Corporate policy that you Shouldn’t Follow to Keep your Job.

Well, 2 Sprint employees, 1 Wall-mart employee, and 2 Best Buy employees have been fired recently for trying to do the right thing when they all spotted shoplifters, or so they thought.

Apparently all the stores feel that these individuals violated corporate policies on following or chasing shoplifters and they all lost their jobs on account of it.

To beat it all, the 2 Sprint employees were in another store, on lunch and they still got fired by Sprint for their actions.

One of the former employees said that it was the way he was raised, to step up and help when needed, but he still lost his job with Sprint.

You see most every store has their own rules on how an employee should proceed when they spot someone shoplifting while they are at work on company property. Violate the no chase rules on shoplifting and it’s Adiose Amigo for you.

So, and I never thought I would ever recommend this to anyone since I once helped to chase a shoplifter out of a store, across a parking lot and across a side street onto a neighbor’s lawn, where he was tackled by three burly employees, then walked back to the store to face the law over the $10.00 item he put in his pocket.

I don’t even think there were corporate policies on what to do in a situation like that back then, but I do know that because we acted, we not only got a petty thief off the streets who was wanted for stealing other small items from other stores, but we received an Atta-Boy along with a paid day off from the Owner, the next time he visited the store.

I know that now days, liabilities and law suits play a major role as to why there are policies against actions like these. But for Human Sakes, stop punishing those individuals who were raised with backbone, who step in to help where help is needed, because that’s the way they were taught while growing up.

Their parents didn’t teach them to run the other way when something is wrong or someone needs help. They were taught to pitch in and help. Those kind of people should be the leaders of both big business and of our country. They also weren’t taught to sue someone because they stepped up to act and got themselves injured by doing so, either.

What the businesses are effectively telling the criminals now days, is that you can steel anything you like from my store, just don’t come back because you are on camera! Go to another store next time!

What these businesses need to do is just the opposite. They need to set a policy on shoplifting that will warn against employees taking action but still allow for anyone that decides to act on their own behalf to stop or apprehend the crook. It should not only let them keep their job, but be rewarded for what they did also. Sure, have every employee sign waiver papers so you can’t be sued for their actions, but for bloomin sakes man, let them get involved if they so choose! This is America!

By firing them for their actions you are only making things in this country worse, instead of better! What if your daughter or wife’s purse was being snatched and the same guy who got fired for stopping a shoplifter saw it and just walked away! You would have wished that they had acted on their behalf, now wouldn’t you! But what you are teaching everyone by firing these brave souls, is to not get involved in order to keep their jobs.

So, until the companies you work for change their policies on shoplifting, you can do what you feel is right. I am recommending to you, because you need your job, that you just turn your head whenever you see something happening where you work, so that you don’t get fired for doing the right thing.

This way, the thief gets what he wanted, the store recoups their loss with higher prices and you get to keep your job! It’s pretty much a win win win for everyone.

I guess with that said, the stores are off the hook in having to hire corporate lawyers to change policies that would make America a better place, because all they have to do is get out the old price sticker gun to raise prices and cure the problem.

Now, I have a corporate backbone for sale, who want’s it! And if it’s stolen, the next one will cost you double!

P.S. Give those people their jobs back, This is America, Remember!

Bankruptnooption.

Unemployment Extensions! We will update here as we learn about them.Pp

# 1.
They have extended the unemployment benefits temporarily again while they try to figure a longer term handout.

You have been extended to June 2 2010. When they will run out again. Stay tuned for more folks Or comment with updates you have heard about!

Bankruptnooption

When seeking a job, Find your Passion.

Finding a job can be as simple as applying and then after a good interview, starting on Monday. Whala you have a job. But is it really the job that will make you happy?

For a few days while job searching, think and list (leave a couple of lines between each item on your list) all the things that you are passionate about. Things that you enjoy or get happiness from being near or around. Even if it brings you happiness by just thinking about it, then write it down.

Now this is the part that becomes fun. You should be in a little better mood after filling a page or two of things that you like. Now read slowly through your list and as you are reading, you think of or find in the newspaper, jobs for each happy item you listed. You can ask people you know for other job ideas that fit your happy things.

After days and even weeks, you will have compiled a pretty thorough list of jobs for each of your happy items. Now all you have to do is, keep your eye out for a job that’s on your list and apply for it, whether they ask for a million years of experience or not.

On your cover page or when going in to speak with anyone about the position, make sure that you fully explain your passion, the reason you would like a shot at trying to learn the job, and make sure you write it or tell it from your heart.

You see, there are a lot of people each end every year who get the chance at a job, just by telling someone about their passion that goes right along with the job. When you are passionate about something and trying to explain that to someone else, you will absolutely glow. Your audience will be so engrossed in your story, that you become the reason the job was invented in the first place.

I don’t care if one of your passions may be, seeing as many people in a day as you can, and then you find a job opening for a ticket taker at the local theater. It is a good job for you, and when telling the interviewer or writing that cover letter about your passion for meeting people, your dedication, conviction and happiness, will shine through and you will have a better shot at getting that job.

You see, an employer would rather hire the proper person for a job, that way they aren’t constantly looking for a new person when the old one quits. If you show them why you would be the right person for the job, no matter what your passion is that relates to the job, than you will shine above the rest.

Here is a few examples before closing.

Passion; Being alone.  Jobs; Janitor, Security Guard, Private Detective, Funeral Home help, Housekeeper, Park Maintenance, etc.

Passion; Like Flowers.  Jobs; Florist or flower shop help, Interior or Clothing Designer, landscapers, etc.

Passion; Love Ice-cream.  Jobs; Ice-cream shop person, Ice-cream truck driver, Ice-cream factory worker, Ice-cream sales person, etc.

Passion; Hiking.  Jobs; Sporting good store worker, Hiking instructor, Campground attendant, Forestry position, Tour or Hiking Guide, etc.

Passion; Books;  Jobs; Book store attendant, Library personnel, Book publishing company job, Literary assistant, Proof reader,  jobs with time for you to read, Security Guard, Etc.

