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“Savings” It is a word that we all think about but that we don’t all care to do... When is it good to save and when is it good to indulge? How much

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In this economy, it is difficult to remain positive…it is even more difficult to feel confident that the economy will turn around.

We are faced everyday with new challenges as we hear of continuous problems facing our economy, some have past, some are present and some bad times are still ahead. The reality is just that, times are not the best this country has seen nor is this the best time you’ve seen.

It is easy to get caught in all the news, the gossip and the general info out there and simply get afraid of things to come. The reality however remains that this is the exact attitude that will keep us where we are, and keep us from getting out of this mess. The economy is directly tied to consumer spending and therefore the main reason it is down, is the lack of confidence from people in the economy.

We discussed earlier that the way to fix this economic mess is not to inject more money by borrowing it, but rather recirculate existing money within the system to better use.

Regardless of what the ultimate fix is to this economy, it is important that consumer spending increases and recirculates the money in retail institutions who can then remain profitable and keep more staff on hand which prevents unemployment. I am not advising that you go out and spend all your money as you would normally do, i am simply suggesting caution when spending instead of fear. Business owners and managers who manage with the fear of loosing everything end up loosing more, as they do not pay attention to their business but spend time driving themselves mentally crazy.

Make correct choices that allow you to continue living life while remaining cautious of your spending but not keeping you from your regular day to day activities. If you have to make changes, reduce your habits, but do not change your way of life.

Till next time….

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In 2008, unemployement soared and caused millions to loose their jobs, 2009 is expected to be worst. Some factors are uncontrollable and can keep you from getting the job you want but some others are strictly your fault.
Lest look at some small items that can keep you from succeeding.

* Arriving late to an interview
* Chewing gum
* Not looking your business best
* Not being prepared
* Appearing too confident
* Being very relaxed
* Using Slang often
* Attempting to create a friendship
* Being loud
* Being vague in your abilities
* Lying on your resume
* Grammar mistakes on your resume are a big no no

These are some of the few more common mistakes people make and yet dont realize it which makes it very difficult to correct…

Here are some quick tips to help you:

* Be 20 min early
* Do Not chew or eat anything during
* Answer with confidence but be humble
* Do not down talk your prev employer
* Practice your statements
* Practice discussing whats on your resume
* Speak to your activities, that create your abilities
* Be Honest on your numbers
* Be very polite, remain engaged
* Do your homework on the company
* Do your homework on the position
* Understand why you are a fit for role

Here are some simple tips that can help you win in 2009 and be actually considered for a position, keep in mind that more people are unemployed and therefore more people are looking for an opportunity to win, some of which are more qualified than you.

Dont allow these small items to cost you to losse opportunity.

Best of luck…

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The Stimulus Program will Benefit the Poor First and Foremost

President Obama signed the $787 billion economic stimulus bill into law on Tuesday, February 17, 2009. This historic rescue package is just one of a raft of recovery measures the new administration is introducing in an attempt to get the economy on its feet again as quickly as possible.

For sure, the stimulus package is the product of much compromise and wrangling in Congress, and it’s far from perfect. A lot of the infrastructure spending provisions will take months or even a year or two to implement, and might not start generating jobs, spending and other economic activity until the recession is already ending.

Nevertheless, the good news is that some of the measures it introduces will start to have a positive effect on the economy as soon as they are implemented in the next few weeks. The group that will benefit the most in the short term – from spending as well as tax cuts and credits – is the 37 million or so poor Americans. Several million others will be saved from falling into poverty.

The approximately 5 million people who receive unemployment benefits will get an extra $25 a week. They will also be able to stay on unemployment longer – vital for the many who will be unable to find other jobs during the recession. The 30 million who rely on food stamps will get an increase, and 7 million elderly, disabled or blind low-income Americans will receive a one-time payment of $250.

Whether or not they make enough to pay income tax, many people at the lower end of the earnings scale will benefit from the tax credits in the stimulus package. Together with the $400 refundable tax credit for workers, expansions to the child tax credit and Earned Income Tax Credit will boost the disposable incomes of precisely the people who need it most. Someone who is living on a low income is far more likely to spend any extra money they might get than save it or pay off debts.

The administration is, in fact, hoping that everyone who gets an income tax credit unde

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10%…That right…10% is the expected rate of unemployment before we get back on track. The good news is that relief is expected to arrive in the next 6-8 months.

We are currently running at 7% and it seems like a never ending cycle…Does that mean that you will get your old job back. NO

The same companies are not expected to see recovery until 2010 but are expected to start looking for talent this coming winter, in the meantime many new jobs are being created in the energy industry and the construction industry and will help lower the unemployment which should help consumer spending and the housing market. Just remember that the domino effect of a downturn is equally applicable to a recovery.

So hang in there if you are currently unemployed, help might be on the way sooner than expected.

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