Until 2010

Four Requirements for Online Business | Sadia Komal.Com

2011-09-19T15:52:00.000-07:00

Four Requirements for Online Business | Sadia Komal.Com

100 Resources for the recession year

2009-08-27T09:00:00.000-07:00

This is an awesome list compiled by Construction Management Schools, with something for everybody in this economy.

100 Career Coach Blogs to Get You through the Recession

With the current recession and unemployment rate increasing in this volatile economy, thousands of people are being faced with uncertain futures. In the past, you could be laid off and, with little or no changes to your resume, find another, similar or even better position. In these times of change and reorganization, many individuals are using this opportunity to review their career and assess their options by choosing a Career Coach to help them and create an action plan to move forward. Here is a list of blogs that offer tips and advice for finding that career you need and deserve. We have categorized them by the following categories: Recently Graduated, Transition, Interviewing & Resume Writing, Blogs for Women, Expert Advice, Specific Job Fields, Entrepreneurs, and Job Industry News & Updates.

Recently Graduated

The tough economy and tight labor market have made it harder for graduates to obtain employment in their fields. Increase your prospects with these blogs to help you stand out from the rest.

Collegiate Career Coach Blog

2. CollegeRecruiter.com Blog: Learn how to bargain for your salary and impress the hiring manager. A good tool for acing the job searching process.

3. The Creative Career Observations on the transition from college into career. Insight on how students can adapt to the aspects in public relations, communications, and marketing that are always changing.

4. Job Hunting Tips Suggestions on resources and advice to help you choose a career before hunting for a job. Topics are on best medical careers to salary negotiations.

5. Work Coach Cafe Work Coach Cafe is the new site from Work Coach.com. It’s a place to get advice on job interviews, job searches, workplace issues and much more.

6. The Emerging Professional Learn how to be distinct while still fitting in. This Ivy League career counselor’s articles include employment trends and what the recruiters are thinking.

7. Graduate Career Coaching Get detailed posts on recruiting, interviewing, training and development. View job searching from an insider’s perspective.

8. Brazen Careerist This blog is anything but your classic career site. Formed by a group of top Gen Y thought leaders, these posts provide forward thinking and encouragement to define your own path.

9. Student Loan Blog With topics on everything from budgeting your student loans to how to make a lasting impression at that interview, this blog gives helpful hints to college students and graduates to help them be successful and choose the right career for them.

10. One Day One Job Provides listings of job opportunities for recent college graduates. Daily employer profiles are given for entry level jobs and search tips.

11. Daily Career Connection For individuals interested in growing as job professionals. When you’re just starting out or have been looking, this blog has many tips that can help.

12. EduPlan Blog This blog will inspire students and graduates into uncovering their true potential through education and maximizing opportunities for success. Brought to you by a consulting firm that offers over 15 years of expertise in the field of career development.

Transition

If you’re wanting to try a new career or industry but don’t know how to get started, these blogs will help you get on your way.

13.

Coach Your Life

14. MilitarytoCivilian.com Dedicated to helping military and post-military transition into the civilian job market. Includes tips on how to translate military experience on your resume and new career areas for job seekers with military backgrounds.

15. Workforce50.com Caters to workers over 50 who are searching for employment, in a transitional phase, or close to retirement.

16. BullsEyeResume This career reentry blog helps employees return to the workforce. Their goal is to help facilitate successful career reentry or transition.

17. Michele Woodward’s Coaching Blog Michelle gives coaching to individuals and businesses managing a transition. Visit her blog for useful tips and some clarity and purpose.

18. Career Test Guide Looking for a mid-life career change or even a second or third career? Get good advice from mid life career change experts.

19. Surpass Your Dreams Offers help for senior executives, vice presidents, and managers who are out of work, overworked, or are looking for a new job and self fulfillment.

20. The Risesmart Blog This blog will give insight for transitioning employees on resume writing and career advice. There is even an individual assistance program where questions can be answered.

21. Aspire Blog Educate yourself about career transition with this reinvention “strategist”. This blogger has helped many of the middle aged to start a new career and enjoy life.

22. Tips from your Career Management Authority Tips, stories, and advice for job seekers on career development and transition. Posts are full of help with resume writing, career coaching, and managing a satisfying career.

23. Bold Career: This blog is full of inspiring advice for those interested in starting a new career. Learn resume tips, HR secrets, and more.

