Teenagers And Jobs In 2010

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Posted on 2nd July 2010 by Joe Louis in Politics

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Now that summer has arrived, teenagers who wanted jobs should have them by now. If they don’t, they are finding that the economy is really bad just like it was last year. Teens without jobs now are facing the very real possibility that they won’t be able to find one at all this summer.

In the current job market, it is common for teenagers to face a lot of rejection. If you are a teen that has been turned down for multiple jobs, you need to make sure you are not making any critical mistakes that might be contributing to your failure.

When you fill out an application for a job, you are usually asked for an email address and a phone number where you can be contacted. A mistake that some teenagers may be making is to not make sure they are using voice messages and emails addresses that sound professional.

There are a lot more teens looking for jobs than there are actual jobs. This means that employers have the luxury of being very picky when choosing the people they hire. A childish sounding voice mail on your cell phone may be enough by itself to have an employer not hire you. You should make sure your phone message is well thought out and remember that it will be an adult listening to it.

Along the same lines, you want to be using an email address that has your name in it and not one that fun or even embarrassing. You need to remember that your email address that you choose reflects on who you are and many employers will go on to the next applicant if you use an email that sounds silly or juvenile.

Having a free email like Gmail or AOL is okay as many adults have them as well. However, you should make sure your email has your name it is somewhere to make it look like a serious email. Employers who see an email like “kathyLovesRick(at)aol.com” or something similar may just pass and go on to the next applicant.

This year, as last year was, is a hard time for any teenager to find a job. You need to keep trudging on and apply at as many places you can to give yourself the best opportunity. You also need to make sure you are not making any silly mistakes like the ones described above that will hurt your chances.

If you are tying to locate hiring jobs for 17 year olds, you can find out more at my site Jobs Openings For 17 Year Olds.

Buying Gold As An Investment Or A Hobby

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Posted on 29th May 2010 by Stu Jepler in Politics

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Gold is one of the most exquisite investments that any wise-minded businessman can consider. Not only is it priceless as a jewelry collection, it is also a good way of seeing that the future will look bright. Those who have enough money to invest in something that will not go out of style and will always retain a high value should invest in gold, even if it is only in the form of coins. As the time comes, its value matures and you will be surprised at how convenient it is to keep some for emergency expenditures.

Shopping for gold as an investment requires that you know where to look and learn how to consider the worth it’s being offered at. Finding and buying gold locally in your city is really helpful to keep down the costs of traveling that will make the gold more expensive. You can also buy gold coins on the Internet for those who are comfortable with the online world. Your best bet is to store them in a box at a bank to make sure they are not stolen or lost

Gold stocks is another way you can invest in gold. Stocks are great because you don’t have the storage issue as you do with gold coins. They may also be more convenient for those who have more dollars to invest. Needless to say, gold stocks can be used to add a stability factor to any portfolio and with the right investments, you will find yourself building quite a nest egg for your future.

Gold bars can also be a part of your investment portfolio, but take note that they are more expensive and will require a safe place to keep them. Buying gold bars is a serious investment because safekeeping can become an issue. You should refrain from buying too many gold bars if you do not have somewhere to hide them safely.

Investing and collecting gold is not for everyone. Some people do it purely as a hobby and out of a love for the metal. Others do it for security in the hope that gold is a good hedge against inflation. Still others do it hoping to make money if the cost of gold rises. Whatever your reason for buying gold, hopefully it will be a fun and rewarding experience.

Are you trying to learn more about gold for dummies? If you are, please visit my website Cost Of Gold.

A Generation Of Jobless Teens

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Posted on 9th April 2010 by Larry Wetter in Politics

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These financially hard times are noticeably creating havoc with people’s existence. Job opportunities are so tough to find that lots of people are simply giving up. It does not appear to matter who you are or what you do, most jobs are in jeopardy. This has been going on now for a few years and there doesn’t seem to be any end in view.

People don’t understand that when something like this occurs, it will possibly affect life for an extended time. One of many hardest hit groups that want jobs is teens. A lot of them are searching for go to work for the first time and many of them are striking out. The teenage years are important improvement years and that features the coaching they obtain from their first job opportunities.

Teenagers most certainly don’t need to work as much as older individuals who have households but it’s still important for them. Young adults want those first work opportunities to put on their resumes and it’s very important for them to receive real world experience. Jobs do not just provide money but in addition, they train trustworthiness and responsibility.

Everybody has to have their first job sometime but the sooner you get one and the extra job opportunities you’ve gotten early on aid you later on in life. If we go 5 to 10 years with countless teenagers never getting a job, how is that going to influence their efficiency afterward once they finally get one? Are they going to discern how one can take care of co-staff and administration?

