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5 Critical Success Factors to Getting a Job
5 Critical Success Factors to Getting a Job
By Anthony Ranieri

In 2000, I accepted a job as the Human Resources Manager for a large auto-components manufacturer. I had the undistinguished task of laying off 250 workers due to an imminent plant closure. If you speak to any person in the human resources profession they will tell you how mentally difficult it is to let people go and see their disappointment in the process.

Redundant employees express a wide range of emotion, rangin ...
Author: Anthony Ranieri

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Specialized Solutions, Inc. Introduces ThinkTank
Specialized Solutions, Inc.
338 E. Lemon St.
Tarpon Springs, FL 34689
January 24, 2003

For Immediate Release:

For more information:
Cheryl Pelchat - Web Specialist
cherylp@specializedsolutions.com

Specialized Solutions, Inc. Introduces ThinkTank

(Tarpon Springs, Florida)-Specialized Solutions, Inc., premier developer of self-study and certification training products proudly introduces ThinkTank. ThinkTank is a revolutionary, enterprise-wide training sol ...
Author: Cheryl Pelchat

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Web Marketing Specialist
Specialized Solutions, Inc.
338 E. Lemon St.
Tarpon Springs, FL 34689
January 24, 2003

For Immediate Release:

For more information:
Cheryl Pelchat - Web Specialist
cherylp@specializedsolutions.com

Specialized Solutions, Inc. Introduces ThinkTank

(Tarpon Springs, Florida)-Specialized Solutions, Inc., premier developer of self-study and certification training products proudly introduces ThinkTank. ThinkTank is a revolutionary, enterprise-wide training sol ...
Author: Cheryl Pelchat

CLICK HERE TO READ THE REST OF THIS ARTICLE

Why do language training programs fail?

If you want to make your training program succeed, you have to look beyond the class and at the company itself. As a trainer you have a shared responsibility, along with the company, of ensuring that what's learned in the classroom is transferred over to the day-to-day activities of the company. It is only when this transfer occurs, that the program can be seen as effective. The following tips are designed to help you make informed decisions when planning a course, and also help make your co ...
Author: Gordon Graham

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Teachers, do not overlook teaching your students how to write checks
The stock market is in a downturn, corporations are laying off workers, public companies are collapsing and federal law makers want the next generation of students to understand how to manage their money.

A subject that was once kept in the home is being moved to the school systems because the teaching of financial education in the home is failing. In 2002, 75% of the graduating high school seniors could not answer basic financial concepts. To solve the problem, teachers at all levels ar ...
Author: Timothy Liptrap

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2005: An Email Compliance Odyssey - Get your enterprise ready to comply with multiple federal infor
“The two overarching themes for compliance management in 2005 will be the adoption of best practices and the accelerated focus on and use of IT.” --Gartner Research

Federal legislation targeting the dissemination of private information has forced businesses in every industry to rethink how they communicate. The three primary regulations, the Health Insurance Portability and Accountability Act (HIPAA), the Gramm-Leach-Bliley Act (GLBA) and Sarbanes-Oxley (SOX) affect virtual ...
Author: CipherTrust

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Block Spam with An Easy Behavioral Change
By Catherine Franz

E-mails now have a connection back to their servers. I will
leave the technical aspects out of this article. Instead, I
will walk you through how information from your computer is
getting back to them.

You have probably experienced this already, an e-mail lands
in your box with many symbols in the subject line created
with the Shift Key plus a Number Key. This is the most
common one. For example, it may look like this:
&*)(*&^%$! Except the l ...
Author: Catherine Franz

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Distribution Lists and Databases: A Primer for Freelancers
Self-marketing is a freelancer’s meal ticket. Promoting yourself through e-mails is one important avenue for self-marketing. Did you know you could set up your contact base to send one e-mail to numerous prospects? Or you could send one e-mail to all the freelance partners in your business network at the same time?

Microsoft Outlook (not Outlook Express) has the feature to do just that.

There are two Microsoft mail management systems. Microsoft Outlook is designed for business us ...
Author: Lyn Blair

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Organizing Your Email

Keeping your email organized is imperative, especially in corporate or small business settings. When you use email for business purposes, you are essentially handling customer files. Because of the importance of this for even the smallest of businesses, those files should stay as organized as possible. You wouldn't just lump all of your paper customer files into a corner would you? Most of us wouldn't, so here are some ways to keep the email files (correspondence) organized as well.

I ...
Author: Kathy Burns-Millyard

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E-mail Security Governance: E-mail Encryption and Authentication as a Business Enabler

How to Easily Secure Your E-mail System and Comply with HIPAA, Sarbanes-Oxley, and GLBA Regulations



While recent government regulations vary in scope and purpose, the need to protect and ensure the integrity of information is universal. Much of the information germane to business today is assimilated and communicated over messaging platforms such as e-mail. As a result, the need for a comprehensive approach to the secure delivery of e-mail affects almost all organizations, regard ...
Author: CipherTrust

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How HIPAA Security Policies Affect Corporate E-mail Systems
Although considered by many to be the sole concern of health care providers, the Health Insurance Portability and Accountability Act (HIPAA) affects nearly all companies that regularly transmit or store employee health insurance information. HIPAA was signed into law in 1996 and it's original purpose was to protect employee health and insurance information when workers changed or lost their jobs. As use of the internet became more widespread in the mid-1990s, HIPAA requirements overlapped with t ...
Author: CipherTrust

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How Sarbanes-Oxley Affects Corporate Email Systems

The Sarbanes-Oxley Act of 2002 and associated rules adopted by the Securities and Exchange Commission (SEC) require certain businesses to report on the effectiveness of their internal controls over financial reporting. Effective internal controls ensure information integrity by mandating the confidentiality, privacy, availability, controlled access, monitoring and reporting of corporate or customer financial information. Companies that must comply with Sarbanes-Oxley include U.S. public compa ...
Author: CipherTrust
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Email Management
Email Management
If you utilize a computer at home or work it is likely that you use email. Email is an electronic message that is sent from one computer to another following a specific protocol (Simple Mail Transfer Protocol or SMTP). As email's popularity has grown so too have the inherent problems with email.

