By: Susan Johnston
For most people, Halloween conjures scary images of witches, goblins, and ghosts. But for many workers, there are other fears lurking in the shadows all year: like the fear of being reprimanded, laid off, or stuck in a dead-end Job. According to Ford R. Myers, president of Career Potential, LLC, and the author of "Get the Job You Want, Even When No One's Hiring," "the American workplace is largely driven by fear. Most bosses use fear as a mechanism to control and drive the employee's activity." - Job
Fear #1: What if I get laid off?
Given the unemployment rate, layoffs are a chillingly real possibility for many workers. However, you can cope with that fear by actively building your network. "Regardless of whether you believe you'll be laid off, you should proactively engage in your professional community," says Michael Woodward, PhD, an executive coach and the author of the "The You Plan." "Belong to your professional association or community organizations. ... The difference between those who stay unemployed and those who are quickly able to get back on their feet is that the latter have strong networks."
Fear #2: If I don't get laid off, but others do, will I be able to handle the added responsibilities?
When companies downsize, often the best employees get "rewarded" with more work. This can cause job-performance anxiety, especially if the new tasks are outside your skill set or if you're afraid of adding another project to your to-do list. In this situation, Woodward suggests reaching out to your boss and coworkers for guidance. "Knowledge helps create certainty," he says. "You could wallow in that stress or you could say, 'I need some clarification on a couple of points.' It's an opportunity to broaden your skill set and to make yourself more valuable in the future."
Fear #3: Will I be underemployed forever?
Often younger workers end up in support roles where they may not feel challenged. More-experienced workers can also wind up in this predicament due to a layoff or workforce re-entry. However, thinking ahead to your next position keeps things in perspective when it feels like you're endlessly folding t-shirts or fetching coffee. "The smart person does not just ... do what the boss tells them and nothing more," says Myers. "They should consistently grow their credentials. Step up for the juicier, more challenging assignments. Show up earlier; leave later." Remember, the old model of your boss or human resources managing your career is no longer applicable. It's up to you to determine your next steps.
Fear #4: What if my boss yells at me again?
A boss who yells or criticizes you in front of others can really damage morale, so Myers advises that people be "very, very careful about the culture that they choose." Another thing, he says, "is to be very proactive and clear with your boss when you first get hired about how you establish the relationship and set the right precedent." If you're already in a job with a toxic boss, you can sometimes manage a situation (and prevent future problems) by discussing it in a calm, nonthreatening manner. "Don't bring it up in public and don't point fingers," Myers advises. "Say to your boss, I have a concern about something that happened. I'm not sure what your motivation was. I may have misunderstood, but this was my perception; I'd like to get your take on it."
Boston-based freelance writer Susan Johnston has covered Career and business topics for The Boston Globe, Hispanic Executive Quarterly, WomenEntrepreneur.com, and other publications.
Showing posts with label Outsourcing. Show all posts
Showing posts with label Outsourcing. Show all posts
Thursday, December 16, 2010
Re New Your Work In 2011
Sometimes, a job--even a pretty good one--can start to feel like it's "going nowhere." But although you may want to advance your career, you may not be in a position to look for a New Job. Maybe you're in an industry where staffing is still tight. Or maybe you just started a new job, and you'd like to put in a few years before moving on. Or maybe you can't take a financial risk right now.
Whatever the case, there are small changes you can make that will boost your Career without giving it a major overhaul. We asked several experts for their tips:
1. Improve relations with your boss.
Your direct supervisor is one of the most important people in your professional life. If that relationship is feeling strained, get back into your boss's good graces by figuring out how to best communicate with him or her, suggests Katherine Reynolds Lewis, a workplace journalist for About.com and the Fiscal Times. "So often, managers have so little time to do the management, so you have to manage up," she says. Ask your supervisor if you can schedule a weekly check-in meeting. Or if your manager is more spontaneous, strike up a conversation and subtly mention your latest accomplishments. "Don't assume that your boss knows when you've done a great Job," urges Lewis.
2. Beat procrastination or lateness.
If you struggle with tardiness or procrastination, then Fearless Career coach Victoria Ashford suggests owning up to the weakness and enlisting coworkers to help you stay accountable. "The biggest hindrance is not having a good support system," she explains. "Tell people, 'This is a problem for me,' and get them to share their techniques." Understanding the consequences can also help. "If you're not there on time, the door gets closed for a meeting," says Ashford, "and the embarrassment of you peeking through the glass reinforces the need to be on time." - Job Vacancy
Whatever the case, there are small changes you can make that will boost your Career without giving it a major overhaul. We asked several experts for their tips:
1. Improve relations with your boss.
Your direct supervisor is one of the most important people in your professional life. If that relationship is feeling strained, get back into your boss's good graces by figuring out how to best communicate with him or her, suggests Katherine Reynolds Lewis, a workplace journalist for About.com and the Fiscal Times. "So often, managers have so little time to do the management, so you have to manage up," she says. Ask your supervisor if you can schedule a weekly check-in meeting. Or if your manager is more spontaneous, strike up a conversation and subtly mention your latest accomplishments. "Don't assume that your boss knows when you've done a great Job," urges Lewis.
2. Beat procrastination or lateness.
If you struggle with tardiness or procrastination, then Fearless Career coach Victoria Ashford suggests owning up to the weakness and enlisting coworkers to help you stay accountable. "The biggest hindrance is not having a good support system," she explains. "Tell people, 'This is a problem for me,' and get them to share their techniques." Understanding the consequences can also help. "If you're not there on time, the door gets closed for a meeting," says Ashford, "and the embarrassment of you peeking through the glass reinforces the need to be on time." - Job Vacancy
5 New Year's Career Resolutions for 2011 !
By: Lydia Dishman
There's just something about opening a calendar for a new year that inspires us to improve our lives. So it's no surprise that New Year's career resolutions often focus on big goals--such as a promotion or a new Job.
And that's why many resolutions get tossed aside by the second week in January, according to Tracy Brisson, founder and CEO of The Opportunities Project. "We get overwhelmed when we realize that outcomes are not always in our control," she explains. But Brisson says that there are plenty of attainable goals--such as adding people to your network or committing to read one business-related book per month--that can add up to Career success.
Sara Sutton Fell, CEO of Flexjobs.com, recommends a mix of easy-to-achieve and lofty goals. She says, "The important part is to choose goals that are directly related to making you more successful in your job."
Here are some other suggestions from the experts:
Hone your elevator pitch.
For Jasmin French, principal of the personal branding firm J. French, it starts with honing your personal brand. French advises doing a simple inventory, "What did you do in 2010 that has transferable value to your employer or potential employer in 2011?" Then, she says, turn that into a succinct (60 seconds or less) pitch on what you are uniquely positioned to do better than anyone else.
French also suggests that you get people to start talking about you by updating your LinkedIn profile with any certifications you've earned or classes you're taking, as well as forwarding relevant articles. "Create your own buzz. It's self-promotion, but it's not shameless."
Brush up on hard skills.
Victoria Ashford, a leadership and career coach at Fearless Leading, suggests heading back to school for additional education, certification, diplomas, or language skills. "Once you have the knowledge and skill, it's yours forever--hard to take away," she notes. "Industries and work environments change, so make sure you're keeping up. Be intentional about your knowledge base and upgrade or update it now."
Solidify your soft skills.
While you're admiring that new diploma hanging on the wall, Ashford cautions that you shouldn't forget about "soft" skills, such as business etiquette, body language, and personal accountability. "Master the arts of introductions, conversation, and establishing professional presence. Ask others to judge your handshake, table manners, and posture," she advises.
A University of Illinois study concluded that 55 percent of the first impression you make is based on your appearance and your body language. And while first impressions are made within the first 30 seconds of meeting someone, it can take up to as many as 21 interactions to undo a bad first impression. French says, "If you want to be known for being detail-oriented, hem your pants, polish your fingernails, or iron that shirt."
Work better with others.
Susan Bender Phelps, a trainer and speaker with Odyssey Mentoring, urges employees to treat everyone they work with as if they are a customer. "Everyone includes your company's management team, your direct supervisor, even your cubicle-mate. Provide knock-your-socks-off service."
Bender Phelps says that one place to start is by sharing credit with your team and with everyone in the organization who contributed to a success. "When you do this consistently, you become the kind of leader people will want to follow, regardless of your title." Likewise, acknowledge people when they do great work, and be specific: "Give evidence that demonstrates you understand their work and the difference it made to the organization."
Approach failure as an opportunity.
"Use every failure or mistake as an opportunity to learn and plan for the future," emphasizes Bender Phelps. She recommends paying attention to what you were trying to accomplish, what you did to make that happen, what went right, and what went wrong. By taking time to consider what went into a failed initiative, you can learn what could have been done better--and in the future, if you're presented with a similar situation or project, you'll know what you should do differently.
There's just something about opening a calendar for a new year that inspires us to improve our lives. So it's no surprise that New Year's career resolutions often focus on big goals--such as a promotion or a new Job.
And that's why many resolutions get tossed aside by the second week in January, according to Tracy Brisson, founder and CEO of The Opportunities Project. "We get overwhelmed when we realize that outcomes are not always in our control," she explains. But Brisson says that there are plenty of attainable goals--such as adding people to your network or committing to read one business-related book per month--that can add up to Career success.
Sara Sutton Fell, CEO of Flexjobs.com, recommends a mix of easy-to-achieve and lofty goals. She says, "The important part is to choose goals that are directly related to making you more successful in your job."