24. TheJobBored A job search and career advice blog dedicated to the tools, tricks and tips you can use to get ahead at work. This blogs focus is on the already employed that are trying to make changes in their career paths.

25. Career Tune-up From JobDig, this blog focuses on making transitional phases in your career. Re-invent yourself and get that career you have been dreaming about.

Interviewing & Resume Writing

Create a great resume and receive some interviewing tips with some help from these blogs.

Job Search Advice, Resume Writing Tips from a Career Consultant

27. ResumePower.com Offers real life resume writing advice in a number of fields. Substantial advice is given on cover letters, career change, and job search techniques.

28. Executive Resumes and Career Transition Strategies An executive resume writer provides commentary on convenient articles, useful links, and discusses executive resume writing. Updates you on career transition strategies, employment, and leadership trends.

29. Tips to Landing Your Dream Job Step by step tips on finding a job from beginning to end. Find out where to look for employment and submit your resume.

30. Corporate Warriors Learn more than 40 ways to conduct your executive job search faster and with more care. Interview tactics and professional resume writing advice are also contained in these posts.

31. Resume and Career Talks about building and creating resumes and curriculum vitae for professionals seeking job opportunities. Many career tips have been contributed also.

32. The Career Encouragement Blog Provides advice on job interviewing from start to finish. This blog covers everything from using professional email addresses to what to do if you are running late for your interview.

33. Cube Management: Recruiting Bytes: This blog, sponsored by parent company Cube Management, offers several helpful tips for making the most of your interview.

34. SkorCareer Provides quality career information to job seekers, regardless of their profession, to help build and develop their future. Resources such as job tips, resume samples, and job interview questions and answers are frequently updated.

35. Career Hub A fairly new blog helping people take charge of their job search, build confidence and advance their careers. Connect with the best minds in career counseling about resume writing, interviewing and recruiting.

36. Federal Resume Writer Blog Dedicated to helping veterans find and secure federal jobs. This blog will assist you in writing the best resume aimed at your specific federal field.

37. JobGoRound.com Blog Get coached on resume writing, job search, interview tips, and starting a new job. Provides great resources to make starting a new job pleasant, productive, and rewarding.

For Women

Women have to compete very hard in today’s job market. These blogs will boost your confidence, help you create a fantastic CV, and provide other key tips to help keep you ahead of the game.

38.

Career Advice Blog

39. More Than WE Know Visit this blog for information, inspiration, and support for women entrepreneurs. Liz coaches business owners with many top ten lists.

40. Career Fashion Blog Provides wardrobe and fashion advice for the professional woman. Topics are from letting you know if your skirt is too short to what shirts to wear with pin stripe suits.

41. The Glasshammer A community blog designed for women executives. The focus is on empowerment for women in financial services, law and business.

42. Women’s Leadership Blog This blog is sponsored by Future Women Leaders. Although not solely for career coaching, it shares resources, tips, and advice to inspire women to become leaders in both their professional and personal lives.

43. Marie Claire’s Career & Money Coach Blog If you have workplace worries and prickly career questions, then this blog has you covered. Read these posts and start planning your route to the corner office.

44. The Secrets of Success Blog A blog by Christine Janssen, Founder and President of Denken Research & Consulting, a boutique consulting firm in New York City. She is a huge advocate of female entrepreneurs and her posts are filled with innovative marketing strategies to help women identify unique growth opportunities.

45. Satisfying Career – Happier Life Career coach Shweta’s career advice and informational blog on work-life balance, career planning, and tips for women. Career articles and posts are updated frequently for the working women and mother.

46. The Anti 9 to 5 Guide A guide to getting yourself cubicle-free. Read her posts on flexibility, being boss-free, and otherwise nontraditional careers.

47. Career Woman Inc. Blog Devoted to the advancement of women in business. The goal is for women to reach achievement of their personal and professional aspirations.

48. Online Degree News and Views for Women offers honest female perspective and insight into getting a degree online, and improving your career options.

49. Be Gutsy Blog This blog is sponsored by Women for Hire.com. Offers a wide variety of career-related information and videos geared to working women.

50. Damsells in Success A community blog by women in all professionals. Serves as a networking tool for women and supports advancement.

