval of the loan makes it the more popular.

Keeping in the mind the grounds on which loans are applied for, which means an unemployed coupled with a bad credit history. Certainly, the interest rates are bound to be higher as compared to any other loans. But the interest rate may vary in case of cash loan for unemployed according to the financial situation of the borrower. Certainly, collateral such as home can bring down the interest rate by a few points.

Fast Loans for Unemployed-Bringing Financial Relief Real Fast

A faster approval of loans has a special significance for the unemployed people. Having ended their only source of stable income, finance starts holding a place of prominence in their lives. Without a fast financial assistance in the form of loans for unemployed, they will only go deeper in their debts. Thus, fast loans for unemployed is a necessity for the jobless individual as against a mere desire as in case of the regular loan borrowers.

The rapidity in approving loans for unemployed must not be seen in comparison with the other regular loans. This is because the case of the borrowers with unemployment is special. They do not have a stable financial income and this is often seen as a risky proposition by the moneylenders. Moneylenderswould try to ensure through a series of screening tests whether the money would be safely recovered. The entire process of credit check may be time consuming.

However, one is to ensure that the process is not unduly protracted. A survey of the time taken by loan providers for approving and sanctioning the amount will be advantageous in distinguishing between the justifiable and unjustifiable delay in the process. The time taken for approving the fast loans for unemployed differs between regions and counties. Thus, borrowers must try to get more specific data for a better understanding of the customs prevailing in a particular place.

Making application to the Fast loans for unemployed through the online route will generally be beneficial to borrowers who want tofaster approval. As against the mode of application where borrowers can apply only during the office timings of the loan provider, an online website is available for application at all times of the day. Online application to loans for unemployed saves the time involved in documentation. The loan providers can instantly transfer the details of the borrower after checking the reliability of the borrower.

Borrowers with home or other sufficient collateral to back the fast loans for unemployed will have little difficulty in qualifying for the loans. The lack of stable financial income is made good through the presence of collateral. It is not the collateral that is used up in the process. It is the inherent equity in the collateral that gets consumed. For instance, whenthe loans for unemployed is secured against home, it is the home equity that is used. Home equity is the value that a home can fetch if it is sold in the market at a particular point of time. Fast loans for unemployed taken against ones home is known as home equity loan.

Home equity loans are the cheapest source of finance available to the unemployed. Loan providers understand that at no instance will intentionally endanger the borrower to ownership of his/her home. By being irregular on loans for unemployed taken against home, one is actually endangering his/her home. This assures the safety of the amount lent. Rate of interest being dependent of the risk involved in a particular case will be lower in home equity loans for> unemployed.

Depending on the period that a person perceives that the period of unemployment will last, the manner of consumption of the home equity loan for unemployed is to be decided. If the joblessness is seasonal or may not last long, the borrower will use the proceeds at once. However, if there is no fixed time period within which the borrower hopes to regain employment, it will be advisable to use the money with caution. Loan providers agree to provide money either through fixed instalments or as a line of credit. The latter is known as a home equity line of credit or HELOC. The biggest advantage of HELOC is that borrowers are charged interest only on the amount drawn and not on the entire sum sanctioned as loans for unemployed.

Do the> unemployed people without home have no respite? Mitchelson. Nowadays, loan providers do not intend to leave any group untouched from their services. Customer groups that wouldn't have thought of qualifying for the loans too get finance at slightly different terms if they make an exhaustive search. The same applies to fast loans for unemployed for tenants. Fast loans for unemployed tenants are generally unsecured and thus carry a higher rate of interest. An unsecured fast loan for unemployed tenant would thus be expensive. An exhaustive search process will ensure that tenants are not "overcharged on fast loans for unemployed for tenants because of their homelessness. It is necessary to unearth fast loans for unemployed tenants from the largenumber of loan providers and an exhaustive search process will certainly go a long way in this venture.

The unemployed people use the unemployment dole that they receive from the state for making the repayments. The unemployment allowance will also be used for disbursing the other expenses that crop up. Loans for unemployed of greater amount will leave very little of the unemployment allowance for other expenses that are important too. Thus, borrowers must decide the fast loans for unemployed with proper care because any erroneous decision at this stage only creates more problems for the unemployed individual.

Saturday, April 28, 2012

Private Lending

Private lending is usually done by specialists who fund ventures which have a higher degree of risk because they have thorough knowledge of the market segment that their money is going to be used in and clearly understand that the increased risk comes with the promise of greater opportunities in making profits.

Friday, April 27, 2012

Benefits of Deforestation

Whenever people talk about deforestation, usually the things that spring to mind are negative thoughts brought on mostly by media hypes and environmentalist drives. People think about global warming, depletion of natural resources, and the casual extinction of indigenous fauna and flora. Yet people don't seem to realize that there are actually quite a few benefits of deforestation.

One of the easiest benefits of deforestation to spot are the economic ones. Lumber products are one of the most staple constructive materials in human society. Whether it's raw lumber used for making tables and houses, or paper and other wood by-products, we simply cannot live without the use of lumber. Like steel and stone, wood is one of the most basic natural resources, and unlike steel andstone, it is renewable simply by growing more trees. The only real trick to balancing it's consumption is to grow more trees to replace the ones taken.

On a similarly related notes, keep in mind that a lot of jobs revolve around the use of lumber. Wood cutters aside, there are those who work in processing plants to make glue from wood sap, process pulp into paper, and others. This is another benefit of deforestation; it opens more job opportunities for people who would otherwise be unemployed. These job opportunities are more than simply a humanitarian concept; society at large would suffer if all of the people working in the wood industry were to suddenly find themselves jobless.

This benefit of deforestation not only covers the people who cut down trees and processthem, but also extends to the people who clean up after them. For every patch of forest cut down, arable land becomes available for farmers, or can be used as an area to place urban living sites like apartments, houses, and buildings. The number of people employed by such a construction project are many and varied. Or, if the city/government mandates replanting trees to replace the lost ones, then jobs are also provided for those people who do the seeding after a patch of forest is stripped.

Thinking about it, the cleared areas are places which provide a lot of potential for growth, and this is yet another benefit of deforestation. As stated above, arable land is valuable, and the act of deforestation to clear a place for farm land provides a much needed additional food source forman. More often than not, the soil in a forest is much richer than that of regular farm lands because of the wide variety of life it supports. This new land area grants a much needed place to grow a food supply to deal with the planet's steadily expanding population of humanity.

Then, of course, there is the fact that these cleared areas may be razed for urban renewal. Given our burgeoning population growth, additional living areas made on cleared forest land is another benefit of deforestation. These places can be converted into more than just housing areas. Buildings which can house offices for work, or factories to produce clothing and other essential items, or even research facilities for things like new medical or technological advances can be placed in these deforestedareas.

Lastly, another benefit of deforestation to consider is the access it provides to other natural resources that may lay within the forest's land area. Some places with heavy forests are home to iron ore, mineral, and even oil deposits which can be used for man's needs. These natural resources would otherwise lay dormant and untapped unless people access them. The act of deforestation may not be entirely necessary to get at these deposits sometimes, but coupled with the advantages given above, the combination of opening up new mines or oil well when taken with extra living space or farm lands for food makes a lot of sense.

Thursday, April 26, 2012

Obtaining Your Personal Loan Up to 10.000 Dollars

If you need to make a major purchase, chances are you will not have enough money in just a single paycheck to cover items like appliances, furniture and more. What you need is a personal loan that can help you buy the things you need now, available to you with low monthly payments that are tailor made to fit your budget.