Here are some other suggestions from the experts:
Hone your elevator pitch.
For Jasmin French, principal of the personal branding firm J. French, it starts with honing your personal brand. French advises doing a simple inventory, "What did you do in 2010 that has transferable value to your employer or potential employer in 2011?" Then, she says, turn that into a succinct (60 seconds or less) pitch on what you are uniquely positioned to do better than anyone else.
French also suggests that you get people to start talking about you by updating your LinkedIn profile with any certifications you've earned or classes you're taking, as well as forwarding relevant articles. "Create your own buzz. It's self-promotion, but it's not shameless."
Brush up on hard skills.
Victoria Ashford, a leadership and career coach at Fearless Leading, suggests heading back to school for additional education, certification, diplomas, or language skills. "Once you have the knowledge and skill, it's yours forever--hard to take away," she notes. "Industries and work environments change, so make sure you're keeping up. Be intentional about your knowledge base and upgrade or update it now."
Solidify your soft skills.
While you're admiring that new diploma hanging on the wall, Ashford cautions that you shouldn't forget about "soft" skills, such as business etiquette, body language, and personal accountability. "Master the arts of introductions, conversation, and establishing professional presence. Ask others to judge your handshake, table manners, and posture," she advises.
A University of Illinois study concluded that 55 percent of the first impression you make is based on your appearance and your body language. And while first impressions are made within the first 30 seconds of meeting someone, it can take up to as many as 21 interactions to undo a bad first impression. French says, "If you want to be known for being detail-oriented, hem your pants, polish your fingernails, or iron that shirt."
Work better with others.
Susan Bender Phelps, a trainer and speaker with Odyssey Mentoring, urges employees to treat everyone they work with as if they are a customer. "Everyone includes your company's management team, your direct supervisor, even your cubicle-mate. Provide knock-your-socks-off service."
Bender Phelps says that one place to start is by sharing credit with your team and with everyone in the organization who contributed to a success. "When you do this consistently, you become the kind of leader people will want to follow, regardless of your title." Likewise, acknowledge people when they do great work, and be specific: "Give evidence that demonstrates you understand their work and the difference it made to the organization."
Approach failure as an opportunity.
"Use every failure or mistake as an opportunity to learn and plan for the future," emphasizes Bender Phelps. She recommends paying attention to what you were trying to accomplish, what you did to make that happen, what went right, and what went wrong. By taking time to consider what went into a failed initiative, you can learn what could have been done better--and in the future, if you're presented with a similar situation or project, you'll know what you should do differently.
Friday, November 19, 2010
GM Shares Jump After Record Public Offering
Author: bbc.co.uk
Job Indonesia - Shares closed at $34.19 in New York from a start of $33, although they did reach a high of $35.60 during the day. - Job Vacancy
GM raised $20.1bn through its offering, making it the largest share sale in the US to date.
President Barack Obama said the firm was on track to recover the government money spent on bailing it out.
The amount raised could rise to a world record $23.1bn if underwriters exercise an option to sell more shares.
Surprisingly strong investor demand had allowed the carmaker to lift the price of the shares on offer to $33 from the $26 it had initially hoped for.
GM is returning to the market after a $50bn government bail-out.
The Dow Jones Industrial Average closed up 173 points at 11,183, a rise of 1.6%.
Mr Obama said: "Today, one of the toughest tales of the recession took another big step toward becoming a success story.
"American taxpayers are now positioned to recover more than my administration invested in GM, and that's a good thing."
Canada, which pumped in $10bn and owns 12% of the stock, said it too would seek to recover some of its investment by selling part of its stake.
Different ballpark
The day's trading began on Wall Street when GM chief executive Dan Akerson rang the opening bell on the New York Stock Exchange.
"This is a bit better than people had been projecting. As to a year ago, it's not even in the same ballpark," Ron Bloom, the Treasury official in charge of the GM investment told Reuters.
"A year ago, people said, 'You have no exit, you have no strategy. This company is not fixed'."
The carmaker has raised $20.1bn from the sale of the shares. However, an over-allotment option, which will be settled over the next 30 days, would add $3bn to that figure, taking GM beyond the $22.1bn raised by the Agricultural Bank of China's market launch.
The share sale, known as an initial public offering (IPO), will allow the US government reduce its current 61% stake in the company to as low as 33%.
GM returned to profit this year for the first time since 2004. The company made $5bn during the first nine months of this year.
Scott Painter from the US car comparison site Truecar.com believes the IPO is a sign of how well the economic recovery is going.
"I think GM having a strong IPO and pricing it at the high end of the range certainly speaks well of America and confidence in America, and GM is a really good indicator of everything that we've been through over the last couple of years and how the recovery is working out," he said.
Indonesia Job - Shares in General Motors (GM) have risen 3.6% on the first day of trading following the carmaker's record public share offering.
GM raised $20.1bn through its offering, making it the largest share sale in the US to date.
President Barack Obama said the firm was on track to recover the government money spent on bailing it out.
The amount raised could rise to a world record $23.1bn if underwriters exercise an option to sell more shares.
Surprisingly strong investor demand had allowed the carmaker to lift the price of the shares on offer to $33 from the $26 it had initially hoped for.
GM is returning to the market after a $50bn government bail-out.
The Dow Jones Industrial Average closed up 173 points at 11,183, a rise of 1.6%.
Mr Obama said: "Today, one of the toughest tales of the recession took another big step toward becoming a success story.
"American taxpayers are now positioned to recover more than my administration invested in GM, and that's a good thing."
Canada, which pumped in $10bn and owns 12% of the stock, said it too would seek to recover some of its investment by selling part of its stake.
Different ballpark
The day's trading began on Wall Street when GM chief executive Dan Akerson rang the opening bell on the New York Stock Exchange.
Continue reading the main story
The share offering is more ambitious than anyone expected, and the demand for stock seems overwhelming.
Not bad for a company that almost went bankrupt 18 months ago.
But there's still a long way to go if the taxpayers are to get all their money back. The bailout cost them $50bn.
It's thought the government will have to sell its remaining stock at around $50 a share for several years to recoup its investment.
But the bailout was never only about GM. The Obama administration argued that the entire American car industry, with all its associated businesses, was at stake.
So far, the evidence suggests that something is working.
A general revival does seem to be under way, at least in terms of the profitability and competitiveness of the companies involved.
But the cost has been huge: tens of thousands of workers were laid off, plants closed, familiar brands ditched and auto dealers told to look for other work.
And the bailout itself remains hugely controversial, with the administration's critics still seeing it as an unwarranted intrusion of big government into the free market.
It's clearly in the interests of both GM and the White House for the nickname "Government Motors" to become a thing of the past.
Analysis
This is a very bright start.The share offering is more ambitious than anyone expected, and the demand for stock seems overwhelming.
Not bad for a company that almost went bankrupt 18 months ago.
But there's still a long way to go if the taxpayers are to get all their money back. The bailout cost them $50bn.
It's thought the government will have to sell its remaining stock at around $50 a share for several years to recoup its investment.
But the bailout was never only about GM. The Obama administration argued that the entire American car industry, with all its associated businesses, was at stake.
So far, the evidence suggests that something is working.
A general revival does seem to be under way, at least in terms of the profitability and competitiveness of the companies involved.
But the cost has been huge: tens of thousands of workers were laid off, plants closed, familiar brands ditched and auto dealers told to look for other work.
And the bailout itself remains hugely controversial, with the administration's critics still seeing it as an unwarranted intrusion of big government into the free market.
It's clearly in the interests of both GM and the White House for the nickname "Government Motors" to become a thing of the past.
"There's a lot of work to do, but today is the beginning of the new company," said Mark Reuss, GM's North American president.
Government officials said the company's strong market debut showed they had made the right choice in rescuing the carmaker."This is a bit better than people had been projecting. As to a year ago, it's not even in the same ballpark," Ron Bloom, the Treasury official in charge of the GM investment told Reuters.
"A year ago, people said, 'You have no exit, you have no strategy. This company is not fixed'."
The carmaker has raised $20.1bn from the sale of the shares. However, an over-allotment option, which will be settled over the next 30 days, would add $3bn to that figure, taking GM beyond the $22.1bn raised by the Agricultural Bank of China's market launch.
The share sale, known as an initial public offering (IPO), will allow the US government reduce its current 61% stake in the company to as low as 33%.
GM returned to profit this year for the first time since 2004. The company made $5bn during the first nine months of this year.
Scott Painter from the US car comparison site Truecar.com believes the IPO is a sign of how well the economic recovery is going.
"I think GM having a strong IPO and pricing it at the high end of the range certainly speaks well of America and confidence in America, and GM is a really good indicator of everything that we've been through over the last couple of years and how the recovery is working out," he said.
Why 'Yes' is so hard for the Irish
Author: bbc.co.uk
Job Indonesia - In a radio interview, the Governor of the Bank of Ireland Patrick Honohan confirmed what most people expected - that some kind of bail-out for Ireland seems to be on the way. They may dress it up as a loan for the banks but it will involve tens of billions of euros. Up until the governor's comments, the Irish government was sticking to its line that it did not need rescuing. - Job Vacancy
Lowongan Kerja - And indeed even after the governor had spoken, Irish Finance Minister Brian Lenihan said that his country was not yet at the point of taking a substantial international loan.
Europe's crisis managers, who have been a busy bunch this year, had not envisaged a situation where a country did not want to be bailed out. Quite the opposite. In setting up various rescue mechanisms they feared the profligate, or those who ran up bad debts, would beat a path to their door.
