Assisting Youngsters and Pets Develop 'Pawsitive' Relationships ...

Canines, like youngsters, are element with the loved ones. But regardless of what the dog?s temperament, families with young children ought to get some critical safety precautions.

For your children?s security and also the dog?s, it?s essential which they learn how you can perform nicely with every other. Here are some recommendations:

* Decide on the best breed and personality. Typically the huge breeds ? labrador and golden retrievers and normal poodles ? are tolerant of kids. But every single puppy is definitely an person, so inquire the breeder or rescue shelter regarding the dog?s personality ahead of you buy or adopt.

* Understand the pet?s behavior. Pets can turn into upset by too much stimulation. The Humane Society with the United states recommends teaching your youngsters to heed warning indicators like hissing or lip curling, which show the animal wants to become left by yourself.

* Educate the youngsters excellent manners. They must never disturb the dog even though it really is eating, taking a nap or enjoying with its favored toy.

* Keep your pet tranquil. Some canines get really energized and agitated when confronted by lots of children. And more mature canines might be frightened from the high-pitched sounds and rapid motions of children taking part in. An item like Pluto Pet?s Pet Calming Spray could assist your dog stay relaxed no matter how significantly activity is occurring around it. Produced from all-natural substances, the spray triggers no side effects and meets all Food and Drug Administration guidelines for good production practices.
* Maintain an eye on points. Young children and dogs must always be supervised when together. And when your infant starts crawling, keep the dog by your facet until it will get employed to seeing a little human speeding across the flooring.

* Walk with each other. Children adore holding a dog?s leash, but an grownup ought to be there to supervise, in accordance with the Individuals and Canines Culture. A kid might not be able to control even essentially the most mild-mannered puppy if it truly is approached by another dog. And youngsters can tug also difficult within the collar and leash, injuring the pet dog.

* Exhibit respect. Young children ought to understand which components from the dog?s physique they can touch and pet and how to touch gently. For example, your pet dog may love belly rubs and getting its head stroked but resent getting its feet or tail touched.

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Mortgage rates tumble to record lows. Again.

The average rate for a 30-year fixed rate mortgage declined 2 basis points to 3.81 percent? since last week, the lowest value on on record for this MBA series, while the purchase application volume declined 0.6 percent, and the refinance application declined 1.5 percent over the same period.

By SoldAtTheTop,?Guest blogger / May 30, 2012

This chart shows the average interest rates of 15- and 30-year fixed rate mortgages over the past five years. 30-year mortgages fell again last week, and now sit well below the 4 percent mark.

SoldAtTheTop

Enlarge

The Mortgage Bankers Association (MBA) publishes the results of a weekly applications survey that covers roughly 50 percent of all residential mortgage originations and tracks the average interest rate for 30 year and 15 year fixed rate mortgages as well as the volume of both purchase and refinance applications.

Skip to next paragraph SoldAtTheTop

Writer, The PaperEconomy Blog

'SoldAtTheTop' is not a pessimist by nature but a true skeptic and realist who prefers solid and sustained evidence of fundamental economic recovery to 'Goldilocks,' 'Green Shoots,' 'Mustard Seeds,' and wholesale speculation.

Recent posts

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The purchase application index has been highlighted as a particularly important data series as it very broadly captures the demand side of residential real estate for both new and existing home purchases.

The latest data is showing that the average rate for a 30 year fixed rate mortgage (from FHA and conforming GSE data) declined 2 basis points to 3.81% since last week, the lowest value on on record for this MBA series, while the purchase application volume declined 0.6% and the refinance application declined 1.5% over the same period.

The following chart shows the average interest rate for 30 year and 15 year fixed rate mortgages since 2006 as well as the purchase, refinance and composite loan volumes (click for larger dynamic full-screen version).

The Christian Science Monitor has assembled a diverse group of the best economy-related bloggers out there. Our guest bloggers are not employed or directed by the Monitor and the views expressed are the bloggers' own, as is responsibility for the content of their blogs. To contact us about a blogger, click here.To add or view a comment on a guest blog, please go to the blogger's own site by clicking on paper-money.blogspot.com.

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Aaron Sorkin talks about future Steve Jobs movie, impact of technology on his writing

You don't have to look far to get a grasp on who Aaron Sorkin is -- he wrote A Few Good Men, The American President, The West Wing, Moneyball and The Social Network, for starters -- and he showed up at D10 to talk creative media, how the digital age impacts his writing and his impending movie about late Apple CEO Steve Jobs. While not involving hard technology news, the interview was exceedingly refreshing, and it delved deep into the world of tech as it impacts his upcoming show about a fictional newsroom (The Newsroom on HBO). The highlights included a frank quote that whoever ends up playing Jobs in his movie -- not to be confused with the one already in production with Ashton Kutcher -- will have to be "good, and intelligent." He also confessed to being fully engaged in the "three screens" movement, but wasn't too prideful to admit that he taps into the brain of his 11-year old daughter for lots of technological help. Pretty wild for a guy that many would label "genius." For more from the interview, head on past the break.

Continue reading Aaron Sorkin talks about future Steve Jobs movie, impact of technology on his writing

Aaron Sorkin talks about future Steve Jobs movie, impact of technology on his writing originally appeared on Engadget on Wed, 30 May 2012 15:24:00 EDT. Please see our terms for use of feeds.

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You Should Hire Other Entrepreneurs | TalentRefresh | Small ...

Candidates with dreams of starting their own business can actually make great hires for yours, argues one expert on entrepreneurship-obsessed Gen Y.

When Millennial Branding and analytics company Identified.com combed through millions of Facebook profiles recently to glean insights about how the social network is being used professionally, they discovered something surprising?among young people (so-called Gen Y) the fifth most popular job title was ?owner.?

At the time, Millennial Branding?s managing partner Dan Schawbel told Inc.com that he believes the entrepreneurial life appeals to younger workers because, ?they can have an impact on Day 1, whereas in a large company, they would have to go through months of training only to be stuck in a single role.? They also ?saw their parents work for large companies for decades and don?t want to same fate. They don?t trust large companies,? he noted.

All of which is well and good if you?re a young person bent on starting a business and want to know you?re not alone. But if you?re a bit older and the owner of a more established business, what good could this information possibly do you? After all, you?re pressing concern is how to hire and get the best out of new talent and it doesn?t help you any if the primary interest of so many of potential hires is striking out on their own, does it?

Not so fast, Schawbel answers in a recent column for the American Express OPEN Forum blog. Young folks with entrepreneurial dreams can actually make great hires for your business. What benefits does hiring your fellow entrepreneur offer?

