I know, I know you see the t.v. commercial all the time right? Be your own boss,work your own hours, never get laid off,never get fired etc... Yea I know the Avon commercial is a real seller to the unemployed,laid-off,down sized, part-time, one income only,homemaker and all the like - right? wrong, or MAYBE... My mother was approached by an Avon Rep, who wanted to hand out her brochures and recruit warm bodies looking for extra income- why my mother gave up my name and number is beyond me- am I broke, does my job suck, do I wish to be my own boss, have unlimited earning potential- operate from home, the Internet, and on the street- at the mall even- absolutely! Ok so I was like yea I have seen the commercial ALOT lately and I wonder what is the scoop on being a Avon salesperson- what do they have to offer- can I gain anything from working with them?? Hmmm- the Avon sales rep called and before I knew it,I was writing down all the information on the company and the benefits of being an Avon salesperson. Here is the real truth (yea what they leave out of those commercials):
1. It does cost to become a sales rep with Avon ($10.00-20.00) To get the lower fee sign-up with a Representative- not on the Avon website- then you will be charged $20.00- And yes it is a one-time fee. Also,you get some free brochures, fliers and samples
2. You can have your own web page to sell products and guide clients to- it cost $7.50 a month- the fee is waived only if you get a sale through your site at least once a month
3. The brochures or mini catalogs with all the Avon merchandise is only free for so long- which means you get 20 free. Afterward you have to pay for them, like 10 for less than $6.00 etc... depending on how many you want- I was told the more you order the less it costs. Also, brochures come out twice a month - you have two different ones to hand out to clients
4. Commission is 50% for each complete order total for the first 2 months- afterward it depends on the order total and the products, falls somewhere between 20-50% then
5. If someone does not pay for their order or wants to return it- you are held responsible- you ca try to re-sell the products or mail them back to Avon in a timely manner at your (I was told small)expense. And yes you can get paid upfront before putting the clients' order through
6. Avon charges each customer a 75 cent shipping and handling fee - you receive half of that, to be added to your account(I was told to let the money add up and the use it to buy the brochures)
7. When you are paid cash for your orders you can pay yourself first then send the rest to Avon- I was told this I am not sure on every small detail...
8. To make extra money you can be a recruiter- once again I was told they can make a lot of money- not to sure how much- ask a Avon Rep
9. Yes you can make some decent if not excellent cash- start with people you know, look forward to referrals and never stop talking to people and leaving the mini catalogs and fliers all over the place- Also you can get help and tips from a Avon rep and the Avon website that helps to guide,train ,and answer questions for you
10. This is cool for extra cash if you need it and are driven,flexible,and friendly
Otherwise do not quit your day job :)
*** Once you get a client- keep emailing and calling them at least, once a month to answer questions, and to see if they want to re-order from you- or if they want a new mini catalog
GOOD LUCK!
Showing posts with label Career. Show all posts
Showing posts with label Career. Show all posts
Tuesday, March 10, 2009
Monday, March 9, 2009
Business Loan Tips
There are some things that everyone should know before applying for a small business loan. It's always important to know what the bank or lending institution is looking for, what factors go into their decision to either grant or reject your loan. By playing to these factors, you can better your chances of securing that money for your business.
What is your personal story? Firstly, the bank will want to know about you. Your credit history, experience and education will all be factors preliminarily considered in the process of your application. These things speak to who you are as a business person, your credibility for running your own business.
What is your Business Plan? The meat of your proposal will be in your Business Plan. This is an outline you will present to the bank detailing your business idea while providing answers to the questions that the bank has.
How much are you applying for? This figure should be all-encompassing. It should include costs for startup and overhead as well as operations costs like payroll and inventory. It is very important to you and the bank that this number be as accurate as possible.
Where is this money going? Again, accuracy and detail are important here. Your business plan should have a detailed breakdown of how much is going where and for what.
When can you repay your loan? This is the question that anyone, from the bank to your wealthy relative will want an answer for. Be professional. Use financial statements and cash-flow projections to illustrate how your business will generate profit and be a good investment for the bank.
What is your personal story? Firstly, the bank will want to know about you. Your credit history, experience and education will all be factors preliminarily considered in the process of your application. These things speak to who you are as a business person, your credibility for running your own business.
What is your Business Plan? The meat of your proposal will be in your Business Plan. This is an outline you will present to the bank detailing your business idea while providing answers to the questions that the bank has.
How much are you applying for? This figure should be all-encompassing. It should include costs for startup and overhead as well as operations costs like payroll and inventory. It is very important to you and the bank that this number be as accurate as possible.
Where is this money going? Again, accuracy and detail are important here. Your business plan should have a detailed breakdown of how much is going where and for what.