Money To Pay For Things You Need

You can use your personal loan for any purpose that you may have. Many borrowers find that a personal loan is perfect for making major purchases like furniture, appliances, flooring, new roof, even a used car. Other borrowers may elect to take a vacation or cruise of a lifetime with their personal loan. Whatever you choose to do with your personal loan, there is one out there to meet yourneeds.

Borrowers With All Types Of Credit: Welcome

A personal loan can be secured or unsecured, and is available for borrowers with all types of credit. The secured personal loan involves placing the borrower collateral against the amount of money borrowed. Acceptable collateral is usually your home or car. The lender will place a lien against your property until you have repaid the loan in full. An unsecured personal loan is not backed up by any type of collateral, and is a bit harder to get if you have a credit score under 700; however, if you wish to apply for your unsecured personal loan with a cosigner, you stand creditworthy to better chance of approval.

The amount that you qualify for when applying for your personal loan is dependent not only on yourcredit score, but also on your ability to repay your lender. Your personal loan lender will look at how much income you have out as it relates to the amount of other bills you must pay each month, such as your rent or mortgage payment, credit card bills, etc. If you are married, and your spouse wishes to apply with you on your personal loan application, including his or her income will not only improve your chances of getting the loan you need, but will also allow you to borrow larger amounts, up to $ 10,000 or more, depending on your combined incomes.

It is important that you do not over extend yourself by borrowing an amount that is more than you can reasonably afford to repay. Doing so may cause you to become behind on your personal loan payments or obligations to other creditors,which can effect your overall credit score in a negative manner. Never agree to pay an amount each month that exceeds what your budget can handle.

Finding The Best Personal Loans

To realize savings on your personal loan, both secured and unsecured personal loans are available online. Online lenders not only offer the ease of applying from the comfort of your own home, they also have greater rates of approval for borrowers of all credit types and reduced interest rates due to competition between lenders in the online lending marketplace.

Tuesday, April 24, 2012

Cash Advance For Unemployed-A Cash Assist Till the Next Job

Cash Advance for Unemployed is a kind financial invention that provides instant cash loans for the unemployed people to meet the unforeseen "– event at the earliest. It is very useful monetary option for the jobless individuals that considers their loan needs and time by which they needs it. An unwaged person, because of his poor economic state and lack of a stable source of income is often considered uncertain when it comes to providing such loans. The main concern of the lender is about the hopeful's ability to pay off the funds with interest rates.

Since the hopeful is already under pressure in managing the finances, so he/she is counted in less financial ability. It is a matter of common understanding that the interest rates and the threat associated with aportfolio are contrary proportional. These loans are so popular among the lenders due to the high interest rates. Cash Advance for Unemployed do not differentiate on the basis of status of employment as is superficial by some. The high interest charge takes care of the lender's high risk associated with the deal with an unemployed person.

These loans for the unemployed people have gained a negative reputation for being very expensive due to high interest rates and the high late fees. I know, this is advisable for the borrower to analyze the advantages of Cash Advance for Unemployed. Beside these advantage there are number of advantages associated with the loan also. First advantage is the speed of the credit and one can use the availed amount within 24hours. Second thing is that lender doesn't consider the credit score of the borrower.

The borrowers should try to pursue an ordinary selection procedures and consider the various loan options very wisely. Since the time taken by the lenders to approve the loans is fundamental the borrowers should try to review the time taken by the lenders to loan procedures. There could be a transaction between the time taken to process a loan and the value of service from the lenders.

Monday, April 23, 2012

How to Choose an Epic Name for Your Mud Run Team

Choosing the right name for your next team mud run is a crucial step in ensuring that your mud run is one of the most fun and memorable challenges that you will ever endure. Your team name can signify many things, such as strength, humor, a cause, a place, a company you work for and your teammates, the name of your favorite TV show, a cool band or hero from your childhood, or a hobby you all share. So, start with the basics. Discuss with your teammates some general ideas. There's a common reason you are on the same team ... find it!

A great mud run team name will ring with simplicity, but will stand out from the crowd with its creative edge.

Here's a few tips on how to build an epic name for your mud run team.

Keep it dirty. After all, this is amud run you are training for, correct? So a solid approach is to incorporate the idea of mud, running, and uncleanliness into your team name. Nutty Rudders, Dirt Mud, Mud Runaways Skirts are some examples that keep it dirty!

Because the hero lies in you.

An easy way to get yourself a nice retro-sounding name is to think back 10 or 20 years and dig up an old superhero, Wrestlemania star or cartoon character. Rather than simply name your team after an animated icon, though, you might want to shake it up a bit. Examples include: Hogan's Vegetables, Batman and Robinhood, Dagwood's Dirt Diggers.

A rubber band or paperback writer.

How about a band or song title? This is an easy-peasy way to get a sweet name in no-time! I find thatRadiohead songs make great, albeit, uncanny team names. Also, country songs and lyrics seem to work well, as do just about any Beatles song, lyric or album. Examples include: Karma Police, A Boy Named Sue, Maxwell's Silver Hammer.

Would you rather be on family guy, a top gun or a killer tomato?

When using a movie or tv show as the basis of your mud run team name, don't immediately discount box office flops, as bad movies/shows often make for very amusing team names. Classic movies and shows will give you broad crowd appeal, while sci-fi flicks or some avant-garde titles may make you sound nerdy. Examples include: The Glitters, The Phat Girlz, The Flying Nuns.

Okie from Muskogee.

Where are you from? Use it for your team name to giveyourself some local flair and give a nice shout-out to your peeps back home! If you live in a place with a strange or funny name, this works even better. Examples include: Moscow Mudders, Dirty Doghouse Junction Boys, Kissimmee Cougars.

Be yourself.

Do you have a grandiose sense of self importance and require excessive admiration? Inter-personally exploitative and take advantage of others to achieve your own ends? Do you believe that you are "special" and unique and may only be understood by, or should only associate with other high-status people? Congrats, you are very likely to self-indulgent, or perhaps a smug punk. Either way, why not use your self indulgent nature to represent your mud run team? Examples include: Jeff's Jailbaiters, Harvey's Hammerheads,Crystal's Crystalballers.

Topic of the week.

A great reference for current events and trends is, of course, Twitter. Take a look at what's trending and make it your own. For example, my wife told me that today was the last episode of the soap All My Children, which had a 40-year run. Names such as "Later Kids", "bye-bye Brats" or "All My Children Left Behind" might work here.

Corporate Creativity.

Frankly, most corporate names aren't much to write home about. Not to worry, if your goal is to be loyal to your workplace and still maintain a creative edge, just consider the role you and your teammates play at the company and work from there to build your name. For example, if your team's area is "copyrighting" or "editing", somethinglike the "Write Stuffers" or the "Pink Ink Blots." For substitute teachers, try "The Replacements" or "Recess" Ramblers ". For the unemployed, try to come up with your very own fake business name.

Astounding Adjectives.

Lacking that creative spirit? No worries! Just jot down a few adjectives or adverbs mediocre to describe you or your team, such as: good, bad, cool, scary, rad, dirty, great, lucky, old, new, etc. You get the idea. Punch in your favorites at thesaurus.com and find something with a little more pizzazz. Examples include: Ludicrous Speed Demons, Prodigious Pall Bearers, Flabbergasted Foursome

Hilarious Imagery.

An effective way to get a real fun team name is to simply close your eyes and picture an image orscenes that constantly makes you giggle. I suggest you refer to puppies, babies, cute or funny toys, stupid-drunken group activities you used to do in high school or college, circus acts or just about any scene or Dumb & Dumber quote from. A few examples include: Cow Tipping Dwarfs, Fire Breathing Rubber Duckies, Petey and the Blind Kid.