?These ?kindred spirits? would make the best employees for your small business. Who better understands that a lack of resources and manpower forces you to work harder in the initial stages than a young entrepreneur?? writes Schawbel. ?Not only will these fresh-faced workers offer a breath of fresh air into your staff, they will bring a different perspective as well. Eventually you?re going to have to sell your service or product to members of Gen Y, and who would better understand the needs of Millennials better than Gen Y themselves?? he continues.

But getting the most out of team members with their own entrepreneurial dreams requires you handle these hires in a particular way, according to Schawbel. Forget railroading them into narrow, controlled roles that don?t put their dynamism to fill use. Instead, Schawbel suggests allowing their entrepreneurialism space to benefit your business:

It?s important to understand that merely hiring young entrepreneurs and then forcing them to surrender their ideas is pointless. Many corporations are embracing the idea of empowering their workers to become ?intrepreneurs??acting like a small business under the umbrella of a bigger business. Richard Branson recently endorsed the style of workplace ethic. You don?t have to sacrifice your visions of your company, but it?s vital to keep an open mind to the ideas your employees bring to the table.

Would you hire a young person with dreams of becoming an entrepreneur?

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How climate change destroyed one of the world's largest civilizations

Located in present-day India and Pakistan, the Harappan civilization fell victim to shifting monsoon patterns, a new study has found.?

By Charles Choi,?LiveScience Contributor / May 30, 2012

The mysterious fall of the largest of the world's earliest urban civilizations nearly 4,000 years ago in what is now India, Pakistan, Nepal and Bangladesh now appears to have a key culprit ? ancient climate change, researchers say.

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Ancient Egypt and Mesopotamia may be the best known of the first great urban cultures, but the largest was the Indus or Harappan civilization. This culture once extended over more than 386,000 square miles (1 million square kilometers) across the plains of the Indus River from?the Arabian Sea?to the Ganges, and at its peak may have accounted for 10 percent of the world population. The civilization developed about 5,200 years ago, and slowly disintegrated between 3,900 and 3,000 years ago ? populations largely abandoned cities, migrating toward the east.

"Antiquity knew about Egypt and Mesopotamia, but the Indus civilization, which was bigger than these two, was completely forgotten until the 1920s," said researcher Liviu Giosan, a geologist at Woods Hole Oceanographic Institution in Massachusetts. "There are still many things we don't know about them." [Photos: Life and Death of Ancient Urbanites]

Nearly a century ago, researchers began discovering numerous remains of Harappan settlements along the Indus River and its tributaries, as well as in a vast desert region at the border of India and Pakistan. Evidence was uncovered for sophisticated cities, sea links with Mesopotamia, internal trade routes, arts and crafts, and as-yet undeciphered writing.

"They had cities ordered into grids, with exquisite plumbing, which was not encountered again until the Romans," Giosan told LiveScience. "They seem to have been a more democratic society than Mesopotamia and Egypt ? no large structures were built for important personalitiess like kings or pharaohs."

Like their contemporaries in Egypt and Mesopotamia,?the Harappans, who were named after one of their largest cities, lived next to rivers.

"Until now, speculations abounded about the links between this mysterious ancient culture and its life-giving mighty rivers," Giosan said.

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Huawei hotspot supports 110Mbps downstream on Softbank's 4G network

Huawei's 102HW Ultra WiFi 4G router might not be bathing in the same irradiated limelight as Sharp's Pantone 5, but it's said to support the fastest mobile data service in Japan. Announced at SoftBank's summer product rollout, the 102HW sports download speeds of up to 110 Mbps down and 10 Mbps up on AXGP (Advanced eXtended Global Platform) 4G, though it'll fall back to 3G when necessary. Up to ten users can simultaneous surf the web via 802.11b/g/n WiFi at 300 Mbps and share files through a built in microSDXC card slot. The box can also switch to and from SoftBank WiFi hotspots on the fly if cellular connections alone won't cut it. Live in Japan? You'll have to wait until September to land a hotspot of your own.

Huawei hotspot supports 110Mbps downstream on Softbank's 4G network originally appeared on Engadget on Wed, 30 May 2012 05:59:00 EDT. Please see our terms for use of feeds.

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Home health equipment - HEALTH, BEAUTY & FITNESS

At Supervits. com searching through the title from the product, home health equipment what it? s you? ll need the supplement for, health as well as by manufactures such New Chapter Vitamins and today vitamins. If you don? t have to go to a physician regularly, it can save you rates by growing the deductible amount and completely getting rid of a choice of co- payment with this cover. If this does, the ? rapidly manages to lose its jelly- like viscosity, which protective cement manages to lose its usefulness. Consistency All doctors could be in- network under universal healthcare. We? re committed a lot more than 1, 000 dental practitioners. Should you be careful about casual investing, you might find that there? sutter health jobs sutter s more income going swimming inside your budget than you recognized. Xylitol has additionally health been discovered to be good at getting rid of bacteria that triggers foul breath, gum illnesses, ulcer and stomach cancer. You will find other people who opt out of the idea of a long- term policy. home It? s so because such homework involves just discovering various a healthy body insurance coverage using their quotes and also the right source where to possess them. Searching for Wealth in Mental Health eLearners. com introduced today the very best 20 most widely used degree programs online as recognized through the 2011 eLearners Index, a yearly proprietary are convinced that evaluates prospective student interest and demand in online education. For those who have bought student medical health insurance using your school, keep in mind that most medical services are carried home health equipment out in the school? s health center. Acquiring help having to pay for that costs of home healthcare might not be as difficult while you think. States filing suit incorporated Florida, with a large senior population, and Texas, which needs to have to shoulder a $ 24 Billion jobs burden within the next ten years consequently from the new law. Listed here are the standards that has to be looked at if you wish to select the right provider and also the best medical health insurance plan. Migraine Since we operate in different shifting agendas, severe headache can be a huge problem. By way of modifying the spine, it allows the particular nerve impulses flow to help keep equipment your body healthy. The majority of us ladies and males know about these signs and symptoms as you? ll want seen them in your relatives at some point or even the other. With child weight problems in a high rank of 13% of youngsters and adolescents within the U. S, Obtaining the youthful ones from t. v and game titles and also to a gym is a superb begin a proper existence.

Related Post Home health equipment

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PC Software World ? The Benefits of Possessing a Real estate agent

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> Uncategorized > The Benefits of Possessing a Real estate agent

All you have to do is look about your city or town to determine WHY you must possess a realtor. Properties are getting purchased and sold everyday with all the benefit of industry analysis and organizing. Generally instances these two elements are outdoors the scope of an individual who needs to market their very own residence. Positive, you know what kind of equity you place into your personal residence, but how much did that other home down the street promote for? What kind of pricing is affecting the properties around you at present? Do you understand ways to reach out to prospective house buyers? These queries all lend to causes why you will discover benefits of having a realtor.