51. Ag Career Woman A way for women in the agricultural industry to network and seek career advice. This blog is solely by women for women.

Expert Advice

Get useful advice and motivation from these experts in the career coaching industry.

52.

Patricia Weber

53. Secrets of the Job Hunt A network of job seekers and professional career advisors. Offers video and podcasts on a number of topics, including everything from why a resume is even needed to finding a job in wind power.

54. Lion Cub Job Search A job search run by Lavie Margolin, a job search advisor since 2002. A sounding board for job search strategy in addition to relevant questions, concerns, and comments.

55. Employment Digest Combines tools, strategies, hints, and news for job hunters and those seeking career advancement. Also gives commentary from recruiters and staffing professionals keeping abreast of the market.

56. Brilliant Job Search Free advice for job hunters from expert headhunters. Can help you stay positive when working through your career change transition.

57. Corporate Presenter: Jeremy Jacobs is known as “The Voice” and offers many tips for the business minded. He gives advice on speeches, phone calls, and more.

58. Compass Strategies This is the blog of an executive coach, advisor, and business executive. A recent entry dealt with customer service and complaints.

59. Executive Speech Coach Executive speaking tips for managers, technical experts, and professionals. A fast way to transform your presentations into a convincing communication from an expert speech coach.

60. CareerDoctor.org Great advice from Dr. Randall Hansen, Career Coach. He has over 20 years of experience coaching everyone from teenagers to Senior Executives with a variety of education and job search issues.

61. Jobseekers Advice A substantial blog offering free and unconstrained career support and information from skilled advisors from all over the world.

62. Employee Evolution Written by Ryan Healy who is a Co-Founder of Brazen Careerist, one of the blogs listed above. Speak with him about best practices for recruitment and retaining employment and how to effectively use social media to reach your target market.

63. TylerCruz.com: An Internet Entrepreneur’s Journey This is the online journal of a young web entrepreneur on his journey to wealth. Tyler makes a living by creating and building websites and selling advertising on them.

Specific Career Fields

For those of you who have a specific job trade, finding a job may be a bit less stressful during this time. You can still brush up on your skill set with these blogs.

64.

IT Career Coach

65. Find Your Ideal Career Tips on finding the right career for you. Focusing on nursing, cruise ships, and nautical and mechanical engineering.

66. Green Career Central A blog for green career seekers and career counselors. Gives great advice and helpful hints on transforming a passion for the environment into prosperity in today’s economy.

67. Style Career Connect Tools to keep you well educated when deciding on a career in fashion, beauty, or retail. Can help you decide what suits your skills and interest as well as keep you abreast of the latest news to help you create your style career.

68. Building up a career Blog from a young programmer working at an R & D Department. Aims to be a place where approaching programmers can learn what they will be facing in the real world of programming.

69. Writing Career Coach A blog for ambitious writers’ that provides teaching, career outlines and advice. Learn strategies for success on writing a novel or articles for the local newspaper.

70. Idealist.org Useful resources for people searching for a job in the non-profit area. Includes resource guides for college students and young non-profit professionals such as articles, career fairs, and financial advice.

71. TopSchoolJobs.org From the Education Week news site, this blog focuses on career resources for educators and administrators for Kindergarten through 12^th grade.

72. WirelessJobs.com: Helps you locate jobs while learning about new trends in the wireless job industry.

73. Bio Job Blog: A great source for anyone interested in pursuing a career in bioscience or biotech industries. They have an “ask the recruiter” section with great training advice and more.

74. Vault A blog focusing on job seekers in banking, investment firms, and accounting. Obtain career coaching, interview preparation, and salary charts.

75. Eccentric Employment: Updated constantly, this blog provides job postings of bizarre, unconventional and very fascinating opportunities.

Entrepreneurs

From direct selling to online ventures, the recession is sparking more Americans to find creative ways to supplement or replace their income. Gain some knowledge from these entrepreneurial coaching blogs.

76.

Internet Marketing Tips

77. SoloPreneur.biz Janet Slack is the owner of Life Adventure Coaching and gives tips on business, marketing, the entrepreneur, and technology. In addition to her blog, you can download her free eBook, “Biz Tips: Entrepreneur Edition.”

78. The Savvy Entrepreneur Cristina Favreau helps virtual office assistants find their authentic marketing voice. You can make a ton of extra money by following her tips or sign up for the Get Clients Now!