AH4HA (Acronyms Help for Head Aches)

Acronyms, or as Wikipedia likes to call them, "acronyms and initialisms are abbreviations formed from the main components in a phrase, name or word. Use individual letters like KISS (Keep it simple stupid!) or parts of words like Nabisco (National Biscuit Company)

Rhyme time. Rhyming words and syllables is an easy way to lighten up a mud run team name withoutgrinding your gears trying to be creative. A fantastic resource for finding a word that rhymes with ___ is RhymeZone.com. Some examples: Dirty Thirty-Somethings, Beer-Queers Lickety-split Cut Skuttle Butts

A picture is a thousand words. One thing to consider as you choose your mud run team name is your t-shirt design. I prefer a minimalist approach here, a simple silhouette or a few words in block letters. Sometimes you might need to illustrate your team name on your mud run uniform for others to actually getthe joke. If this is the case, you might reconsider choosing a name that will resonate in text form as much as it will artistically rendered.

Other meanings. If all else fails, you can always spend a few minutes/hours/days on Urban Dictionary,the best source for finding the pop-culture definitions of words and phrases, rather than the Merriam-Webster ones.

See this full article and more at www.mudrunmaniac.com.

I can't Pay My Payday Loans Back

When I can't pay my payday loans back, I know I am in a world of hurt. When I can't pay my payday loans back and I find myself with multiple cash advance lenders deducting from my paychecks with no end in sight, it can feel hopeless, and unfortunately I am not the only one to experience this misery.

What to do If you can't Pay

The first thing to consider when you cannot pay your payday loans as agreed, do not panic. The normal reaction is to become overwhelmed and emotional, as it can feel like there is little hope to ever climb back out of your situation. This is not true, you have options.

If you have multiple payday lenders withdrawing money from your accounts and you are unable to pay them back, the first step is to immediately call your paydaylenders. Do not be afraid of communicating with your lenders, as they do not want you to be delinquent on your bills either.

Discuss your situation with your payday lenders and try to put together a payment plan that is manageable. If you find the customer service agent unhelpful or unsympathetic, ask to speak with a manager, as they will be more responsive to your needs as a borrower. Clearly indicated that you intend to pay your loan but are simply unable to under present conditions.

You achieve two goals when you communicate with your payday lender like this. Payday lenders commonly have many accounts in default and have programs to work with you. They often will not report you to the credit bureaus so your score will not be negatively impacted while you work to repay yourloans but they typically will report you to teletrack if you do not communicate.

What is Teletrack?

Teletrack is a reporting system used by payday lenders that keeps track and pursues delinquent accounts. They are very aggressive and will call your home multiple times throughout the day and are very annoying and not pleasant. It is best to avoid being on their radar if you can.

If you find yourself being pursued for a delinquent account that much can be said by the telephone operators, but the truth is that your payday loan delinquency is a civil offence, they can sue you, but you can not be arrested.

The laws regulating payday lenders can pursue how repayment of your delinquent accounts vary from state to state. Knowing the state laws restricting payday lenderscan greatly benefit you and it is worth using the internet to do a little research for your particular state.

After you have contacted your lender in hopes of putting together a manageable plan to pay back your payday loans it would be wise to speak to a financial or debt counselor. You may qualify for debt consolidation loans that can reduce your payments, or benefit from some personal finance shuffling.

Ultimately, I was able to pay back my payday loans by taking on a second job. It was an unpleasant period but hard work and perseverance saw me through it, and the lessons learned I hope I will never forget. If I can't pay back my payday loans now, I would follow these tips.

Sunday, April 22, 2012

Learn How to Start a Debt Collection Business

It can be both worthwhile and profitable to learn How to Start a Debt Collection Business. With growing consumer debt and therefore in greater need now than ever for debt collectors, this is a great time to break into the field and start on the road to financial independence. Essentially, a debt collector does is help businesses collect delinquent debts through the telephone and mail. This means low overhead and start up costs making learning how to start a debt collection business a great first step towards self employment and the freedom that comes with it.

Estimated start-up costs and pricing guidelines:
The low overhead and start-up costs make a debt collection business an ideal choice for people looking to start their own business. With a personalcomputer, cell phone, fax machine, and other home office essentials such as a printer, a person has just about all of the essential equipment for less than $ 1500 if they shop around for bargains. But part of the start-up costs should include some allotment to pay online investigation companies to help you track debtors.

While prices vary, a good rule of thumb is that learning how to start a debt collection agency will generally net you 20-30% of what you collect on the behalf of business clients. Of course debt is classified and if you start out trying to collect older debts, there is the chance that the commission can go as high as 50% or even 60%. Of course the commissions are higher because the chances of collecting these older debts is less. All told, pricing generally dependson the likelihood of collecting the debt and that is generally based upon the age of the debt.

Recommended experience, skills, and training:
Without question, it is a mistake to think about learning how to start a debt collection agency if you do not have any debt collection experience. The industry demands a lot of patience, empathy, and a fairly thick skin in order to have a decent chance for success. If you have not experienced the demands and stress involved in debt collection, then you may at least want to consult with some people in the industry before thinking about a business in this field.

Marketing tips:
As other businesses will be your potential clients, you are going to want to create and maintain a website that looks as professional aspossible. Budget permitting, you may want to hire a website creator and a freelance writer to help you create the best website possible and achieve higher search engine rankings. You will also want a listing in the Yellow Pages and it may be a good idea to join local networking groups to help you in spreading the word about your company.

Financing sources:
Being a home based business in most cases (at least in the beginning), financing options are limited and a conventional business loan from a bank will be difficult to obtain. However, with good credit and a well conceived business plan, it is possible to receive a business loan from your local bank. Grants from the local, state, and federal governments are available and can actually be a great source of financing. Ifthis is not an option for you then you may have to learn how to start a debt collection agency with your savings or the generosity of friends and family.

Income Potential:
The income potential for the first full year of operations can be in the high five to low six figures. Depending on the type of you attempt to collect debts and the fees you are able to negotiate, debt collection can truly be a very profitable business. If you are wanting to know more about how to start a debt collection business, a good book to consult is "Start a Home Based Collection Agency," by Robert Bill.

Competitions-How to Write a Winning 25 Words Or Less Answer

Not sure how to answer 25 word or less questions? Often the judges are looking for the most creative answer, so here are a few ideas of how to get started:

1. Use humor

Often judges are inundated with depressing answers on why someone should win, for example "My cat died, and the new car will help cheer me up". To set yourself apart from the rest, try using a funny answer. For example,

I need a new car I'm an unemployed actor, It's hard getting to auditions on my rusty old tractor.

2. Poetry

It doesn't matter if you were no good at poetry in high school. Creating a simple poem is easy, especially with the websites available today to help find rhyming words. Here are some examples of how you could use poetry to answer the question, "Tell us in25 words or less why you want to win the holiday "

Kids are driving me crazy, Work is making me bored, The perfect solution to my problems? A fantastic holiday abroad.

Or you could try an acrostic "poem:

H ~ Having fun
Or ~ Overseas break
L ~ Lazing by the pool
The ~ Island Paradise
D ~ Dream's come true
~ Amazing food
Y ~ Yummy cocktails

It is also important to remember who you are writing for. For example, if the prize is tickets to a comedy festival, chances are that a funny answer will have a greater chance of success than other entries.