Anyway, I hope this helps you to not only land a job, but that you end up with one where you eventually advance or branch off and start your own business, because you Found Your Passion!

Bankruptnooption.

Gas Stations Suck.

You are all to blame,

• Exxon
• Mobil
• Shell
• Sunoco
• Texaco
• Lukoil
• Citgo
• Hess
• Getty
• Gulf
• 76
• Amoco
• Cumberland Farms
• Flying J
• BP
• Valero
• Chevron
• RaceTrac/Raceway
• Conoco
• Phillips 66
• Murphy USA
• Speedway
• ARCO
• Sinclair
• Pilot
• QuikTrip
• QuickChek
• Wawa
• 7-Eleven brand gasoline
• Kroger brand gasoline
• Sheetz
• Royal Farms
• Gas City, Ltd.

What more dangerous of a job could you have and get paid the glorious sum of SEVEN dollars an hour.

SEVEN dollars an hour, for all the responsibility, unflexable rules and all the headaches that go with it.

Gas Stations across America, YOU SUCK as employers.

All the big profits you end up making come from people who are hard working, endangering their own lives and for SEVEN dollars an hour.

Then on top of it all, you have all of your crazy rules that everyone must strictly adhere to or it’s the chopping block, with no explanation or even a thanks for anything you did.

You know darn well there are times when a cashier will go slightly over the drawer limits you set. But you set those drawer limits in stone and they may never be broken.

You are not very good management is all that it shows and here is why. You know that when there is a rush and the pumps are full, that the drawer will likely go over and while the rush continues the cashier doesn’t have the time to keep your customers happy and count and dump hundreds of dollars at the same time, YOU KNOW IT. Besides, it wouldn’t be safe either, so they wait for small breaks between customers to make the dumps.

You also penalize them for counting mistakes made when dumping their drawers, so you just hire these people and let them hang by their toes until it becomes publicly known that a mistake was made by someone, then the little big shot regional managers all strap on their firing guns and blow that person away from ever being your employee again, along with putting an unnecessary black mark on their employment history, as if they were the bad guy.

How unfair of working conditions are those. Sure the cashier could make paying customers wait while they count and drop money so their drawer doesn’t go over, and risk one of them calling and complaining that they made them wait, or worse, promote a robbery, then here comes the firing guns again.

You are just BAD management and until the day comes when every gas station clerk in this nation gets their voice heard and changes are made for a little flexibility within you system, you will continue to be just that.

You big Gas companies should respect your workers enough to make things like this change and you should also pay them a decent wage for the dangerous job they do.

Here is a link to a story that happened a while back, showing how some of their rules need to be changed! I sure hope this lady got another job or shame on all of you big Gas suppliers. Link to story and Video.

Bankruptnooption.

Job Tips for Chiefs. Indians Need Not Apply.

Take a look at any of the job spots on any of the local news channels in your area and you would swear that every worker who is searching for a job is a Chief.

When are they going to wake up and realize there are more Indians than Chiefs in any business and that they need to start catering a little more of their advice to the Indians and little less to the Chiefs.

It seems they always tailor their advice more for people who are looking for office positions or management positions ( Chiefs ), where it is important to convey certain types of information to the person interviewing you in order to get the job.

Those people need to explain things like; How you helped the company you were with, How you can help their company, What kind of projects you lead and how they were beneficial to the company etc.. Thats mostly what the stations give as tips for landing a job on almost every job spot.

Indians on the other hand are the back-bone of American business. There is usually two or more indians per chief, so why don’t they start tailoring more of the job help for the Indians who are looking to find regular labor positions? These are the people we need to put back to work for the economy, the ones who need more help top bbc land that job during an interview. They need different kind of tips on landing a job because the items I mentioned for the Chiefs don’t fit with a labor or even a skilled trades position.

Yet all the job spots who give job tips, just keep catering their job tips and information towards the Chiefs. Maybe they figure that most anyone will do in the other positions and someone will get the job. But if they actually thought for a minute, they would realize that it’s important to the hiring manager to find a good reliable person to do those jobs also and not just anyone!

So to all these tip tsections in the papers, on the news channels, and on the internet, Please start giving a little more advise to help the Indians who are trying to land their positions, because after all they are workers too and as the backbone of American production they deserve to have a little help just like you are giving to the Chiefs. Wake Up! and Play Fairly.

Bankruptnooption.

The New Displaced Workers Guidebook (Michigan) is Out

Well, apparently there is someone in Michigan that does see what is going on and wanted to help. The Dean of the House of Representatives, John Dingell had a displaced workers guide on his site, listing many ways to find help in Michigan.

Problem was, unless you visit his site regularly, most people who are loosing or lost their job will never ever know the guide exists. I never did and I wish I had known about it when I was laid off for 14 months! Well it does exist and it has been revised.

The New displaced Workers Guidebook ( for Michigan) is now available and is like the encyclopedia of  “Where is What” for anyone loosing or who has lost their job.

Moneys Tight. is here to let the country know about things like this. That’s why we are here. We spread the word to you and you pass it on. So pass this on to anyone you know who is down right now and needs a little help.

Thanks Mr. Dingell for helping people when they can use it the most.

I would like to see some of the other states representatives step up to the plate for their citizens who need help badly also. If anyone knows of resources for other states such as this then by all means let us know so we can get the word out to those who need it.

Click the following link to get to the Guide and remember to let anyone who you think may need it, know it is here for them, thanks to the Honorable John D. Dingell. He’s one representative that knows we are all in this together folks!

Click — The New Displaced Workers Guide.

We will add it to the GET HELP page so it’s easy to refer to.

Set up a Simple Budget, it’s Your Money!

I was always someone who was dead set against budgeting. I think that was mostly because I was younger and just didn’t realize the importance of setting one up.

I had more money than bills at that point in life and I just didn’t care about finances. But now that I have a lot more years under my belt and have all of the bills and things that go along with it, I realize that a budget isn’t something you make up to limit your spending. A budget is something you make up to be sure that you spend wisely and to let you know where you stand as far as your bills, other debts and savings are concerned. (You can opt to leave out any savings items from your budget if you want to, just don’t write any of them down. Simply take any extra cash each month and save or spend it like normal.)