In order to send email you must have the exact spelling of the email address. If there are any typographical errors in the recipient's email address then an unintended recipien ...
Author: S. Housley

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10 Essential Steps to Developing a Successful E-Mail Marketing Campaign
Developing and executing a successful e-mail marketing
campaign is becoming more challenging. The SPAM problem
isn't improving and laws are tightening their grip on
e-mail marketing.

So, you need to carefully develop your e-mail marketing
campaign with great care.

Here are 10 steps you can use to develop a successful
e-mail marketing campaign:

Step #1 - Define the purpose of your e-mail campaign

Whilst this step may seem pretty obvious, you will be
Author: Fabian Lim

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How software advances are revolutionizing email marketing tactics?
Email marketing offers the unique opportunity of direct contact without the hassles of paper-based mailings. Delivery is instant and response can be as quick circumventing the usual pace of snail mail. Email marketing is used in three distinct ways:

To inform customers about offers, discounts and the like

To send updated information on a company¡¦s products and services

To send free informative articles and write-ups to maintain contact and build customer loyalty.

Em ...
Author: C.S. Raman

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The Cybermagic of Whitelists
Before we start getting deep into the meat of this article it's important to explain some standard terminology to make sure the rest of this article makes sense.

*An IP address is a number which identifies your location on the Internet.

*A blacklist is a list of IP addresses which your antispam software uses to block incoming spam.

*A whitelist is the exact opposite of a blacklist.

A whitelist is a predefined list of IP addresses that are allowed to send email to and ...
Author: Niall Roche

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Lifetime Email Addresses part 3
Checking Domain Name availability

Having decided on a domain name we now need to check its availability before we can register it. All registrars that can register a .name domain name also have a facility for checking its availablity. So to check the availablity of your domain name go to either any of the .name registrars a complete list is available here: http://www.gnr.name/registrarlist.html

Before you Purchase

If you check on one or two of the registrars above you will n ...
Author: Stephen Cope

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Building an Email Marketing List
There's a marketing estimate that it takes something like seven contacts with a potential client before they purchase. Email is a wonderful way to handle these contacts for a variety of reasons:

1) you can send one message to a large number of people
2) compared to traditional hard copy marketing it can be a lot less expensive
3) if you use a list management system you can get instant results like how many people opened the email and how many "click throughs" there were to the li ...
Author: Megan Corwin

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Break The Habit - Just Say 'No' To eMail
In the beginning, email was an effective tool for getting our ezines out and our marketing messages to our readers. The truth is, email is no longer a viable alternative. In all likelihood it may not recover unless some serious changes are made to the technical protocol of how email can be created.

In the meantime, your business has been suffering in a big way. And if you continue to rely on email, you may find yourself out of business.

Publishers today have become extremely frust ...
Author: Lois M. Jeary

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Best practices for Email Marketing
Best practices for e-mail marketing

Business use of email has increased dramatically the past 2 years, with many workers checking their email constantly throughout the day. A study from the Gartner Group showed that 42% of users check their business e-mail even while on vacation, and 23% check it on weekends. During the workweek, 32% check their e-mail constantly throughout the day, and 53% check their e-mail six or more times a day. This is the good news.

The bad news is estimates ...
Author: Stefanos Cunning

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Small Business Q & A: Beware Of Spam Withdrawals
Q: I am so sick of all the spam that is sent to my business
email address. I spend an hour every morning just trying to sort
out the good email from the bad. I know I could just delete it
all, but I'm afraid I'll accidentally delete email that might
be important to my business. Short of unplugging my computer,
what's the best solution for dealing with spam?

A: I feel your pain. I, too, miss the good old days when
the only time you'd spend an hour dealing with spam ...
Author: Tim Knox

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Email Legislation Explained
European Email Legislation in 5 minutes!

There has been a lot has been talk over the last couple of years - particularly since the August 2000 Distance Selling Directive did not give the direct marketing industry sufficiently clear guidelines about opt-in and opt-out status in respect of email usage.

At that point it was left to individual EU Member States to ensure that Unsolicited Commercial Emails (UCE) are only sent where there is no clear objection from the consumer. This ambi ...
Author: John McCabe

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Email List Proposal
Email List Proposal

List owner: < Who has collated the file? >

List name: < What is the file known as? >?

Description: < Description of the recipients on the file including lifestyle demographics, age, gender etc for consumer lists, and job function, company type etc for business.>

No. of Records: < Total number available that meets your chosen criteria to establish the scope for
roll out.>

How was the file collated: < Are they col ...
Author: John McCabe

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Email List Rental
Email List Rental

We have all heard the hype about fantastic response rates from email marketing – and they do exist – but how do you get them. Low response rates are a result of cheap, poorly maintained lists being offered from unscrupulous sources. A good list
does not automatically mean a great response rate – you have to be aware of other factors such as the offer, the timing, the price etc, - but it goes along way to achieving those high response rates we have all heard about.
...
Author: John McCabe

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Email List broker brief
Email List broker brief

The Client: The clients name and reputation may be important to your negotiations.

Product/Service: To whom is the product/service most likely to appeal? As much detail here as possible – typical profiles, insight into your
existing customer base etc.

Objectives: Provide as much detail as you can about the required
volume/percentage of responses, also the “quality” of likely respondents.