Saturday, April 21, 2012

Legitimate Payday Loans Online With No Credit Check

With an online world that is so full of scams, hype and gimmicks it can be hard to find legitimate online payday loans. When you need cash for something that you need to pay, you don't have time to waste with scam websites and gimmicks. It's a big waste of time to have to go through the Internet trying to find a legit payday loan.

The good news is that there is a real loan company or two on the Internet that can give you a legit payday loan without the need for credit check. There is no credit check whatsoever. All you have to have is a job which is a way to pay the loan back. There isn't even any qualification other than having a job and being over age 18. Being over 18 is because you can not enter into any type of loan agreement unless you are of legalage.

Some people get frustrated that some Web sides say the have to have a checking account. This is actually not even true and no checking account is really needed with any legitimate payday loan company. They will ask you and tell you that you have to have a checking account, definitely.

The reason that they say you have to have a checking account is because if your payment bounces they are more likely to get their money, however you will get an insufficient funds charge from your bank if you don't have the money in your account for your payment. If you use a checking account, then there is no type of overdraft fishing protection and the payday loan company is less likely to get their money for the payment if you don't have it in your account.

There is in fact no way for apayday loan company, insurance company or anybody else for that matter, to be able to distinguish between a checking account number and a savings account number.

There are legitimate payday loan companies online that can help you. If you need money now, you can get up to $ 1500 in cash money deposited directly into your bank account. All you have to have the job, be over 18 and be you say you are.

Positive Words of Encouragement

A candle loses nothing ' by lighting another candle ~ Erin Majors. '

Jennifer Cline wanted to encourage President Barack Obama. Jennifer, a 28-year-old mother of two and nine year old boys, has been unemployed since losing her job as a pharmacy technician in 2007.

Despite her troubles, Jennifer wrote the President a cheerful three page letter describing how her family was faring despite job losses and her medical battles with skin cancer. You would think that she had a scant amount of time or energy to write to the embattled President, but she wrote anyway.

Jennifer nearly fell over when she opened her mailbox one morning to find an elegant looking letter addressed to her from the White House. President Obama's signed, handwritten response to her letterread: "Thanks for the very kind and inspiring letter. I know times are tough, but knowing there are folks out there like you and your husband give me confidence that things will keep getting better. "

Encouragement for encouragement. Strength for strength. Hope for hope. The President's letter became the gift that kept on giving. Having been pursued by an ardent autograph collector, Jennifer decided to sell the memento to help tackle her family's growing pile of bills.

"I needed to do what's best for my family, and this was best for my family," she said.

Jennifer and her husband used about $ 3,000 of the money they received from the President's letter to pay down bills, many of which are related to two forms of skin cancer that Jennifer has battled into remission. Theremaining money has been set aside as part of a down payment on a future home.

What I love about this story is how it demonstrates the law of the candle. Jennifer used her little light to send light to President Obama, President Obama sent light back to her. And everything got brighter. That's what encouragement does, it blesses much more than it costs.

It may only be a few words, an email, a hug or a cup of coffee with someone who could do with some kindness. Come to think of it, why not be wasteful and give your light away even to people who don't seem to need or want it.

The more light in this world, the less darkness. The more likely we are to see each other clearly.

Friday, April 20, 2012

Unskilled Mining Jobs WA

Mining industry in Australia offers equal opportunities to both skilled and unskilled labour "from around the globe. Getting a job in the mining industry easier than most people may think. Mining industries in Australia will hire people with little or no experience for several unskilled mining jobs and will train them. Gone are the days when mining in Australia was a high risk business. Leading edge machinery and world class safety measures have reduced the risk in employing the unskilled mining workers.

Hundreds of mines operated in Western Australia. Due to sky-rocketing figure global demand for minerals, the mining industry in Australia has a huge, all time high demand for unskilled labour. There are examples of a lot of professionals with years of experience and skills in atotally unrelated industry change their profession to reap the benefits of a fat paycheck. With the right information you can basically just walk in off the street and they will train you. Great paying unskilled mining jobs, with no experience or licenses can pay 1400-1700 AUD a week.

All the mining hot spots like Olympic dam, Karratha, Port Hedland, Mt Isa and Kalgoorlie are facing massive workforce shortages due to the mining boom. The unskilled labour shortage was so high; the Australian Government ran a pilot program offering $ 5000 to unemployed people to move to Western Australia to take up unskilled mining jobs. The pilot program was the beacon of Western Australia's mineral wealth and prosperity.

Individuals with no experience or skills can work as a drillerspreparer, offsider, sample assistant surveyor to geologists, or assistant. Alternatively an unskilled individual can choose to opt for cleaning jobs, kitchen jobs or catering jobs. Drillers Offsiders ' help in moving, deploying and operating drilling rigs to drill holes for, exploration for minerals and site investigation. Geological Sample Preparers work involves the sorting, crushing, splitting and milling of the collected geological samples, in addition to other laboratory errands.

A Surveyor Assistant assists the Surveyor in setting up of the survey equipment, helping the surveyor in field and office duties, monitoring the supplies inventory and maintaining the survey equipment. The responsibilities of a Geologists ' Assistant are assisting the Geologist in day to day drilling andcontractor management, collection of representative samples and helping the Geologist in safety initiatives.

Some of the other openings that require little or no skills includes catering, cleaning, tending the wet-mess bar etc. Job vacancies of this sort require some prior experience and often a car licence is required.

Thursday, April 19, 2012

How to Start a Catering Service

Want to know how to start a catering service? Keep reading.

Starting a catering business from home can be a great career for people that enjoy planning, cooking and working with customers. The job of a catering business from home is to ensure the meal, appetizers, desserts and drinks are perfect for the client's event. Catering services are used for conferences, xyzproxy, anniversaries, and, of course, weddings.

In fact, you can specialize by doing only wedding catering and keep yourself busy & your catering service growing. You need to be creative and have a great deal of knowledge about food. However, this is just the tip of the iceberg. Catering can be hard work.

The first step in starting catering company is to create a catering business plan. This planwill be needed if you try to get a loan to help your business get catering off the ground. It will also help you organize yourself and your business, by answering questions, and ensuring your services are professional and dependable.

When you start a catering company you will be required to have many licenses and certifications, and must adhere to Health Department regulations. You will need to contact your local Health Department for the specific regulations, certifications, licenses, and insurance information for your area. The Health Department also usually requires an inspection of the area to be used for your catering business.

With your catering business start up, you have to decide what types of food you are going to offer. Once you have decided on the food, you needthe equipment to prepare the food and a way to transport it. Some places you will be working will have a kitchen that you can use for final preparation, but the majority of work will be done at your location.

If you don't have a background in cooking or if you want to be able to get more creative and exotic, you may want to look into cooking classes at a local community college or even to culinary college. You may be able to find a culinary college that offers classes in catering business management. Being able to attend those types of classes, as well as cooking classes would be beneficial and relieve a lot of stress.

Once you have your certifications, training, insurance, and you have compiled with the local Health Department and any other government regulations, you areready to finalize what catering services you will provide and the associated fees. The best way to get this information is to contact some local caters. Find out what they offer and their fees. Do the same with any restaurants that offer catering services.

Marketing of any business can seem almost impossible. However, you have many options. You can write a press release for local newspapers and radio stations. You can offer your catering services to fund-raising events. You can invite wedding and event planners to a tasting of some of your food. If they know your work, they are more likely to hire you. Once you get your catering business name into the community, your best advertisement will be word of mouth.