So let’s get a spiral and make up a quick budget sheet you can use for every month of every year, to let you know at a glance where you stand financially for the month. This will enable you to save more and be able to afford more things that you want or need.

Let’s start by creating a spending sheet for your spare cash. You will only make one of these when you need to figure out what things you can eliminate or to figure out how much you spend in a month on a particular item, such as groceries, or clothes if you are not sure how much to budget every month for things like those.

Just label a page “Spare Cash” and every time you spend money write down what for and how much. Put down on this page everything you bought down to the penny, use several pages if you have to, and you will quickly see after a couple of months, just where all the spare money you have left after paying your bills, is actually going.

Someone I knew did this and found out that the candy bar they bought ever day after lunch, could easily pay their cable TV bill! They quickly gave up the candy to pay for the cable and they also lost weight by doing so. A Doubleheader!

You will be surprised to see just how much money you spend on things and may even end up with more money than you ever thought you would have, just by finding and then cutting out a few unnecessary items.

Once you have done this until you are satisfied that you know where your extra cash is going, we can now start to keep a budget. (You can actually skip the “Spare Cash” part and get straight to the budget if you want. But if you are ever wondering where all that extra money you may have each month is actually going, then make one up. It’s a real eyeopener!)

Now take one page and write the month and year across the very top. Draw a line down the middle, seperating it into two long columns.  On the top left,  label it “Income“. List all of the income you expect to earn after taxes for this month. As close to the penny as you can figure. Every dollar you know you will earn or get from somewhere or someone to bring home to spend this month.  Total up this column.

On the top right, label it “Expenses and Savings“. This is the column where you will list every expense for the month or anything you are saving for or making payments on. Put your most important bills first. Then list things like donate to charity, club dues, and anything else that cant hurt your credit or wont involve a penalty or late fee. They go on last. These are the things we can skip once in a while then catch back up on later. Everything you will spend money on or save money for in a month gets labeled and has an amount in this column. From bills, to food and clothing, to lunches and movies, to bank savings accounts and investments. Use the back of the page or more pages if needed.

When doing your budget, you can choose only to include the major items, if your the type of person who doesn’t sweat the little things and just spends pocket cash for movies, gasoline and such, or you can include everything you will put out money for and budget down to the penny! It’s up to you but even if you only include the have to pay expenses, at least you know if you are covered for those!

Once you have the total amount for everything you spend or save for in a month, including all of your bills, rent, car payments, utility’s, cable, food, clothing, gas, lunches, doughnuts, movies, bowling, pop, new sheets, tools, work clothes, savings accounts, get well soon cards from work, donations, lent money, anything- IRA’s etc., than you can figure out just where you stand financially for the month. So total this column, now.

Here is where we boil it all down and see what we have to do to pay for everything monthly. Subtract the total of the “Expenses and Savings” column from the total of the “Income” column and this will give you a total dollar amount that you will be either short or over for the month. This is an important number to know. It tells you whether or not you can afford everything you listed in the “Expenses and Savings” column for that month or if you have to hold off spending money on something until next month.

Learn to adjust the dollar amount for items listed near the bottom of the  “Expenses and Savings” column for each month. You can put in things that you are saving for every month, like an expensive vacation and adjust that amount to be less or more every month to cover other bills if needed. You can make an extra small column to the right of (Expenses and Savings) and use it to keep a running total of how much you have saved or spent for each item through that month. This way you will know when you will afford the item or how much you spent on something so far and your budget now becomes a Spending and Savings record log also.

Budgets are great because they actually put you in control of your money. If you have enough money for all the necessary things after eliminating the unnecessary things, than you are doing good. But if you are short on paying a few bills for the month, than you can use your budget pages to easily figure out just what you can cut or who can wait to be paid so you can pay those bills.

When dealing with creditors it’s a handy tool to let you know just what you can afford as far as a reduced payment is concerned. Deal with your creditors and tell them your whole story and they may very well cut you some slack, especially if you know just what you can afford to pay them without getting behind on all your other bills.

If you get laid off and start to collect unemployment (make sure you have them take taxes out of your check) then redo your budget with the new income figures and see just what else you can eliminate in order to get by on the lower amount.

Remember, budgeting is nothing more than putting a jar on the table for each thing you will spend money on or save money for during that month and then taking all of your money and filling up the jars as needed. The only difference is that you are writing the jars on paper and writing in the money, that’s it!

Putting your finances on paper like this every month will help you control your money and why not control it, after all it’s yours isn’t it!

You can even get generic budget books at office supply stores or make your own custom pages with everything you need on them and have them copied so all you have to do is put in the amounts for each month. Make sure to leave a little extra space in the columns for any extra items that may crop up. Copy a dozen or more for each year and you will be set to spend your money wisely!

HOT TIP. If you are having trouble with several bills being due close together, than call each company and explain ( to the manager ) how all of your bills due at once is a hardship for you and ask them to adjust their due dates so they will be all be spread out during the month between your pay or unemployment checks.

Here is a link to News Radio950′s online budget calculator, It’s good but not as complete as your own budget on paper, but it may help with your own.  News Radio 950 Budget Calculator

Bankruptnooption.

Be Wise and Organize

We all have a lot going on in our lives and sometimes the paperwork that goes with everything can become very disorganized and overwhelming, especially if we are really busy.

After you lose a job is an especially good time to be wise and organize your personal business. Even without loosing a job, most of us could use a good system to help us out with all the paperwork of life. So help yourself out by getting all the paperwork in your life organized right now, while you have the time to do so.

Go out and buy a good box of 100 security envelopes, plus stamps for all, 100 large and small paperclips, one black sharpie marker, a couple dozen different colored two pocket file folders, a dozen perforated 8 1/2 x 11 spiral writing pads 100 pages each and a couple blue and black pens and a couple of pencils with erasers. Get a small calendar for this year and next year also. A small stapler and staple remover would be nice too. Now don’t go haywire here, just get what you can afford right now and gather the rest later. You may already have some of these items and the rest can be gotten at a good dollar store.