79. Your Career by Design Learn from this bloggers experience as an entrepreneur running an executive recruitment firm. Gain knowledge on how to differentiate yourself from my competitors.

80. Deb Bailey Transition Coach Get great advice from this sought after expert to discuss today’s most pressing workplace issues. Deborah Bailey helps entrepreneurs by helping them connect with their personal power in order to move forward in their transition from employee to entrepreneur.

81. Escape From Corporate America Pamela walked away from a six-figure job and a twelve-year corporate career to start her own business. Her posts are filled with practical guides for entrepreneurs and other renegades.

82. Purposefulentrepreneurblog.com dedicated to helping visionary entrepreneurs build successful businesses and share their spiritual gifts through articulating their purpose, activating their passion, and accelerating their profits.

83. Center for Balanced Living Existing solopreneurs can expand their success by leveraging their assets and clearing the inner blocks. There are also numerous articles on effective and authentic marketing to create wealth while doing something they love.

84.Instigator Blog – Lots of great entrepreneurial advice here. This Canadian entrepreneur’s blog is for entrepreneurs and small business owners, with an emphasis on how to start a business, run a business, marketing and technology.

85. Shaboominc.com A thriving business requires and provides resilience and continuity. How do you go about building a thriving career or business? Learn to regard mistakes as stepping stones to mastery.

86. Entrepreneur’s Journey Interested in Internet business and entrepreneurship? If so, you’ll love Australian entrepreneurs Yaro Starak’s blog. Perfect for those of you who are interested in making money online.

87. Gaebler Ventures Resources for Entrepreneurs At least once a week, serial entrepreneur Ken Gaebler posts a helpful article that provides great entrepreneurial advice. A must read for entrepreneurs.

88. Home Office Voice Martin Neumann shares his experiences as an Internet entrepreneur. There are nuggets of gold in his tips for building a web-based business.

89. Paul Allen-Internet Entrepreneur This Utah entrepreneur knows what he’s talking about and offers great advice and insights on all aspects of internet marketing and entrepreneurship.

90. Mind Petals Smart, creative, and young entrepreneurs from all over the world hang out at this site. It’s a community that produces informative, inspiring, and motivating content to spark the minds of all entrepreneurs.

News & Updates

Stay updated on your career search with these blogs. They cover the current issues of unemployment and the economy that are affecting us in today’s society.

91.

JIST’s Job Search and Career Blog

92. Career and Job Hunting Blog This career development and job search blog gives job seekers the most current trends, news and exclusive updates on the employment scene.

93. The Career News Stay abreast of the latest breaking news items affecting the employment scene. Read about employee rights, job seeking statistics, employee benefits, salary trends and other important career news.

94. Pink Slip Dedicated to providing posts related to news about the workplace, business, management, the economy, lay-offs, and anything else to discuss that’s employment related.

95. The Inside Job From U.S. News, this blog is written by Liz Wolgemuth. Her posts focus on news releases related to the job market. Liz Wolgemuth’s Liz Wolgemuth’s Liz Wolgemuth’s

96. Career Alley Career development and job search blog that give advice on news and current trends in the employment market. It also provides many reviews of job search sites.

97. Small Business Trends Anita Campbell follows trends in the small business market and trends in technology that affect small businesses and entrepreneurs. Definitely worth checking out.

98. All Star Resume Blog This blog offers frequently updated posts on reports released from the labor market. There are also good articles on choosing a lasting career.

99. The Job Journal Fox news teams up with Nicole Williams, best-selling author and career expert. Watch video diaries, read advice, and get the latest news for landing your next job.

100. Job Search News This blog will give you the lowdown on companies that are hiring, jobs on the rise, job shortages, and anything else going on in the employment world.

Job seeking is a challenging task in today’s economic climate. By reading some of these career coaching blogs, we hope you can find a career that will bring happiness and fulfillment by honing in on your skills and making the best of what the job market has to offer.

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Freelance writing resources

2009-07-04T10:10:00.001-07:00

Freelance writing resources

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Freelance writing resources

2009-07-01T08:39:00.001-07:00

Freelance writing resources

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Unlocking the hidden job market

2009-06-12T10:21:00.001-07:00

Unlocking the hidden job market

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Cleveland Unemployment Examiner: What if I .....? Do I put it on the job application?