Now you know just a few things about how to start catering. If you'restill interested then your next step is to get more information about the industry and the training required. There are plenty of books, such as the Complete Idiot's Guide and other similar series that can help you get started. You should also subscribe to industry magazines to stay ahead of the trends and your competition. The internet is another great place to find information, recipes, trends and other issues of catering services.

The last step is to do it. Whether it is just part-time or full immersion, remember that through all the hard work that in the long run it will be worth all the effort. People will always need catering services. The potential for growth in this industry is unlimited. There is always room for one more catering business to share the wealth.

Wednesday, April 18, 2012

Job Searching

To start searching for jobs, one first needs to know what type of job is suitable for him/her. To know this, one need to first explore all possible avenues by meeting different types of people, reading newspapers, newsletters, visiting different employment agencies and searching the Internet. This helps to realize what field, what type of job and what type of employer is best suited for him/her.

After having decided this, one needs to prepare his/her resume. A good resume is self explanatory and speaks about all the important milestones in the prospective employee's professional life. It provides a confident as well as a natural view. Various job search engines on the Internet provide tips on writing a good resume. One should check this out before writing a resume. Theresume should be modified as and when required depending on the type of job for which application is being made. Cover letters for each Separate category of job should be provided with the resumes. Even after applying for jobs, research on different categories of jobs and companies should be continued to be aware of the latest trends in the market.

Next, one should prepare separate lists of recruiters and companies to identify the ones which have to be directly approached and those for whom the mails or phone calls have to be made.

To get advice on what type of job is suitable one should consult experts as well as search the Internet. Answers to probable questions should be prepared and lot of people should be met to increase the confidence level. If required, one's wardrobeshould be modified according to the dress code required for that particular kind of job.

One important factor while searching for a job is to think boldly and energetically without fearing for rejection. One needs to think beyond other's approval and only think for own approval.

Applying For Grants For Minority Women Has Never Been Easier

There are many other financing options that are available to you if you want to start a business. Grants For Minority Women and Foundation Grants are available for minority entrepreneurs, student business training, business expansion, the unemployed, community based business opportunities, real-estate ventures and investment, researchers and inventors that's just to name a few. Much of the grants available for minorities are really government contracts set aside for minorities or disadvantaged businesses.

If you do find Grants For Minority Women available for your business, be ready to go through a lengthy, approval process. In many countries, grants available for minorities are targeted for small businesses so that the people belonging to the minority group mayavail themselves the sum of money to start and expand their business.

When looking for Minority Women's Grants, remember Government Programs and private organizations don't just give away small business grants to anyone who wants to start their own business. Grants For Minority Women and minority persons are like a loan that you never have to repay, take advantage today of the federal funding set aside for you. Do you have the time and resources to search for this type of funding and apply?

For your information, many people searching for information related to Grants For Minority Women make the mistake of searching with spelling mistakes for words and phrases such as minority minority grantx g5ants, mijority minorify, grants, grants or even minprity grants.

ATsuccessful grant application/proposal takes planning, research, and careful writing to produce a profitable outcome. It's important to understand the more detail you provide to the committee, the better your chance of being selected will be. The more in-depth the information, the better your chances the committee will understand what you are planning to accomplish.

Follow These Basic Steps To Start Your Grants For Minority Women's Application:

* Define what resources, materials and personnel you will need to achieve your goals.

* Determine your funding needs. How much money you will need for materials, training of new employees, advertising, rent etc.

* Determine your funding needs. How much money you will need for materials, training of new employees, advertising,rent etc.

* What are your goals? Decide exactly what you're looking for. Are you simply looking for funds to make a purchase of materials, or are you looking for some other outcome as well? Who will gain or benefit from you reaching your goals and what, exactly, will that gain or benefit be?

* When you know what you want, write down a list and short description of your goals. Make certain that your language is clear, simple and concise and you have explained the purpose behind you goals.

Many people looking for information about Grants For Minority Woman also looked online for application for pell grant government grant application, and even education grant applications.

American Express Small Business Network wants you to sign up for their card, but you canalso find useful information on Starting a Business, Finding Money, Export/Import, Marketing and Sales, and other topics. An excellent book to learn how to develop a business plan, set up your books, and get financing and major government or corporate contracts is The Complete Startup Guide for the Black Entrepreneur by Bill Boudreaux.

Assisted by the latest information and technology, there are small business advisors who will guide you through the process of receiving your very own share of government small business grants and loans.

Be sure and check the web for sites that will help you through the process and give you valuable information as well as the tools to become successful. Here are a few things you can find:

* Free Grant Writing Software to help make theimpossible, possible.

* Free Actual Government Applications

* Grant guides that provide you with all the Tips, Tricks, and Trade Secrets for hunting down and obtaining Government Grants.

* Complete listings of Government Grants by Category & Agency! (Business Grants, Women's Grants, Minority Grants, College Grants, Housing Grants, Medical Grants ... etc.)

Tuesday, April 17, 2012

Major Public Education Issues Faced Today

Unemployment is one of the serious problems in developing countries. From year to year the amount of unemployment is getting difficult to control. It is not easy to discover what the main causes of unemployment is. However, we should give more attention to education as one of the many factors that cause unemployment. There are three important education problems that affect the unemployment increase in Indonesia: a high cost of education, a mismatch between education system and job requirement, and lack of entrepreneurship lesson.

How to Join the CIA

Growing up as a kid I always wanted to learn how to join the CIA and become a spy. Most likely my curiosity came from watching all the James Bond movies but I decided to take it a step further then most kids and dig up as much information as I could about joining the CIA. Where did I begin my research? I figured the best place to start would be Google.

It wasn't nearly as easy as I expected so I turned to a friend who is actually an ex CIA agent and sucked all the knowledge out of him that I could. He informed me that once you join the CIA most jobs are just ordinary desk jobs. For someone like me who wanted to be a spy that's not what I wanted to hear. The clandestine (spy) department only makes up about 10% of the CIA and new recruits must go through very intense andrigorous training, meaning even if you get offered the job you only won half the battle, you still need to make it through the training. He also told me that in order to even be considered for the CIA, you need the following:

Steps on how to join the CIA

At least 4 years college education A very clean record No past history of drug use United States Citizenship The ability to pass training, mental and physical exams Good luck

The reason I mentioned good luck is because there are many people who learned how to join the CIA and are over qualified but still don't get accepted. You must find a detailed guide and follow every step to the letter.

Monday, April 16, 2012

9 Steps for Coaching Call Center Agents

The call record method is, in my opinion, one of the best approaches to coaching agent phone calls and ensuring quality. Here's a 9-step plan for effectively coaching call center agent phone calls:

1. Randomly record telephone calls -3 2. Random recording is important. Do not record 3 back-to-back calls or on the same day, as your employee may be having a bad day and this may be reflected in all of one afternoon's calls, but is not necessarily reflective of their typical performance.

2. Review the calls and note strengths and opportunities. Before meeting with your employee, listen to the calls and note what they did well and identify 1 -2 opportunities for performance improvement.

3. Play one tape and let your employee listen.Duringthe playing of the tape, you do not need to respond.

4. Have your employee respond to the tape.After the tape is played, ask your employee to respond. Most employees will be overly self-critical. Your employee will likely note many opportunities for improvement and struggle to articulate what they've done well.

5. Coach the call.Use the "sandwich" approach. Tell your employee what s/he did well, followed by constructive feedback, and then end with positive feedback. When offering constructive feedback, share only one opportunity for improvement. The employee has likely observed and stated several improvement opportunities so there is no need to bring these up again Try to mention one thin g the employee did not bring up and offer this as your constructivefeedback.