So when last weekend various officials - some close to the European Central Bank - began briefing that it was only a matter of time before Ireland was bailed out, they did not expect such stout resistance from Dublin.
So why did Ireland try and hold out?
The Irish government is fragile. It faces a difficult by-election. Its hold on power is slight. A bail-out, however dressed up, is a humiliation. It is a judgment on the way the government has run the country.
There is a stigma to being rescued. The image of the Celtic Tiger has long disappeared but the Irish still cherish the memory. For some years they had the fastest-growing country in Europe. To be bailed out would wound Irish pride.
Then there are conditions. One of the reasons that Ireland did so well was inward investment - particularly from the US. Large multinational companies were attracted to Ireland by a corporate tax rate of 12.5%. Others in Europe - including the French and Germans - dislike the tax. They believe it gives Ireland an unfair advantage.
Many government officials in Ireland fear that one condition of a rescue would be to give up their low corporate tax rate. A few days ago, Ireland's Europe Minister, Dick Roche, bridled at the very suggestion. "We are in charge of our own taxes," he said. We shall see what the terms of any loan are.
Then there is the not-so-little matter of sovereignty. Already Irish commentators have focused on the EU Economics Commissioner, Ollie Rehn. When they were not reporting on his visit to an expensive restaurant, they asked: "Is he the most important man in Ireland?" Is this unelected official essentially running the country, was the tone of some of the comment.
There are stirrings of unease here at what Ireland may be giving away. When it was announced that a team of experts from the EU, the IMF and the ECB were coming to Dublin, the opposition leader referred to them as "officials arriving to dictate terms of a bail-out to the government".
Ireland for a long period was enthusiastically European. Many smart people headed to Brussels. They embraced the European identity as a way of distancing themselves from their neighbour Britain. They took great satisfaction in seeing Irish companies buying up big hotels in London.
So there is foreboding as to what a bail-out would signify. One Irish commentator wrote today: "Having obtained our political independence from Britain to be the masters of our own affairs, we have now surrendered our sovereignty to the European Commission."
Brian Lenihan has defended the increasing influence of the officials from Brussels with references to European solidarity. "We share our sovereignty with Europe in relation to currency," he said. "We pool our sovereignty in this area, so if you're pooling your sovereignty, you have to act with your partners in whatever steps you take." Yesterday he spoke of a "very supportive reaction from the wider European family".
What the Irish government is hoping for - if the Bank governor is right - is a narrow deal to restore the liquidity of its banks so they can borrow more easily. That would be less of a humiliation.
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It should not be forgotten that when Irish voters were first given a say on what became the Lisbon Treaty they voted "No". Irish independence is both young and keenly felt.
So if the country is forced to accept a full bail-out, questions will be asked about the future. Will Ireland ever regain control over its budget and its economy?
And that is a question being asked not just on the streets of Dublin but in Athens, Lisbon and Madrid.
Ian Martin, writing in the Wall Street Journal observed: "A new model of government without direct accountability to voters is being constructed."
That, of course, is the long-term implication of this crisis. Presuming that the eurozone does not fracture, its flaws are being used to give the European Commission much greater powers of scrutiny and economic management. And this may go further. While everyone focuses on Ireland, Greece and Portugal, the gap between these economies and Germany only widens. The price of saving the euro may be that the stronger countries bail out the weaker - precisely what German voters were told would never happen.
The "ever closer union" that some dream of may be delivered on the back of a battered currency.
Job Indonesia - In a radio interview, the Governor of the Bank of Ireland Patrick Honohan confirmed what most people expected - that some kind of bail-out for Ireland seems to be on the way. They may dress it up as a loan for the banks but it will involve tens of billions of euros. Up until the governor's comments, the Irish government was sticking to its line that it did not need rescuing. - Job Vacancy
Lowongan Kerja - And indeed even after the governor had spoken, Irish Finance Minister Brian Lenihan said that his country was not yet at the point of taking a substantial international loan.
Europe's crisis managers, who have been a busy bunch this year, had not envisaged a situation where a country did not want to be bailed out. Quite the opposite. In setting up various rescue mechanisms they feared the profligate, or those who ran up bad debts, would beat a path to their door.
So when last weekend various officials - some close to the European Central Bank - began briefing that it was only a matter of time before Ireland was bailed out, they did not expect such stout resistance from Dublin.
So why did Ireland try and hold out?
The Irish government is fragile. It faces a difficult by-election. Its hold on power is slight. A bail-out, however dressed up, is a humiliation. It is a judgment on the way the government has run the country.
There is a stigma to being rescued. The image of the Celtic Tiger has long disappeared but the Irish still cherish the memory. For some years they had the fastest-growing country in Europe. To be bailed out would wound Irish pride.
Then there are conditions. One of the reasons that Ireland did so well was inward investment - particularly from the US. Large multinational companies were attracted to Ireland by a corporate tax rate of 12.5%. Others in Europe - including the French and Germans - dislike the tax. They believe it gives Ireland an unfair advantage.
Many government officials in Ireland fear that one condition of a rescue would be to give up their low corporate tax rate. A few days ago, Ireland's Europe Minister, Dick Roche, bridled at the very suggestion. "We are in charge of our own taxes," he said. We shall see what the terms of any loan are.
There are stirrings of unease here at what Ireland may be giving away. When it was announced that a team of experts from the EU, the IMF and the ECB were coming to Dublin, the opposition leader referred to them as "officials arriving to dictate terms of a bail-out to the government".
Ireland for a long period was enthusiastically European. Many smart people headed to Brussels. They embraced the European identity as a way of distancing themselves from their neighbour Britain. They took great satisfaction in seeing Irish companies buying up big hotels in London.
So there is foreboding as to what a bail-out would signify. One Irish commentator wrote today: "Having obtained our political independence from Britain to be the masters of our own affairs, we have now surrendered our sovereignty to the European Commission."
Brian Lenihan has defended the increasing influence of the officials from Brussels with references to European solidarity. "We share our sovereignty with Europe in relation to currency," he said. "We pool our sovereignty in this area, so if you're pooling your sovereignty, you have to act with your partners in whatever steps you take." Yesterday he spoke of a "very supportive reaction from the wider European family".
What the Irish government is hoping for - if the Bank governor is right - is a narrow deal to restore the liquidity of its banks so they can borrow more easily. That would be less of a humiliation.
So if the country is forced to accept a full bail-out, questions will be asked about the future. Will Ireland ever regain control over its budget and its economy?
And that is a question being asked not just on the streets of Dublin but in Athens, Lisbon and Madrid.
Ian Martin, writing in the Wall Street Journal observed: "A new model of government without direct accountability to voters is being constructed."
That, of course, is the long-term implication of this crisis. Presuming that the eurozone does not fracture, its flaws are being used to give the European Commission much greater powers of scrutiny and economic management. And this may go further. While everyone focuses on Ireland, Greece and Portugal, the gap between these economies and Germany only widens. The price of saving the euro may be that the stronger countries bail out the weaker - precisely what German voters were told would never happen.
The "ever closer union" that some dream of may be delivered on the back of a battered currency.
Jet Lag Bisa Bikin Bodoh !!!
Author: yahoo.com
Lowongan Kerja - Apakah Anda sering bepergian dan terbang melewati zona waktu yang berbeda, terus merasa sulit berpikir normal? Ataukah Anda merasa saudara atau teman yang baru balik dari luar negeri agak tidak nyambung kalau diajak ngobrol? Sebuah penelitian membuktikan, ternyata jet lag bisa menimbulkan efek tak bagus terhadap kecerdasan dan daya ingat. - Job Vacancy
Job Indonesia - Sebuah studi yang dipresentasikan di pertemuan tahunan Society for Neuroscience Senin lalu menemukan, hamster percobaan yang mengalami jet-lag yang ekstrim dan kronis ternyata memiliki kemampuan belajar yabng merosot dan memori yang rendah.
Tidak hanya terhadap kecerdasan, menurut Erin Gibson, peneliti dari Universitas California, Berkeley, jet-lag juga merupakan ancaman yang serius terhadap kesehatan. Studi ini menunjukkan bahwa orang yang jenis pekerjaannya mengharuskan dia kerap mengubah pola tidurnya memiliki potensi yang tinggi mengidap penyakit-penyakit kardiovaskular, diabetes dan kanker.
Gibson dan koleganya membuat jadwal tertentu buat hamster percobaan ini dengan cara memajukan jadwal siang dan malam buat hewan ini selama enam jam setiap tiga hari dalam periode hampir satu bulan. “Tak ubahnya naik penerbangan dari New York ke Paris setiap tiga hari,” ujarnya seperti dikutip Wired.com. Jumlah total tidur sang hamster sejatinya tidak berubah, tapi jam-jam bangun dan tidur betul-betul berubah.
Jadi kalau Anda sering-sering bepergian jauh naik pesawat, jangan lupa sering-sering baca buku supaya tetap pintar dan tidak pelupa (pikun)..
Lowongan Kerja - Apakah Anda sering bepergian dan terbang melewati zona waktu yang berbeda, terus merasa sulit berpikir normal? Ataukah Anda merasa saudara atau teman yang baru balik dari luar negeri agak tidak nyambung kalau diajak ngobrol? Sebuah penelitian membuktikan, ternyata jet lag bisa menimbulkan efek tak bagus terhadap kecerdasan dan daya ingat. - Job Vacancy
Job Indonesia - Sebuah studi yang dipresentasikan di pertemuan tahunan Society for Neuroscience Senin lalu menemukan, hamster percobaan yang mengalami jet-lag yang ekstrim dan kronis ternyata memiliki kemampuan belajar yabng merosot dan memori yang rendah.