Creative: Share with your broker exactly how the em ...
Author: John McCabe

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The Top 10 Rules for succesfull Email Marketing
Top 10 Rules
Over the years I have helped create and execute hundreds of email marketing broadcasts for everything from conferences to double-glazing, and betting services to financial services. I have seen some outstandingly good creative and some outstandingly bad. Creative is not the only factor involved in email success - data, timing, offer etc also have important bearings on response rates. Over the course of time I have come to recognize a few simple, but fundamental rules about email ...
Author: John McCabe

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Half-Baked E-Mail
If you are serious about adding e-mail to your marketing mix, you should take e-mail seriously enough to develop a plan for it. Too many organizations launch a half-baked e-mail program and then are disappointed when it doesn’t live up to expectations.

The plan does not have to be as long as War And Peace, but it must include a few key elements so that you can develop a focused, targeted, measurable program that gets results. At a minimum, here are the elements that I recommend:

• ...
Author: Harry Hoover

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PLAIN JANE EMAIL EQUALS FLAT RESULTS
Years ago, when email was just emerging as the incredible
marketing tool it is today, everything was done in plain text.
Since not everyone uses the same email program, and not all of
them are compatible with the others, messages often ended up
looking like nothing but jumbled pieces of nonsense. Besides
that, they were boring.

Thus, Internet marketers were forced to find a way to spiff up
their email messages to make them grab attention. Luckily, HTML
was there to pr ...
Author: Karen Fegarty

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Email Business Etiquette
Email Business Etiquette!
by BB Lee (C)2002

Email etiquette is fundamental stuff...for most Online Business
people. In fact, think of how you respond to Online messages as
important image management. Handling your messages the correct
way will make you appear professional while building your
reputation Online as a responsive, attentive, business person,
who really cares about his customers. In the long run this
will surely build your "rep" and your income.

...
Author: BB Lee

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E-mail: a Story of Evolution by Design
The Killer App
Known as ‘the killer app of the ‘90s, e-mail has
come a long way, from the dawn of e-mail packet-switching
theory in the 1960s and the first e-mail programme in 1971,
to the present day, 2001, where rich media and java
technology have created e-mail that can battle with
television advertising and improve return on investment.

Throughout the 90s the key benefits of e-mail were in
its cost-efficiency, its quickness and click through rates.
The fact tha ...
Author: Cheryl Rickman

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Forms: The next level in e-mail communication!
Everyone knows that communication is an essential part when you
want to make profit online. It sometimes takes up to 10
follow-ups through e-mail to actually make a sale from your
site, since the visitor has the choice between many similar
products or services. I've seen people provide a link to their
e-mail address and wait for the questions to roll in. Are you
doing the same? Then consider changing that rapidly. Why? There
are 8 reasons why you should switch to Forms ...
Author: Raphael Pirker

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There Ain't No Such Thing As A Free Lunch: Listbot
This column is about TANSTAAFL, which is a term from a book by Robert A.
Heinlein (one of the best Science Fiction authors that ever lived) called
"The Moon Is A Harsh Mistress". The term means "There Ain't No Such Thing As
A Free Lunch". This concept is the basis of the plot of the book, which is
about a Lunar penal colony and it's attempt to free itself from Earth
domination.

Listbot

Some years ago I decided it was time to create an email newsletter. I had
been ...
Author: Richard Lowe

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Writing a good and attractive e-mail for permission marketing
Using permission based e-mail is one of the most powerful promotional
tools available to any Internet business. What makes an e-mail
successful? We believe an e-mail should promote, excite, educate and
entertain. Our peers might disagree, they say that an e-mail
should only promote. We think promotion is an essential part of an
Opt-In e-mail but should not be the sole component. In this article, we
will talk about the important components of a successful Opt-In e-mail.
Those ...
Author: Daryl Clark

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Make Your E-Mail Signature File WORK for You!
You're probably familiar with e-mail signature (or "sig")
files – they're the few lines of contact information that many of us
put at the bottom of every e-mail we send. Most e-mail software
programs allow you to create and use sig files — even the newer
versions of AOL.

I've heard some people who don't use sig files defend their
position by saying, "All my clients know my info – I don't need to
remind them with every e-mail." Stop! You're missing a perfect
opportu ...
Author: Alexandria Brown

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Efficiency in the Office
Efficiency in the Office
(435 words)

Nearly every office, be it commercial or home-based, may have areas of inefficiency that can be improved upon. We are not talking sales figures or profit margins or budgets, but inefficient waste and resource management. For instance, let us look at some common aspects and consider how consumption can be reduced and how to make better use of resources.

Not all paper work and receipts need to be shredded, but sometimes, for the sake of securit ...
Author: Lillian & Dave Brummet

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The Valuable Individual

The Valuable Individual
(413 words)

How can we, as individuals, participate in waste management? Because some of us are so overwhelmed with Earth’s problems, we feel that our contributions have no real consequence in the end. For others, social barriers can be an issue. A lady we once knew confessed that she did not want to be seen buying used items or being concerned with power use. She was worried people would see her as cheap – a scrooge – when the family was so affluent. Yet, s ...
Author: Lillian & Dave Brummet

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NLR: CONNECTICUT’S ONLY DEP PERMITTED MERCURY LAMP RECYCLER
About NLR
As the leading provider of comprehensive universal waste management services, Northeast Lamp Recycling (NLR) serves commercial, industrial and residential customers throughout New England, New York, New Jersey and the United States. Headquartered in East Windsor, Connecticut, our primary focus is to significantly reduce environmental mercury-contamination associated with the improper disposal and mismanagement of “spent” fluorescent and other mercury-containing lamps. NLR’s goal is ...
Author: NLR, Inc

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Recycling Cell Phones
Recycle Cell Phones
Technological advancements providing users with improved reception through integrated antenna systems, reduced size and weight of cell phones, along with numerous feature sets, and storage improvements have caused the bulk of cellular phone users and enthusiasts to upgrade to new and improved handsets. The low cost of cell phones and the added technological improvements mean that the majority of cellular phone users are on their 2nd or 3rd generation hand set.