6. Gain commitment for performance improvement. Ask the employee, What specific steps will you take over the next 5 days to improve in this area? " Write down what the employee states and repeat it to her. Summarize the session by reiterating strengths and offering a vote of confidence that she can improve in the identified area.

7. Repeat steps 2-6 with a second and perhaps third tape if necessary.The point of numerous recording is that an employee may respond defensively stating that was just a "bad" call. If that is the response, you may choose to review a second or third tape.

8. follow-up before the next agent coaching session.Check with your employee in between coaching sessions to keep the commitment top of mind. You cantouch base with your employee via email or a personal conversation.

9. Discuss improvement in next coaching session. Before listening to calls in the next coaching session, ask your employee how she's progressing toward the goals of the last session. Look for improvement on calls reviewed in this session.

This 9-step call center agent coaching model is simple, clear and it both praises employees and offers support for improvement opportunities.

When you follow this 9-step process, you will set clear performance expectations, coach effectively and consistently and at the same time you will be motivating your employees.

Affiliate Program-Commission Structures

As many affiliate programs as there are, there are also that many commission structures. While we can't possibly go through all the different kinds, we are going to cover some of the more common ones. Hopefully, this will give you a decent idea of how commission structures work and which one is best for you.

The simplest commission structure for an affiliate program is the single level or 1-tier structure. This is where you get paid a certain percentage of the sign up fee for that program or product. Most single level structures pay around 50%. Some a little more, some a little less. But for the most part, you're looking at a $ 10 profit on a $ 20 sale. The good thing about single level commission structures is that you do get a decent chunk of the sale price. The badthing about it is you have to do all the work. You get no help from any of the people you sell to. Their efforts are pretty much worthless to you. So if you're not a good sales person, a single level commission structure is one that you probably want to stay away from as you need to make too many sales to make a decent profit.

The next type of commission is the multi-level structure. This can be 2-tier all the way to infinity. This is where commission structures start to get very complex and careful examination of each one is needed in order to decide if a particular one is good for you.

For the most part, multi-level commission structures are great for people who feel that they can make just enough sales to bring in others who will do a good portion of the work for them.Unfortunately, the hardest part of this is actually finding these people. Most Internet marketers are very poor at recruiting others. In other words, out of every 10 people you make a sale, you're lucky if you find 1 who does anything at all.

With a multi level commission structure, the 50% commission, or whatever it may be, is divided up between the many levels. For example, with a program that goes down 3 levels deep, the commission structure may look something like this.

Level 1-30% Level 2-Level 3-15% 10%

In this structure, the total payout is 55%, which is actually pretty good. So if the sale price is $ 20, you would make $ 6 for every personal sale that you make. But, for every sale that your direct sales makes you would receive an additional $ 3.And then finally, for every sale that makes their sales, you would receive $ 2. And this is a relatively simple structure. Some programs will have what they call leadership bonuses. In other words, you only get paid on your lower level sales if you get at least 1 sale for the month. If not, all those commissions go up to your next level.

Yes, it can get very complicated and we've just scratched the surface. In a future article we'll go over advanced commission structures.

Sunday, April 15, 2012

How to Write a Railroad Job Resume

The three main divisions of the railroad industry are urban transit (i.e. light rail and subways), passenger, and freight. Within these three divisions there are many different positions available. Some railroad resumes are written in more general terms, especially for entry-level positions. However, the higher up the ladder on the job position is, the more important it is to list specific qualifications, trainings, and experience that make you the right candidate for the job.

Writing Railroad Jobs Resumes for Specific Positions

Writing job-specific railroad resumes require that you know the skills required for each particular job. Entry-level positions such as hostler or rail yard engineer, for example, require strength and stamina, so you shouldinclude in your resume any past positions that show these traits. Attention to detail and ability are traits that are necessary in a switch operator, the person who switches tracks in the rail yard. The position of yardmaster is often filled from within, but it is possible to be hired from the outside if you capitalize on your management and communication abilities, as you would be in charge of the entire rail yard, including other employees.

A signal operator resume should highlight previous mechanical experience and an attention to detail. Brake operators, the people who couple and uncouple the cars, need to showcase positions they have had that have required stamina, strength and the ability to follow detailed instructions; construction positions are an example of other positionswith similar requirements. The most recognizable rail position is conductor. Important traits to include are communication skills, and the ability to handle paperwork.

Other Tips for Writing Job-Specific Railroad Resumes

Something to remember when writing a specific railroad jobs resume is that it is imperative that you research the position you are applying for. Knowing the key traits that are required of a particular position will assure that you set up your resume to best highlight those skills.

Saturday, April 14, 2012

Does Your Culture Affect Your Health?

America, often referred to as the melting pot, has many different cultures. Each state has different cultures within America. You can even drive to your neighboring city or town and find they have a slightly different culture than the people of your city or town. Actually, if you want to get technical, each household seems to have its own culture!

Each culture is defined by how the members of the culture interact with one another and the outside world; their traditions; their beliefs; what they consider socially acceptable. Some people define their cultures by race, while others define their cultures by region. Some people define their cultures by education, while others define their cultures by financial status. However a culture is defined, America has a plethora ofthem!

While cultures differ in many aspects, they are similar in one: they are made up of people-living, breathing, human beings-and all human beings have one thing in common, which is the ability to get sick or be injured.

It sounds so simple, but it's so important. It doesn't matter how much money you make; you can get sick. It doesn't matter how many degrees you have; you can get injured.

Many people don't purchase health insurance unless their employers offer it, and even then some people opt not to buy into their employer's health care plan. At the same time, many Americans are either unemployed, or aren't offered health benefits by their employers.

Thursday, April 12, 2012

2011 Federal Tax Return for Unemployed-3 Benefits for Federal Tax Return in 2011 Unemployment

For 2011 Federal Tax Return for unemployed, there are a lot tax rebates that are available to lower tax liability.

Here are 3 of the important ones available, so as to help you getting a good value of tax refund from the 2011 Federal taxes:

1. COBRA insurance-It allows unemployed individuals and their families to receive health insurance for up to 18 months after employment is terminated. Before the act, individuals had to pay the full premium, which was generally pretty expensive. With the new act, individuals are only responsible for 35 percent of the premium in 2011 for up to nine months, and the employer is responsible for the other 65 percent.

The employer is then entitled to a payroll income tax credit for that 65 percent. That reduces the2011 Federal tax liability for income return.

2. Retirement account distributions-Support for many unemployed taxpayers in 2011 is their retirement account. Many of these plans are subject to a 10% penalty on early withdrawals, as well as the distribution being taxable when received. However there are some exceptions, one of them is-

2011 IRA Federal income that are used to pay qualified higher education expenses of the taxpayer, the spouse, child or grandchild or any of the taxpayer or the taxpayer's spouse.

3. Job Hunting Expenses 2011-Several Job-hunting expenses like Employment agency fees, job counselling and referral services, classified ads, travel for interviews, costs of resumes, telephone/Internet costs are deductible to the extent they exceed 2% ofadjusted gross income. 2011 Federal

These are the top 3 tax breaks that should be aquamaps data sources: GBIF when filing Federal Tax return for 2011 unemployed.

Wednesday, April 11, 2012

Local Jobs in My Area-Where to Look First

I know that we are all in a recession right now but there are still jobs out there for you to get. You just need to know where to look first. Actually you don't need to search far for any jobs in the marketplace. You really need to just make sure that you have everything in order for yourself so you can be prepared for the next job. There is only one place you need to look for any job right now. That place is your local employment center. These are places that help you find a job in the local area as well as other areas in the region.