Tidak hanya terhadap kecerdasan, menurut Erin Gibson, peneliti dari Universitas California, Berkeley, jet-lag juga merupakan ancaman yang serius terhadap kesehatan. Studi ini menunjukkan bahwa orang yang jenis pekerjaannya mengharuskan dia kerap mengubah pola tidurnya memiliki potensi yang tinggi mengidap penyakit-penyakit kardiovaskular, diabetes dan kanker.
Gibson dan koleganya membuat jadwal tertentu buat hamster percobaan ini dengan cara memajukan jadwal siang dan malam buat hewan ini selama enam jam setiap tiga hari dalam periode hampir satu bulan. “Tak ubahnya naik penerbangan dari New York ke Paris setiap tiga hari,” ujarnya seperti dikutip Wired.com. Jumlah total tidur sang hamster sejatinya tidak berubah, tapi jam-jam bangun dan tidur betul-betul berubah.
Jadi kalau Anda sering-sering bepergian jauh naik pesawat, jangan lupa sering-sering baca buku supaya tetap pintar dan tidak pelupa (pikun)..
Ziarah ke Makam Private Harry Potter
Author: yahoo.com - Job Vacancy
Lowongan Kerja - Sebuah pemakaman di Israel kedatangan rombongan penggemar Harry Potter, yang datang untuk berziarah makam seorang yang juga bernama Harry Potter. - Job Indonesia
Prajurit Harry Potter dulunya adalah seorang tentara Kerajaan Inggris yang tewas di sebuah pertempuran pada 1939. Saat itu ia berumur 18 tahun, tapi di makamnya ditulis 19 tahun, sebab ia mengaku 1 tahun lebih tua saat mendaftar masuk ketentaraan.
Kata seorang pemandu wisata di kota Ramle, tak ada hubungan antara prajurit Harry Potter dengan tokoh karangan JK Rowling. “Tapi nama itu memang laku dijual,” ujarnya, seperti dilansir Yahoo! Movies UK & Ireland.
Ziarah para fans ke makam itu dimulai sejak lima tahun lalu, dan makam itu makin populer setelah dicantumkan di sebuah situs daring (online) pariwisata. “Kalau tak dibilang Harry Potter dimakamkan di sini, tak adalah yang bakal ke sini,” kata warga Tel Aviv, Josef Peretz.
Lowongan Kerja - Sebuah pemakaman di Israel kedatangan rombongan penggemar Harry Potter, yang datang untuk berziarah makam seorang yang juga bernama Harry Potter. - Job Indonesia
Prajurit Harry Potter dulunya adalah seorang tentara Kerajaan Inggris yang tewas di sebuah pertempuran pada 1939. Saat itu ia berumur 18 tahun, tapi di makamnya ditulis 19 tahun, sebab ia mengaku 1 tahun lebih tua saat mendaftar masuk ketentaraan.
Kata seorang pemandu wisata di kota Ramle, tak ada hubungan antara prajurit Harry Potter dengan tokoh karangan JK Rowling. “Tapi nama itu memang laku dijual,” ujarnya, seperti dilansir Yahoo! Movies UK & Ireland.
Ziarah para fans ke makam itu dimulai sejak lima tahun lalu, dan makam itu makin populer setelah dicantumkan di sebuah situs daring (online) pariwisata. “Kalau tak dibilang Harry Potter dimakamkan di sini, tak adalah yang bakal ke sini,” kata warga Tel Aviv, Josef Peretz.
Stress, Arumi Minta Bantuan KPAI !!!
Author: kapanlagi.com
Job Indonesia - Artis cantik Arumi Bachsin memilih untuk kabur ketika dirinya akan dijodohkan. Sampai akhirnya, bintang Film 18+ itu meminta bantuan Komisi Perlindungan Anak Indonesia (KPAI) setelah dirinya pulang dari berlibur di Singapura. - Job Vacancy
Lowongan Kerja - "Jadi saat dia pulang ke Jakarta, Arumi berusaha untuk menghindar. Soalnya kan pas di Singapura dia dibantu Miller, kalau di Jakarta dia bingung. Dia pun mencari jalan, dan kira-kira jam 8 malam Arumi menyuruh si lelaki itu membeli sesuatu. Nah, begitu si lelaki itu pergi, Arumi mencoba untuk kabur diam-diam dan pergi ke KPAI," ujar ketua KPAI, Hadi Supeno saat dihubungi wartawan, Kamis (18/11) malam.
Sampai saat ini, Arumi pun berada di bawah lindungan KPAI. Hadi mengakui jika Arumi berada di tempat yang dirahasiakannya. Ini untuk mencegah agar kasus ini tidak melebar dan semakin ruwet.
"KPAI memberikan perlindungan dan membawa ke tempat rahasia. Saat kabur aja dia menyamar pakai jaket, kacamata hitam karena takut. Dia diikuti terus sama teman-teman pria itu," ujar Hadi.
"Kondisi Arumi kasihan sekali, sambil nangis. Dengan keadaan tertekan sekali. Saat ini Arumi berada di tempat yang dirahasiakan di Jakarta," tambahnya.
Job Indonesia - Artis cantik Arumi Bachsin memilih untuk kabur ketika dirinya akan dijodohkan. Sampai akhirnya, bintang Film 18+ itu meminta bantuan Komisi Perlindungan Anak Indonesia (KPAI) setelah dirinya pulang dari berlibur di Singapura. - Job Vacancy
Lowongan Kerja - "Jadi saat dia pulang ke Jakarta, Arumi berusaha untuk menghindar. Soalnya kan pas di Singapura dia dibantu Miller, kalau di Jakarta dia bingung. Dia pun mencari jalan, dan kira-kira jam 8 malam Arumi menyuruh si lelaki itu membeli sesuatu. Nah, begitu si lelaki itu pergi, Arumi mencoba untuk kabur diam-diam dan pergi ke KPAI," ujar ketua KPAI, Hadi Supeno saat dihubungi wartawan, Kamis (18/11) malam.
Sampai saat ini, Arumi pun berada di bawah lindungan KPAI. Hadi mengakui jika Arumi berada di tempat yang dirahasiakannya. Ini untuk mencegah agar kasus ini tidak melebar dan semakin ruwet.
"KPAI memberikan perlindungan dan membawa ke tempat rahasia. Saat kabur aja dia menyamar pakai jaket, kacamata hitam karena takut. Dia diikuti terus sama teman-teman pria itu," ujar Hadi.
"Kondisi Arumi kasihan sekali, sambil nangis. Dengan keadaan tertekan sekali. Saat ini Arumi berada di tempat yang dirahasiakan di Jakarta," tambahnya.
Monday, November 15, 2010
Kurangi Ratusan Kalori Tanpa Diet
KapanLagi.com - Lowongan Kerja - Kerap kali kita mengalami kendala menurunkan berat badan karena susah disiplin dalam diet. Tapi sebenarnya ada cara yang tak perlu membuat Anda menderita dengan melakukan diet ketat. Cukup gunakan tips berikut ini dan Anda akan dapat mengurangi beberapa kilo dari berat badan. - Job Indonesia
1. Nikmati Sarapan Pagi. Lakukan sarapan sepagi mungkin setelah Anda bangun dan dengan cara ini selera makan atau keinginan ngemil akan berkurang sepanjang hari. Rutin sarapan tepat pukul 07.30 pagi setiap hari dapat menurunkan sekitar 100 kalori dalam beberapa hari. Saat Anda bangun dan beberapa jam kemudian sarapan, cara ini akan meninggalkan rasa kenyang yang awet. - Job Vacancy
2. Menu Berprotein di Pagi Hari. Kalau biasanya Anda menghabiskan beberapa mangkuk sereal di pagi hari, pikirkan cara ini: makanan kaya protein memiliki daya bunuh rasa lapar saat kita menyantapnya di waktu sarapan. Protein merupakan nutrisi terbaik untuk membuat kenyang. Dan saat Anda sarapan makanan kaya protein di pagi hari, sepanjang hari rasa kenyangnya akan bertahan. Makanan kaya protein antara lain terdapat pada: telur, daging ayam, susu, tahu dan kacang-kacangan.
3. Makan Siang Dengan Seafood. Protein berkemampuan mencegah rasa lapar lebih dari nutrisi lainnya, sedang ikan berkemampuan mengurangi rasa lapar setelah protein. Orang-orang yang makan siang dengan menu seafood, 11% mengurangi makan malamnya. Para peneliti menduga kandungan amino acid di dalam ikan meningkatkan kekuatan hormon penghenti selera makan yang disebut leptin. Jadi santap lah seafood yang rendah lemak di saat makan siang.
4. Ganti Dengan Teh. Penggemar teh yang minum empat cangkir teh hitam setiap hari, diketahui mengalami penurunan hormon pemicu stres yang bernama corisol 20%. Teh dapat membantu membakar kalori sebanyak 266 kalori per hari.
5. Kunyah Sebanyak 15 Kali. Mengunyah lebih lama bisa jadi strategi untuk memperlambat proses makan, dengan cara ini memberi kesempatan pada otak untuk merasakan kenikmatan, sehingga secara otomatis kita dapat mengurangi 10% kalori dari yang kita makan.