When can you repay your loan? This is the question that anyone, from the bank to your wealthy relative will want an answer for. Be professional. Use financial statements and cash-flow projections to illustrate how your business will generate profit and be a good investment for the bank.
Monday, February 9, 2009
Help! I Lost My Job
If you get fired there are some things you need and HAVE to do to keep your head above water. I have listed some top tips on getting back on your feet, even before your last check arrives in the mail. Check out these Fab 5 advice tips..
1. Fight the Firing: Protect your Unemployment Benefits
Schedule a meeting with the magazine's human resources department to discuss your firing. You'll want to file for unemployment and excessive absences may not be an acceptable reason. Produce a doctor's note. Their claim about excessive absences isn't legitimate, It's important to get your employment record expunged
2. Research your Salary and Job Options
Getting fired can be a sign that a job or employer just isn't the right fit for you. Instead of fixating on what you've lost, look toward the future. Compare your salary to others with similar education and experience to get a sense of what you can earn. Take it a step further and play around with the kinds of jobs that might be available to you. Look for something that matches your passion, your career goals and your salary requirements. Compare your salary now.
3. Reconsider your Resume
Even if the job you were fired from is super hot and enviable, you may want to leave it off your resume. If it's a first job and it's been less than two months, it's not worth the questions
4. Find a Better Gig
Your former employer will be sorry that they ever let you go when you end up working for the competition down the street. Here are some tips on how to get back on the job search train.
Tell everyone you know you're job hunting. Swallow your pride and let people know you lost your job. We mean everyone, not just your friends in certain businessess. Your yoga instructor may have another client who needs a fabulous assistant. Sometimes it really is all about who you know.
Set up "informational interviews." If you've got a friend of a friend at another fashion magazine, ask to meet her boss. She'll offer her best advice and possibly pass along more names of more people to talk to. Eventually one of those folks might offer you a job.
5.Freelance.
Get your name out there with gig after gig. If you do a great job, you'll be invited back. Don't be afraid to ask if your temp boss knows anyone else who may be looking for freelancers.
1. Fight the Firing: Protect your Unemployment Benefits
Schedule a meeting with the magazine's human resources department to discuss your firing. You'll want to file for unemployment and excessive absences may not be an acceptable reason. Produce a doctor's note. Their claim about excessive absences isn't legitimate, It's important to get your employment record expunged
2. Research your Salary and Job Options
Getting fired can be a sign that a job or employer just isn't the right fit for you. Instead of fixating on what you've lost, look toward the future. Compare your salary to others with similar education and experience to get a sense of what you can earn. Take it a step further and play around with the kinds of jobs that might be available to you. Look for something that matches your passion, your career goals and your salary requirements. Compare your salary now.
3. Reconsider your Resume
Even if the job you were fired from is super hot and enviable, you may want to leave it off your resume. If it's a first job and it's been less than two months, it's not worth the questions
4. Find a Better Gig
Your former employer will be sorry that they ever let you go when you end up working for the competition down the street. Here are some tips on how to get back on the job search train.
Tell everyone you know you're job hunting. Swallow your pride and let people know you lost your job. We mean everyone, not just your friends in certain businessess. Your yoga instructor may have another client who needs a fabulous assistant. Sometimes it really is all about who you know.
Set up "informational interviews." If you've got a friend of a friend at another fashion magazine, ask to meet her boss. She'll offer her best advice and possibly pass along more names of more people to talk to. Eventually one of those folks might offer you a job.
5.Freelance.
Get your name out there with gig after gig. If you do a great job, you'll be invited back. Don't be afraid to ask if your temp boss knows anyone else who may be looking for freelancers.
Monday, February 2, 2009
Unemployment&Tax Mistakes Not To make
Unemployment insurance income is rarely adequate to cover basic living expenses and fixed costs, and unemployed individuals generally tap into assets with the highest tax consequences, even though other options are available
1. Avoiding withholding
Plenty of people opt to collect unemployment income without having federal withholding deducted. Yes, it's tempting to receive the full check. But how are you going to pay the taxes on the unemployment income in April? You won't have the money.
Have the withholding taken out, or have the discipline to set aside at least 15% of the money in a savings account you don't touch.
If you get sick while you're on unemployment, remember to switch your benefits to disability benefits. Those checks are usually higher -- and the income is not taxable.
If your prospects for getting a job look really bleak for the year ahead, consider this interesting suggestion from Doug Thorburn, a Northridge, Calif.-based enrolled agent: See if the tax benefits of being claimed as someone else's dependent are substantial. If they are, consider halting your unemployment benefits before your total income for the year reaches $3,500. This definitely takes some planning.