2009-06-05T15:41:00.001-07:00

Cleveland Unemployment Examiner: What if I .....? Do I put it on the job application?

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Cleveland Unemployment Examiner: Get HIred Now -- Part Three

2009-06-04T21:38:00.001-07:00

Cleveland Unemployment Examiner: Get HIred Now -- Part Three

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Cleveland Unemployment Examiner: Get HIred Now -- Part Three

2009-06-04T21:25:00.001-07:00

Cleveland Unemployment Examiner: Get HIred Now -- Part Three

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What Won't you do for a Job?

2009-06-02T13:49:00.000-07:00

Melissa & Doug LLC, a fast-growing toy maker in Wilton, Conn., puts applicants through an interview process so grueling that one job seeker says she left in tears and felt psychologically traumatized.

Candidates must bring their lunch -- plus three years of W-2 statements. They spend hours on simulated work tasks, several with tight deadlines. They complete a lengthy survey, where they rank their interest in chores such as fixing a leaky faucet and changing the fax machine's toner. Some prospects walk out right after the all-day screening starts.

The process "is sometimes a little rough around the edges," but Melissa & Doug hires only individuals "who will love it here," says co-CEO Doug Bernstein. He and his wife founded a firm where sales staffers often interrupt work to belt out songs using the office karaoke machine. Melissa & Doug can afford to be picky. About 50 people now apply for every position the company fills, 10 times as many as two years ago, according to Mr. Bernstein.

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Jason Schneider

urn persists, U.S. employers flooded with résumés increasingly insist that job hunters jump through unusual hoops. An investment bank ordered an experienced female marketer to come dressed in fancy evening wear suitable for entertaining wealthy clients. Certain businesses ce contenders to interview each other and tout their rival's prowess. Others demand protracted unpaid tryouts.

"Job seekers frequently face a process that makes the Spanish Inquisition seem tame" because management sees the sour economy as a golden opportunity "for upgrading talent," says Jennifer Berman, a Chicago human-resources consultant.

Anyone craving employment these days "should expect just about anything," says Tom Carter, president of LeaderFinder Consulting Inc., a New York executive recruiter. He recently began requiring prospects to ace a role-playing exercise before recommending them to clients.

However, there are ways to anticipate and handle unorthodox screening tactics so you don't get knocked out of the running while jogging that extra mile.

You may avoid surprises by digging deeper than usual. Ask present and prior staffers about a company's hiring regimen, before checking online chatrooms and the corporate Web site for extra clues.

Capital One Financial Corp. alerts potential professionals and managers that many will tackle a business case study during interviews. The big bank's Web site offers a sample case study and acceptable analysis. Candidates believe "it's extremely helpful to have that case-study preparation," says Tonya L. Swatzyna, senior director of recruiting.

Rehearsals also get you ready for curveball interview requests. Act out responses to standard queries with friends, and then "have them ask you crazy questions to catch you off guard," says Townley Paton, owner of InterviewClips. The small San Francisco concern produces multimedia résumés for job hunters. You will appear even more self-confident if you practice your breathing, eye contact and smile, Mr. Patton adds.

Thinking fast on your feet helps, too. That's how a candidate became the frontrunner for a vice presidency at a midsize biotechnology company. During the prospect's interview with the company's chief executive last month, the CEO insisted the woman attend a corporate meeting about pitching for a contract research assignment.

Her participation "was totally unplanned," says Jay Meschke, president of CBIZ Executive Search, a CBIZ Inc. unit that helped the biotech concern field candidates. The woman offered impressive ideas about how the biotech business might craft the client pitch, according to Mr. Meschke. The firm will likely decide this month whether she will be its next VP of sales and marketing.

Daunting Hurdles

Some employers create hiring hurdles so daunting that their reputations suffer. A jobless executive sought to manage a large training department for a West Coast bank last year. The executive and seven fellow candidates were ushered into a crowded boardroom, where officials gave them each five minutes to interview the applicant next to them and offer a presentation on "why that person would be the best person for the job," he recalls.

The assignment infuriated the HR executive. "It's a total no win. You're put in a position of failure from the beginning," he says. The bank didn't hire him, but "never told me why I wasn't chosen," the spurned candidate adds.