Advantage 1: Market Research

Realtors have the advantage of not only searching the MLS (Multiple Listing Program) for you though acquiring a house or residence you might like, but they also are aware of any phone calls that come in to the office that could possibly be from new vendors that are wishing to offer as quickly as you possibly can without heading in to the MLS. As an individual who?s not represented by a real estate agent, you would be lacking out on these bargains. Agents also possess the advantage of researching market place analyses of distinct home varieties within the location that you are seeking to acquire or market in. This is invaluable details because it would go in the direction of how much anything is certainly worth.

Advantage 2: Preparing and Consultation

Realtors would be the those who have gone via aiding with 100?s of household closings and household promoting scenarios. They are the ones to seek advice from with in knowing how to offer your home. Does one keep you animals away after you have a property displaying, and just how much does one clear up? What do you desire to spotlight and what do you wish to help keep in the track record. They are all inquiries that true estate agents can help with.

Benefit 3: They are on your facet

You might never have somebody as ferocious on your facet to assist you get or offer a household. Realtors are commission primarily based for his or her provider fees, however they depend on their community of customers to provide within their next consumer. Without their network, they would not have any individual to characterize. That getting stated, they?re going to do everything doable to acquire what you need. Without having enjoyable their clients, they would haven?t any clients!

As you could see, realtors supply quantified rewards outdoors of helping in getting or offering your house. They have an understanding of the nuances, the paperwork, and most importantly- your requires. For much more info of tools and listings to look.

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Carnival of Personal Finance #363 ? Never Forget

Today I will be BBQ?ing just like every other American family. But memorial day will always have a different meaning for me.

You might think that serving overseas might have something to do with it ? and it does. But that?s not the only reason.

It wasn?t until several years after returning home that Memorial Day took on a special meaning for me.

The day that I learned SSG Joshua Melton, a father, a husband, a true warrior ? a brother in arms that served with me in Iraq and then volunteered to serve again in Afghanistan ? was killed by an IED while on a mission.

Josh didn?t have to do again. Truth be told, I got out of the military after my enlistment was done so that I didn?t have to deploy again. There are days that I feel selfish for this decision. As if serving one 16 month deployment wasn?t good enough.

Others may consider me a hero, but the true heroes are those like Josh that served, not because they had to ? because they loved their country.

You may know one of these heroes or a family member of these heroes. Take some time today and remember to thank them for the awesome sacrifice they have done.

It?s the least we can do.

Never forget.

Now the Carnival of Personal Finance:

The Top Picks of the Week

SB from One Cent at a Time presents A Few Unconventional Ways to Reduce Gas Consumption, and says, ?Some unconventional ways to save money on gas. Simple techniques which any one can follow ranging from enhancing AC performance to adjusting driving speed, find it all.?

Eric from Narrow Bridge Finance presents How to Start Your Own Business with Little Money, and says, ?On Friday night, I had the pleasure of joining Chris Guillebeau and other like minds on the Denver stop of the $100 Startup Book Tour. It was fun meeting people who only knew me as ?@DenverEric,? and I enjoyed chatting about world travels and business adventures with a great group of people. Chatting with Chris, I started thinking about the different startup business models popular in the online world today and how to leverage all of them for a great success.?

Philip from PT Money Personal Finance presents Best Long Term Savings: Building a Nest Egg, and says, ?Discusses creating a savings plan for money to be used on a yet-to-be-determined long-term expense. Analyzes it by looking at a few of the major factors: liquidity, return, and risk tolerance.?

Donna Freedman from Frugal Cool presents ?Microjobs?: Quick extra cash, and says, ?A number of websites will connect you to one-time or short-term gigs. Some pay surprisingly well. Microjobs aren?t just for students, either. Their flexibility make them a good bet for at-home parents, the unemployed or underemployed, retirees who want to bring in a little extra and people who already have jobs but want to earn extra money for specific goals. ?

Martin from Studenomics presents One Little Secret That Will Help You Make More Money Freelancing, and says, ?How to make more money right now.?

The Best of the Rest

Russ Thornton from Wealthcare For Women presents 9 Investments Women Should Avoid, and says, ?While there are many resources on the web and in the media telling us which investments we should buy, I?ve highlighted a list of 9 investments I believe women should avoid.?

Shaun Connell from US Interest Rates presents Should I Pay Off My Mortgage Early?, and says, ?An explanation as to why paying off a mortgage early might not be the most profitable choice in the long-term, but for many ? if not most ? people, it?s still one of the best choices possible. A bird in the hand is worth two in the bush.?

Diva from Diva In Debt presents How Much Is Happiness Worth To You?, and says, ?How much is happiness worth to you? Diva in Debt discusses how much she is willing to spend to be happy on a daily basis.?

Roshawn Watson from Watson Inc presents Broke People ? Stop Giving Me Financial Advice!, and says, ?y personal finance journey has lead me to keep others? opinions out of my wallet. Here are 4 reasons to not allow broke people to influence your financial decisions.?

Michael Kitces from Nerd?s Eye View presents Why Saving In A Roth (Or Any) IRA Might Be A Bad Idea For Young People After All, and says, ?Allocating savings towards human capital in ways that increase its value or growth rate can actually have far more impact than investments in financial assets; spending $2,000 on classes that produce a $1,000 raise in base salary can, over the next 40 years, generate nearly 20 times the wealth of merely saving the $2,000 in a Roth IRA and growing it for decades!?

Andy from Saving to Invest presents The Business of Being the Best, and says, ?Everyone can study these seven characteristics of success, and learn how to incorporate them into their own lives, and reach greater levels of success.?

Josh's daughter embracing his memorial.

Echo from Boomer & Echo presents Will Your Pension Plan Handcuff You To Your Job?, and says, ?Psychologically, you can be trapped for decades doing something you no longer feel passionate about because of the appeal of maxing out your pension plan.?

Mike from Rewards Cards Canada presents Do You Put Groceries On Your Credit Card?, and says, ?For some people, there?s a psychological barrier that exists when it comes to using credit cards for essentials like groceries, gas and pharmaceuticals.?

Miss T. from Prairie Eco Thrifter presents Want to Travel the World for Free? Then Do This, and says, ?Travel isn?t just for the wealthy; anyone can travel, even if they have little money to fund their trip. If you dream of travelling to far-off lands, here are 6 ways I have found to travel the world for free; Or at the very least, almost free.?