1. Nikmati Sarapan Pagi. Lakukan sarapan sepagi mungkin setelah Anda bangun dan dengan cara ini selera makan atau keinginan ngemil akan berkurang sepanjang hari. Rutin sarapan tepat pukul 07.30 pagi setiap hari dapat menurunkan sekitar 100 kalori dalam beberapa hari. Saat Anda bangun dan beberapa jam kemudian sarapan, cara ini akan meninggalkan rasa kenyang yang awet. - Job Vacancy
2. Menu Berprotein di Pagi Hari. Kalau biasanya Anda menghabiskan beberapa mangkuk sereal di pagi hari, pikirkan cara ini: makanan kaya protein memiliki daya bunuh rasa lapar saat kita menyantapnya di waktu sarapan. Protein merupakan nutrisi terbaik untuk membuat kenyang. Dan saat Anda sarapan makanan kaya protein di pagi hari, sepanjang hari rasa kenyangnya akan bertahan. Makanan kaya protein antara lain terdapat pada: telur, daging ayam, susu, tahu dan kacang-kacangan.
3. Makan Siang Dengan Seafood. Protein berkemampuan mencegah rasa lapar lebih dari nutrisi lainnya, sedang ikan berkemampuan mengurangi rasa lapar setelah protein. Orang-orang yang makan siang dengan menu seafood, 11% mengurangi makan malamnya. Para peneliti menduga kandungan amino acid di dalam ikan meningkatkan kekuatan hormon penghenti selera makan yang disebut leptin. Jadi santap lah seafood yang rendah lemak di saat makan siang.
4. Ganti Dengan Teh. Penggemar teh yang minum empat cangkir teh hitam setiap hari, diketahui mengalami penurunan hormon pemicu stres yang bernama corisol 20%. Teh dapat membantu membakar kalori sebanyak 266 kalori per hari.
5. Kunyah Sebanyak 15 Kali. Mengunyah lebih lama bisa jadi strategi untuk memperlambat proses makan, dengan cara ini memberi kesempatan pada otak untuk merasakan kenikmatan, sehingga secara otomatis kita dapat mengurangi 10% kalori dari yang kita makan.
Wednesday, November 10, 2010
How To Stick To The Budget
Author: George Battles
Job Vacancy - Being assigned to do the grocery is nerve-wracking. It is not easy. Sure it is easy to pick up the foods you want but it is hard if you are on a budget. You will need a grocery list organizer to help you out. It will keep you informed as to what items you still have in your kitchen and your home. - Indonesia Job
Sticking to the budget is hard especially if the given budget is not as big as you expect it to be. Times like this, you need to cut back on your spending. That is why you need to have a budget. If you are unaware as to how much you'll spend, you'll end up spending too much. Stick to a limit and be sure your budget is reasonable. Try to come up with a limit that is enough to buy foods to sustain you for 2 weeks.
A good money saver tip is to cut back on your meat consumption. Meat is priced a bit higher compared to vegetables. Try to make some dishes wherein meat is not the main ingredient. You could cook something Italian with less or no meat at all. Vegetables are good alternatives for meat. There's also gluten if you want.
Sale items are good deals. If you have some coupons, you can use it and you can even have discounts. If the item is on sale, you might want to buy in bulks. Only buy in bulks if you usually use it. Buy a dozen of the sale item. Also, you might want to do the grocery when your kids are in school. If you bring your kids along in the store, they will pester you until they get the junks that they want. They'll also pick up the foods which they want to eat at home. - Lowongan Kerja
Sticking to the budget is hard especially if the given budget is not as big as you expect it to be. Times like this, you need to cut back on your spending. That is why you need to have a budget. If you are unaware as to how much you'll spend, you'll end up spending too much. Stick to a limit and be sure your budget is reasonable. Try to come up with a limit that is enough to buy foods to sustain you for 2 weeks.
A good money saver tip is to cut back on your meat consumption. Meat is priced a bit higher compared to vegetables. Try to make some dishes wherein meat is not the main ingredient. You could cook something Italian with less or no meat at all. Vegetables are good alternatives for meat. There's also gluten if you want.
Sale items are good deals. If you have some coupons, you can use it and you can even have discounts. If the item is on sale, you might want to buy in bulks. Only buy in bulks if you usually use it. Buy a dozen of the sale item. Also, you might want to do the grocery when your kids are in school. If you bring your kids along in the store, they will pester you until they get the junks that they want. They'll also pick up the foods which they want to eat at home. - Lowongan Kerja
Household Budgeting With a Scalpel
Author: Judy Juricek
Indonesia Job - Long before the current downturn in the economy, I was a frugal person who enjoyed doing household budgeting. I used coupons, drove as little as possible to save money on gas (even when gas was inexpensive), and took my lunch to work. Even being a frugal person, I found myself buying a lot more stuff than I needed, though. When I looked around our house which is large for two people, I saw a lot of things that were simply collecting dust that we didn't use. At that moment, I realized that my husband and I could do a lot better at saving money. After this realization, we got to work using a scalpel to carve out more savings and less spending and this is what we did to save on our monthly budget. - Job Vacancy.
First, we wrote down every bill that we had for the month and asked ourselves if we really needed to spend money on this item or service. We also spent time that month writing down every small purchase that we made in a notebook to chart just how much money was being spent in small increments for items like coffee, newspapers, or lunch. We reviewed the list and found lots of items or services that we could live without.
Cable television - We decided that we didn't watch enough television to justify spending $75 per month for cable television. Instead, we use an inexpensive service that delivers videos via the mail service two or three at a time. We get our news and weather from the internet and received most of the series that we liked on CD.
Cell phone - We were paying approximately $90 for 700 minutes from a well known cell phone service provider. I found a much lower cost and better plan provider from a pay-as-you-go service that uses a network from a large, well-known provider. We now have unlimited minutes and internet access for $15 less per month. We are saving money, getting more services, and we aren't locked into a contract.
Carpooling - My husband and I worked fifteen minutes away from each other. We bit the bullet and decided that the extra 30 minutes of commute time per day was worth it to save money on gas and car maintenance. An added benefit was having someone to converse with on the trip instead of simply listening to the radio.
Eating out at restaurants - We used to eat in a restaurant where the bill averaged between $25 and $40 once or twice a week. While we enjoyed this practice, we realized that we were spending an extra $1800 per year (average $35 x 2 x 52). We limited ourselves to eating out once per month which did save a lot and reduced our waistlines as well.
Buying in bulk - Being a frugal person, I was never very good at buying in bulk because I simply didn't want to spend that much money on groceries (which is probably why we spent so much money eating out!). I realized that I was costing us money by not stocking up on sale items that we really use. I bought a membership to a wholesale club and go once a month. While I spend a lot in one shop, I also save money because I am buying things usually on sale in large quantities. I also save time because I only have to go to the conventional grocery store for items that go out of date like bread, eggs, and salad. We also now
make a concerted effort to eat all of the food that I fix which also saves money and reduces the waste from our home.
Using coupons wisely - I was the worlds worst about using a coupon to get something at a very low cost or free but that we would not use. So, I stopped doing that because I realized that I wasn't really saving money, I was just cluttering up the house.
Limited my shopping - For many years, I have been a thrift store shopper. This is a great way of buying great clothes at inexpensive prices for the entire family. It becomes a problem, though, when you buy a lot of clothes that you don't need. I found that I was going twice or three times per month to my favorite thrift store spending between $30 and $50. I realized that I while I enjoyed shopping; I really didn't NEED all of those clothes. I now limit myself to a thrift store trip once per month and my spending limit is $20. I have less clutter in my closet and we save money.
Revisit our Vacation - We used to take a pretty lavish vacation for ten days per year. We would fly somewhere, rent a car, and stay in a nice hotel (not extravagant but nice nevertheless). We would also treat ourselves to nights out and dinner plus drinks. All of that added up fast! Now, we drive to the beach that is about four hours from our home, stay in a nice but moderately priced condo, and eat in. In fact, cooking on vacation is much less expensive and I have control over how the food is cooked. We also save money by taking in all of the free things that are available (museums, parks, the beach). We still have a wonderful time but have cut the cost of our vacation by about 50 percent.
After a few months of whittling down our budget, we save about $400 per month or $3600 per year which has given us much more financial freedom and peace of mind but we haven't missed anything that we cut out. If you are struggling to save money, I would recommend using a virtual scalpel to cut your budget as well. You can cut out unneeded purchases and watch your savings account grow!
Judy Juricek is the President of Attract Your Ideal Retirement, Inc. and her passion is helping women in their 40's, 50's, and 60's to plan for, attract, and live their ideal lives in retirement. Judy believes that everyone can replicate the success that they had in their careers by crafting their ideal lives in retirement. - Lowongan Kerja
First, we wrote down every bill that we had for the month and asked ourselves if we really needed to spend money on this item or service. We also spent time that month writing down every small purchase that we made in a notebook to chart just how much money was being spent in small increments for items like coffee, newspapers, or lunch. We reviewed the list and found lots of items or services that we could live without.
Cable television - We decided that we didn't watch enough television to justify spending $75 per month for cable television. Instead, we use an inexpensive service that delivers videos via the mail service two or three at a time. We get our news and weather from the internet and received most of the series that we liked on CD.
Cell phone - We were paying approximately $90 for 700 minutes from a well known cell phone service provider. I found a much lower cost and better plan provider from a pay-as-you-go service that uses a network from a large, well-known provider. We now have unlimited minutes and internet access for $15 less per month. We are saving money, getting more services, and we aren't locked into a contract.