Envi ...
Author: Sharon Housley

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Green or Mean Returns - Investing in the Environment
Every industry is affected by rules and regulations. Environmental issues are becoming of greater importance as more and more regulations go into affect. Cleaner air, water, pesticides even the garbage we throw away is regulated. Do you think much about it?

Even the oceans are cause for environmental regulation. The resent oil tanker that broke in two off the coast of Spain has become world news and threatens the ocean's eco system and the industries that rely on it. From an investment pe ...
Author: Freddie Mooche

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Mom's Car Stereo
Do you remember the car stereo days of youth - windows down, hair wildly blowing and the radio blaring the latest and greatest musical hit? Depending on which friend was with me at the time, my in-dash could be playing dance, hip hop or even heavy metal. But no matter which music was selected, the purpose of volume was to drown out your own exuberant impressions of the coolest music sensations. With all the pleasure that my melodic actions used to bring me, I have to wonder what has happened to ...
Author: Sherri L Dodd

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5 Steps to Stress-Guard Your Family
5 Tips to Stress-Guard Your Family

Part 1: Recognize the importance of family stress management

Joe and Emily live in Southern California with their three young children. Both work and must commute 2 hours daily on busy freeways, often not getting home until 7:30 PM, exhausted and depleted.

Stressed, they have little patience for the antics of their
young children. This results in frequent shouting matches, defiance on the part of the children, and escalating family tens ...
Author: Dr. Tony Fiore

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Mother in Good Humor
Children - the little buggers can drain your energy, break your valuables and absolutely send you to the moon sometimes. The range of trouble can go from babies with their high decibel crying to toddlers with their never-ending, cluttering curiosity to your preschooler with his gripes and whines and on to your grade-schooler with her indignant attitudes. I have not yet the privilege of the higher ages yet, but I hear it escalates to over-sensitivity and highly dramatic meltdowns. With all this c ...
Author: Sherri L Dodd

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The Mystery of Furry Animals
Comfort! Everyone wants comfort. Air-conditioning systems have
been invented for the purpose of providing comfort to the
inhabitants of buildings. The science of psychometry was
developed to understand the properties of the air - the
temperatures, humidity and the heat values.

However, the human body, a marvelous piece of creation can
adjust itself to changing climatic conditions to provide comfort
to the owner. It has become quite common knowledge that sweating Author: Thomas Yoon

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New Fantasy Series Captivates Young Readers
New Fantasy Series Captivates Young Readers
Author Interview with Alan St. Jean, Aidan of Oren: The Journey Begins
By Lisa M. Hendey

Fans of the Lord of the Rings or Chronicles of Narnia series have a new resource to share with the younger readers in their families. Ohio author Alan St. Jean recently released the first volume in his planned trilogy, Aidan of Oren: The Journey Begins (Moo Press, October 2004, hardcover, 207 pages). Aimed at readers ages nine through twelve, this firs ...
Author: Lisa M. Hendey

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Preparing For The Worst
I would say that most of us have experienced money problems at
some point in our lives. This could have been caused by the loss
of a job, injury or illness, over spending, and the list goes on
and on.

Right now in the US there are hundreds of companies downsizing
or going out of business. In some cases this is due to the
economy. In others we have seen cases of very poor management
and down right fraud. No matter what the reason, people have
lost their jobs and th ...
Author: Terry J. Rigg

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Get Serious About Your Money
What is the most important aspect of getting your finances
in order? In past articles I've written about how important
discipline, organization and sacrifice are to solving
your money problems, but this all comes later.

For years I would write my bills down, figure my income and
subtract the bills from my paycheck to see what was left. It
was a real good start but by payday it was either forgotten or
something would happen to mess it up.

It finally dawned on me th ...
Author: Terry J. Rigg

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How Did I Get In This Mess?
When I was younger and having all kinds of money problems, I ask
myself a thousand time how I got myself in this mess. It seemed
like one day we were doing fine financially and the next we owed
everybody. How can it happen so quick?

This is a problem that a lot of people are experiencing today.
It can be one of the most helpless and frustrating situations
most of us can find ourselves in. To make matters worse, it
seems the harder we try to get a handle on our financ ...
Author: Terry J. Rigg

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Day One at Nursing Home For Rehabilitation
Finally your patient is at the skilled unit of nursing home. The admission paper work into a skilled nursing home for rehabilitation can take near up to an hour to complete. The responsible party whether it is you the patient, your spouse an adult child, someone will have to sign all of the paper work.

The day that the resident is received at the nursing home skilled rehabilitation unit the resident or the responsible party will be offered a list of physicians to select one that will foll ...
Author: Tammy Gonzales

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How Will You Pay For Skilled Rehabilitation In The Nursing Home
One of the most frustrating events for individuals facing rehabilitation is thinking that their insurance is going to pay for everything and finding out that their insurance will not pay for the complete services required for a successful rehabilitation.

Nursing home skilled units want to be assured that the necessary steps will be taken to assure that they will be paid. Nursing homes are most familiar with Original Medicare, Medicare Advantage Plans, Medicare Managed Care Plans, Medicare ...
Author: Tammy Gonzales

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Spring Maintenance Tips
NEWS RELEASE
Contact: Jordan Walt (503) 653-8287
A.I.C. Insurance Agency Offers Spring Maintenance Tips to Protect Your Home
Milwaukie, OR February 1, 2005 – A home is one of life’s most important investments. Keeping it properly maintained can help reduce the risk of a loss and help ensure the safety and well being of friends and family. Just in time for spring, AIC Insurance Agency and Travelers, a leading provider of auto and homeowners insurance, offer these maintenance tips to prep ...
Author: Jordan Walt

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Money Worries?
If you are worrying about your money problems it's time to STOP
IT NOW! Easier said than done, huh.