2. 401(k) withdrawals
It's almost instinctive: The first thing you do when you're out of work and need money is tap into your 401(k) plan. Why is this a bad idea? Three reasons:
One, often people draw the money thinking it qualifies for exceptions to the penalties, but the exceptions often only relate to draws from IRAs, not 401(k)s.
Two, it's very expensive money, costing as much as 50% of the amount drawn. There's the penalty of 10% from the IRS and whatever your state penalty is (not all states have penalties). Then there's the tax: 25% plus state tax. In addition, the draw increases your tax bracket and may increase your income so you lose other deductions or credits. And, you permanently deplete your retirement savings.
Three, and worst of all, when it comes time to pay the tax, you won't have the money. You will start a pattern of tax debt overshadowing your life and finances for the next two to 10 years.
What is a viable alternative? There are two options.
One, if there is a lot of money in the account, you can roll the money into an IRA and set up withdrawals allowing you to take substantially equal periodic payments (monthly or annually) over your life expectancy. You will pay taxes on the money -- consider this a replacement for your wages - but you will avoid IRS and state early withdrawal penalties
Two, start a business. With so many people unemployed right along with you, odds are that you will not get a job quickly, certainly not one earning what you used to earn. So you may well start a business.
If you start a business designed to generate a real stream of income, you can establish a solo 401(k) plan for yourself. Meet with an expert to ensure you meet all the guidelines. If your spouse works in your business, you can establish an account for him or her as well. Then, roll over the funds from your old 401(k) to your new solo 401(k) accounts.
Now you can borrow up to 50% from each account, up to $50,000 per person. You pay no taxes at all (perhaps under $500 in total fees). You must repay that money - to yourself; so you will be forced to replenish your retirement account.
3. IRA withdrawals
That's usually the next step for unemployed folks. Don't just take the money as you need it, without any planning. Think through your financial needs and withdraw the money properly. There are several ways for unemployed folks to pull money from IRAs without facing those harsh early withdrawal penalties. Taxes will still apply.
As part of your planning, assess your health. If you have been just hanging on thinking you had no choice but to work, it's time to start thinking about getting your health evaluated to see if you should still be working. Some special benefits that might result? You could switch your unemployment benefits to disability benefits, which are not taxable. Or, you might qualify for Social Security disability payments, which would allow you to draw Social Security funds early.
Another possible plan: Withdraw money to cover your health insurance premiums while you're unemployed.
Or, this may be a good opportunity to go back to school and get retrained for another career or profession. Funds paid directly to a qualified educational institution will avoid the penalty. In addition, you may qualify for the lifetime learning credit or the education expense deductions.
Another possible plan: Buying a home. You may draw up to $10,000 for the down payment of a first home (if neither you nor your spouse owned a home within the last two years). With the real-estate market so depressed, now may be a good time to buy a new home. And, not only can you get the down payment money penalty-free, if you close escrow before June 30, 2009 you may qualify for the first-time homebuyers credit of up to $7,500. That may be enough to help you get through the year.
Heck, if you can't find any other means of gainful employment, you could live in the house for two years, fix it up and sell it or rent it out - and collect the stream of income.
4. Dumping your home
Another pitfall is walking away from a home that is worth substantially less than the loan balance. You may find yourself facing taxes on phantom income -- cancellation of debt. The rules are complicated, depending on the nature of the loan contract, and your state of residence. There may be ways around the extra taxes, using IRS' insolvency rules or by filing bankruptcy before disposing of the home.
As you may have noticed, each pitfall has ways around it - if only you stop and plan before desperately grabbing money. Sure, you need the money, time is short and you're feeling pressured. But before doing anything rash, count to 10, take a deep breath, and get some advice. Who knows, your adviser may even come up with a job, or a great idea for a business that may change your life.
1. Avoiding withholding
Plenty of people opt to collect unemployment income without having federal withholding deducted. Yes, it's tempting to receive the full check. But how are you going to pay the taxes on the unemployment income in April? You won't have the money.
Have the withholding taken out, or have the discipline to set aside at least 15% of the money in a savings account you don't touch.
If you get sick while you're on unemployment, remember to switch your benefits to disability benefits. Those checks are usually higher -- and the income is not taxable.
If your prospects for getting a job look really bleak for the year ahead, consider this interesting suggestion from Doug Thorburn, a Northridge, Calif.-based enrolled agent: See if the tax benefits of being claimed as someone else's dependent are substantial. If they are, consider halting your unemployment benefits before your total income for the year reaches $3,500. This definitely takes some planning.