Carpooling - My husband and I worked fifteen minutes away from each other. We bit the bullet and decided that the extra 30 minutes of commute time per day was worth it to save money on gas and car maintenance. An added benefit was having someone to converse with on the trip instead of simply listening to the radio.
Eating out at restaurants - We used to eat in a restaurant where the bill averaged between $25 and $40 once or twice a week. While we enjoyed this practice, we realized that we were spending an extra $1800 per year (average $35 x 2 x 52). We limited ourselves to eating out once per month which did save a lot and reduced our waistlines as well.
Buying in bulk - Being a frugal person, I was never very good at buying in bulk because I simply didn't want to spend that much money on groceries (which is probably why we spent so much money eating out!). I realized that I was costing us money by not stocking up on sale items that we really use. I bought a membership to a wholesale club and go once a month. While I spend a lot in one shop, I also save money because I am buying things usually on sale in large quantities. I also save time because I only have to go to the conventional grocery store for items that go out of date like bread, eggs, and salad. We also now
make a concerted effort to eat all of the food that I fix which also saves money and reduces the waste from our home.
Using coupons wisely - I was the worlds worst about using a coupon to get something at a very low cost or free but that we would not use. So, I stopped doing that because I realized that I wasn't really saving money, I was just cluttering up the house.
Limited my shopping - For many years, I have been a thrift store shopper. This is a great way of buying great clothes at inexpensive prices for the entire family. It becomes a problem, though, when you buy a lot of clothes that you don't need. I found that I was going twice or three times per month to my favorite thrift store spending between $30 and $50. I realized that I while I enjoyed shopping; I really didn't NEED all of those clothes. I now limit myself to a thrift store trip once per month and my spending limit is $20. I have less clutter in my closet and we save money.
Revisit our Vacation - We used to take a pretty lavish vacation for ten days per year. We would fly somewhere, rent a car, and stay in a nice hotel (not extravagant but nice nevertheless). We would also treat ourselves to nights out and dinner plus drinks. All of that added up fast! Now, we drive to the beach that is about four hours from our home, stay in a nice but moderately priced condo, and eat in. In fact, cooking on vacation is much less expensive and I have control over how the food is cooked. We also save money by taking in all of the free things that are available (museums, parks, the beach). We still have a wonderful time but have cut the cost of our vacation by about 50 percent.
After a few months of whittling down our budget, we save about $400 per month or $3600 per year which has given us much more financial freedom and peace of mind but we haven't missed anything that we cut out. If you are struggling to save money, I would recommend using a virtual scalpel to cut your budget as well. You can cut out unneeded purchases and watch your savings account grow!
Budgets and Business Building
Author: Robert Wayne Harris
Job Vacancy - A budget is critical to building a business. Business owners will tell you that bankers and lenders need a budget. Bankers insist on it, investors want it and business partners won't back the new business owner without it. - Job Indonesia
It makes perfectly good sense since the operation of a start-up business has no track record to draw from to show performance or profit. The risks involved are enormous and the statistics for failure is high. Over 80% of all businesses fail in the first 5 years. Those statistics scare most investors away and bankers carefully examine these risks.
The mistake new business owners most often make is failing to plan for failure or slow months when little or no money is available to pay their bills. This results in financial trouble almost before they complete their first year. Depending on their chosen business venture and their start-up time, a retailer for example will rely heavily on Christmas and other celebratory times of the year to move a substantial amount of inventory. When sales drop, the financial fallout can close the business down if not properly funded.
Proper budgeting and funding is relied upon in these instances to carry the business through. This is why banks and financial partners are careful in financing new businesses and especially new inexperienced business owners. The failure rate is high and no one wants to be burdened with a failed business and accompanying expenses.
Proper funding and budgeting is mandatory to the success of any business...especially when your inexperienced. Proper funding minimizes your worries and maximizes your potential for success. - Lowongan Kerja
It makes perfectly good sense since the operation of a start-up business has no track record to draw from to show performance or profit. The risks involved are enormous and the statistics for failure is high. Over 80% of all businesses fail in the first 5 years. Those statistics scare most investors away and bankers carefully examine these risks.
The mistake new business owners most often make is failing to plan for failure or slow months when little or no money is available to pay their bills. This results in financial trouble almost before they complete their first year. Depending on their chosen business venture and their start-up time, a retailer for example will rely heavily on Christmas and other celebratory times of the year to move a substantial amount of inventory. When sales drop, the financial fallout can close the business down if not properly funded.
Proper budgeting and funding is relied upon in these instances to carry the business through. This is why banks and financial partners are careful in financing new businesses and especially new inexperienced business owners. The failure rate is high and no one wants to be burdened with a failed business and accompanying expenses.
Proper funding and budgeting is mandatory to the success of any business...especially when your inexperienced. Proper funding minimizes your worries and maximizes your potential for success. - Lowongan Kerja
Best Way to Save Money
Author: Andrew Kwon
Job Indonesia - There are many tips on how to save money, thing is a lot of people do not implement it. Everything in life is implementing what you have learned, think of school as an example. Have you gone to high school? College? What did you learn from it. Work Ethic, that is why you are working because school prepares you for it. Best ways to save money comes from your mind. Don't let your emotions control you and buy whatever you want, like you've been doing. You should be saving for your family or relatives, think about others too. - Job Vacancy
I'll give you one tip on saving money. It's up to you on whether you are going to use it or not. Get a notebook, jot down everything single little detail of your day. Not a diary, get your shopping list. See and observe what you buy. Maybe it's things that you will never ever need. You can open your eyes on what you are buying. Junk, most things people buy are junk. Don't waste your money on those things, you might be saving tons of money once you see your list. - Lowongan Kerja
Job Indonesia - There are many tips on how to save money, thing is a lot of people do not implement it. Everything in life is implementing what you have learned, think of school as an example. Have you gone to high school? College? What did you learn from it. Work Ethic, that is why you are working because school prepares you for it. Best ways to save money comes from your mind. Don't let your emotions control you and buy whatever you want, like you've been doing. You should be saving for your family or relatives, think about others too. - Job Vacancy
I'll give you one tip on saving money. It's up to you on whether you are going to use it or not. Get a notebook, jot down everything single little detail of your day. Not a diary, get your shopping list. See and observe what you buy. Maybe it's things that you will never ever need. You can open your eyes on what you are buying. Junk, most things people buy are junk. Don't waste your money on those things, you might be saving tons of money once you see your list. - Lowongan Kerja
Tuesday, November 9, 2010
Some Effective Tips About How To Save Money
Author: Steve Loanesco
Indonesia Job - Saving money is not just about finding a bargain and paying less for an item. This "saving" will only help you if you then set aside the money you "saved" and keep it till later. Saving money is to be able to put money away, ideally where you cannot access it easily, so that it's there to be used at a later time. - Job Vacancy
A study by economists found that income did not relate into volume of savings on retirement, and that low income earners were frequently able to have better savings on retirement than middle income earners. The study came to the conclusion that "persons with minimal savings on the eve of retirement have simply preferred to save less and spend more over their lifetimes.
Saving money is a decision; you choose to spend less than you earn and save the difference. Earning money is only half of the equation; we should find out how to control the money we earn and realize that not all money earned is for instant spending.
The first decision you must make is to save some of your earnings. To work out how much you can save, you first need to take the time to work out what your monthly bills total, how much is needed for the regular repeat costs like mortgage, utilities, insurances, vehicle costs etc. Work out a monthly cost by dividing the annual amount by twelve.
When you have a total monthly expenditure, compare it against your regular monthly earnings. If you are like the majority of people who do this exercise, you will now have to look for ways to reduce your expenditure to bring it in below your earnings. Consider things like credit cards, entertainment, eating out, fast food, vehicle expenses and clothing
Unless you take the time to explore the best ways to save money now, you will have to face the consequences of over-spending at some time down the track. Bite the bullet now and put yourself in a better financial position for the rest of your life. - Lowongan Kerja
A study by economists found that income did not relate into volume of savings on retirement, and that low income earners were frequently able to have better savings on retirement than middle income earners. The study came to the conclusion that "persons with minimal savings on the eve of retirement have simply preferred to save less and spend more over their lifetimes.
Saving money is a decision; you choose to spend less than you earn and save the difference. Earning money is only half of the equation; we should find out how to control the money we earn and realize that not all money earned is for instant spending.
The first decision you must make is to save some of your earnings. To work out how much you can save, you first need to take the time to work out what your monthly bills total, how much is needed for the regular repeat costs like mortgage, utilities, insurances, vehicle costs etc. Work out a monthly cost by dividing the annual amount by twelve.
When you have a total monthly expenditure, compare it against your regular monthly earnings. If you are like the majority of people who do this exercise, you will now have to look for ways to reduce your expenditure to bring it in below your earnings. Consider things like credit cards, entertainment, eating out, fast food, vehicle expenses and clothing
Unless you take the time to explore the best ways to save money now, you will have to face the consequences of over-spending at some time down the track. Bite the bullet now and put yourself in a better financial position for the rest of your life. - Lowongan Kerja
Ways to Save Money on a Tight Budget
Author: Lyn Bell
Job Vacancy - When your budget is stretched you need to take control of your spending. Here are some ways to save money on a tight budget. Remember that the important thing is not how much you earn but how much you save and how you spend. - Indonesia Job
Going to the supermarket can be irresistible for unplanned spending. It is one of the major places to use more money than you intend. Be conscious about this fact and make yourself some simple rules.
Power Bill
Going to the supermarket can be irresistible for unplanned spending. It is one of the major places to use more money than you intend. Be conscious about this fact and make yourself some simple rules.