If you are unemployed right now or are in anticipation of being unemployed, then you will definitely need to consult with one of these agencies. You will be able to use their telephones, computers, as well as job leads in thearea. This a great start for your job search. If you are lucky you will get a job within a couple of weeks with these agencies. This depends on how fast you go out and search for these jobs.

The way you will find these agencies is through your local yellow pages or online. You can type in Google under local employment agencies or the general web. You should be able to see some sites come up for you. Once you see these sites, they should be able to give you the address to some of the locations in the local area.

Tuesday, April 10, 2012

Top 10 Job Searching Tips

Top Ten Job Searching Tips
How many of these have you read? Here we go again, but this time I am concentrating on those matters which have emerged over the last two to three years, that we often neglected or failed to use in the past; mainly it's to do with new technology.

1. Get a professional email address.

Ditch the babyangel@gmail.com. Now is the time to professionalise yourself, use your proper name or professional name.

2. Google yourself.

Sounds egotistic doesn't it? But just in case you wrote something many years ago, and it raises its head to bite you in the foot, it is better to check what is out there in cyber space on you. Also while we are at it, your email address, telephone number and address as well, all these can leave a digitalfootprint exposing yourself to other information.

3. Add your email address to your CV or resume.

How many times do I see this omission?

4. Start blogging.

This is a free way of getting yourself known and building your profile.

5. Register on online job sites.

There are many: seek.com, TradeMe/jobs.co.nz, and also check out your local newspaper online listings.

6. Use social networking sites to your advantage.

Make a special professional Facebook, Twitter, MySpace, Bebo etc account specifically to your work environment, keep your personal social networks to your friends.

7. Network.

Join societies, organisations and clubs associated to your career. Check out the Yellow Pages and online directories to see what is available, thennetwork with these people.

8. Specialize-Become a Subject Matter Expert.

A sophisticated society has many specialist roles, therefore, the more specialized you are or can become, the more you can provide expertise, and more value to an employer's team. But don't forget to be a generalist in all areas connected with your career.

9. Lead from your strengths.

If you know what you are good at, or above average, or just brilliant at ... then move from that area first. If you are good at public speaking then use that as your primary form of accentuating your strengths.

10. Mitigate your weaknesses.

Monday, April 9, 2012

How to Make Money Right Now Even If You Are Unemployed

How To Make Money While Unemployed

If you are someone who has recently been unemployed or has been on unemployment for some time now, then you know how frustrating it can be to find a reliable job. In fact, you probably know first hand that getting a decent job during these hard times is near impossible.

Want to know a little secret though? You've been looking for opportunities in all the wrong places. It is possible for you to make a very good salary that you enjoy doing some. How? By making money online.

Earn A Great Salary By Making A Living Online

There is tons of opportunity on the internet and getting started with earning cash online is now easier than ever. This is because there are tons of resources on thethe internet which allow you to easily leverage the work of others in order to reap huge profits.

Honestly, making money through the internet is literally as easy as identifying an interest that you have and then finding a potential market which shares that same interest. Once you are able to finding something that you have a passionate interest for then you will be absolutely set to make some cash online niche.

Use A Solid System To Get The Most Out Of The Internet

The only downside to making money through the use of the internet is that there is a ton of stuff to learn initially. So much so that you will most likely be overwhelmed if you aren't quite sure where to get started or how to get started for that matter. That is why is is very important to find a solidand proven system for making cash online using legitimate means.

Earning money on the internet will require you to essentially construct your own business model. This can be very difficult if you are just starting out as there is a ton of information out there crap.

Sunday, April 8, 2012

The Invisible Women of the Great Depression

During the Great Depression, women made up 25% of the work force, but their jobs were more unstable, temporary or seasonal then men, and the unemployment rate was much greater. There was also a decided bias and cultural view that "women didn't work" and in fact many who were employed full time often called themselves "homemakers." Neither men in the workforce, the unions, nor any branch of government were ready to accept the reality of working women, and this bias caused females intense hardship during the Great Depression.

The 1930 's was particularly hard on single or widowed women, spasm lyrics, but it was harder still on women who weren't White. Women of color had to overcome both sexual and racial stereotyping. Black women in the North suffered an astounding 42.9%unemployment, while 23.2%. of White women were without work according to the 1937 census. In the South, both Black and White women were equally unemployed at 26%. In contrast, the unemployment rate for Black and White men in the North (38.9%-18.1%) and South (18%/16% respectively) were also lower than female counterparts.

The financial situation in Harlem was bleak even before the Great Depression. But afterward, the emerging Black working class in the North was decimated by wholesale layoffs of Black industrial workers. To be Black and a woman alone, made keeping a job or finding another one nearly impossible. The racial hierarchy work replaced Black women in domestic work, waitressing or or with White women, now desperate for work, and willing to take steep wagecuts.

Survival Entrepreneurs
At the start of the Depression, while one study found that homeless women were most likely factory and service workers, domestics, garment workers, waitresses and beauticians; another suggested that the beauty industry was a major source of income for Black women. These women, later known as "survivalist" became entrepreneurs, self employed in response to a desperate need to find an independent means of livelihood. "

Replaced by White women in more traditional domestic work as cooks, maids, nurses, laundresses, and even skilled and educated Black women were so hopeless, '' that they actually offered their services at the so-called ' slave markets '-street corners where Negro women congregated to await White housewives who camedaily to take their pick and bid down wages '' (Boyd, 2000 citing Drake and Cayton, 1945/1962: 246). Moreover, the home domestic service was very difficult, if not impossible, to coordinate with family responsibilities, as the domestic servant was usually on call '' around the clock '' and was subject to the '' arbitrary power of individual employers.


Inn Keepers and Hairdressers

Two occupations were sought out by Black women, in order to address both the need for income (or barter items) and their domestic responsibilities in northern cities during the Great Depression: (1) boarding house and lodging house keeping; and (2) hairdressing and beauty culture.

During the "Great Migration" of 1915-1930, thousands of Blacks from the South, mostly young,single men, streamed into Northern cities, looking for places to stay temporarily while they searched for housing and jobs. Housing these migrants created opportunities for Black women, working-class now- unemployed-to pay their rent.

According to one estimate, '' at least one-third '' of Black families in the urban North lodgers or boarders had during the Great Migration (Thomas, 93, citing 1992: Henri, 1976). The need was so great, multiple boarders were housed, leading one survey of northern Black families to report that '' seventy-five percent of the Negro homes have so many that they are really lodgers. ''

Women were usually at the center of these webs of family and community networks within the Black community:

"They '' undertook the greatest part of theburden '' of helping the newcomers find interim housing. Women played '' connective and leadership roles '' in northern Black communities, not only because it was considered traditional "woman's work," but also because taking in boarders and lodgers helped Black women combine housework with an informal, income-producing activity (Grossman, 1989: 133). In addition, boarding and lodging house keeping was often combined with other types of self-employment. Some of the Black women who kept boarders and lodgers also earned money by making artificial flowers and lamp shades at home. " (Boyd, 2000)

In addition from 1890 to 1940, '' barbers and hairdressers ' were the largest segments of the Black business population, together comprising about one third of this population in 1940 (Boyd, 20001949: citing Oak, 48).

"Blacks tended to gravitate into these occupations because" White barbers and beauticians, hairdressers, were unwilling or unable to style the hair of Blacks or to provide the hair preparations and cosmetics used by them. Thus, Black barbers, hairdressers, beauticians and had a '' protected consumer market '' based on Whites ' desires for social distance from Blacks and on the special demands of Black consumers. Accordingly, these Black entrepreneurs were sheltered from outside competitors and could monopolize the trades of hairdressing and beauty culture within their own communities.