Since then, the executive repeatedly has discouraged acquaintances from applying there. He hopes the bank hears about his criticism. "Why would I care about burning employment bridges at a place I don't want to work?" he asks.

Making the Most of It

Rather than retaliate, other job hunters take advantage of unconventional hurdles. Consider William "Tommy" Rollins, a digital marketing analyst laid off when Circuit City Stores Inc. liquidated in January. He soon met Brent Peterson, founder of InterviewAngel, a professional guide and toolkit offering interviewing tips in a binder. Mr. Peterson offered an unpaid tryout.

Mr. Rollins agreed to design free of charge an online sweepstakes where winners will receive a free copy of the guide, a résumé overhaul and a month of career coaching. He figured the start-up experience might lead to a paid gig there or elsewhere.

Mr. Rollins has provided 60 hours of free labor so far. The sweepstakes, launched May 13, proved immediately popular, according to Mr. Peterson. To make sure pro bono work opens doors for Mr. Rollins, Mr. Peterson serves as a job reference. "It is the least I can do," he notes.

Email joann.lublin@wsj.com

Printed in The Wall Street Journal, page B7

Geting Hired NOW!

2009-06-01T15:11:00.000-07:00

(This is Part Two in a series)
11. If you aren’t yet on Linkedin(linkedin.com), you need to be! Think of it as MySpace for the work world. Join some groups that pertain to the type of job you’re looking for, and also mark your profile “in transition” so that folks know you’re looking for work.

12. Being a Recruiter, I definitely recommend working with us. But be aware of how things work, and use that to your advantage. Employers pay us to find them great candidates for their openings, which means we will only introduce the very best people for the position. Talk to Recruiters who work solely or mostly in the industry you work in- you’ll have a much better chance of matching up with their assignments, getting an interview (or several) and getting hired.

13. Be active online in your industry. Join online groups that are specific to your industry, and don’t be a wallflower. Talk to people, ask how they are doing, build relationships, offer advice when you can, even answer questions people might have on sites like Yahoo Answers or Web Answers. The idea is to get your name out there as someone who knows his stuff, so that they’ll call you when they need someone. (And do not imagine for a minute that your future employers will not Google your name before offering you a job.)

14. Government positions at all levels are in a major hiring frenzy. You can research and apply for federal government jobs at jobsearch.usajobs.gov/

15. The phone interview: this is a screening tool, not just a little chat to make an appointment! Be sure the dog isn’t barking, the baby isn’t crying, and you’re not making dinner while discussing your future. Give this as much attention as you would if you were in that office with the caller.

16. What’s in a name? Don’t be so stuck on the title of the job that you pass up the opportunity, If the work is interesting and pays okay, be willing to take a step back in that title to move forward.

17. Post your resume on the big sites: CareerBuilder and Monster. You can also apply online, and search related jobs. You will get emails from employers offering you positions, but make sure that your “Scam Alert” is working overtime if the position seems too good to be true.

18. Email everyone on your contact list and let them know what you’re looking for, career-wise.

19. Be open to the possibility of non-traditional hours or weekend work if necessary, at least at the beginning.

20. Show up early for every interview, every call, every follow up. You want to appear eager!

Check out my other articles for more tips, and also Check back on Tuesday for Part Three!
My blogs http://until2010.blogspot.com and http://denisegabbard.wordpress.com offer more information to help during this economy. Also check out my Cleveland Examiner page at
http://www.examiner.com/x-11194-Cleveland-Unemployment-Examiner

Help for Home Loans!!

2009-05-14T16:29:00.000-07:00

DO NOT pay for help with your mortgage! Be extremely wary of anyone who asks for money to act on your behalf, or wants you to sign away your rights. There are HUD approved counselors available to give you guidance and work with you and your lender- and they will not charge you for this service.

The Obama administration set aside $75 billion to help homeowners in distress. This is the first effort made with the T.A.R.P. money that Main Street America can actually see. The government’s new foreclosure prevention plan is called Making Home Affordable. (M.H.A)

The government has set up a website specifically to give people who are struggling with their mortgage a place to get answers and help. These citizens may be struggling due to an interest rate hike or loss of income. Added to the problem is the nose-dive taken by the housing market after the real estate bubble burst, leaving so many people “underwater” in their current mortgages. The program is designed to help all homeowners, regardless of who their loan servicer is, with the goal being to refinance or modify loans so that they are currently affordable for the owners.