Right now we may potentially have a generation of young workers who will never learn proper job skills. This will hurt them and the employers who ultimately hire them. Their lives will be impacted as they struggle to make up the ground they lost early on when they should have been working but were unable to get hired anywhere.

We hear on the news regularly how awful it out there for people looking for work but we hardly ever hear analysis on how it’s going to affect our country down the road. What’s bad right now might have costs much later on that few of us realize. It looks as if the complex times are right here to stay.

If you are looking for part time jobs for 17 year olds, you can find more in formation about job openings for 17 year olds at my website.

Is Gold Too High To Buy?

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Posted on 27th February 2010 by Harry Brokow in Politics

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During the last several years gold as an investment has been doing better than the stock market. You may be wondering whether it is an advantageous idea to pull back a few of your gold investments due to the value of gold reaching some peaks in the the last 6 months or so.

Gold is customarily considered a hedge against uncertainty and the world condition at present is most assuredly uncertain. Gold have never declined to zero and that is something that cannot be said for stocks, many of which have lost incredible valuations. For those owning gold, they must be thankful to have made an investment that has performed so well.

People with money to invest have to make choices that are increasingly tough in this very bad economic environment. It is difficult to find any investment that is truly safe and pays any sort of reasonable return. If you want to put your money in government guaranteed treasury bills or bank certificate of deposits, you are now getting next to nothing in interest. It is also debatable just how safe anything with the government is since it is technically bankrupt.

While gold is seen as safe, at the present high prices, you must be concerned about getting in at the top. For just like stocks, gold has taken huge drops throughout history and that could certainly occur again. And simply because thus far it has always recovered from such drops, that is not a guarantee that the pattern would continue.

Financial advisors will usually tell you to disseminate your money in gold, stocks, and other investments. This obviously helps to safeguard against losing all of your money, should something happen in one area in which you have invested. So don’t be afraid to add gold to your investments while keeping some of your money in other areas as well.

Are you interested in learning how to start buying gold for dummies? If you are, please visit my website Cost Of Gold.

Increased Sales Can Be A Double Edged Sword

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Posted on 31st January 2010 by Wade Henderson in Politics

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Ever worked on getting that big customer for months, chasing after then, long drives or flights to see them so you can win them over with your service and determination? Then have the worst thing that can happen in a situation like that you get the order and now you have to figure out how you can possibly fill it because the order larger than your total Operating Line of Credit.

That did happen to a Telecommunication Company in New York State, USA. In one order, their sales had increased to over 3 times the size of their entire Line of Credit at their bank. The owner went to the bank to get it increased so they could take on the order but the bank refused to increase their limit.

With this order, the customer had to have terms on the invoice of 30 days, and to make it worse the supplier required payment prior to shipping. The time to deliver the goods from the time it leaves the supplier dock is 10 days. In this case we have a 10 day delivery time plus a 30 day collection time from the customer, so we have a 40 time span of where we do not have the financial capacity to handle the order. So what now? Decline the order?

The owner of the company did speak with some Accounts Receivable Factoring Companies but they were not able to help out due to the time lag between the timing of the advance requirement and the delivery of the goods to the customer. They could not Factor the Accounts Receivable until the product was delivered, and they could not deliver the product until they received an advance to pay for the product.

The owner of the company spoke with a Professional Commercial Finance Broker who knew exactly what to do. He put together a Purchase Order Finance facility with a lender that specialized in the product that the company was selling. In a very short period of time, the financing was approved and the transaction was completed without an issue, and now the company was in the position to take any size order without the fear of not being able to afford to take the business.

Wade Henderson – very Professional – 15 yrs in the Business Finance Field – reputation for getting the deal done. IMMFinancial.com factoring accounts receivables factoring

Should You Be Dealing With Angel Investors?

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Posted on 27th January 2010 by Wade Henderson in Politics

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Getting a Business loan at your bank is a terribly difficult task these days regardless if you are in Canada or the United States. Because of this many businesses feel they need to seek the operating cash they need from Angel Investors. But are you ready to turn your business over to an Angel Investor?

Banks will look at you company from one perspective while Angel Investors will look at it from another. They will want a minimum of 5 to 10 times their investment back when they pull out. The time frame that they want to be involved with your company varies between 1 to 5 years. They calculate the deal based on liquidation factors such as stock offerings, liquidation of assets or hostile takeover.

Angel Investors have now increased their threshold for their ROI to a minimum of 10 times to as much as 50 times their investment because of the failure rate and the length of time that the investor will be tied into the company. When you consider the bigger picture, the effective return on investment for the Professional Angel Investor is usually around 20% to 30%.