Lance from Money Life & More presents How To Win Scholarships, and says, ?When I was a college bound high school kid and while I was attending college I made an effort to try to win as many scholarships as possible. It was free money for the most part but you have to spend some time to finding the scholarships and filling out the applications.?

J.P. from Novel Investor presents The Complete Shareholder Proxy Vote Guide, and says, ?As a shareholder, understanding your rights, the proxy voting process and knowing the SEC proxy rules is the best way to stay involved. How you vote could have a direct impact on the company and your money going forward.?

Dave from 6400 Personal Finance presents Lieutenants Should Be Worth $100,000, and says, ?I show how a select group of young American professionals (junior military officers) are setup for financial success the moment they go on active duty?if they take advantage of the opportunity that is.

Eric J. Nisall from DollarVersity presents Stop Being So Obsessed With Saving Every Penny, and says, ?Saving for the future is an oft-neglected aspect of financial planning. Some take it to the opposite extreme and concentrate all their energy on retirement planning. There needs to be a balance in order to avoid regrets and enjoy all aspects of one?s lifecycle.?

CCS from Credit Card Smarts presents How Credit Cards Help You Build a Credit History, and says, ?When you use a credit card you are affecting your credit history. Use it wisely and you can build up your credit history with your credit card. See how.

Glen Craig from Free From Broke presents Which Airlines Have Seats Open for Your Rewards?, and says, ?Ideaworks released their annual Switchfly Overall Reward Seat Availability Survey. See which airline miles and points programs faired best.

eemusings from Musings of an Abstract Aucklander presents My worst financial decisions, and says, ?A look back on poor money choices I?ve made.?

Nicole from Nicole and Maggie: Grumpy Rumblings of the Half Tenured presents Spending for the second baby, and says, ?How much did you spend on baby #2? What kinds of things did you need??

Bethy from Credit Karma Blog presents ?Duets? ? Money Lessons from Singing Superstars, and says, ?Not only does ?Duets? satiate the hardcore singing competition reality show fans (they?re out there, and they?re bloodthirsty), but it also shows how successful you can be when you don?t go it alone. Let?s take a look at a few ?two is better than one? benefits, learned from ABC?s new reality show.?

Janet from Credit, Eh presents Don?t Fall for these 5 Telephone Scams, and says, ?There are a number of telephone scams out there, and you need to be on the alert. Here are 5 telephone scams to watch out for.?

Jarrod from My Dollar Plan presents Are Paid Surveys a Waste of Time?, and says, ?Paid surveys can be a nice source of extra cash but when do they cross the line into ?waste of time? territory??

Dividend Growth Investor from Dividend Growth Investor presents How to generate $1000/month in dividends, and says, ?The goal of every dividend growth investor is to create a portfolio which throws off a sufficient stream of income that pays their expenses. As soon as the amount of dividends exceeds the monthly expenses, the investor has reached financial independence.Now that we have the end goal in mind, we have to determine when exactly we need to be able to achieve the target monthly dividend income.?

Jacob @ My Personal Finance Journey from My Personal Finance Journey presents CarMax?s MaxCare Extended Service Plan Dissected and Other First-Hand Account CarMax Car-Buying Experiences, and says, ?This post delves into some of the woes of used car buying. Specifically, it outlines and details the Jacobs? first-hand account of a used car buying experience from the popular used car dealership, CarMax. Though the overall experience was positive, there were some major financial ?products? that were pushed that Jacob highly recommends against purchasing. This post details those pitfalls which will help prepare you in your own used car buying experiences.?

Alunda Marks from My Take on Money presents 20 Innovative Ways to Earn Extra Income from Home, and says, ?Alunda at My Take on Money presents, 20 Innovative Ways to Earn Extra Income from Home.?

Josh Champagne from Live Well Simply presents Habits of the Amish, and says, ?The Amish live a life that is pretty far outside the average. Here are some of the habits of the Amish, we can learn from.?

FMF from Free Money Finance presents 30 Steps to Great Finances: Steps 1 and 2, and says, ?Are you overwhelmed thinking about all the work required to get your finances in great shape? Well the good news is that you can do a complete financial overhaul in 30 simple steps. Yep, that?s it.?

Bryan from Pinch that Penny! presents Should I Drop Chase Bank?, and says, ?I?m contemplating dropping Chase and going completely online with my banking.?

Tim from Brilliant Finances Personal Finance How To presents Where to Put Money, and says, ?With so many choices on where to put your money this article discusses the best places to invest.?

Earth and Money from Earth and Money presents Are We an Impatient Society?, and says, ?Yesterday, I was delayed several minutes by a chatty customer in line at the grocery store. Should I have been more patient??

Odysseas from Wallet Blog presents Are Austria & Luxembourg Hurting American Taxpayers?, and says, ?As evidenced by the recession, personal finance and global finance have become increasingly inseparable. The policies of one country ultimately affect the economies of others, and therefore affect the personal finances of the individual citizens of those countries. So why would anyone approve of a policy that supports tax evasion, promotes criminal activity and adds to economic strain.

Bret from Hope to Prosper presents Following Up on the Facebook Fiasco, and says, ?I posted almost a year ago on why I thought Facebook stock was a really bad investment. Unfortunately for investors, it was even worse than I had anticipated.?

John from Card Hub presents Where?s My Experian FICO Score?, and says, ?In a world where knowing your credit score is now instrumental to handling your finances, why is it that Experian keeps you from that knowledge? It?s a flawed system when the consumer is denied access to their own financial data.?

Sean from One Smart Dollar presents Teaching Kids the Value of Money, and says, ?An essential part of parenting is teaching your children the value of money from an early age. This will help them out a lot once they are on their own and making their own financial choices.?

Natalie from Debt and the Girl presents What is the price for a (supposed) better future?, and says, ?I hope you like it!?

Dan Meyers from Your Life, Their Life presents How much does it cost to raise kids?, and says, ?We?ve all heard the eye-popping costs of raising kids (quarter million dollars anyone??). Check out the truth behind these numbers.?

Never Forget

Mr. Money from Smart on Money presents Is Your Portfolio Balanced?, and says, ?If you plan on living a comfortable lifestyle during your retirement years, figuring out a way to save for retirement is essential. Many Americans struggle to find a way to save money for retirement and many of those have trouble making sure that their portfolio is balanced. Without some balance in your portfolio, there?s a good chance that you will not be able to get the returns that you need to retire comfortably?