In my 25 to 30 years working with personal money management
problems I have never seen worry help solve the problem. In
fact it has just the opposite effect.

Worry clouds your judgment. You have certain actions that
you need to take to get your problems solved and you will need
a clear head to make the necessary decisions.

In some cases the worry leads to ...
Author: Terry J. Rigg

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Don't Sign That Lease Yet
You're being transferred to a new city in another state for a position that you start in exactly two weeks. You fly to your new hometown to select an apartment. You have exactly two days to make a decision and sign a lease, so when, after much searching, you find a vacancy in a relatively decent property, you're anxious to sign when the lease is placed in front of you. Resist the urge. As mentioned in previously in our report "Avoiding Tenants' Tribulations," wearing rose-colored glasses can eas ...
Author: dan the roommate man

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8 Tips for Renting the Right Apartment
So, you're looking for an apartment to rent or share with a roommate. Whether you're a first-timer or an experienced apartment-hunter, it's worth taking the time to decide what's most important to you in where you live and to plan your search strategy accordingly. With that in mind, here are eight tips to consider:

1. Make a list of your top housing priorities.

Do you need extra parking spaces? A place that welcomes pets? A large kitchen or linen closet? A ground-floor entrance to ...
Author: dan the roommate man

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Marketplace Overtaking Rent Control,
Rent control is one of those concepts that seems like a good idea, at least until you think about it for more than 60 seconds -- an unusual event in an era of bumper-sticker philosophies and instant analysis.

The modern rent control era began with the federal Emergency Price Control Act of 1942. Such legislation was enacted while the country was at war both in Europe and Asia, and there was a need to prevent profiteering at home. Once the war was over, the need for price controls went awa ...
Author: dan the roommate man

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How Much Rent is Too Much Rent?
You want what every apartment renter wants: the most comfortable surroundings you can get for the lowest possible monthly rent. Some of today's newly constructed apartment communities have taken luxury to an entirely new level. Some complexes have gas fireplaces, TV monitors by the front door, drive-through mail service, and office equipment for their tenants, among other creature comforts. Every renter has to consider the importance of amenities like these. Are they important enough to you to m ...
Author: dan the roommate man

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Apartment Searches: Lose the Rose-Colored Glasses First
If you're getting ready to rent, don't do what this editor did once ... a long, long time ago.

Don't walk into the unit -- particularly if it's not the same unit you're getting ("It's pretty similar," you'll be assured, but don't listen) -- nod, and let that affordable rent lure you into blurting out, "I'll take it!" (That exclamation is often fueled by that familiar lust for freedom that new twentysomething college graduates experience. The fear of another year under Mom's and Dad's roof ...
Author: dan the roommate man

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A Tool to Help Mothers Order their Lives
A Tool to Help Mothers Order their Lives
Review of Orderly Days from Kate Conway and Motherhood Press
By Lisa M. Hendey

Typically by this time of the year, calendars and planners are marked down to half price and most moms have given up on yet another set of New Year’s resolutions, including the perennial favorite one to get their lives organized. Thankfully, this year there is a new tool on the market that will help revolutionize the homes and spiritual lives of many families.
...
Author: Lisa M. Hendey

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Moving Out: A Renter's Obligations
Moving is an exhausting process, from finding a new place to live to hiring reputable movers to boxing your belongings and unpacking. So it's easy to understand why many renters tend to overlook important details before they they move out. In the rush to wrap things up and move into their new residences, people occasionally forget their obligations as a tenant, and those obligations later come back to haunt them.

A frequent question asked by renters is how much notice they're required to ...
Author: dan the roommate man

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HOW TO APPLY FOR AN APARTMENT
WHAT DO I NEED TO BRING

You and your roommate finally find that perfect apartment and you are ready to submit your application. What kind of information will you be expected to provide?

Most property management companies will need the following from you:

* Name, address and telephone numbers of past and current employers.

* Name, address, and telephone numbers of past and current landlords usually up to 3 years but you may be required to back further.

* A photo ...
Author: dan the roommate man

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Entry-Level Mommy
When I left my high-tech corporate job to be an at-home mom, I had no idea of the changes I was going to encounter. No, I am not talking of the usual baby stuff like not freaking out when food or something worse gets rubbed on my nice clothes…if and when I get a chance to where nice clothes. Nor am I talking about the fact that I could no longer have extravagant and expensive knicks-knacks on my coffee table. What I am talking about is something else…and someone else. I am talking about having t ...
Author: Sherri L Dodd

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College Savings Reward Plans - Making Them Work for You
Tim Paul has more than 25 years executive financial management experience. His current areas of focus are developing strategies to maximize the benefits of HELOC loans and free college savings programs. His websites are HELOC Loans - Tips for Savvy Users and 529 Plan Rewards - Helping Parents Maximize College Savings

...
Author: Tim Paul

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Springtime Money Laundering
Summer is right around the corner and most of us have our to-do-lists figured out, mentally, if not written down yet. Bible camp for the kids, plant a large garden, and a trip to the lake. What about financial housekeeping, shouldn't that be on your list too?
Early summer is a great time to take a financial breather. The holidays are a long way off, the taxes have just been paid and we're spending time eating in the backyard instead of dining out.
If you take even one day out of your summe ...
Author: Roger Sorensen

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Top 5 Best Home-Based Business Ideas
I have been receiving child support payments and back-child support payments for over twenty years. I cannot begin to tell you how the child support checks have helped me provide for my daughter.