Because of this high return on investment, Angel Financing is very expensive, but the lesser costing funds such as banks and credit unions are rarely available for new business start-ups. This is because the traditional financiers have a high threshold for accepting young companies for Business Loans.

At this point, you have been turned down by the banks and credit unions plus the Angel Investor proposal does not look very attractive, so what do you do now?

Regardless if your company is in the United States or Canada, there are options. The following is a real life situation that I was involved in to avert an Angel Investor situation. There is a company in Alberta Canada that possesses a unique product that he was planning to market across North America. He went to the usual places to inquire about financing for his business. After the banks turned him away, he spoke to a few Angel Investors. After considering their proposals he continued his search for financing when I presented him with an option called Accounts Receivable Factoring and Purchase Order Finance.

The company had just shipped out one order which took nearly 70% of his inventory and he had another order going out the following week which would wipe out the rest. They he was planning to wait until he received payment from his customer before he could order more product from his suppliers. Next trouble was the he had other orders waiting to be filled.

Within a week of his initial application the company was funded and he now had the operational funds needed to operate his business smoothly.

The moral of the story is quite simply, even if you are turned down by your bank, and you are not interested in giving your company away, there may be options to be had. Do your homework and seek alternative Commercial Finance options.

Wade Henderson – recognized Professional – 15 yrs in the Business Finance Field – strong reputation for getting the deal done. IMMFinancial.com seed capital private equity firm

Why Is Gold So High Right Now?

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Posted on 26th November 2009 by Jason Mixner in Politics

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What causes the surging gold prices we see? How can some commodities soar to staggeringly high prices when the fundamentals are in the negative? This year gold reached $1007 an ounce, the highest price of gold since March of 2008. This means gold has risen 12% since April.

What are the reasons for this? You might be tempted to think its because of the basics, but its not. The World Gold Council published a report that states craving for gold accessories has declined by 22% and industrial uses for gold has declined by 21% since 2008. The only component that has remained high in the current gold arena is speculation, which has grown by 46%.

In addition, gold is thought to be a way to fight inflation, which is why a lot of people are drawn to this commodity. However, when looking at specific data published by the Department of Labor, the Gold Consumer Price Index dropped by 2.1% in twelve months. This indicates that inflation has not occurred. You might be wondering what people are worried about then.

This currency is being debased because of the Federal balance sheet is enlarging in size. Gold could go either way, deflation will only further debase our currency, while inflation is never an optimal scenario either, so gold apparently benefits if either situation occurs.

Another factor in support of gold is how low the current US interest rates are. The method by which banks charge other banks for loans, known as the London interbank dollar rate, has fallen 4.8% since October of last year to an unprecedented 0.314%. Because you do not earn interest by having gold, you have something known as an opportunity cost which you do not have with any other form of investment, such as bonds. However, given the current value of the dollar, the opportunity cost of having gold as opposed to bonds is insignificant.

What this means is that the fundamentals have absolutely nothing to do with the high price of gold; it is dependent solely upon financial speculation. This means that there is absolutely no way to know what is going to happen to the price of gold in the future.

Are you interested in finding out about buying gold for dummies? If you are, please visit my website Current Price Of Gold.

Foreclosure Or Bankruptcy, What Is Best For You?

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Posted on 16th October 2009 by James Kunkel in Politics

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With the economy in free fall and unemployment on the rise, over 5 million homeowners are facing an unfortunate reality of a lost job and tough times ahead. If you’re one of these American’s, you have already looked in your crystal ball and realized how far you can stretch what you have in cash assets. Incorporating your lost income, unemployment, or in many cases no unemployment in tough times ahead. We must consider life’s essentials: Shelter, Electricity, and Food.

Unsecured Debt: This is your credit cards. Pick up the phone, call your Credit Card Company and say, “I am broke, am considering declaring bankruptcy and need to speak to a Supervisor”. After you do that, ask the supervisor if you can do one of the following: (1) Make a one-time payment to satisfy the debt; (2) Request a reduction in payment, making sure that the reduction includes a reduction in your monthly interest payments. Have your attorney contact the Company if they say “No” to either (1) or Don’t be shy!! Don’t be embarrassed!! Disengage yourself and act as if you’re calling for your teenager and you just found out she bought $6,000 purse online and you want to send it back. By disengaging yourself your emotions are restrained, and you can be more objective to getting the best deal.