D4L from Dividend Growth Stocks presents 5 Higher-Yielding, Income Growing Tech Stocks, and says, ?When you hear the names Cisco (CSCO), Oracle (ORCL), Apple (AAPL), Microsoft (MSFT) and Intel (INTC), ?dividend stocks? is probably not the first thought to enter your mind. It wasn?t that long ago that tech companies simply didn?t pay dividends. Every penny earned was plowed back into the business. The entire focus was on growth, and investors were looking for capital gains??

Ray from Squirrelers presents Money Tips for Young People Starting Out, and says, ?It?s a good idea to start out on the right foot when it comes to money. This post shares tips for young people just starting out, to help avoid mistakes and make smart decisions that might pay dividends for years to come.?

TTMK from Tie the Money Knot presents Parents and Money: Communication is Key, and says, ?Money discusssions with parents can be awkward, and we might even question some of their decisions anyway. This post explores the topic of parents and money, which can impact us in unexpected ways.?

Mike from The Financial Blogger presents Is The Storm Over Yet? The Tribulation of a Blogger Who Wants to Be a Mogul, and says, ?Is the whole Google storm over with??

Green Panada from Green Panda Treehouse presents Did You Invest in Facebook? (Should You?), and says, ?Did you get to invest into Facebook??

Pierre from Intelligent Speculator presents The Facebook ?Fiasco? ? Am I Crazy?, and says, ?What?s really happening with Facebook??

Div Guy from The Dividend Guy Blog presents The Best Source To Get Dividend Stock Picks, and says, ?Where do you get your dividend information??

Penny Golightly from TotallyMoney presents Easy ways to make a bigger profit on eBay, and says, ?simple tips to make more money when you sell your unwanted items on ebay?

?

Jason from One Money Design presents Are You Really Getting a Good Deal when Shopping at Outlet Stores?, and says, ?It?s important to be a savvy shoppoer when purchasing from outlet stores. Follow these tips to make sure you get a good deal.

Nathan Richardson from ComplexSearch presents What?s a Good Credit Score in 2012, and says, ?Because of the mortgage crisis of 2008, many changes were made to creditors anticipation of what is a good score. We?ve consulted credit experts and came to the conclusion of what is a good credit score.?

Dannielle from Odd Cents presents Why I?m Getting Rid of My Credit Card, and says, ?I explain why I?m getting rid of a credit card that has no benefits.?

Geoff @ Financial Highway from Financial Highway presents RRSP vs TFSA Which is Better?, and says, ?When Canada introduced the TFSA into the mix of registered and non-registered investment accounts, it made an already difficult decision even harder. How do I allocate my investments between my TFSA, RRSP and non-registered accounts? We?ve prepared a number of examples below to help investors understand the tax treatment of different investment types and the optimal account mix for their portfolio.?

Myself from Life Insurance By Jeff presents Special Risk Life Insurance ? How Special is it?, and says, ?Special risk life insurance is a lot like high risk life insurance, you can get it but you?ll wind up paying more than those the insurance companies deem not a risk.?

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Sex, Love, & Relationships | Straight Up Love ? Blog Archive ...

May
2012 28

Watch your tongue and keep your thoughts true to your goals. This week aggressive Mars in critical Virgo is causing trouble with Mercury (your thoughts) in Gemini (communications with others). If someone get?s in the way of a daily routine that has taken several months to finally perfect, there?s a chance you can explode. Let it pass quickly. This tension can easily motivate change without a freak out. It?s up to you.

Get ready for the money. Jupiter has spent a year working on your self esteem and now gets ready to enter your personal money sector. Currently Venus is in there and she is retrograde so it feels like all of the blessings have stopped. This is not true. It?s like an elastic band that?s just gaining tension and preparing to spring. Get ready.

There?s a lot of powerful energy surrounding you beginning right now. It?s all about what you want and how you go after it. If you?re the type who sits around waiting for someone else to do things you will lose. If you do it yourself you will win. Think as big as you can and go for it. The bigger the idea, the more chance for success. After all that, you will be faced with some moments where you?ll wonder ?seriously?? and ?wtf?. Roll with it.

Lovers from the past invade your dreams with an allure to relive past romances. It?s just a dream but it can also be fun. Take this time to heal yourself from the inside. Your energy focus is self-love and healing. Don?t sink too deeply.

It?s important for you to be out in the public where people can see you. Helpers from the past, return with new offers. Listen closely to all offers. In a short time you will meet someone who has the ability to make all of your dreams come true. Talk to everyone. Listen to yourself. An answer arrives late in the week.

There?s finally a dream lover waiting on the horizon. As clouds clear you?ll get to see someone in a new light and you like it. A dream job offer arrives from a close friend.

You don?t have to make that decision you?ve been anguishing over. Another couple of days and clarity arrives. You like what you see more than you ever expected. Things change and you?re going to have to get used to it. You didn?t get everything you ultimately felt you wanted but you?re going to have so much more.

If the planets have any say, you?ve been flirting your sexy tail off and people have noticed. Venus is retrograde is your 8th astro-sector and this is all stuff close to your heart, financial partnerships, death, transformations, the occult, sex, mysteries, and healing. This placement emphasises the outward success you can have with someone close but it is currently feeling like the love has dried up. Your teammates will return very shortly with a ton of love. The question is, as a scorpio, can you welcome back someone who left you stranded?

There?s a lot going on with you and close relationships right now and soon it?s going to get even better. This week however, the brakes are on and it sucks. The past is haunting. Make peace and move on. The problem is you?ve wrapped yourself in the most bizarre illusion and you?re sucking others into your drama. Clarity begins at the end of the week.

Keep moving. Work your plan, every day. Go to the gym. Double check your bills. This is the time to be working through your plan. It might feel like a get nowhere kind of week but keep going. You?re making progress. Illusions intensify at the end of the week. Last chance to take a chance.

It?s difficult to believe that you?ll get any luckier than this but it?s coming. Love is on the freeze for another week but this just means it has a chance to breathe and build excitement. A little patience and some wonderful insights rule the beginning of the week.

Tension at home and the waters get warm. It should be a time of love but it feels like change is coming fast. You might feel extra taxed as you extend to help someone close. Watch for an energy drain at the end of the week.

Category: Slider, Weekly Astrology

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Farmhouses, Yellow Fields and Spargel | Family Tree Tours

German trip May 2012

Well I am home from Germany now and I always have good intentions of blogging every day when I am there, but that never happens. Never enough time, although I do take train or car time to jot down a few notes. ?So, I will try to write about things now as I look through the pictures.

We usually do a trip in May because Germany is such a pleasure to the eye in May. Yellow fields of rapeseed blooming in fields scattered over the hillsides looking like a patchwork quilt, tons of lilacs blooming and rhododendron and hydrangea. ?It was gorgeous.