2. 401(k) withdrawals
It's almost instinctive: The first thing you do when you're out of work and need money is tap into your 401(k) plan. Why is this a bad idea? Three reasons:
One, often people draw the money thinking it qualifies for exceptions to the penalties, but the exceptions often only relate to draws from IRAs, not 401(k)s.
Two, it's very expensive money, costing as much as 50% of the amount drawn. There's the penalty of 10% from the IRS and whatever your state penalty is (not all states have penalties). Then there's the tax: 25% plus state tax. In addition, the draw increases your tax bracket and may increase your income so you lose other deductions or credits. And, you permanently deplete your retirement savings.
Three, and worst of all, when it comes time to pay the tax, you won't have the money. You will start a pattern of tax debt overshadowing your life and finances for the next two to 10 years.
What is a viable alternative? There are two options.
One, if there is a lot of money in the account, you can roll the money into an IRA and set up withdrawals allowing you to take substantially equal periodic payments (monthly or annually) over your life expectancy. You will pay taxes on the money -- consider this a replacement for your wages - but you will avoid IRS and state early withdrawal penalties
Two, start a business. With so many people unemployed right along with you, odds are that you will not get a job quickly, certainly not one earning what you used to earn. So you may well start a business.
If you start a business designed to generate a real stream of income, you can establish a solo 401(k) plan for yourself. Meet with an expert to ensure you meet all the guidelines. If your spouse works in your business, you can establish an account for him or her as well. Then, roll over the funds from your old 401(k) to your new solo 401(k) accounts.
Now you can borrow up to 50% from each account, up to $50,000 per person. You pay no taxes at all (perhaps under $500 in total fees). You must repay that money - to yourself; so you will be forced to replenish your retirement account.
3. IRA withdrawals
That's usually the next step for unemployed folks. Don't just take the money as you need it, without any planning. Think through your financial needs and withdraw the money properly. There are several ways for unemployed folks to pull money from IRAs without facing those harsh early withdrawal penalties. Taxes will still apply.
As part of your planning, assess your health. If you have been just hanging on thinking you had no choice but to work, it's time to start thinking about getting your health evaluated to see if you should still be working. Some special benefits that might result? You could switch your unemployment benefits to disability benefits, which are not taxable. Or, you might qualify for Social Security disability payments, which would allow you to draw Social Security funds early.
Another possible plan: Withdraw money to cover your health insurance premiums while you're unemployed.
Or, this may be a good opportunity to go back to school and get retrained for another career or profession. Funds paid directly to a qualified educational institution will avoid the penalty. In addition, you may qualify for the lifetime learning credit or the education expense deductions.
Another possible plan: Buying a home. You may draw up to $10,000 for the down payment of a first home (if neither you nor your spouse owned a home within the last two years). With the real-estate market so depressed, now may be a good time to buy a new home. And, not only can you get the down payment money penalty-free, if you close escrow before June 30, 2009 you may qualify for the first-time homebuyers credit of up to $7,500. That may be enough to help you get through the year.
Heck, if you can't find any other means of gainful employment, you could live in the house for two years, fix it up and sell it or rent it out - and collect the stream of income.
4. Dumping your home
Another pitfall is walking away from a home that is worth substantially less than the loan balance. You may find yourself facing taxes on phantom income -- cancellation of debt. The rules are complicated, depending on the nature of the loan contract, and your state of residence. There may be ways around the extra taxes, using IRS' insolvency rules or by filing bankruptcy before disposing of the home.
As you may have noticed, each pitfall has ways around it - if only you stop and plan before desperately grabbing money. Sure, you need the money, time is short and you're feeling pressured. But before doing anything rash, count to 10, take a deep breath, and get some advice. Who knows, your adviser may even come up with a job, or a great idea for a business that may change your life.
Tuesday, August 26, 2008
Hookin Up Da Dollars
10 Certificate Programs Than Can Add $$$$ to Your Paycheck
How do you train for the next level up on the company ladder, get skills that will match a new promotion, boost your earnings or even change careers without a hefty time commitment? A short-term certificate program that focuses on specific skills within a profession or trade might just be the answer. Often offered online or part time for working professionals, they can take less than two years to complete and often springboard into of-the-moment careers that offer top earnings and job security. Here are some of the hottest certificate programs at campuses nationwide:
Take Action
Make the most out of your career. Check out these degree programs!
Business
Marketing
Engineering
Accounting
Computer Science
1. Financial Planning: With a nationwide focus on retirement savings, investing options, and other financial issues, Certified Financial Planners (CFP) are a hot commodity, and schools such as the University of Texas, Austin are meeting the demand with certificate programs. The University or Texas’ program, like that of other schools, is short term, comprised of just seven courses.
