Friday, October 7, 2011

Unemployment Guides and INFO by state

The brainiacs are saying the recession is over, citing a rise in corporate confidence and a spike in orders being placed. But it's not yet the real healing that individuals and families so desperately need on the job front.
For the foreseeable future, the job market will continue to be tough. That leaves many people in unexpected positions. Clark recently talked with a woman who was unemployed for some time. After a few minutes, it emerged that she had not applied for unemployment compensation because she was too proud.
Unemployment compensation should not be a dirty word in your vocabulary; insurers pay this insurance during good times so people can survive during lean times. So know that it is legitimate for you to seek assistance in this economy.

Unemployment Insurance Benefits
AlabamaKentuckyOhio
AlaskaLouisianaOklahoma
ArizonaMarylandOregon
CaliforniaMassachusettsPennsylvania
ColoradoMichiganSouth Carolina
ConnecticutMinnesotaTennessee
FloridaMississippiTexas
GeorgiaMissouriUtah
IllinoisNew JerseyVermont
IndianaNew YorkVirginia
IowaNevadaWashington
KansasNorth CarolinaWest Virginia
  Wisconsin

Thursday, October 6, 2011

Employment Transitions: do's and don'ts

Helping People in Transition
By Phil Holland, Founder, www.myownbusiness.org

More working Americans than ever are victims, or about-to-be victims, of downsizing; also known as "reduction in force", "made redundant" or "your job just went overseas." Scary questions begin to arise: Where do I go from here? How am I going to make my mortgage payment?
For a laid-off worker who doesn't have bright prospects of replacing his or her job, there is a possibility not to be overlooked: why not go into business for yourself? For those still in jobs but fearful of losing them (the signs are usually evident) there is the possibility of starting a moonlight business now, while still working. As Harvey McKay has said, "Find something you love to do and you'll never have to work a day in you life."
Here is a list of top ten do's and don'ts for people in transition, a 14-session on-line course conducted as a public service to point out the basic do-s and don'ts for start-up businesses.


THE TOP TEN DO'S
  1. Begin saving money by living very modestly.
  2. Begin a study on what business would be best for you.
  3. Begin working part-time in the kind of business you would like to start.
  4. Talk to your family about the prospects of starting a business together.
  5. Learn basic accounting.
  6. Learn computer and up-to-the-minute communications tools.
  7. Learn how to operate a web based E-Commerce business including marketing.
  8. Prepare a written business plan for your intended business.
  9. Ask qualified people in your intended business to critique your business plan.
  10. Begin a diet and exercise discipline to build up health and endurance capabilities.
THE TOP TEN DON'TS
  1. If you're still working at a job, don't quit until your business is in place and running.
  2. If you're still working at a job, don't go into direct competition with your employer.
  3. Don't incur any new financial obligations above basic necessities.
  4. Don't sign any legal business document without your lawyer's approval.
  5. Don't depend on information from franchisers or brokers: do your own research.
  6. Don't be in a hurry: wait for the fat pitch opportunity.
  7. Don't depend on your banker to provide start-up capital.
  8. Don't commit to a concept without proving it first on a small basis.
  9. Don't commit to a business in which you must have the lowest cost to survive.
  10. Don't pick a business that is too high a risk. Go for the 2 foot hurdle.



Ideas on How to Make Extra Money

Ways to Actively Make Money:

  1. Clip coupons from the newspaper for items that you already buy.
  2. Check to see if any stores in your area offer double coupons.
  3. If you have good enough credit to get one, use a rebate credit card and pay it off every month. You must not spend more than you can afford to pay off each month, or you will pay more in interest than you get back.
  4. If you have the money to pay, use 0% financing and keep your money in an interest-bearing account. Be careful of minimum monthly payments and pay the balance electronically or mail it early enough that they can't "lose" the payment and find it just after the due date.
  5. Get a second job.
  6. Rent out a room in your home or get a roommate if you rent.
  7. Sell some of your old stuff on ebay

Wednesday, October 5, 2011

Can you design Mobile software for Mobile Phones?

If you can write a computer program of any kind you can design and app for an iphone or ipad these days.