Once you have your items, find a small box, or a little shoe box for the little things and then find a bigger box to keep everything in. Everything should fit in the big box neatly with room to spare and you should be able to just reach in and get what you want. Your folders and spirals should fit standing up inside the box next to each other, like they were standing up on a bookshelf. That is where you will keep them also. Make sure the box has several extra inches in it next to the folders. They will fill up fast and get pretty thick. That’s why you need the extra room. If they become to heavy you can separate them into smaller boxes, just remember to keep them all in one place.

You now have a portable office and file storage system that can go anywhere you go. Keep the top closed when not in use and label the top with your sharpie marker in big bold letters with something silly like “old magazines” or “extra packing beads” just to keep the nosy people out.

Now lets start by labeling the folders as follows; Important Papers, Old Work, Job Search, Interview, New Work, All Unemployment, Regular Bills, Credit, Mortgage or Lease, Taxes, Home Maintenance, Auto Repair, and any other categories you have to deal with also. That will be a good start.

Also label the pads as follows; Daily Notes #1, The Budget #1, Job Search Notes #1, Remember To Do #1.

What you are doing by doing this, is you are setting yourself up for the best comeback into the working world you could possibly have, whether you just lost your job or loose it in the future.

This way you will be organized and ready for all the things that are thrown at you when you need them and without the hassle of having to dig and search for all the information you will be required to have for those requesting it from you.

Now let’s look over all the categories we labeled things and how we will use them to our advantage. After going through these and adding in some of your own, you should be set up with everything you need to handle all of your personal business transactions on a daily basis. Without wasting a lot of time on your part looking for papers you need on a regular basis, either. This gives you much more time to use for finding a job, spending time with your spouse or kids or whatever you need it for.

Everyone always says their should be more hours in a day, and by doing this you may even end up with a little extra time to spend on yourself.

Important Papers: They are any deed, document, diploma, birth certificates, certificates, adoption papers, marriage license, divorce decries, custody papers, licenses, lease, title, loan papers, IRA papers, contracts, insurance contracts, stock portfolios, passports, or anything else you have along these lines that would be a pain to get a copy of. Something official and legal that shows proof of something. Simple as that. You should have at least one or two copies of each item for that folder and the originals should be kept locked away in a safe place where you can get them if you need to show an original. NOTE… NEVER SEND OR GIVE AN ORIGINAL OF ANY PAPERS YOU HAVE TO ANYONE! NOT EVEN THE POLICE OR GOVERNMENT! DOING THAT PROMOTES IDENTITY THEFT! GIVE THEM A COPY ONLY AND MAKE SURE YOU ARE POSITIVE OF WHO IS REQUESTING IT!

Old Work: These are all of the papers you have brought home from your current or former place of employment. Forms, certificates, insurance copies, health and benefit information, 401k papers, and anything else you have collected over the years you worked for them.

Job Search: Any papers you collect from looking for a job. Keep your contacts, your notes, lists of places you applied to and anything else you write down daily while looking for a job.

Interview: Any and all papers you must have to show your employer during an interview. Remember to include a page of personal references with contact numbers and many copies of your resume, along with copies of your licenses and certificates if needed. (This is the only folder that will have some of the same papers as the Important Papers folder has, but that’s OK because you need to have them in both places to be prepared for your job search.)

New Work: This is where you will keep all of your new work papers you bring home, just as you did in your Old Work folder.

All Unemployment: Any and all notes and paperwork you have that deals with your unemployment claims. Take notes while on the phone with them also and make sure you get names and dates. The unemployment agency is fussy about you having these types of things if you call back with a problem.

Regular Bills: File all of your bills in the front pocket of the folder as soon as you get them and when you pay them, just mark them paid with the date and then move them to the rear pocket in the folder. Move the paid credit card bills to the rear of the credit folder. This way with only a quick glance a couple of times a week you can determine what you owe, when you owe it and to who it is owed.

Credit: This is where you put all of those paid credit card bills. Include any notes of phone conversations or anything they send you in the front pocket along with copies of any letters or information you have sent to them.

Mortgage or Lease/Rent: Keep all of your monthly rent receipts and anything to do with this category in this folder. You will still be keeping your mortgage, lease or rental agreement copies in your Important Papers folder and the original in that safe place with all of the other originals.

Taxes : Here is where you will keep all of your tax information needed to file your taxes at the beginning of the year. All forms, papers, and receipts. You will take this folder with you when you have your taxes done and you will also put your filled out tax copies in it along with copies of any checks you owed or got back. Use one folder per year and write the year it was for on the front with a sharpie. Once you are done with your taxes in this folder, immediately start a new folder for next year.

Home Maintenance : Here is where you keep all of your receipts, contracts and warranties for everything that you do or have done to your home or property.

Auto Repair : Keep all of your repair bills, warranty’s and receipts for all the stuff you buy for your car. Make one folder per vehicle.

If  you need a folder for something else just make it up like the rest. Now you should label the spirals.

The first is Daily Notes #1 : It is for every time you need to write something down, like when you are on the phone with a credit company or if you just need to make a list. You should leave all the notes you take right in this spiral, that way they will be easy to find when you need to refer back to them. If you quickly fill up a spiral just start a new one. Oh yea, when you take a note, put the date on the side of the page next to your note. This helps you find things faster! (Fill up the pages also, they will last longer.)

The Budget #1 : This is where you will use a couple of pages for every month and figure out your rough budget. There is much information about setting up a budget on the internet and we will have a section dedicated to that later. For now you can just try to keep up with your bills by cutting out anything that is not absolutely necessary! Good Bye Cable!

Job Search Notes #1 : This is the spiral for getting you that job. It is only for job search notes you take when you look for a job or talk to anyone about a job. Keep it handy and use it daily, because you never know when the phone will ring with a job offer.