I used a portion of my child support funds to make more money in an effort to provide a better life for my child. If you really give it some thought I am sure you too can come up with a home-based business idea that will help you provide for your family. I created a home-based business because I ...
Author: Detra D. Davis

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Helping Your Children Develop Their Self-Discipline *
PERMISSION TO REPUBLISH: This article may be republished in newsletters and on web sites provided attribution is provided to the author, and it appears with the included copyright, resource box and live web site link. Email notice of intent to publish is appreciated but not required. Mail to: eagibbs@ureach.com

We want our children to do the right thing, especially when they are out with their friends. We want to believe in them, but somehow, we don't feel certain that they would.

Author: Etienne A. Gibbs, MSW, Management Consultant/Trainer

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Cheap Christmas Gift Ideas
Now that the biggest shopping season of the year is in full
swing it might be a good time to create a holiday budget.
I'm sure there are lots of names on your list, but hopefully
you can find gifts that won't put a big dent in your
pocketbook. I've come up with a few good ideas that might
help.

Make your Own. Everybody loves a homemade gift. It means
that you really put some time and thought into it. You can
make your own bath salts, bubble bath, brownie mixes and mo ...
Author: Shannon Jarvies

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Effective Fire Prevention Measures in the Home 2
Although we can do our utmost to prevent fires from happening by
isolating the sources of heat from combustibles and oxygen, it is
often the unexpected event that catches us unawares.

Carelessness

Sometimes, forgetfulness can result in an accidental fire. Putting a
kettle to boil water on a gas stove and forgetting about it can be
disastrous. When all the water has evaporated, the kettle becomes red
hot, melt and spread the molten metal around.

LP gas leaks ...
Author: Thomas Yoon

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Effective Fire Prevention Measures in the Home 1
Are you aware that you can lose all your personal belongings
in a single fire?

It's very sad when fire strikes your home. You lose everything.
You do not have a chance to save many belongings. You will be
considered lucky if you escape with your life.

A person's home is a very private piece of his or her existence.
People have been known to struggle for their entire life just to
accumulate sufficient material riches and built comfortable
shelters for thems ...
Author: Thomas Yoon

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Tips for the Thanksgiving Pre-Game Jitters
No, I’m not talking about the football game, I’m talking about everyone’s coming to your house this year for Thanksgiving and you’re getting the pregame jitters.

When it’s all rumbling around in your head and you can’t take action, you can get a case of the nerves. What to do? Let’s apply some EQ (emotional intelligence)!

EMOTIONS

Sort through the emotions to get them organized and under management. Knowledge is power!

Figure out the different things you’re feeling, ...
Author: Susan Dunn, MA, Personal Life & EQ Coach

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Have You Lost Your Mind?!
He was fighting me every step of the way, arched back, stiffened legs and an indignant bellow. With my mind focused on securely fastening my toddler in his seat, all else was an insignificant distraction. Even when my remote became wedged between my hipbone and the carseat and locked the doors. Even when my keys, once secured in my pocket, dislodged and fell to the floor. Yes, they were all just distractions. When I accomplished the chaotic task and my son was secured in his babyseat I shut that ...
Author: Sherri L. Dodd

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What Students and Parents MUST Know about Student Loans
word count: 634
character width: 60
resource box: 4 lines + web link

==========================================================
"What Students and Parents MUST Know about Student Loans"

- by John Williams

© DigiLectual Inc. 2004
http://studentloans.college--loans.com/
==========================================================

A student loan helps you get through college. Then you
come out into a high-paying career. It's a great
investment in your ...
Author: John WIlliams

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An Overlooked Plan for Bush, Kerry, Democrats, Republicans, and Healthcare Costs

In an effort to assist our political leadership it would be wise to have a simple solution to a life threatening problem. The much talked about Medicare Medication benefits are going to waste if the medications are not taken properly. Since this month of October is “Talk About Prescriptions” we should recognize some basic facts. There are multiple steps available that will benefit all consumers of healthcare. (Aside from obvious unmet steps for physical activity such as of wa ...
Author: Joseph & Victoria Quinn - uss4getmenot Personal Voice
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YOUR FAMILY BUSINESS AND YOUR ESTATE
As Penn State professor William Rothwell ominously points out in the forward to Exit Right: A Guided Tour of Succession Planning for Families in Business Together, more than 40% of the people who run the closely held operations that comprise 80% of the North American economy will retire by 2007. Those businesses will either be sold to a third party or management team, closed down, or passed on to the next generation. In this article I will focus on passing the business on to the next generation. ...
Author: Dave Kauppi

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PASSING THE FAMILY BUSINESS TO THE NEXT GENERATION - IS IT THE BEST CHOICE?
As Penn State professor William Rothwell ominously points out in the forward to Exit Right: A Guided Tour of Succession Planning for Families in Business Together, more than 40% of the people who run the closely held operations that comprise 80% of the North American economy will retire by 2007. It makes me wonder, what is going to happen to all of those businesses? Although it is a noble gesture, passing a business down to the next generation is more often than not, unsuccessful. In fact, stati ...
Author: Dave Kauppi

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Pet Peeve: Dogs Doing Business Where Not Wanted
Publishing Guidelines:
You may freely reprint this article in a print or online magazine, e-zine, or newsletter provided you leave the byline intact, don’t change the content, and make The Dabbling Mum web address clickable. Please consider sending a courtesy copy for my records. Send an email to dabblingmum@yahoo.com

Word Count: 522

We’ve recently moved into a new apartment complex that really is much like a resort. We don’t have to maintain the lawn, handle any maintenance pr ...
Author: Alyice Edrich

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Raising Courageous Kids - An Author Interview
Author Interview
Raising Courageous Kids: Eight Steps to Practical Heroism
By Charles Smith

In the newly released book Raising Courageous Kids: Eight Steps to Practical Heroism (Sorin Books, July 2004, paperback, 224 pages), author Charles Smith offers parents a treasure chest of resources for recognizing and nurturing the qualities of courage and heroism within their children. Looking at developmental stages between birth and adolescence, Raising Courageous Kids provides parents wi ...
Author: Lisa M. Hendey

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Develop Your Child's Critical Thinking Skills
1. Encourage Questions.