- Start by allocating a set sum for groceries every month in your budget.
- Shop for groceries only once a week and do not be tempted to pop in every day. You'll invariably end up with more than the carton of milk you dropped in for.
- Plan your shopping by taking a list of the items you need. Make a note of the usual price of the items and add these up to indicate how much you will be spending.
- Only shop when you have eaten and not when you are hungry. If you are hungry you will end up with more food in your trolley than you need.
- Scour the specials and cut out coupons. Make you list using the weekly special publication.
- Take cash to cover your bill rather than placing it on the credit card.
Power Bill
- Electricity bills can be lowered by simple things such as switching off appliances that are not in use.
- Check other providers to see if you can get a better rate for the use of your power.
- Switch off lights in rooms you are not using.
- Use energy-saving light bulbs.
- Insulating your home may be an expense at the start but will have an ongoing benefit of decreased electricity bills and providing a warm home.
- Using the internet for online chats and sending emails helps you to stay in touch without having huge bills to talk on the phone.
- Use Skype to call friends who are also on the internet for free. You can also pay for calls to landlines at inexpensive rates.
- Ask your telephone provider if they have special deals that will cut the cost of calls.
- Even if you don't pay for water usage this applies. Attend to any dripping tap as this is a waste of water.
Pekerjaan Sesuai Tipe Kepribadian
Author: http://bit.ly/ae8vqc
Indonesia Job - Berdasarkan teori John Holland, seperti dijelaskan dalam situs Career Key, umumnya manusia dibedakan dalam 6 tipe kepribadian yaitu Realistic, Investigative, Artistic, Enterprising dan Conventional. - Job Vacancy.
1. Tipe Realistik digambarkan sebagai orang yang memiliki skill bekerja dengan mesin, alat atau binatang. Umumnya menghindari aktivitas sosial seperti mengajar, penyembuhan dan penyuluh. Orang dengan tipe kepribadian seperti ini biasanya melihat diri mereka sebagai pribadi yang praktis, mekanis dan realistis. Contoh pekerjaan dalam lingkup ini adalah engineer, pilot atau petugas polisi.
2. Tipe investigative diuraikan sebagai orang yang gemar dan pandai memecahkan masalah. Mereka biasanya menghindari pekerjaan yang sifatnya memimpin, menjual atau memersuasi orang lain. Tipe ini melihat dirinya sebagai seorang yang presisi, scientific dan intelektual. Contohnya ahli kimia, dokter gigi, physician, ahli matematik.
3. Tipe Artistik suka melakukan aktivitas seni, drama, keterampilan tangan, menulis sastra. Umumnya, tipe ini menghindari aktivitas yang rutin, berulang serta pekerjaan yang sifatnya highly ordered. Tipe ini melihat dirinya sebagai pribadi yang ekspresif, orisinal dan independen. Contohnya, desainer pakaian, penari, komposer, editor buku, dan graphic designer.
4. Tipe Sosial suka menolong sesama serta pandai melakukan kegiatan seperti mengajar, konseling, merawat atau memberi informasi. Mereka biasanya menghindari pekerjaan yang berhubungan dengan mesin, alat atau binatang untuk mencapai suatu maksud. Tipe ini melihat dirinya sebagai pribadi yang suka menolong, bersahabat dan bisa dipercaya. Contohnya guru, konselor, perawat, pekerja sosial.
5. Tipe Enterprising suka memimpin, memengaruhi orang lain dan menjual gagasan. Umumnya menghindari aktivitas yang membutuhkan observasi mendalam dan pemikiran analitis. Tipe ini melihat dirinya sebagai pribadi yang enerjik, ambisius dan bisa bersosialisasi. Contohnya, sales, agen real estate, pengacara, hakim, manajer hotel.
6. Tipe Conventional suka bekerja dengan angka-angka, berkas-berkas dan segala yang serbateratur. Menghindari aktivitas yang tidak terstruktur dan “tidak jelas”. Tipe ini melihat dirinya sebagai pribadi yang teratur dan mengikuti sistem yang sudah baku. Contoh, sekretaris, teller bank. - Lowongan Kerja.
Nah, Anda termasuk tipe yang mana? (kompas)
Indonesia Job - Berdasarkan teori John Holland, seperti dijelaskan dalam situs Career Key, umumnya manusia dibedakan dalam 6 tipe kepribadian yaitu Realistic, Investigative, Artistic, Enterprising dan Conventional. - Job Vacancy.
1. Tipe Realistik digambarkan sebagai orang yang memiliki skill bekerja dengan mesin, alat atau binatang. Umumnya menghindari aktivitas sosial seperti mengajar, penyembuhan dan penyuluh. Orang dengan tipe kepribadian seperti ini biasanya melihat diri mereka sebagai pribadi yang praktis, mekanis dan realistis. Contoh pekerjaan dalam lingkup ini adalah engineer, pilot atau petugas polisi.
2. Tipe investigative diuraikan sebagai orang yang gemar dan pandai memecahkan masalah. Mereka biasanya menghindari pekerjaan yang sifatnya memimpin, menjual atau memersuasi orang lain. Tipe ini melihat dirinya sebagai seorang yang presisi, scientific dan intelektual. Contohnya ahli kimia, dokter gigi, physician, ahli matematik.
3. Tipe Artistik suka melakukan aktivitas seni, drama, keterampilan tangan, menulis sastra. Umumnya, tipe ini menghindari aktivitas yang rutin, berulang serta pekerjaan yang sifatnya highly ordered. Tipe ini melihat dirinya sebagai pribadi yang ekspresif, orisinal dan independen. Contohnya, desainer pakaian, penari, komposer, editor buku, dan graphic designer.
4. Tipe Sosial suka menolong sesama serta pandai melakukan kegiatan seperti mengajar, konseling, merawat atau memberi informasi. Mereka biasanya menghindari pekerjaan yang berhubungan dengan mesin, alat atau binatang untuk mencapai suatu maksud. Tipe ini melihat dirinya sebagai pribadi yang suka menolong, bersahabat dan bisa dipercaya. Contohnya guru, konselor, perawat, pekerja sosial.
5. Tipe Enterprising suka memimpin, memengaruhi orang lain dan menjual gagasan. Umumnya menghindari aktivitas yang membutuhkan observasi mendalam dan pemikiran analitis. Tipe ini melihat dirinya sebagai pribadi yang enerjik, ambisius dan bisa bersosialisasi. Contohnya, sales, agen real estate, pengacara, hakim, manajer hotel.
6. Tipe Conventional suka bekerja dengan angka-angka, berkas-berkas dan segala yang serbateratur. Menghindari aktivitas yang tidak terstruktur dan “tidak jelas”. Tipe ini melihat dirinya sebagai pribadi yang teratur dan mengikuti sistem yang sudah baku. Contoh, sekretaris, teller bank. - Lowongan Kerja.
Nah, Anda termasuk tipe yang mana? (kompas)
Ineffective Assistance of Counsel and Immigration
By: Damon Chetson
Job Vacancy - What happens when a criminal lawyer does not fully inform his client of the immigration consequences of a conviction? That lawyer has committed the sin of ineffective assistance of counsel - Job Indonesia.
Job Vacancy - What happens when a criminal lawyer does not fully inform his client of the immigration consequences of a conviction? That lawyer has committed the sin of ineffective assistance of counsel - Job Indonesia.
The Supreme Court held recently in Padilla v. Kentucky that a criminal lawyer must give accurate advice regarding the potential consequences of an immigration conviction. Jose Padilla had spent 40 years in the United States. Although he never gained citizenship, he was a lawful "permanent resident." In fact, he was even a Vietnam vet. He was charged (and later pled guilty) to trafficking marijuana.
His lawyer, at the time of his plea negotiations, had informed Padilla that because he had lived so long in the United States, he did not need to worry about the immigration consequences of his conviction.
However, because marijuana trafficking is an "aggravated felony" under United States law, his guilty plea meant that Padilla was deportable under federal immigration law.
Padilla appealed his conviction, and the Supreme Court found by a 7-2 decision that, in fact, his lawyer's advice that he had nothing to worry about regarding immigration was "ineffective assistance of counsel".
If any attorney is counseling a client regarding a criminal matter, that attorney should first determine whether the client is a citizen or not. The attorney should then determine whether the crime with which the person has been charged is a deportable offense. Even if the offense is not a deportable offense, the attorney should advise the person that laws may change and that by pleading guilty to the crime, the person may in fact be deported upon conviction.
His lawyer, at the time of his plea negotiations, had informed Padilla that because he had lived so long in the United States, he did not need to worry about the immigration consequences of his conviction.
However, because marijuana trafficking is an "aggravated felony" under United States law, his guilty plea meant that Padilla was deportable under federal immigration law.
Padilla appealed his conviction, and the Supreme Court found by a 7-2 decision that, in fact, his lawyer's advice that he had nothing to worry about regarding immigration was "ineffective assistance of counsel".
If any attorney is counseling a client regarding a criminal matter, that attorney should first determine whether the client is a citizen or not. The attorney should then determine whether the crime with which the person has been charged is a deportable offense. Even if the offense is not a deportable offense, the attorney should advise the person that laws may change and that by pleading guilty to the crime, the person may in fact be deported upon conviction.
Monday, November 8, 2010
DUI Penalties - A Survey Of The Variances
Author: Wayne A. Campbell
Indonesia Job - Although every jurisdiction in North America views alcohol related driving charges as serious, there is definitely no consensus on the best way to punish those who drink and drive. In a survey of States and Provinces, it was found that there were large differences in minimum fines, license suspensions, jail time and other consequences - Job Vacancy.