I had a few days before we met our clients for a personal heritage tour and we decided to visit a local ?landlord?s? house called Schloss Hunnefeld, located near Bad Essen. In the olden days the landlord was the person who was in charge of collecting the rents and taxes from the small farmers. ?In the 13th century Schloss Hunnefeld ? was a moated ?water? castle. ?Today you come down a long lane into a large clearing and see the impressive residence. The building is a three-winged two story in the Renaissance style. ?There is a small island in the moat now and behind it a beautiful English garden. ?There also is French style dovecote from the 1700?s. ?I could picture the small farmer walking his way down the long lane with his hard earned money or livestock or whatever he had as payment.

In the building where the caf? is now was the counting house, or the place where taxes and rents were collected. ? I guess a little history of the ?farm system? in Germany is in order. ?Of course this is a generalization, different areas had different laws and different systems but the farm system had been around for centuries, its roots go back to the Germanic tribes, who were nomads and whose economy was based on summer military campaigns, in which the men earned the tribes living by plunder. ?When they settled down to more agricultural pursuits versus the nomadic lifestyle, they needed the protection against other marauding tribes so they pledged service and fealty to their warrior overlords. ?By the end of the Middle Ages, military protection by the overlords was not needed as much, so the overlords settled down too. ?Land and income from agricultural products replaced plunder as their primary source of income, and the relationship of overlord and peasant farmer became firmly established. ?At least this is what I have read and I am sure there are probably more complicated reasons but this serf and lord system was around for centuries and German villages and farms used to ?belong? to someone that they owed taxes and rents too. ?We have found records for some of these big farms that list all the small farms they owned and how much they collected etc. ?Sometimes (not sure how often as I have not personally seen that many) they might list the farmers names that were under their control. ?Of course in the Northwest of Germany the larger farms had the names and whoever lived there took that name. But that is a story for another day.

For more pictures of Schloss Huennefeld click here: ?https://picasaweb.google.com/115481397474939988366/Germany2012?authuser=0&authkey=Gv1sRgCN74ou6Uzs61-wE&feat=directlink

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Ex-NFL Star Jamal Lewis Files for Bankruptcy

Ex-NFL Star Jamal Lewis
Files for Bankruptcy
Makes a Lot, Spends a TON

Exclusive

Retired NFL star Jamal Lewis -- who helped the Baltimore Ravens win the Super Bowl in 2001 -- has filed for bankruptcy, claiming he's a financial train wreck ... and can't pay his eight-figure debt.

Jamal filed the Chapter 11 papers in Atlanta -- according to the docs, he's got $14,455,854 in assets but he's racked up a whopping $10,566,764.18 in debts.

Among his creditors -- Bank Of America has a lien for $947,876, Benz has one for 113k, Chrysler for 15k ... and the list goes on.

As for his assets -- Jamal's got five homes, a bunch of expensive cars, a $500,000 401(k), and 50% ownership in Fort Rapids Indoor Waterpark in Columbus, OH (worth about $6 mil).

According to the docs, Jamal is self-employed and earns approximately $35,000 a month.

By filing Chapter 11 Jamal ... can keep most of what he's got, while negotiating reduced and extended payments to creditors.

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Benefits Of PPC Marketing For Online Businesses | Info Abounds

May 29th, 2012 Tags: Advertisements, Advertisers, Advertising Networks, Adwords, benefits of ppc advertising, Business Online, Cost Per Click, Dependant, Google, Legitimate Web, Marketing Networks, Marketing Online, Money Online, Niche Market, Pay Per Click, Pay Per Click Ads, Ppc, PPC advertising, Publishers, Regard, Traffic Results, Website Visitors
Posted in Uncategorized

Are you wondering about the benefits of PPC advertising? There are numerous ways in which PPC marketing can be helpful in making money online.

Due to the increasing importance of online advertising, the Pay Per Click (PPC) advertising networks are growing in number. Google Adwords is the most popular ppc system for both advertisers and affiliates.

Yahoo Marketing offers a good alternative to Google and it can be lower in cost dependant upon the specific niche market your business is in. Bing is owned by Microsoft.

PayPerClickAcademy.com is a web site that offers an in depth look into ppc advertising. They provide assistance with finding affiliate offers to promote along with a good introduction to pay per click marketing for newbies.

Let?s look a little more into detail on PPC advertising.

Pay Per Click (PPC) advertising will pay the publishers once the visitors click on the ads. On the other hand, the advertisers benefit from it once they make a sale.

Therefore, for both the publishers and the advertisers, the PPC ads really are a key method to obtain online income. The visitors and the advertising networks also form a very important part of the PPC advertising world. Advertising can?t be positioned without the marketing networks and it cannot be seen without actual visitors.

Advantages of Pay Per Click Ads

The publisher is paid per click once the website visitors click on the ads which are posted on their website or blog. You can have just one single blog or several blogs for placing the ads.

The advertisers look for a legitimate web site where their advertisements will be shown. Because of this, the PPC advertising networks form a platform between the advertisers and publishers so that all are able to do business online.

1. With regard to Publishers: Pay Per Click is a beneficial way of making money because the visitors click the ads searching for information. More traffic results in more money from the ads. Also, the cost per click varies as per the keywords and the website with higher quality content generates a great income for that publisher.

2. With regard to Advertisers: Advertisers constantly need to promote their products on a associated web site to ensure that their products reach worldwide. That results in more sales making more profit for them. The price of the advertising is not that high since the advertisers can easily earn profits when their products are purchased.

3. For Advertising Networks: Advertising networks benefit from their business because they obtain good income from the advertisers.

Moreover, they can earn more from other sorts of advertising with their websites. In short, the advertising networks also have a website that becomes a very important platform for online advertising.

4. For Visitors: Those that click the PPC ads are forwarded to the website where they can buy the genuine products.

Some websites sell excellent products and some websites are only for advertising to achieve popularity. Finally, the visitor benefits after buying the product in the comfort of their home.

Online Business While We Snooze

Altogether, when we see the world of Online marketing, it is completely surviving on the basis of online advertising. No matter what, new websites are being created by the publishers so that the PPC advertising makes a good income for them even while they sleep.

The publishers put the ads on their blogs just once and the advertisers create the adverts only once. Both of them can relax and benefit even when they?re fast asleep.

The online advertising has many benefits; however, it also needs great consistency. A publisher remains constant while developing a blog and the advertiser remains consistent until the profit is made. Overall the benefits of the PPC advertising are amazing for everyone at all levels.

You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.

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BoE's Dale says UK still benefiting from past QE

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US faces surge of new vets seeking disability

America's newest veterans are filing for disability benefits at a historic rate, claiming to be the most medically and mentally troubled generation of former troops in US history. The troubled economy may be a factor.