2. Database Administrator: According to the Bureau of Labor Statistics (BLS), database administrators in May of 2006 were earning anywhere from $62,000 to over $100,000 annually. The University of Denver is among the many institutions at which you can earn a certificate to break into the field in less than a year, says Mike Whitford, enrollment manager. All six courses (24 credits) are offered online in this graduate level program.
Eighty percent of our students are working professionals. They are interested in becoming database analysts, architects, and engineers, While the program is new, one recent graduate scored a job as a database management advisor making $95,000 annually,
3. Oracle: The largest vendor of database systems and the second largest independent software company in the world, Oracle is one of the most sought after certifications at the post secondary level. At Penn State Great Valley campus, you can earn a certificate in an Oracle workforce development program using textbooks and taking just three courses.
4. Information Security Management: In a post 9/11 world, more and more professionals are needed to manage and safeguard complex technical security for companies and government agencies. Syracuse University is among the many schools with coursework to help meet this societal demand. Syracuse's five-course (15 credit) certificate has been popular since 2003.
5. Negotiation or Leadership and Management: Certificates [in these areas] can make an executive more marketable, or a CEO gain the knowledge they may not have to lead the company.
The University of Notre Dame’s Mendoza School of Business in conjunction with University Alliance offers these two executive certificates each consisting of three, eight-week courses. Taught by Notre Dame professors in streaming video lectures, voiceover IP and interactive chat rooms, e-mail and whiteboards, for many executives it's a chance to learn specific skills that will further their careers.
6. Entrepreneurship: When students at the Wharton School of Business at the University of Pennsylvania asked for courses in entrepreneurship two years ago, a new certificate was created to fulfill their needs. Under the executive education umbrella and Wharton Programs for Working Professionals, many students who take this six-course certificate are working in other industries or are in middle management and want to launch a business, a new department, or help others do so.
Course credits can be applied toward an MBA if students choose to further their studies. Additionally, students can put their courses to work in the Wharton Small Business Development office, which assists Philadelphia small business owners who need help growing their businesses.
7. Legal Nurse Consulting: Legal nurse consultants are the liaison between lawyers and the health care community, often giving testimony in the courtroom during cases related to medical litigation. These professionals even have their own American Association of Legal Nurse Consultants. (AALNP).
With many certificates taking less than one year to earn, such as the University of Delaware's program, becoming certified often brings an excellent return on investment. There, registered nurses with three years of experience can earn a certificate in this emerging field in just 36 Saturdays. Graduates often end up going into business for themselves, and with experience can earn up to $150 per hour.
8. Forensic Nursing: The 10-course program, which can be completed in a year, requires an LVN (licensed vocational nurse), LPN, RN or paramedic background.
Kaplan University, which also offers the one-year program, cites salary ranges from the International Association of Forensic Nurses at $55 to $300 per hour.
9. Commercial Real Estate:
According to Salary.com, commercial real estate managers earn an average of $120,000 to $162,000 annually. Boston also offers a certificate in real estate finance and property management. Which takes less than a year, to complete the course- some real estate agencies offer in- house training courses and on the job training. (for me because this is my chosen field, took only 2-3 months)
10. Computer Forensics: The industry is clamoring for techs right now because there are many people in the next 10 years who will be retiring from the field, There will be a greater need for programmers, database managers, and networking and security specialists in the next decade, but one of the hot commodity predictions is in computer forensics. A new 32-credit certificate at BCCC in computer forensics includes a former FBI agent as an instructor. The program presents an examination of computer science, criminal justice, and computer forensics–recovering deleted files–and jobs can be found working in regional computer forensics labs or in homeland security. Because it's a fairly new and fast-growing field, the job outlook is favorable, as is the possibility of a hefty salary.
How do you train for the next level up on the company ladder, get skills that will match a new promotion, boost your earnings or even change careers without a hefty time commitment? A short-term certificate program that focuses on specific skills within a profession or trade might just be the answer. Often offered online or part time for working professionals, they can take less than two years to complete and often springboard into of-the-moment careers that offer top earnings and job security. Here are some of the hottest certificate programs at campuses nationwide:
Take Action
Make the most out of your career. Check out these degree programs!
Business
Marketing
Engineering
Accounting
Computer Science
1. Financial Planning: With a nationwide focus on retirement savings, investing options, and other financial issues, Certified Financial Planners (CFP) are a hot commodity, and schools such as the University of Texas, Austin are meeting the demand with certificate programs. The University or Texas’ program, like that of other schools, is short term, comprised of just seven courses.