Remember To Do #1 : Here is where you keep a page for every day as you would in a daily planner. You can make lists and keep your appointments written down so you don’t forget things. It will be helpful for remembering everything you need to do, send, mail, buy, call, contact, get, or whatever.

Here is where we start using our portable office. Keep the box or boxes in a place where you usually make out your bills or handle household business. Start by collecting all the papers that are required for each folder and use the folders and spirals only from now on.

Do not go back to your old system for anything except to transfer papers that you need to your new system. Start working with your new system, being religious about taking notes and filing papers. The more you use it the more you will like the familiarity of it and the ease of finding anything you are looking for. If a folder or spiral gets to thick, then just label a new one with the next number for it and continue on knowing confidentially that you have everything under control!

By being organized we feel more in control of what is going on. We become more efficient in handling things and that in turn boosts our confidence level dramatically!

Time no longer is our enemy working against us with each misplaced bill. Time becomes our friend because we are organized and no longer have to rush and search for papers at the last moment.

We are in control of our lives and the time we spend doing things. When we organize it gives us time to do so much more. You will be better off for doing so!

Now start gathering up the scattered paperwork and filling those folders so you to, can Be Wise and Organize.

Bankruptnooption.

Unemployment and Exercise go Hand in Hand

If you become unemployed from your job and you had a more physically demanding type of position where you did a lot of hard work all day, than make exercise your best friend while you are off.

Be sure to work out and work hard at all your daily tasks around the house. Your body was used to working that hard all day and now all of those muscles you built up by doing that hard work are going to start to become weak, if you don’t keep on exercising them while you are off.

One of the biggest complaints after someone with a physically strenuous job returns back to work, is that their body isn’t used to working that hard any more and it takes them a long period of reentry to train their bodies to work like that again, and it hurts.

But if you keep up the exercise until you get back to work, than your body will stay fit and your muscles will never know they had a vacation.

So make exercise your best friend while you are off and that exercise will help you slide back into a new job a lot easier. Besides exercise is great for keeping us healthy by keeping up our immune systems also.

So now it is more critical than ever to do what mom used to teach us when we were younger. Eat right, Exercise, and get a Good Nights Sleep, and you will be healthier and more ready for that interview and that might just be enough to put you on top of the callback list.

Good Luck, I’m Pulling for You.

America Together!

Bankruptnooption.

Holidays done, back to the credit grind.

I have read what a lot of people say about credit and how important it is. Also how easy it is to lose. If you ask me, all the lenders are going to have a big problem a few years from now.

They will see someone walk in the door asking for a loan or a credit card and because of their current credit score, they will be turning away someone who had been hit by the recession with a job loss and loss of credit, who before that had excellent credit for many many years.

That person will have been back to work for some time and continuing with their excellent credit habits, but still carrying a bad credit score and will still get turned away because of the problem they had, (job loss) which was beyond their control.

Something is wrong with the credit recording system and it needs to be fixed fast. Will it be fair that a person who lost their job in the biggest recession in many years is turned away for a loan or credit card, when what happened was beyond their control.

Credit scores really seem to be just a roll of the dice away for anyone to lose their good credit standing, and that my friends is the whole problem with the credit system.

You would figure that as lenders who make money from the amount they lend, that they would want to change the system of credit scoring to let them also know the overall average credit score a person has and not just their credit rating after they have taken an unpreventable and unexpected  tumble down unemployment lane.

There is going to be a big sector of loans that will be lost to the lenders because of the way the scores are reported and it will not only hurt them, but it will hurt the individuals who fell victim to the big recession and lost their credit due to no fault of their own.

Something has got to change to get these used to be good credited people, back into the credit system and lessen the mark the recession has against their credit score.

Hell, even baseball players may have a bad night at bat, but are judged on their average hits for the season and not just their hits for that night, yet our current credit scoring is so old hat, that it would condemn them just because of that bad night.

The credit recording and reporting system needs to be changed to a more fair system for all. More of a life average, with how you have been scoring for the past several months factored in. Bankers and lenders better take notice and get the system up to date or they will lose a bundle.

That’s it, greed will get them to change it! And for all you job seekers, that’s how smart your perspective employer is, judging you completely by a bump in your credit history that was out of your control. That’s OK, could you imagine what it would be like to work in a place that would make such snap decisions on partial data like that anyway! Wow.

Bankruptnooption.

Dial 211 if you are having financial trouble.

211 is the new phone line set up by the United Way to help people who are having a difficult time financially or struggling to pay the mortgage.

They can refer you to all kinds of organizations that can help in your time of need.

211 is real and it’s for those who need help and don’t know where to turn, so give them a try.

Bankruptnooption.

Free Reachout Wireless Government Assisted Cell Phone, for Low Income.

It looks like another cell phone carrier, Nexus Communications Inc., has stepped up to the plate and is offering a government assisted cell phone, completely free to those who qualify.

www.reachoutwireless.com now is another place to go besides www.safelinkwireless.com, to get a free cell phone, charger and a free supply of minutes every month.

These phones are available to anyone who qualifies and the only catch is that no matter which one you choose to go with, you can only have one free phone per household. Even if you choose one carrier and someone else in the house qualifies and wants the other one, you are not allowed more than one free phone per household, no matter what plan you choose, so someone will have to pass.

An easy way to get around that, is to buy a minute phone (some are now as cheep as $9.95)  and split the costs with the person who has the free phone. If you use them only when needed and cut out the chatting, now two people can have reliable communication at an affordable rate, without any contracts.

To get your free phone Click on one of the following links. Then follow their instructions.  SIMPLE!

www.reachoutwireless.com

www.safelinkwireless.com

Bankruptnooption.

Now, here is a little stress reliever to ease your day.

Unemployment expected to rise through 2010.

Caught a story about unemployment figures and they are forecasted to rise through 2010. Even with a small drop in figures now, there will be more jobs lost this years end and next year.

The good news is that the government knows this and is getting ready for another extension of 13 weeks for the unemployment system.

Follow your local stations for more details as they happen.