Don't answer every question, instead ask what do they think. Asking questions stimulates conversation between you and your child.

2. Don't Criticize.

Criticism invites low self-esteem. Children feel that they have failed or disappointed their parents when they are criticized. Find alternate ways of correcting the problem. A child will likely shut down communication if they feel that their parents are not supportive.

3. Respect Your Child's ...
Author: Marie Magdala Roker

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Suck Up Those Dust Hippos
Suck Up Those Dust Hippos
By David Leonhardt

The sun was shining. The refrigerator was humming. The kids were stapling each other to the bathroom door. It was a typical, peaceful day around our house. Until I decided to vacuum.

"Make sure to vacuum under the bed," my wife called out.

I stopped to consider this unexpected twist in the plot. It would require bending down, maybe even crawling on all floors and hauling unrecognizables from the very depths of Mordor. I had pl ...
Author: David Leonhardt

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How Optimism can Help – or Hurt – Your Marriage
Beth and Tom were happily married for over 25 years – no small feat in today’s world. At first, their friends could not understand how their marriage succeeded, due to numerous perceived shortcomings.

However, closer scrutiny of their marriage revealed that it was their thinking patterns – the ways they explained and interpreted their partner’s behavior to themselves – that strengthened, rather than weakened, their marriage.

Tom’s lack of self-confidence? No problem! This only made ...
Author: Dr. Tony Fiore

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5 Steps to Raising an Optimistic Child
I had just completed a session with 17-year old Julie who suffered from severe depression. Julie believed she was a total failure and would never be able to change anything in her life. Julie also felt all her shortcomings were her own fault.

Where, I ask myself, did such a young person acquire this negative and fatalistic thinking?

The answer soon became apparent when I invited her parents into the session. They began discussing numerous life events and explaining them in ways tha ...
Author: Dr. Tony Fiore

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Due Diligence and Safety Nets
Due Diligence and Safety Nets
By
William Cate

If you're an Angel Investor, you're an endangered species. You live in a high-risk environment. Many of your predecessors failed to take even the minimum safety precautions to ensure their survival. They didn't survive. If you follow their unwise investment policies, your bank balance is at serious and predictable risk.

An entrepreneur, without a business plan, shouldn't be taken seriously. If you invest in a business without a cr ...
Author: William Cate

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Investment Property Part 2 of 2: What You Need to Know Before You Buy






Welcome to the second portion of a two-part series on investment property. In the first installment, "How Not to Become a Slumlord", we discussed a little of what it takes to own and operate a property as well as some of the do's and don'ts of the property management trade. In this second segment, we will be discussing some pre-investment principles that will help you maximize your ROI.

There are three basic principles of investment property that you should know ...
Author: Cameron Brown
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My Cup Runneth Over. . .But I’m Still Thirsty
Most of us, especially those of us who have debtor's disease (if you have it you know what it is!), have commented or at least thought, "If I could just win the lottery, or sweepstakes, everything would be better." Unfortunately, even if that big dream did come true things probably would get worse instead of better.

It's a strange phenomenon. It seems the more money you have, the more you need. It makes perfect sense. Given more money, most people would increase their standard of living. ...
Author: Cheryl Johnson

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Choosing Your Financial Advisor
With so many financial advisors trying to woo you with their qualifications and experience, how do find one you can trust your finances with? ‘Trust’ is the keyword here, as you will depend on him/her for your future financial security. A good financial advisor can help you determine which investments are best suited for you, based on your financial goals. He/She will also be able to help you with a savings program to build your assets.

First and foremost, identify your own needs i.e. yo ...
Author: Dan Noyes

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Offshore investing: spreading risk helps sleep
The world’s economies still dance to different tunes and have different boom and bust cycles that tend to offset each other, even though the differences are getting smaller. As a result, international stocks can provide diversification for a portfolio heavy in U.S. stocks.

Between June 1997 and October 1998, for example, Japan’s Nikkei index lost almost 40%, but European markets did well due to continental economic union. U.S.-style corporate restructurings also began to pay off. One regi ...
Author: Murray Priestley

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Consumer Intelligence: Choosing Smart Debt Consolidation
There is an onslaught of American consumers acquiring more debt. It makes for the business of debt consolidation management an emerging industry. Nonetheless, as the marketplace of the indebted continues to reach proportionate heights, it does not do much for the consumer. According to IRS commissioner, Mark W. Everson, “The new breed [of non-profit credit counseling agencies] appears to be more focused on marketing debt management plans than providing educational or charitable services.”

Author: Holly Bentz

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Choosing the Right Debt Management Service
Regardless of age many consumers are guilty of committing financial suicide. For some people juggling bills and robbing Peter to pay Paul is a vicious and endless cycle. The average American lives ten percent beyond their means. For the individual who lives beyond their means, managing finances with the aid of debt consolidation may be the only solution.

Over the decades, there has been overwhelming controversy regarding the efficacy of debt consolidation loans. The truth of the matter a ...
Author: Holly Bentz

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How Personal Loans Outperform Bankruptcy and Credit Counseling Services
Not all personal financial remedies are for everyone. Reviewing and understanding how the various credit and debt solutions vary, can help you fine tune your resources. Before you commit financial suicide, have you evaluated whether or not a personal loan is better than debt consolidation or filing a bankruptcy?

Did you know that certain non-for profit credit agencies are hired by creditors? They profit with a kick back from the credit card company when consumers use their repayment progr ...
Author: Holly Bentz

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Identifying the Ultimate Personal Loan
One’s misfortune has become some organization’s profit. As the poverty stricken and work class continue to delve deeper into the pits of debt, businesses such as lending institutions and debt management firms and insurance agencies are turning one’s hard luck into their fortune. The recent reports of the unethical practices have gained much controversy.