2. Database Administrator: According to the Bureau of Labor Statistics (BLS), database administrators in May of 2006 were earning anywhere from $62,000 to over $100,000 annually. The University of Denver is among the many institutions at which you can earn a certificate to break into the field in less than a year, says Mike Whitford, enrollment manager. All six courses (24 credits) are offered online in this graduate level program.
Eighty percent of our students are working professionals. They are interested in becoming database analysts, architects, and engineers, While the program is new, one recent graduate scored a job as a database management advisor making $95,000 annually,
3. Oracle: The largest vendor of database systems and the second largest independent software company in the world, Oracle is one of the most sought after certifications at the post secondary level. At Penn State Great Valley campus, you can earn a certificate in an Oracle workforce development program using textbooks and taking just three courses.
4. Information Security Management: In a post 9/11 world, more and more professionals are needed to manage and safeguard complex technical security for companies and government agencies. Syracuse University is among the many schools with coursework to help meet this societal demand. Syracuse's five-course (15 credit) certificate has been popular since 2003.
5. Negotiation or Leadership and Management: Certificates [in these areas] can make an executive more marketable, or a CEO gain the knowledge they may not have to lead the company.
The University of Notre Dame’s Mendoza School of Business in conjunction with University Alliance offers these two executive certificates each consisting of three, eight-week courses. Taught by Notre Dame professors in streaming video lectures, voiceover IP and interactive chat rooms, e-mail and whiteboards, for many executives it's a chance to learn specific skills that will further their careers.
6. Entrepreneurship: When students at the Wharton School of Business at the University of Pennsylvania asked for courses in entrepreneurship two years ago, a new certificate was created to fulfill their needs. Under the executive education umbrella and Wharton Programs for Working Professionals, many students who take this six-course certificate are working in other industries or are in middle management and want to launch a business, a new department, or help others do so.
Course credits can be applied toward an MBA if students choose to further their studies. Additionally, students can put their courses to work in the Wharton Small Business Development office, which assists Philadelphia small business owners who need help growing their businesses.
7. Legal Nurse Consulting: Legal nurse consultants are the liaison between lawyers and the health care community, often giving testimony in the courtroom during cases related to medical litigation. These professionals even have their own American Association of Legal Nurse Consultants. (AALNP).
With many certificates taking less than one year to earn, such as the University of Delaware's program, becoming certified often brings an excellent return on investment. There, registered nurses with three years of experience can earn a certificate in this emerging field in just 36 Saturdays. Graduates often end up going into business for themselves, and with experience can earn up to $150 per hour.
8. Forensic Nursing: The 10-course program, which can be completed in a year, requires an LVN (licensed vocational nurse), LPN, RN or paramedic background.
Kaplan University, which also offers the one-year program, cites salary ranges from the International Association of Forensic Nurses at $55 to $300 per hour.
9. Commercial Real Estate:
According to Salary.com, commercial real estate managers earn an average of $120,000 to $162,000 annually. Boston also offers a certificate in real estate finance and property management. Which takes less than a year, to complete the course- some real estate agencies offer in- house training courses and on the job training. (for me because this is my chosen field, took only 2-3 months)
10. Computer Forensics: The industry is clamoring for techs right now because there are many people in the next 10 years who will be retiring from the field, There will be a greater need for programmers, database managers, and networking and security specialists in the next decade, but one of the hot commodity predictions is in computer forensics. A new 32-credit certificate at BCCC in computer forensics includes a former FBI agent as an instructor. The program presents an examination of computer science, criminal justice, and computer forensics–recovering deleted files–and jobs can be found working in regional computer forensics labs or in homeland security. Because it's a fairly new and fast-growing field, the job outlook is favorable, as is the possibility of a hefty salary.
Thursday, August 21, 2008
1 Of The Best Tips Around!
Stress !!!!
A lecturer, when explaining stress management to an audience,
Raised a glass of water and asked:
'How heavy is this glass of water?'
Answers called out ranged from 20g to 500g.
The lecturer replied, 'The absolute weight doesn't matter.
It depends on how long you try to hold it.
If I hold it for a minute, that's not a problem.
If I hold it for an hour, I'll have an ache in my right arm.
If I hold it for a day, you'll have to call an ambulance.
In each case, it's the same weight, but the longer I hold it, the heavier it becomes.'
He continued,
'And that's the way it is with stress management.
If we carry our burdens all the time, sooner or later,
As the burden becomes increasingly heavy,
We won't be able to carry on. '
'As with the glass of water,
You have to put it down for a while and rest before holding it again.
When we're refreshed, we can carry on with the burden.'
'So, before you return home tonight, put the burden of work down.
Don't carry it home.
You can pick it up tomorrow.
Whatever burdens you're carrying now,
Let them down for a moment if you can.'