Bankruptnooption.

Good or Bad, Find out what others say about it.

No matter what company or product it is that you are wondering about, check out the Ripoff Report.

The Ripoff Report is a site that many people use to vent their frustrations or problems they have had with a company or what they sell. It has thousands of reports to view.

The posts about the companies or items are in the words of the user, so that makes it very helpful to tell just what the person thought.

It’s a very popular site and I have used it to search many different companies that have offered jobs, only to find out that someone else had already been offered the job before me and got ripped off by them.

So any time you are in doubt to whether or not something is bogus, just click the following link below to find out just what others have already found out .

http://www.ripoffreport.com/

Bankruptnooption.

Unemployment Agency Tidbit.

The unemployment agency is a stickler for times and dates. So don’t try to push things or do anything in advance of a set period, date, or time!

If you have a claim and it expires on a set date and you must file a new one, or they tell you to call at a certain time or something like that, then you better take heed. Because they only know how to function from day to day.

They will not do business with you until the day and time that they want you to. Period.

If your claim is expiring on a set day and you are planning to file for an extension, then you better not try to file until the day after your claim has expired, because your info will only be passed over and rejected if you try to file in advance. You will have to file again.

You could file with one minute left on the day it expires and you will be rejected, only to have to refile.

And about calling the automated lines, – When they tell you that you better not hang up before they say good-bye or give you a number or something like that, then you better not hang up until they do what they said they would. They will just void the transaction as if it never took place and then it will be your responsibility to find out how to straighten up the mess.

In a nutshell, they are very punctual and expect you to be also, or they will not serve you and that’s that. Goodbye!

Bankruptnooption.

Phone scam targets unemployed Michigan workers

Wouldn’t you like to catch one of these scammers in person, just once! Click the following to access the sent link: Phone scam targets unemployed Michigan workers* *This article can also be accessed if you copy and paste the entire address below into your web browser. http://www.freep.com/article/20090602/NEWS/90602078

Hidden Talents – No Resume Necessary.

An unemployed man going through the paper, sees an add for a job at the circus. The add says “Wanted an individual with crowd appeal. You must be able to grab the attention of the crowd, to make them feel happy and welcome here before each act.” Apply at the front office.

Since the man was a salesman, he figured that the Ringmasters job of introducing the acts, was right up his alley. It sure seemed like something he could do. As a salesman, he was very experienced in explaining things to customers, while wording things to grab their attention. Then once he had their attention, he made it seem like what he was selling, was the best thing on the face of the earth. He would reel the customers in with his expertise and then let them know exactly what they were going to get.

“Perfect” he shouted, knowing all along in his mind, that he was the right one for the job. So he got all handsomely dressed up in his best suit and set off on his way. Only making one stop for coffee along the way.

Arriving at the circus office after a short drive, he quickly grabbed his resume from the passengers seat and opened the door of the car to step out. As he did, the wind surprisingly caught hold of the resume, whisking it from his hand and onto the ground next to the car, in one fast swoop. Not wanting it to get dirty or blow away, hastily he leaned from the car to retrieve the resume, forgetting the fact that he still had the hot cup of coffee between his legs, that he picked up on the way.

“YE OW” he screamed, leaping from the car like his pants were on fire, splashing coffee everywhere and onto the resume as well, just as the wind was about to give it another big push. The resume flew several feet farther as he frantically danced around the lot, patting down his pants, trying to stop the sensations he was experiencing from the hot coffee against his legs.

When the burning finally subsided, he quickly focused in on the resume, only to see it be blown under a car a few spots away. Wondering how he was going to reach it, he sprinted back to his car. He had an idea, the umbrella in his trunk would be the perfect tool for the retrieval process. Grabbing his keys he walked back and opened the trunk, reaching in to grab the umbrella. As he bent over, the wind closed the lid down on his head hard enough for him to see stars. He flung the keys down in the trunk, quickly grabbing and rubbing his head for a moment, then hastily grabbing the umbrella, he stepped back from the trunk slamming the lid in discus.

He walked back to the car with the paper underneath, bent over with the umbrella and when he looked to find the paper, it was gone, apparently blown away with the last gust. So he started what must have looked like an unusual ritual. He began to sprint from car to car with the umbrella in hand, dropping to all fours and looking under the cars as if he were kid with a base ball bat, looking for a foul ball that had gotten away from the game.

He sprinted around and looked under the last car but without luck. It was gone, and with his head hung low, looking like a prize fighter who lost his championship belt, he walked back to his car. He approached his car door slamming it shut, and there, laying on the ground behind where the door had been open, was his resume. He bent over and picked up the resume, finally it was back in his possession. Then he looked at it. Not to bad he thought, a few coffee stains, a little wrinkled and dirty, but generally looking better overall, than he himself did now. So he paused for a moment and then headed straight for the office door.

A older, portly gentleman greeted the man at the door with a smile, knowing all along, that he was the right one. He asked the man if he was the one who called, then introduced himself as the manager. Never letting the man know that he had watched him from the moment he pulled in to the parking lot, until he made it to the door. He invited the frazzled man into the building, offered him a seat, took the tattered resume and then began intently listening to the man as he told of his long career in sales and mentioned how he felt he was the perfect candidate for the job.

The manager left and quickly returned with some rags and led him through a long hallway into a large room with a dim light shining in the middle. He tossed the rags to the man stepping back into the surrounding darkness while telling the man to put it on.

Put on rags? The man was puzzled. But upon further examination of the rags he found it to be an old coat, so he slipped it on. He stood there for a moment checking out the jacket. He reached into the top pocket and found a folded handkerchief that he started to pull from the pocket. His face became all scrunchy as he realized he had just pulled a second one out that was tied to the first. He pulled faster and faster and to his surprise they just kept on coming. All the while he was slowly stepping backwards and then he suddenly tumbled backwards over a small stool, he hadn’t noticed. Huge fake gold coins flew from one of the pockets and landed everywhere. He was ok though, because the floor was covered with thick blue spongy mats that he hadn’t noticed either.