In Canada, the offense of Impaired Driving is a federal offense and comes under the Canadian Criminal Code. There is a standard penalty across Canada if charged criminally with an alcohol/driving related offense. On a first offense, the minimum fine is $1,000.00 and a one year license suspension. Jail time is possible and an option for Judges in sentencing for more serious cases.
The maximum legal blood alcohol content is 0.08% in Canada. However, Provinces are free to institute their own regulations in regard to alcohol and driving on provincial roads. Some provinces such as British Columbia and Nova Scotia have penalties that are immediate such as roadside driver's license suspensions for drivers who are found to have a BAC according to a breath testing machine that are lower than the Criminal legal limit. However, a driver charged under these Provincial regulations are not charged criminally. Although some of these penalties can be severe, if a driver is only charged under a Provincial regulation, they will not have a criminal record.
In the US however, individual States have the authority to legislate laws regarding impaired driving and blood alcohol concentration levels. Each State has its own penalties and sentences that are legislated by the State. Even though all States in the US today have a standard maximum blood alcohol concentration of 0.08%, this has not always been the case. Until recently, there was even a variance in the legal blood alcohol concentration limit among States.
In a survey of penalties for drinking and driving offenses, it was found that there is a huge variance in how many States mete out punishment for those offenses. Some such as Michigan have a fine for a first offence of only $100.00 while other States like Washington have a minimum fine of $1,120.50.
Jail sentences for a first offence also vary greatly. In Pennsylvania, no jail time is legislated if your BAC was between 0.08% AND 0.099%, but in Washington State, you will spend 24 hours in Jail and up to 1 year. A period of electronic home monitoring in Washington is also a possibility.
Some States have varying penalties that depend on your BAC when you were arrested. In Michigan, having a BAC of greater than 0.17% is now considered a "Super DUI" and carries increased penalties upon conviction.
As well, there are places in the United States where an impaired driver faces greater penalties if they were driving with a passenger under a certain age. In some States, this age is 21, while others have legislated more severe penalties for transporting a minor under 16 years old.
Indonesia Job - Although every jurisdiction in North America views alcohol related driving charges as serious, there is definitely no consensus on the best way to punish those who drink and drive. In a survey of States and Provinces, it was found that there were large differences in minimum fines, license suspensions, jail time and other consequences - Job Vacancy.
In Canada, the offense of Impaired Driving is a federal offense and comes under the Canadian Criminal Code. There is a standard penalty across Canada if charged criminally with an alcohol/driving related offense. On a first offense, the minimum fine is $1,000.00 and a one year license suspension. Jail time is possible and an option for Judges in sentencing for more serious cases.
The maximum legal blood alcohol content is 0.08% in Canada. However, Provinces are free to institute their own regulations in regard to alcohol and driving on provincial roads. Some provinces such as British Columbia and Nova Scotia have penalties that are immediate such as roadside driver's license suspensions for drivers who are found to have a BAC according to a breath testing machine that are lower than the Criminal legal limit. However, a driver charged under these Provincial regulations are not charged criminally. Although some of these penalties can be severe, if a driver is only charged under a Provincial regulation, they will not have a criminal record.
In the US however, individual States have the authority to legislate laws regarding impaired driving and blood alcohol concentration levels. Each State has its own penalties and sentences that are legislated by the State. Even though all States in the US today have a standard maximum blood alcohol concentration of 0.08%, this has not always been the case. Until recently, there was even a variance in the legal blood alcohol concentration limit among States.
In a survey of penalties for drinking and driving offenses, it was found that there is a huge variance in how many States mete out punishment for those offenses. Some such as Michigan have a fine for a first offence of only $100.00 while other States like Washington have a minimum fine of $1,120.50.
Jail sentences for a first offence also vary greatly. In Pennsylvania, no jail time is legislated if your BAC was between 0.08% AND 0.099%, but in Washington State, you will spend 24 hours in Jail and up to 1 year. A period of electronic home monitoring in Washington is also a possibility.
Some States have varying penalties that depend on your BAC when you were arrested. In Michigan, having a BAC of greater than 0.17% is now considered a "Super DUI" and carries increased penalties upon conviction.
As well, there are places in the United States where an impaired driver faces greater penalties if they were driving with a passenger under a certain age. In some States, this age is 21, while others have legislated more severe penalties for transporting a minor under 16 years old.
Why It Is Necessary To Use an Alcohol Analyzer!
By: Jeff Short
Job Indonesia - When it comes to be an alcoholic or something like that, you have to use a quality alcohol analyzer. Why's that? Well, it is because this device helps you to know your BAC efficiently and accurately. In these days, you might have an idea that young generation and high school students are quite indulged in this bad habit of drinking. They don't even bother to follow their age factor and starts drinking while in parties or at friends place secretly - Job.
In such circumstances, Government is trying its level best to reduce such type of issues but they are not so successful. Therefore, the idea of using breathalyzers appeared in past few years back and now everyone is becoming addict of this device. What actually a breathalyzer is and how it helps drinkers? Well, that's a good question because this device helps you people to know your Blood Alcohol Content efficiently. So, if you think that you are going to a party, a night club or in a bar then make sure that you are taking this device with you. Use it and know your BAC to avoid unwanted accidents and mishaps.
Don't worry about the size of this device because all you need is to buy an alcohol analyzer and put it in your pocket. Yes, you can put it in your pocket without any hassle or annoyance. This device is designed in a way that you can easily take it anywhere you want.
Tips on What to Do When Pulled Over for DWI
By: Jeff Raleigh
Job Vacancy - Out of all the errors a person can make behind the wheel of a motor vehicle, driving while intoxicated often is one of the worst lapses in judgment. It can be a costly and humiliating experience, one that often is made worse because drivers don't know their rights when they have been stopped for an officer for DWI.
Typically, a DWI stop starts with the officer asking you for your license and registration; that much you have to provide. But when he starts asking you questions, you're under no obligation to answer - if you choose not to speak at all because you're afraid it might often some indication that you've drunk, then it's your right not to say a word - Indonesia Job
Often, if an officer thinks you've been drinking, he may ask you to perform field sobriety tests. Again, in most states you have the right to refuse such tests, which often are subjective, offering an officer the opportunity to make a judgment call that you've been drinking. Again, don't do anything that offers any potentially self-incriminating evidence.
At some point, the officer is going to want you to take a Breathalyzer or blood test, and you're darned if you do, darned if you don't in this regard. All US States have implied consents laws, which basically state that if you have a driver's license, you must comply with a request for such tests if an officer deems one necessary. And if you don;t take the test when asked, you still face the possibility of a fine, suspended license, even jail time. In some instances, you're may be a little better off declining the test, but most of the time, agree to have it done.
So take the test, and one of tow things will happen: Either you'll be found to not be drunk, or you will be found to be intoxicated and arrested for DWI. Even that, though, doesn't necessarily mean a conviction - the equipment used to check your level of intoxication varies in its accuracy, and can often be challenged in court. Or perhaps the officer made a procedural error, which could lead to your case being throw out.
How will you know if such errors have been made? Most of the time you won't, and in the case of a DWI, the old adage "Only a fool acts as his own attorney" has never been truer. if you face a court date for DWI, don't waste time trying to represent yourself - go find yourself a criminal defense attorney. Don't take the first one you see in the Yellow Pages; look around a bit, ask others who they can recommend. There are huge differences in the competence of attorneys, and you'll want the best one you can afford representing you in a court of law.
And one last point: If you've been stopped for DWI, hopefully you've learned something, whether you're convicted or not, something that should have been obvious - drinking and driving don't mix.
Typically, a DWI stop starts with the officer asking you for your license and registration; that much you have to provide. But when he starts asking you questions, you're under no obligation to answer - if you choose not to speak at all because you're afraid it might often some indication that you've drunk, then it's your right not to say a word - Indonesia Job
Often, if an officer thinks you've been drinking, he may ask you to perform field sobriety tests. Again, in most states you have the right to refuse such tests, which often are subjective, offering an officer the opportunity to make a judgment call that you've been drinking. Again, don't do anything that offers any potentially self-incriminating evidence.
At some point, the officer is going to want you to take a Breathalyzer or blood test, and you're darned if you do, darned if you don't in this regard. All US States have implied consents laws, which basically state that if you have a driver's license, you must comply with a request for such tests if an officer deems one necessary. And if you don;t take the test when asked, you still face the possibility of a fine, suspended license, even jail time. In some instances, you're may be a little better off declining the test, but most of the time, agree to have it done.
So take the test, and one of tow things will happen: Either you'll be found to not be drunk, or you will be found to be intoxicated and arrested for DWI. Even that, though, doesn't necessarily mean a conviction - the equipment used to check your level of intoxication varies in its accuracy, and can often be challenged in court. Or perhaps the officer made a procedural error, which could lead to your case being throw out.
How will you know if such errors have been made? Most of the time you won't, and in the case of a DWI, the old adage "Only a fool acts as his own attorney" has never been truer. if you face a court date for DWI, don't waste time trying to represent yourself - go find yourself a criminal defense attorney. Don't take the first one you see in the Yellow Pages; look around a bit, ask others who they can recommend. There are huge differences in the competence of attorneys, and you'll want the best one you can afford representing you in a court of law.
And one last point: If you've been stopped for DWI, hopefully you've learned something, whether you're convicted or not, something that should have been obvious - drinking and driving don't mix.
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