Quite often, loan companies and credit counseling organizations employ high-pressure methods in targeting the indebted. For instance, Cit ...
Author: Holly Bentz

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Funding Indian Companies with PIPEs
Funding Indian Companies with PIPEs
By
William Cate

In 2003, private equity investments in India totaled over one billion U. S. Dollars. Over eighty investors risked their money in over ninety Indian companies. However, private investment worldwide has been on the decline for the past three years. It’s expected to continue to decline and Indian companies shouldn’t expect to be exempt from this trend. The increasingly popular alternative to traditional investment options is Private I ...
Author: William Cate

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"How I Quickly Doubled My Money"
I have never told this part of my story - I guess I was
a little concerned that people would feel that this strategy
was the "RIGHT" strategy - it isn't, but it can really be a
good strategy if you have the right education.

When I started trading for a living in 1997 I borrowed money
to invest in stocks. I started by getting margin loans. I had
used my home equity to buy investments in the past so it wasn't
totally new to me.

First I borrowed $50 000 and then I bo ...
Author: Joseph Sgro

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80% Wins with Option Spreads
As we repeatedly state here on www.traders101.com, controlling risk is key to winning long-term in the stock market. An effective money management strategy is the bedrock on which ANY successful trading strategy is built. Having accepted that point, let's take a look at my favorite trading strategy using Options (instruments originally designed solely to control risk!!!).

Most markets sped the majority of time channelling sideways, according to long term research at www.traders101.com. A ...
Author: Trader Jack

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Inflation Proof Your Investment Portfolio with ETF’s
Even though inflation has been relatively quiet in the U.S. since the late 1980’s, there now appears to be some strong evidence that it may be starting to heat up again with an expanding economy, combined with skyrocketing oil and housing prices in certain key regions of the country. While the Federal Reserve has been raising key interest rates citing the threat of rising inflation, the cautious message coming out from the Feds are that, inflation is still benign and not yet a threat. Inflation ...
Author: John J. Lah, MBA, CFA

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Becoming A Battle Hardened Real Estate Veteran Without All The Scars:
As part of a new web site that we just launched, www.GetPreconstructionDeals.com, I get repeated requests asking if a particular deal is good or not. While we can’t answer this for individual projects, we can certainly look at what HAS to get done by the investor to dramatically increase the odds of a successful transaction.

Step 1 is always to determine the fair market value(FMV). As a real estate investor, you can always buy properties at the FMV. My question is why would anybody want t ...
Author: Chris Anderson, PhD

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Financial Security for Women 101: Know Where You Are

Although the intent of this series is to help the average woman develop the basic financial skills, there are people of both sexes, from all walks of life, that opt to allow others (or no one) to manage their finances. It may be 'easier' on the surface to be disconnected from the stress of financial management, but ignorance is not bliss when it comes to your money and your future.

It is our sincere wish that everyone have a happy, wonderful life with none of the pitfalls inherent in ...
Author: Karen Walker

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Frog In The Pot
FROG IS IN THE POT
You remember the story about the frog that
was put into a pot of cold water on the stove. He
was not concerned. Someone lit the burner and
the water began getting warm, the frog was very
comfortable and as the water became warmer he
was so relaxed and complacent that he fell
asleep – never to awaken.
Mr. Frog reminds me of today’s stock market
investors and that includes all folks with IRAs,
401Ks and the like. Stocks have been slowly
rising f ...
Author: Al Thomas

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Trading Baskets II: The Crapolio, A Roll of the Dice in the Stock Market
In a previously written article, we expanded the use of the term “Trading Baskets” to include stocks from different sectors or industries. Now I want to share with you an approach to day trading or swing trading that I had some success with back in the wild and woolly, pinnacle days of day trading that may still work today. Unfortunately, this basket of stocks was dubbed “The Crapolilo”, a name it just could not shake. You’ll see why.

The crucial element that traders are looking for in an ...
Author: Floyd Snyder

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Exercising Super Fund Choice
Super choice legislation will soon give more Australians a choice about who manages their superannuation. I hope this tale helps to make it clear why this is important.

Having recently changed my employment status I have had occasion to review my superannuation situation. I always knew that fees differed between funds and this could impact on the final payout, but I didn't realise how large this factor was until I did my sums.

The bulk of my super is in an industry fund which provi ...
Author: Darby Higgs

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Finding Undervalued Stocks 3: Valuing Stocks using Intrinsic Value

In "The Intelligent Investor", Benjamin Graham describes a formula he
used to value stocks. He eschewed the more esoteric calculations and
kept his formula pretty simple. In his words: "Our study of the various
methods has led us to suggest a foreshortened and quite simple formula
for the valuation of growth stocks, which is intended to produce figures fairly
close to those resulting from the more refined mathematical calculations."

The formula as described by Graham ...
Author: John B Keown

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"How Much do I Invest"
"How Much do I Invest"

============================================================

We need to tighten up our act. Too much left to chance is
the recipe for a dangerous result. Tightening up means we
make rules as to "HOW we will play this game" and we stick to
them.

Money Management - Your Ticket to Profits
-------------------------------------------

If your account is $10 000 then you will have a very good idea
as to how much you will place on any (on ...
Author: Joseph Sgro

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Debt consolidation mortgage - decode its apparent complexity
Someone great once said that ‘if it isn’t the sheriff, it is the finance company’. Do you feel the same? Has the piling up of bills forced you to take several loans? Do you live in constant dread that someone would soon come to claim his money. The problem is that you don’t ever seem to have the money. All you earn goes in paying the interest rate on various loans while the loan amount remains intact. There begins the vicious circle. So is there a way out? Definitely, there was never a problem i ...
Author: Shruti Sharma

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