By Marilynn Marchione,?Associated Press / May 28, 2012

Army Pfc. Kevin Trimble adjusts his upper limb prosthetic for occupational therapy at Brooke Army Medical Center in San Antonio. Pfc. Trimble lost both legs above the knee and an arm from a bomb in Afghanistan.

Lisa Krantz/San Antonio Express-News/AP

Enlarge

America's newest veterans are filing for disability benefits at a historic rate, claiming to be the most medically and mentally troubled generation of former troops the nation has ever seen.

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A staggering 45 percent of the 1.6 million veterans from the wars in Iraq and Afghanistan are now seeking compensation for injuries they say are service-related. That is more than double the estimate of 21 percent who filed such claims after the Gulf War in the early 1990s, top government officials told The Associated Press.

What's more, these new veterans are claiming eight to nine ailments on average, and the most recent ones over the last year are claiming 11 to 14. By comparison, Vietnam veterans are currently receiving compensation for fewer than four, on average, and those from World War II and Korea, just two.

IN PICTURES:?Memorial Day: remembering the fallen

It's unclear how much worse off these new veterans are than their predecessors. Many factors are driving the dramatic increase in claims ? the weak economy, more troops surviving wounds, and more awareness of problems such as concussions and post-traumatic stress disorder (PTSD). Almost one-third have been granted disability so far.

Government officials and some veterans' advocates say that veterans who might have been able to work with certain disabilities may be more inclined to seek benefits now because they lost jobs or can't find any. Aggressive outreach and advocacy efforts also have brought more veterans into the system, which must evaluate each claim to see if it is war-related. Payments range from $127 a month for a 10 percent disability to $2,769 for a full one.

As the U.S. commemorates the more than 6,400 troops who died in post-Sept. 11, 2001 wars, the problems of those who survived also draw attention. These new veterans are seeking a level of help the government did not anticipate, and for which there is no special fund set aside to pay.

The Department of Veterans Affairs is mired in backlogged claims, but "our mission is to take care of whatever the population is," said Allison Hickey, the VA's undersecretary for benefits. "We want them to have what their entitlement is."

The 21 percent who filed claims in previous wars is Hickey's estimate of an average for the 1990-91 Operation Desert Storm and Desert Shield to oust Iraqi troops from Kuwait. The VA has details only on the current disability claims being paid to veterans of each war.

The AP spent three months reviewing records and talking with doctors, government officials and former troops to take stock of the new veterans. They are different in many ways from those who fought before them.

More are from the Reserves and National Guard ? 28 percent of those filing disability claims ? rather than career military. Reserves and National Guard made up a greater percentage of troops in these wars than they did in previous ones. About 31 percent of Guard/Reserve new veterans have filed claims compared to 56 percent of career military ones.

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Report: Redbox Looks to Canada for Expansion

Citizens of the Great White North may soon be getting a Redbox kiosk in their neighborhood. Redbox is reported to be bringing its kiosks to Walmart stores across Canada, and according to a report from The Globe and Mail,?Redbox has signed an agreement with Canadian convenience store operator Alimentation Couche-Tard Inc.

Redbox interim president Gregg Kaplan is enthusiastic about the new expansion:

?Historically, a pretty good rule of thumb, what we?ve seen in other businesses is that Canada can get to roughly 1/10 the size of the U.S. market . . . We?re not projecting that yet because we haven?t had the experience there, but it feels like it could be sizable.?

Redbox?s Canadian pricing will reportedly come in 50-cents higher than U.S. pricing for DVD, Blu-ray and video game rentals.

How well do you think Redbox will fare north of the border?

[via Benzinga]

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Toshiba Laptop offer sale in Chennai Price Rs.23990

Chennai Computers - Hardware

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Facebook's Cheap Wedding Ring

Facebook's Cheap Wedding Ring

Priscilla Chan married into serious money in Mark Zuckerberg?s back garden over the weekend. She seems happy with her husband?s custom designed ruby wedding ring, but Facebook?s owner has been slammed for being cheap.

Grazia Daily reported the ring is estimated to be worth a ?measly? $25, 000. My God, what a pathetic ring that must be. What a poor bride.?

It?s not just the ring being slammed. The couple?s honeymoon, or lack of it, has been questioned. Psychologists have even scrutinized their wedding photo, because it ?lacks emotional intimacy.?

What happened to just being happy? ?

Why do all wedding photos have to be monochrome snaps of newlyweds gazing at each other? Why do rich people need to be married on the Hawaiian island they own? ?Why do the press have to be invited?

Forgive my ignorance. It must be one of those ?unwritten? wedding rules that commoners know nothing about.

Zuckerberg?s probably more concerned with the plummeting price of Facebook shares to be worrying if his wife?s ring finger is feeling left out. Surely the effort he put personally designing the ring is worth more than dollar signs?

Do you think Mark Zuckerberg is being cheap? Would you expect a massive rock on your finger? Is it true that the thought put in is worth more than the money spent?

Image Source 1 2?3

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The long, difficult path to 270 electoral votes (cbsnews)

Share With Friends: | | Politics - Top Stories Stories, RSS and RSS Feed via Feedzilla.

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Report details Tim Cook's changes at Apple, for better or worse

Enlarge / Apple CEO Tim Cook

Chris Foresman

Since taking over for former Apple CEO Steve Jobs last August, newly minted CEO Tim Cook has slowly made a number of changes to how things are done at the company. Whereas Jobs was mercurial, Cook is apparently genteel. Whereas Jobs downplayed labor issues in China, Cook has personally visited factory floors and met with Chinese officials.

Fortune editor Adam Lashinsky, who recently detailed Apple's inner workings in his book Inside Apple, is well suited to note such "subtle but significant changes." In a recently published report for Fortune, Lashinsky makes the case that Cook is leaving an indelible mark on Apple and its corporate culture.

Though Cook is maintaining "most" of Apple's corporate culture, largely implemented by Jobs since he took the helm in 1997, he is reportedly "taking action that Apple sorely needed and employees badly wanted." And while many of the changes seem positive, not everyone is so sure that those changes are necessarily for the better.