This is a great source of extra income that could result in long term paychecks as your business builds.
We have all heard of angry birds, fruit ninja and a few other iphone/ smart phone games. about 90% of these games you have to buy or pay a subcription price for every month. 

you don't know how to get started check out this e-book guide it explains the programing, development, and deployment in addition to payments you will recieve once you programs sells. 

Discover how to create an iPhone or iPad App & Game and hit pay dirt with it in the App Store! 60% commission + Bonus. Awesome member area with full video course. All you need to know on how to start App business with no programming skills at all!


this program is not expensive if you are a beginner save your self time and get one today, after all time is money.

Roughly around $5 to get started. 

Home Job Spot Website Review

Ok this site is a work from home job bank. 
Here are the pros- no negative feed back on google, or at BBB.
appears to be a smaller company
upfront about types of jobs they offer and what industries
upfront about the cost to participate with out searching the website. 
appears to be a one page webpage. 
You will not find an exhaustive list of ad-posting schemes, pyramid schemes, chain letters, cash gifting offers, or other well known schemes. 
You will not find commercial advertisements disguised as job ads.
You will find a wide variety of job opportunities including  freelance and contract opportunities as well as FT and PT positions in both entry-level and professional-level work


The following job categories are represented in the Job Bank at all times.
Business • Clerical • Customer Service • Engineering  • Programming • Finance • Graphic Art
Human Resource • Miscellaneous • Sales and Marketing • Transcription • Web Design • Writing



cons- you have to pay a one time $18 fee to join, (but that fee is one time for the life of the account)
not always alot of jobs to choose from 
smaller company
very little information on the internet about them

So in all, I would have to give this one a thumbs up as well. So far it has worked out well for me, but if it dont for you, you are only out $18 and not a monthly fee. 

Review of writing at home jobs.



OK, we have all seen the work from home jobs, right? Trends include affiliate marketing, posting ads online, and many more. 


A new trend these days is freelance writing. now this can be a good source of extra income, specially if you are good with english. 


Here are some frequently asked questions of the one i reviewed this morning: 

Asked Questions

Q: How much money can I make?
A: Your earnings potential is really up to you. The harder you work, the more you can make. In the past I've made well over $10,000 in a month writing articles but this doesn't mean you will make as much. I worked very hard and wrote for many hours everyday. Using the tips and resources found in RealWritingJobs.com, if you put in similar effort there is a good chance you can make a very solid income.Q: How long until I get my first payment?
A: The bulk of the companies you'll be writing for pay you instantly upon completion of the job via Paypal, Check, or a Bank Wire for larger payments. You will work out the payment terms with each employer before you start the writing job.
Q: Do you offer a guarantee I will make money?
A: No, we can't make any guarantees about how much you can earn but we do provide you with everything you need so you can start making good money writing online. We offer a 60-day unconditional money back guarantee so if you find that it is too difficult for you to make money, we will refund your membership fee within the first 60 days. However, we are confident you will be very happy and making money quickly which is why we offer such a great money back guarantee, we stand 100% behind our site.
Q: Will I have to buy anything else after I signup?
A: No, absolutely not. Your only cost is your RealWritingJobs.com membership which includes all the information you need to start writing as well as the largest job bank of writing jobs online.
Q: What countries are eligible to join?
A: Citizens of ALL countries can join, as long as you have above an 8th grade writing level you'll be able to write articles.
Q: I'm not that great of a writer, can I still join?
A: Yes, certainly. These companies that want articles need for them to be written in a simple way so that everyone can understand them easily. If you can write at an 8th grade level or higher, you are qualified to start writing articles. We also have a lot of amazing tools to help you become a better writer and correct any grammar mistakes you may make in your article.
Q: Is RealWritingJobs going to be my employer?
A: RealWritingJobs.com does not employ you. You'll be employed directly by the companies and blogs that hire you to write jobs. RealWritingJobs.com provides you with the largest online job database of writing jobs as well as the best writing training tools available. You'll be able to choose which freelance writing jobs interest you.