So, my friend, put down anything that may be a burden to you right now.
Don't pick it up again until after you've rested a while.
Here are some great ways of dealing with the burdens of life:
* Accept that some days you're the pigeon,
And some days you're the statue
* Always keep your words soft and sweet,
Just in case you have to eat them.
* Always read stuff that will make you look good
If you die in the middle of it.
* Drive carefully. It's not only cars that can be
Recalled by their maker.
* If you can't be kind, at least have the decency to be vague.
* If you lend someone $20 and never see that person again,
It was probably worth it..
* It may be that your sole purpose in life is simply be kind to others.
* Never put both feet in your mouth at the same time,
Because then you won't have a leg to stand on.
* Nobody cares if you can't dance well.
Just get up and dance.
* Since it's the early worm that gets eaten by the bird, sleep late.
* The second mouse gets the cheese.
* When everything's coming your way,
You're in the wrong lane.
* Birthdays are good for you.
The more you have, the longer you live.
* You may be only one person in the world,
But you may also be the world to one person.
* Some mistakes are too much fun to only make once.
* We could learn a lot from crayons... Some are sharp, some are pretty and some are dull. Some have weird names, and all are different colours, but they all have to live in the same box.
*A truly happy person is one who can enjoy the scenery on a detour..
Have an awesome day and know that someone has thought about you today ... I did.
A lecturer, when explaining stress management to an audience,
Raised a glass of water and asked:
'How heavy is this glass of water?'
Answers called out ranged from 20g to 500g.
The lecturer replied, 'The absolute weight doesn't matter.
It depends on how long you try to hold it.
If I hold it for a minute, that's not a problem.
If I hold it for an hour, I'll have an ache in my right arm.
If I hold it for a day, you'll have to call an ambulance.
In each case, it's the same weight, but the longer I hold it, the heavier it becomes.'
He continued,
'And that's the way it is with stress management.
If we carry our burdens all the time, sooner or later,
As the burden becomes increasingly heavy,
We won't be able to carry on. '
'As with the glass of water,
You have to put it down for a while and rest before holding it again.
When we're refreshed, we can carry on with the burden.'
'So, before you return home tonight, put the burden of work down.
Don't carry it home.
You can pick it up tomorrow.
Whatever burdens you're carrying now,
Let them down for a moment if you can.'
So, my friend, put down anything that may be a burden to you right now.
Don't pick it up again until after you've rested a while.
Here are some great ways of dealing with the burdens of life:
* Accept that some days you're the pigeon,
And some days you're the statue
* Always keep your words soft and sweet,
Just in case you have to eat them.
* Always read stuff that will make you look good
If you die in the middle of it.
* Drive carefully. It's not only cars that can be
Recalled by their maker.
* If you can't be kind, at least have the decency to be vague.
* If you lend someone $20 and never see that person again,
It was probably worth it..
* It may be that your sole purpose in life is simply be kind to others.
* Never put both feet in your mouth at the same time,
Because then you won't have a leg to stand on.
* Nobody cares if you can't dance well.
Just get up and dance.
* Since it's the early worm that gets eaten by the bird, sleep late.
* The second mouse gets the cheese.
* When everything's coming your way,
You're in the wrong lane.
* Birthdays are good for you.
The more you have, the longer you live.
* You may be only one person in the world,
But you may also be the world to one person.
* Some mistakes are too much fun to only make once.
* We could learn a lot from crayons... Some are sharp, some are pretty and some are dull. Some have weird names, and all are different colours, but they all have to live in the same box.
*A truly happy person is one who can enjoy the scenery on a detour..
Have an awesome day and know that someone has thought about you today ... I did.
Sunday, June 15, 2008
** 100th Entry** Frugal=Free
Oh my I cannot believe this is the 100th entry I am posting for this blog. I cannot remember all the stuff I have put on here, but I hope it has made a difference in someone's life. Since this is a special and final entry ( I will be taking some time off from blogging the next 2 weeks for I am getting married next weekend on my 30th birthday) :) Anyways,I have found 10 cool tips on freebies that save you time and money. Here is what and where you can access them. And yes they are all FREE!!!