Here are a few examples from the report that caught our attention:

• Since taking over at Apple, the company's stock performance has been remarkably similar to its performance at the time Jobs took over in 1997. After three quarters, however, AAPL is up 42 percent, while after Jobs's first three quarters, it had only risen 21 percent. "By any quantitative measure, so far his performance is phenomenal," Bill Shope, a Goldman Sachs research analyst, told Fortune.
• A former vice president at Apple believes the company is becoming more "corporate" and "conservative," noting that the company resembles more of a "conservative execution engine" than an engineering-run organization. "I've been told that any meeting of significance is now always populated by project management and global-supply management," Max Paley, a 14-year Apple veteran who left in 2011, told Fortune. "When I was there, engineering decided what we wanted, and it was the job of product management and supply management to go get it."
• Apple employees are known for their dedication, passion, and long work hours. But the "90 hours a week and loving it" attitude seems to be relaxing under Cook. One former Apple employee described meeting a current engineer for lunch and expecting his former co-worker to rush back to work after eating. Instead, he offered to take time to have a coffee."The outsider's conclusion: 'I think people are breathing now.' It's not necessarily a compliment," Lashinsky wrote.
• Unlike Jobs, who preferred to eat with design chief Jony Ive, Cook reportedly tends to sit down at the Apple corporate cafeteria and eat with various workers. "It is a small difference that speaks volumes about how employees can expect to interact with their CEO," Lashinsky wrote. "Cook clearly is a demanding boss, but he's not scary. He's well-respected, but not worshiped."

The whole report is worth a read, so check it out when you have a chance.

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Freedom Security Bank owner completes Illinois ... - Business 380

Central Bancshares Inc. of Muscatine, corporate parent of Freedom Security Bank in Coralville and Kalona, has completed its purchase of branches of Associated Bank in Galesburg, Ill., through its F&M Bank subsidiary in the western Illinois community.

Under the purchaase agreement, F&M Bank assumed all of the accounts held at Associated Bank?s offices at 50 E. Main St. and 1865 N. Henderson St.?in Galesburg.?The transaction, which included about?$66 million in deposits and $18 million in loans, was approved by regulators and completed on May 18.

Customer accounts were converted to the bank?s data processing system over the weekend of May 19-20. Terms of the transaction were not disclosed.

With the purchase, F&M Bank continues to be the largest community-based bank in the greater Galesburg market, with $280 million in total assets and serves an estimated 10,000 households and businesses in the Galesburg area.

Central Bancshares also is the corporate parent of Central State Bank in Muscatine and Wilton and West Chester Savings Bank in Washington.

Central Bancshares is one of the largest bank holding companies in Eastern Iowa and west central Illinois. It has more than? $725 million in consolidated assets and? operates 12 full-service offices in seven communities.

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So you want to be a Human Resources professional ...

So you want to be a Human Resources professional?

?

Human Resources Management (HRM) is one of the hardest business arenas into which to get established, especially at a management level. So many (predominantly female) have to work their way up through the ranks, including paying dues as a ?grunge level staff member? (e.g., HR clerical assistant). I had to start as a entry-level generalist, even though I had a Master?s Degree in Adult Education with a focus on Training and Development in Human Resources.

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If you are in a military retirement town (like I am, near Norfolk), you are also in competition with many military retirees with degrees in HR (but unfortunately are not really versed or practiced in the commercial world of HR). In the military, those in HR functions perform mostly administrative work. In the corporate-world, HRMs have oversight of benefits, compensation plans, legal compliance, training and development, annual evaluations, communications, and payroll. In the military, the federal government deals with many of these oversight functions versus the military veteran HRM. (This is not to downgrade HRM service members, especially those who have degrees; there is a huge amount of compliance in the private, commercial industry to which they haven?t been exposed as a government employee.)

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Yes ? there are limited opportunities, as I noted above for the competition. You could have an ?in? for getting an HR position a little higher than a clerical job. If you have background and skills in accounting, payroll, recruiting, or training, those should open many doors in companies which need an HR person who also monitors, regulates, and has financial decision-making responsibility in those functions. Another niche would be Social Media, with the capability of unique sourcing skills, which would qualify you for HR-related public relations (company branding as employer of choice) or recruiting and headhunting. Work yourself into a job with those niche qualities and experience, then aim towards parallel or higher positions as a HRM with more mainline tasks in the HR realm.

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Ideas to provide ? foot-in-the-door? experience to add another resume bullet:

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Visit your local Retail Alliance, Chamber of Commerce, and Better Business Bureaus. Create your own ?internship? by offering your services as a Payroll/HR/Recruiter/Social Media Manager. If you can afford to do it for free, do so; otherwise, ask for minimum wage. (DOL law states internships must be paid if intern is predominantly learning about job functions, while unpaid internships must be ?in training? for a larger percentage of time on the job.)

If you can?t find enough interest from those business venues, go to www.MeetUp.com, and look for entrepreneurial business groups. Many of these groups have free membership. Announce your desires to obtain an internship (paid/unpaid) to add HR experience to your resume or to get a job. If members don?t necessarily have a need, they might know someone else. There are some Job Club groups on this site, also.

Look in non-profit organizations, private schools, local government offices who might need an intern for niche skills; work for a few months (length of time related to salary required).

Find a mentor. Obtaining an HR mentor who can meet with you for lunch or let you job-shadow for about a week might be helpful to learning and experience for a resume bullet as well as a recommendation.

Don?t look only in Monster.com or CareerBuilder for jobs. Find other job posting boards. Search LinkedIn groups (job boards, career, and trades) to join discussions in group?s or to review job postings. Answer questions related to HR in the LinkedIn Q&A forum ? see who comments ? then reach out to touch base.

Query in WordPress for job notices or job boards and search out headhunters and recruiters who place folks in jobs of all levels.

Don?t overlook Temp Work Agencies for jobs with HR or that niche experience.

Look for HR or Personnel Management events, Recruiting and Career Search Job Fairs, or even Job Clubs in Facebook and LinkedIn. Attend conferences, conventions, state chapters of SHRM, ASTD, and CEBS to network. Use business card info to continue discussions ?off-line.?

Don?t ask for a job directly from these new contacts, but ask if they know of anyone with a need for an entry-level management HRM or niche specialists that may lead to a HR mid-management level job.

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A 1970 research study by Mark Granovetter demonstrated it?s not your close personal contacts who can network you a job (16.7%), it?s primarily through ?barely know them acquaintances.? The economy still is ?down? for many job searches and the human resources fields are often affected a little harder because some companies feel an HR person is one of the non-revenue positions they can spare. Use these ideas to open doors (and windows) to that Human Resources (or other!) position you are working to break into the field.

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Dawn Boyer can be reached at Dawn.Boyer@me.com and is the owner of D. Boyer Consulting. We ?Optimize Human Assets, SEO Resumes, and Link-You to LinkedIn,? (http://dboyerconsulting.com); providing human resources and business development consulting for small businesses, resume coaching, and train users on LinkedIn social media. Copyright 2012 by Dawn D. Boyer.

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