Here is some additional information about the earnings of this company: 

Earnings Disclaimer


EVERY EFFORT HAS BEEN MADE TO ACCURATELY REPRESENT THIS PRODUCT AND IT'S POTENTIAL. EVEN THOUGH THIS INDUSTRY IS ONE OF THE FEW WHERE ONE CAN WRITE THEIR OWN CHECK IN TERMS OF EARNINGS, THERE IS NO GUARANTEE THAT YOU WILL EARN ANY MONEY USING THE TECHNIQUES AND IDEAS IN THESE MATERIALS. EXAMPLES IN THESE MATERIALS ARE NOT TO BE INTERPRETED AS A PROMISE OR GUARANTEE OF EARNINGS. EARNING POTENTIAL IS ENTIRELY DEPENDENT ON THE PERSON USING OUR PRODUCT, THEIR IDEAS AND TECHNIQUES. WE DO NOT PURPORT THIS AS A "GET RICH SCHEME."

ANY CLAIMS MADE OF ACTUAL EARNINGS OR EXAMPLES OF ACTUAL RESULTS ARE NOT TYPICAL. YOUR LEVEL OF SUCCESS IN ATTAINING THE RESULTS CLAIMED IN OUR MATERIALS DEPENDS ON THE TIME YOU DEVOTE TO THE PROGRAM, IDEAS AND TECHNIQUES MENTIONED, YOUR FINANCES, KNOWLEDGE AND VARIOUS SKILLS. SINCE THESE FACTORS DIFFER ACCORDING TO INDIVIDUALS, WE CANNOT GUARANTEE YOUR SUCCESS OR INCOME LEVEL. NOR ARE WE RESPONSIBLE FOR ANY OF YOUR ACTIONS.

MATERIALS IN OUR PRODUCT AND OUR WEBSITE MAY CONTAIN INFORMATION THAT INCLUDES OR IS BASED UPON FORWARD-LOOKING STATEMENTS WITHIN THE MEANING OF THE SECURITIES LITIGATION REFORM ACT OF 1995. FORWARD-LOOKING STATEMENTS GIVE OUR EXPECTATIONS OR FORECASTS OF FUTURE EVENTS. YOU CAN IDENTIFY THESE STATEMENTS BY THE FACT THAT THEY DO NOT RELATE STRICTLY TO HISTORICAL OR CURRENT FACTS. THEY USE WORDS SUCH AS "ANTICIPATE," "ESTIMATE," "EXPECT," "PROJECT," "INTEND," "PLAN," "BELIEVE," AND OTHER WORDS AND TERMS OF SIMILAR MEANING IN CONNECTION WITH A DESCRIPTION OF POTENTIAL EARNINGS OR FINANCIAL PERFORMANCE.

ANY AND ALL FORWARD LOOKING STATEMENTS HERE OR ON ANY OF OUR SALES MATERIAL ARE INTENDED TO EXPRESS OUR OPINION OF EARNINGS POTENTIAL. MANY FACTORS WILL BE IMPORTANT IN DETERMINING YOUR ACTUAL RESULTS AND NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE RESULTS SIMILAR TO OURS OR ANYBODY ELSES, IN FACT NO GUARANTEES ARE MADE THAT YOU WILL ACHIEVE ANY RESULTS FROM OUR IDEAS AND TECHNIQUES IN OUR MATERIAL

After reading the fine print and review the BBB 
information on this product I say go for it if you like to write. 


Click Here to give it a try!

New Online Freelance Employer Sites

Clark Howard is making it part of his new mission to be a resource for the unemployed and the underemployed during this tough economic cycle.

The conventional wisdom about education and employment -- as your level of education rises, the less likely you are to be impacted by lay-offs -- has been completely flipped on its head this time around. This recession knows no boundaries in terms of education, skill level, training or years on the job.

If you have skills of a certain nature, try picking up some consulting work (aka freelancing) on a per-job basis. The Internet offers a variety of sites that hook freelancers up with employers. The San Francisco Chronicle's Tom Abate has compiled a list of such websites, including the following ones:

eLance.com
oDesk.com
Guru.com
crowdSPRING.com 



These sites are being called "virtual hiring halls" because they're a modern adaptation of the union hall idea where workers would go to await job orders.