Black women who were seeking jobs believed that one's appearance was a crucial factor in finding employment. Black self-help organizations in northern cities, such as theUrban League and the National Council of Negro Women, stressed the importance of good grooming to the newly arrived Black women from the South, advising them to have neat hair and clean nails when searching for work. Above all, the women were told avoid wearing '' head rags '' and '' dust caps '' in public (Boyd, 2000 citing Drake and Cayton, 1945/1962: 247, 301; Grossman, 1989: 150-151).

These warnings were particularly relevant to those who were looking for secretarial or white-collar jobs for Black women needed straight hair and light skin to have any chance of obtaining such positions. Despite the hard times, beauty parlors and barber shops were the most numerous and viable Black-owned enterprises in Black communities (e.g., Boyd, 2000 citing Drake and Cayton,1945/1962: 450-451).

Black women entrepreneurs in the urban North also opened stores and restaurants, with modest savings '' as a means of securing a living '' (Boyd, 2000 citing Frazier, 1949: 405). Called '' depression businesses, '' these marginal enterprises were often classified as proprietorships, even though they tended to operate out of '' houses, basements, and old buildings '' (Boyd, 2000 citing Drake and Cayton, 1945/1962: 454).

"Food stores and eating and drinking places were the most common of these businesses, because, if they failed, their owners could still live off their stocks."

"Protestant Whites Only"
These businesses were a necessity for Black women, as the preference for hiring Whites climbed steeply during the Depression. In thePhiladelphia Public Employment Office in 1932 & 1933, 68% of job orders for women specified "Whites Only." In New York City, Black women were forced to go to separate unemployment offices in Harlem to seek work. Black churches and church-related institutions, a traditional source of help to the Black community, were overwhelmed by the demand, during the 1930 's. Municipal shelters, required to "accept everyone," still reported that Catholics and African American women were "particularly hard to place."

No one knows the numbers of Black women left homeless in the early thirty 's, but it was no doubt substantial, and invisible to the mostly white investigators. Instead, the media chose to focus on, and publicize the plight of homeless, White, middle-class "white collar" workers,as, by 1931 and 1932, unemployment spread to this middle-class. White-collar and college-educated women, usually accustomed "to regular employment and stable domicile," became the "New Poor". We don't know the homeless rates for these women, beyond an educated guess, but of all the homeless in urban centers, 10% were suggested to be women. We do know, however, that the demand for "female beds in shelters climbed from a bit over 3.000 in 56.808 by 1920 to 1932 in one city and into another, from 1929 -1930, demand rose 270 percent.

"Having an Address is a Luxury Now ..."
Even these beds, however, were the last stop on the path towards homelessness and were designed for "habitually destitute women, and avoided at all cost by those who were homeless for the first time.Some number ended up in shelters, but even more were not registered with any agency. Resources were few. Emergency home relief was restricted to families with dependent children until 1934. "Having an address is a luxury just now" an unemployed college woman told a social worker in 1932.

These newly destitute urban women were the shocked and dazed who drifted from one office to the next unemployment, resting in Grand Central or Pennsylvania station, and who rode the subway all night (the "five cent room"), or slept in the park, and who ate in one extra penny. Slow to seek assistance, and fearful and ashamed to ask for charity, these women were often on the verge of starvation before they sought help. They were, according to one report, often the "saddest and mostdifficult to help. " These women starved slowly in furnished rooms. They sold their furniture, their clothes, and then their bodies. "

The Emancipated minor Woman and Gender Myths
If cultural myths were that women "didn't work," then those that did were invisible. Their political voice was mute. Gender role demanded that women remain "someone's poor relation," who returned back to the rural homestead during times of trouble, to help out around the home, and were given shelter. These idyllic nurturing, pre-industrial mythical family homes were large enough to accommodate everyone. The new reality was much long island. Urban apartments, no bigger than two or three rooms, required "maiden aunts" or "single cousins" to "shift for themselves." What remained of thefamily was often a strained, "overburdened", over-crowded household that often contained severe domestic troubles of its own.

In addition, few, other than African Americans, were with the rural roots to return to. And this assumed that a woman once emancipated minor and tasting past success would remain "malleable." The female role was an out-of-date myth, but was nonetheless a potent one. The "new woman" of the roaring twenties was now left without a social face during the Great Depression. Without a home--the quintessential element of womanhood--she was, paradoxically, ignored and invisible.

"...Neighborliness has been Stretched Beyond Human Endurance. "
In reality, more than half of these self-employed women had never married, while others were spasm lyrics,deserted, separated or claimed to be widowed. We don't know how many were lesbian women. Some had dependent parents and siblings who relied on them for support. Fewer had children who were living with extended family. Women's wages were historically low for most female professions, and allowed little capacity for substantial savings "emergency", but most of these women were financially independent. In Milwaukee, for example, 60% of those seeking help had been self-supporting in 1929. In New York, this figure was 85%. Their available work was often the most volatile and at risk. Some had been unemployed for months, while others for a year or more. With savings and insurance gone, they had Hooker out their informal social networks. One social worker, in late 1931, testifiedto a Senate committee that "neighborliness has been stretched beyond its capacity not only but beyond human endurance."

Older women were often discriminated against because of their age, and their long history of living outside of traditional family systems. When work was available, it often specified, as did one job in Philadelphia, a demand for "white and clerks, stenographers (age) under 25."

The Invisible Woman
The Great Depression's effect on women, then, as it is now, was invisible to the eye. The tangible evidence of breadlines, Hoovervilles, and men selling apples on street corners, did not contain images of urban women. Unemployment, hunger and homelessness was considered a "man's problem" and the distress and despair was measured in that way.In photographic images, and news reports, destitute urban women were overlooked or not apparent. It was considered incongruous mien to be a homeless woman, and they were often hidden from public view, ushered in through back door entrances, and fed in private.

Partly, the problem lay in expectations. While homelessness in men had swelled periodically during periods of economic crisis since the depression of the 1890 's onward, large numbers of homeless women "on their own" were a new phenomenon. Public officials were unprepared: Without children, they were, early on, excluded from emergency shelters. One building with a capacity of 155 beds and six cribs, breathe lyrics link over 56.000 "beds" during the third year of the depression. Still, these figures do not take account the number of womenturned away, because they weren't White or Protestant.

As the Great Depression wore on, wanting only a way to make money, these women were excluded from "New Deal" work programs set up to help the unemployed. Men were seen as "breadwinners" holding greater claim to economic resources. While outreach and charitable agencies finally did emerge, they were often inadequate to meet the demand.

Whereas black women had particular hard times participating in the mainstream economy during the Great Depression, they did have some opportunity to find alternative employment within their own communities, because of unique migration patterns that had occurred during that period. White women, in contrast, had a keyhole opportunity, if they were young and of considerable skills,although their skin color alone offered them greater access to whatever traditional employment was still available.

The rejection of traditional female roles, and the desire for emancipation, however, put these women at risk once the profound economy collapsed. In any case, single women, with both black and white skin, fared worse and were invisible sufferers.

As we enter the Second Great Depression, who will be the new "invisible homeless" and will women, as a group, do better this time?


References:

Abelson, e. (2003, Spring2003). Women Who Have No Men to Work for Them: Gender and Homelessness in the Great Depression, 1930-1934. Feminist Studies, 29 (1), 104. Retrieved January 2, 2009, from Academic Search Premier database.