Bankruptcy: After you have completed re-negotiating your unsecured debt (credit cards), and secured debt (boats and cars); you can now re-evaluate your monthly financial situation. If it looks and feels a little bit better, then be positive. If after a few days, or even months, it seems to have had little to no impact, then it may be time to declare bankruptcy. Bankruptcy is no longer the end of diplomatic relations with your creditors, but it does require that you seek an attorney if you want to maximize your effectiveness in what assets you are allowed to maintain and not sell. If you declare bankruptcy, but want to keep the car you are still paying for then you can keep it out of bankruptcy. As long as it is secured by another creditor, you do not have to declare bankruptcy on the item. Normally in bankruptcy, unless a car has a secured loan on it outside of bankruptcy, you are allowed to keep a car with a value of up to $5,000 to avoid a forced sale if you own the car free and clear. Consult an attorney for the best approach when declaring bankruptcy or debt reduction to fully understand your rights prior to declaration.

Foreclosure: After you have addressed your secured and unsecured creditors, it is time to address your mortgage. In Florida, we have the protection of the Homestead Exemption Statute. Without going into too much detail, what it essentially means is that unless you have a mechanics lien, or a judicial decree, nobody can take your home away but your mortgage company (unless eminent domain issues apply). Just as you did with your secured and unsecured debt, you want to call your mortgage company. First, you pick up the phone and say, “I lost my job, I have no money and I believe I am not going to be able to pay my mortgage shortly.” Your options are similar as before: (1) Lower my interest rates or monthly payments, (2) Restructure my loan agreement, or (3) Talk to my attorney because I can’t afford my house. After this phone call is made, you need to consult an attorney about the next step to take. You need to consult an attorney before you make one more house payment. Do not worry because you are not going to get kicked out of your house tomorrow.

Fortnuately, new law is pending in Congress that will allow you to restructure with your bank without consideration. Something previously only allowed between merchants in contract law. We have all seen claims that can be postponed indefinitely. The fact is nobody really knows how long it can be postponed, as the courts begin to be clogged with foreclosures; yet, if you have to pay a power bill or your mortgage at this point – pay your power bill. The electrical company can cut you off, there is no laws that say they have to put you back on. The power company is absolute. You consumed the power, so consider your wallet wisely if you know your going to go under with your mortgage conserve your assets to take care of the same things our grandparents would a roof over your head, electricity, and food. It is the ultimate fall back situation, but faced with the alternative many of us will have little choice but to recess until the billion dollar budget plans put in place by the federal government, and a general credit stabilization takes place.

There is no need to be ashamed nor afraid; you are a survivor and this is part of surviving. Material things can be replaced. See your icebergs before they arrive, and start planning ahead. Keep a three (3) month plan in place, if you get within the ninety (90) day period and do not see the light at the end of the tunnel, you must hunker down and take care of the primary things that support life – shelter, electricity, and food.

James Kunkel is a contributory to the AIM Law Group. The AIM Law Group’s practice areas include debt reduction, bankruptcy, and Orlando Foreclosure Attorneys. The AIM Law Group Orlando Lawyersoffices in Central Florida. We work with the Akron Bankruptcy Attorneys and Cleveland Foreclosure Prevention

Many People Are Buying Gold For Safety

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Posted on 10th September 2009 by Pat Nopper in Politics

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The stock market has been responsible for so many people losing so much money in the last several years that one wonders how gold has performed. The current gold price indicates that anyone who has had money in gold has done much better than those that have had their money in stocks. Gold is seen by many as a hedge against uncertainty and these have been uncertain times for sure.

If you haven’t had any of your money in gold now might be the time to give it a look. The stock market might have a ways yet to go on the downside and having some of your money in gold might be smart. The key word is some of your money as it is never a good idea to have too much in one thing. If you put all or most of your money in one stock or in gold, that is akin to gambling.

The one thing to note about the gold price over time is that it has never gone to zero. Gold has been considered valuable for many thousands of years going back to the ancient Egyptians and further. At no time in history was gold not valuable and for this reason many people buy gold as a safe investment. With the economy being what it is and the stock market in free fall for so long, gold seems to be one of the places one might put some of their money for safety. If the economy does not recover soon, gold will become one of the most popular places for people to have their investment cash.

People might wonder why the current cost of gold hasn’t gone up much in these troubled economic times. Most folks buy gold for safety because it is the one thing you can count on to hold its value in bad times. These are most certainly the worst of times economically and those who have gold have done reasonably will with it. But it still hasn’t gone up like you might have thought it would with stocks performing so poorly.

If you want to buy gold you can buy the real thing, which is cumbersome to keep and protect, or you can buy something like gold stocks. Either way you have a stake in the gold market and will be hoping that gold continues to do well. Some people now do not trust any financial institution and they are hoarding gold coins and gold bars just in case a worst-case scenario unfolds.

Are you interested in finding out the gold price over time? If so, please visit my website Current Prices Of Gold.