1. Learn a new language through 12 week courses (online)
bbc.co.uk/languages
2.Online business classes that teach you how to finance your ventures and write business plans etc..
sba.gov
3. Used household items by swapping with others
freecycle.org
4. Expert computer help
protonic.com
5. Online savings and checking accounts that earn interest
ingdirect.com
6. credit reports by the top three credit bureaus
annualcreditreport.com
7. Directory assistance
dial 1-800-free-411
8.Get this download to filter spam more effectively
spamato.net
9. Create your own radio "station" with this service
pandora.com
10. Organize all the photos on your computer with this software download
picasa.google.com
1. Learn a new language through 12 week courses (online)
bbc.co.uk/languages
2.Online business classes that teach you how to finance your ventures and write business plans etc..
sba.gov
3. Used household items by swapping with others
freecycle.org
4. Expert computer help
protonic.com
5. Online savings and checking accounts that earn interest
ingdirect.com
6. credit reports by the top three credit bureaus
annualcreditreport.com
7. Directory assistance
dial 1-800-free-411
8.Get this download to filter spam more effectively
spamato.net
9. Create your own radio "station" with this service
pandora.com
10. Organize all the photos on your computer with this software download
picasa.google.com
Monday, February 25, 2008
No More Work Stress
Why did you quit your last job -- assuming you left voluntarily? the No. 1 reason why people quit is excessive stress. Yet employers seem unaware of this, or in denial: When asked why they thought employees were leaving, most HR managers gave insufficient pay and lack of career development, including promotions, as the main reasons.On top of the usual stressors -- ever-higher productivity targets, only 24 hours in a day, and the struggle to carve out some kind of life outside of work -- economic uncertainty adds "the fear of layoffs and feelings of powerlessness. If You're Overwhelmed By it All,Try These Four Stress-Fighting Tactics:
Make a long-term to-do list. Think about all the small, incremental things you can do to build career success over the course of a year, or five years -- take someone out for a networking lunch now and then, work on picking up a new skill, put in a little extra time helping the boss solve a knotty problem. Making a list of these, and doing something on the list when you feel "stuck" in your regular job, will help you feel you're getting somewhere and not just spinning your wheels. That sense of accomplishment is a powerful stress reducer.
Several times a day, just chill. From taking a deep breath, to stretching, to going over your schedule to cross off non-essential commitments, we each have things we know we can do to ease our stress level. Get in the habit of taking a few minutes several times a day to consciously manage stress. Take a short walk. Call a loved one on the phone. Check out a web site that makes you laugh. It sounds simple but, over time, you'll probably find you're less exhausted.
Fight perfectionism. Many successful people suffer from a neurosis I call "A-student syndrome," which makes them feel they have to be perfect at everything. This is a dandy way to stress yourself out even more than your job, or your life, actually requires.
Mark necessities on your calendar in ink, not pencil. Sure, we all know people who seem to fit in a weekly massage, get a haircut every six weeks without fail, and somehow make time for volunteer work and book clubs. Never mind those people. Instead, ask: What are the things that you know are non-negotiable to you over the course of a year? From dental exams to your annual vacation, commit to the really necessary stuff as soon as possible. By holding these times as 'sacred' in your calendar. You'll carry a calming sense that there is a baseline of self-care in place no matter how chaotic things get in the meantime
So next time you feel super stressed at work, just take a deep breath,remember you could be unemployed, and that its ok not to be perfect - Nothing is the end of the world and you'll be fine- well... at least stress free!
Make a long-term to-do list. Think about all the small, incremental things you can do to build career success over the course of a year, or five years -- take someone out for a networking lunch now and then, work on picking up a new skill, put in a little extra time helping the boss solve a knotty problem. Making a list of these, and doing something on the list when you feel "stuck" in your regular job, will help you feel you're getting somewhere and not just spinning your wheels. That sense of accomplishment is a powerful stress reducer.
Several times a day, just chill. From taking a deep breath, to stretching, to going over your schedule to cross off non-essential commitments, we each have things we know we can do to ease our stress level. Get in the habit of taking a few minutes several times a day to consciously manage stress. Take a short walk. Call a loved one on the phone. Check out a web site that makes you laugh. It sounds simple but, over time, you'll probably find you're less exhausted.
Fight perfectionism. Many successful people suffer from a neurosis I call "A-student syndrome," which makes them feel they have to be perfect at everything. This is a dandy way to stress yourself out even more than your job, or your life, actually requires.
Mark necessities on your calendar in ink, not pencil. Sure, we all know people who seem to fit in a weekly massage, get a haircut every six weeks without fail, and somehow make time for volunteer work and book clubs. Never mind those people. Instead, ask: What are the things that you know are non-negotiable to you over the course of a year? From dental exams to your annual vacation, commit to the really necessary stuff as soon as possible. By holding these times as 'sacred' in your calendar. You'll carry a calming sense that there is a baseline of self-care in place no matter how chaotic things get in the meantime
So next time you feel super stressed at work, just take a deep breath,remember you could be unemployed, and that its ok not to be perfect - Nothing is the end of the world and you'll be fine- well... at least stress free!
Subscribe to:
Posts (Atom)