He crawled around and around, gathering up a thousand coins and what seemed like an endless supply of handkerchiefs, placing them next to the stool. Then he sat down on the stool to wait, but shot up into the air like a rocket when he felt something wiggle behind him on the stool. With quick jerky movements, looking like he was in a straight jacket, he reached around into a large back pocket grabbing what was inside, only to pull out a bunny rabbit.

Recomposing himself and with a huge smile for the bunny, he sat down, only to once again be launched from the stool. He rose to a loud ringing sound, and while quickly setting down bunny, he started to check the pockets for the loud ringing. To his amusement he pulled out a huge alarm clock from another pocket. Then he saw bunny hopping away, so he suddenly started to chase it, so he wouldn’t loose it. He dove in mid air landing on his belly and grabbed the bunny before it disappeared out into the surrounding darkness of the room.

He stood up and he heard what sounded like the manager laughing and he was getting closer. Just then the manager appeared and walked up to the man with a big smile on his face and told the man that he was perfect and that the job was his if he wanted it.

“Oh Great” the man said, “I always wanted to be the Ringmaster of the Circus” he exclaimed!

“Ringmaster”, the manager laughed, “Although I could use an extra Ringmaster, I am looking for a clown and your a perfect fit”.

“I’ll Take It”, the man said with a smile.

Bankruptnooption.

To bad most employers don’t have the skills to look beyond a persons resume or it’s format and more towards the person they are interviewing. The ability to rely more on the interview itself is now becoming more a thing of the past. Personal traits and characteristics should be more of a factor over, some of the easily learned requirements. Many job requirements can be easily and quickly learned by most people in very short periods of time. But you can’t teach a person to have the mentality that goes with a job even though they may have the training.

That’s why many positions you see filled, get posted over and over again. Many managers today do not have the people skills to begin to tell whether or not someone is right for a job. Whether they fit and have the true mental capacity to do it. That’s why they are critiquing resumes so harshly now and now looking at credit scores so heavily for the answers. But a credit score, or a perfectly drafted resume isn’t going to tell you if they are mentally equip to do the job or are happy with their career, though it’s all they may have done. You have to find that out by interviewing them. It’s that simple. No resume needed. Just a quick verbal rundown of their history and the things they know, along with some good general discussion, should be enough to let you know if they are truly right to consider for the position, with or without all the important skills that you require.

Buy em a Book, Send em to School and look what you get!

Bankruptnooption.

Greeting The New Neighbors and What We Expect.

Well with so many people moving around now days and so many houses being bought and either lived in or rented, how are we greeting the New Neighbors these days?. Maybe a pie or a hand shake across the fence or a simple wave. Probably not. But we should at least say Hello just to be friendly.

In days of past, New neighbors were welcomed into the community, with open arms, just as if they were long lost friends returning from a failed expedition. There were huge dinners, parties, or celebrations, along with many gifts of welcome called house warming gifts, to help make things easier for them until they get set up. So how did your neighbors welcome you when you arrived? Tons of fanfare or lots of stares?

Welcoming new neighbors is one thing in society that we do not have much time for these days, with all of our deadlines and errands to run. Also, now days people seem to move in and move out so quickly, that we never really get to know the ones that left, if they were worth knowing, before more are moving in. Maybe that’s the real reason for the lack of enthusiasm over meeting the Newbies, or part of it anyway.

Yes it is a rough position to be a Newbie, because all of the pressure is on you. You have to live up to your neighbors expectations before you usually get more than a wave. Oh sure there are always those who are the exceptions to the rule, some that you can count on stopping by when they first see you. The ones that will wander by to invite you down to go swimming and lend you some swim trunks before you are out of the car, or have anything moved in yet. Then there’s the type that will pause while passing by, to warn you about the others, along with all of the things you should be made aware of. They will let you know, just what the people who moved out before you, had to deal with. These are only the extremes.

In general, most of your neighbors will fall towards the middle of those extremes, thank goodness, with the welcome r’s doing just what society has taught them to do at first. The welcome r’s will watch or peek out the window or stand on their porch with another neighbor they know, while scrutinizing your every move and judging you by everything they see. If the Newbie gives them a polite wave because they see they are being watched, the welcome r’s will generally always give a small wave back in return, while trying to look as if they weren’t watching at all. So for the opening ceremonies there isn’t much more than that. Simple isn’t it. Newbies, don’t forget you also, can walk up to your neighbors and make a polite introduction, to help break the ice. After all you are the New Neighbors.

Now on with the game. The neighbors around you will start to flex one way or another. You either end up with neighbors who would have rather lived next to an empty house, not having anything to do with you, except letting you know that the parking spot your in is theirs, or whatever it is you are doing wrong. Now on the other end it will seem as though you have found a new lost friend, one who is always in your back pocket, even inviting themselves over for dinner on occasion. They know all and tell all, about who does what or who to watch out for. These are more the types of neighbors you will end up having.

What it all boils down to is that the welcome may not be big, but you just became a major part of their lives for good or bad and time will tell if you can measure up, so that things will go smoothly between you. You have to figure out their personalities real quick and either become some degree of friendly to them and associate a little, or let them be the loaners they want to be, hardly giving them a wave once a year around the holidays. So here is my recommendation to you, the New Neighbor because, the key to everyones peace and happiness is all riding on you!

Treat your neighbors the way that you would like to be treated. Don’t act any worse than you would expect new neighbors of yours to act. Stick with mostly small talk and keep it friendly. Try to remain nice in all cases. Try to stay center-line on things and issues that generally don’t matter to you anyway. Save having to put your foot down for the major issues that can come up. If you are lucky there won’t be any. In other words lets learn to choose our battles appropriately. Stick to the ones that are important to you for one reason or another and don’t use your pride or ego as a judge of those either. If it really is important for a major reason, then pick up your legal papers and fight it out. Otherwise, most things that are not worth fighting over, will only lead to more trouble in the end, so settle. Even if you have to show you are always the bigger person, just settle on all the little things that really do not matter. You will end up feeling like a parent with children around you, but things will move ahead much more easier and they may even learn how to settle from your examples also. Lead by example.

Thats the key, just try to keep things moving ahead on a steady course and if something does crop up, then deal with it immediately and tactfully, staying fair and honest. Just don’t ever come across like the big bad wolf or you may end up trapped in your new cage —-I mean house forever, with the Hatfield’s or the McCoys living next to you, when you can’t afford to move again.

By the way, for the neighbors who are getting the New Neighbors, this makes you New Neighbors as well. Now that we are All New Neighbors Together, we will be expecting the same from you, that you expect from us Newbies. So, don’t let us down, and we won’t let you down, either. Good, Now that we all know, who we all are,—-

Can I borrow a cup of sugar? Thanks Neighbor!

Heres to gettin to know ya!

Bankruptnooption.

Job Sites, are they Getting Gready in a time of Pain.

There are millions of people who used to be productive members of society and a necessary part of the function of their companies, who no longer have a job and are forced to find another by using any available method they can find.

One of the better known methods is a job site. These are sites that usually make a minimal amount of money for offering you their services and in a lot of cases their service is free.

But I have noticed a trend that is growing among some of these sites, the new ones in particular and I think that with the amount of people out there right now who need these sites, they are starting to capitalize on that need factor and are starting to offer less free help and more help that will cost you. Many new and creative features are being implemented that require you to pay for what you got for free before. These new features branch off of their old service and expand whatever it was to the new degree of becoming a whole new service to offer if you will pay for it.

Just two things that stand out, remain the fact that they are serving the unemployed and things haven’t gotten any better yet, here in our country. You following me with this.

So why would companies set out to make more money, especially from those that can’t afford it in the first place. These people are looking for a Job so they can pay their Bills, and you are trying to get more out of what they have left to live on and at the time when they need the most help. Hugh I never thought that was part of the American Dream of becoming a business owner before. Now everyone knows times are bad in the country and for millions of people right now they are the worst they have ever been. So why would any fine outstanding company do this, especially at the time they can help people the most.

Implement your new services later on when things get better, if you give a darn about the country that you are doing business in. Stand up for your right to do business and with fair practices for all, but don’t stand here in the country that lets you conduct your business and turn around and take advantage of the bad times and the unfortunate people who are in the same country suffering unlike yourself. That will never be the American way. If we as a people do not still have a say in things that go on around us, that take advantage of our friends and the ones we love, then we will no longer be able to refer to this Great Country as America, The Home of The Free and The Land of the Brave.

Bankruptnooption.

The World Series of Business, Who’s on Your Team?

Credit, good or bad, poor or fair, we all have it. It follows us just like a well worn shoe, keeping up with us with every step. Credit is a record that lending institutions use to determine if you are worthy of a loan. It is a record of some of your past transactions up to the present date. What this shows is how you repay your debts.

All lenders request to be given access to your credit information when you try to borrow money. Another place that may seek out this information is a future job prospect. All in all the only people who should have access to your credit report is the ones that you give access to.

Now what does this show and to whom does it show it. Since it reflects how well you borrow and repay debts, it shows a track record of just that. But lets dig down a little further. Does it show just why a transaction happened the way it did. No not unless you can get a notation put in to explain it. I am not a wall street guru or a slap jack lawyer but I do know that credit reports are usually very hard to modify, unless you have some big money to pay someone to do it.

Since a credit report is just what it is, then why are people like employers trying to read into them like a crystal ball, to find out who is really worth hiring. You can logic out all the reasons possible to say why they pick someone with good credit over someone with bad credit. But the fact still remains that both the candidates have the same skills, education and training, so why pick the one with good credit. To say they have anything up on the one with bad credit is just that and nothing else, unless you examine the factors behind both parties credit scores.

The one with good credit could have been lead through most of their lives by their hand and told every move to make to get good credit. Now they may be at a point where they have lost their guide and are on their own living with their own decisions. They are destined for trouble without their helper, and now may be doomed to having bad credit from that day forward. The other person may have been on their own and learned things the hard way to pull their selves up to a good credit level and will soon be hit by bad times killing their credit.

My point is, you do not know why a persons credit is like it is unless you ask them directly and that’s that. There are many fine people who have been passed up for a position due to the scores and to not find out why, is not only unfair but it is causing employers to loose out on a lot of good people who may have been more loyal and do the job better than the one with good credit.

You see credit is not the window to the soul. The overall makeup of who you are and what kind of a person you are, not only in your daily life but your working career as well, can not be told by your credit report. Not even a little, because their are factors above and beyond the report that influenced how it would be written. So to judge a person by that is absurd only unless it would show a repetitive track record, but then you would still be minus the facts behind why it is like it is.

Most business men who run their corporations run them on the facts. Many will not let even a thought be said without first having the cold hard facts on the topic at hand. So why then would they look at a credit report and make a snap judgment about who to hire for a major position, without first gathering the facts as to why the report says what it does? This is totally backwards from the way they do business daily. So I guess that the ones using this data are not the bosses and if they are letting their subordinates use data like this for major decisions on who is worthy of being hired, then I guess they are not running their companies after all, but turning a blind eye to what goes on behind them as long as there is a profit.

This leads me to my point that anyone in charge of any hiring for a company that would judge the applicant by their credit score, without having the information behind how the score came to be and what the person is intending to do about it, should be reprimanded for doing an incomplete job. How many good people have they lost for their companies over the years and here’s just one more quick thought for you.

If you hire only all people with good credit, how many are destined to loose that status while working there. Bringing down the companies average employee score overall.

But if you hire a good solid mixed average, you can bet that they will help each other and the overall average will become higher and more solid at the second company, because it grows as the people grow into the company.

Sorta like a major league team with a bunch of rookies and some veteran players to lead the way. I know they will reach the World Series some day, but will your company ever reach it by using those kind of credit score hiring practices.

You be the umpire and call it fairly Mr. Owner! Now get out there and recruit some good old boys who had some hard times with their credit and maybe we will see you at the next World Series.

Bankruptnooption.