How do you know if you’re eligible for help? Here is a quick checklist:

The eligibility criteria for the Home Affordable Modification Program are:

Be an owner-occupant in a one to four unit property,
Have an unpaid principal balance that is equal to or less than $729,750 for one unit properties (there is a higher limit for two to four unit properties),
Have a loan that was originated on or before January 1, 2009,
Have a mortgage payment (including taxes, insurance, and home owners association dues) that is more than 31% of your gross (pre-tax) monthly income, and
Have a mortgage payment that is not affordable, perhaps because of a significant change in income or expenses.

If it appears that you meet these criteria, go immediately to the government’s new site at

http://makinghomeaffordable.gov and get started getting straightened out.

DO NOT Pay for a Foreclosure List!!

2009-05-12T13:39:00.000-07:00

I have seen the websites and gotten emails offering to sell me foreclosure lists, or allow me a peak into a foreclosure database (for $99 monthly!) Having considerable background in the mortgage and investment industries, I know that the bank's REO lists are completely free, so I did a quick search and came up with this list. This is a fairly comprehensive resource to get you started looking for a bargain property! If there is a local bank which does a lot of real estate lending, such as Third Federal in Cleveland, call them directly for a list of REO properties. They will be glad to send it!

REO, or Real Estate Owned, is property that failed to sale at a foreclosure auction and is now owned by a bank. Below is a free list of banks and links to their REO property.
Some links below lead directly to the lenders REO Department while other link to third party websites that provide REO services for the lender.
Countrywide REO:http://www.countrywide.com/purchase/f_reo.asp
Bank of America REO:http://bankofamerica.reo.com/search/
HSBC REO:http://www.banking.us.hsbc.com/
window.google_render_ad();
IndyMac Bank REO:http://apps.indymacbank.com/individuals/realestate/search.asp
Ocwen Financial REO:http://www.ocwen.com/reo/home.cfm
JP Morgan Chase Bank REO:http://mortgage.chase.com/pages/other/co_properties_landing.jsp
M&T Bank REO:http://services.mandtbank.com/personal/bank_owned_prop.cfm
Wells Fargo REO:https://www.pasreo.com/reo/
Washington Mutual REO (WAMU):http://www.wamuproperties.com
American Home Mortgage REO:They aren't taking mortgage applications anymore but they are selling real estate, go figure. ;)http://www.ahmhomes.com
Wachovia REO:http://reo.wachovia.com/
Washington Mutual REO: I could not locate any information about their REO.
Deutsche Bank REO: No information is available online.
SunTrust REO: SunTrust Mortgage, Inc website claims that all REO is listed with local real estate agents. Below is a link to their REO practices.http://www.suntrustmortgage.com/reo.asp
First Niagra Bank REO: The First Niagra website states that REO listings are not currently available but they do list contact information. http://www.fnfg.com/personal_banking/mortgages/real_estate_owned_sale.asp
Key Bank REO: No Key Bank REO information is availabe at this time.
Compass Bank REO:https://www.compassbank.com/appforms/properties/index.jsp
Fannie Mae REO:http://www.mortgagecontent.net/reoSearchApplication/fanniemae/
Freddie Mac REO:http://www.homesteps.com/hm01_1featuresearch.htm
HUD REO:http://www.hud.gov/homes/index.cfm
HomeSales.gov also offers properties offered for sale by the government.
Coldwell Banker REO DivisionColdwell Banker REO Division
Regions Bank Properties http://realestate.regions.com/servlet/Ore/ForeclosedPropertySearch.jsp
Citibank REO http://www.citimortgage.com/Mortgage/Oreo/SearchListing.do
SBA Propertieshttp://app1.sba.gov/pfsales/dsp_search.html
FDIC Real Estate Owned http://www4.fdic.gov/DRRORE/
Sallie Mae Financial Services Properties http://www.grpcapital.com/properties/index.html
BB&T REO (Branch Bank and Trust) http://www.bbt.com/applications/specialassets/search.asp
Beal Bank Commercial REO http://www.bealbank.com/Content.aspx?ID=13
GRP Financial Services Properties http://www.grpcapital.com/properties/index.php
Fifth Third Bank REO: No information is available online.
First Charter REO: No information is available online.
People's Bank REO http://www.peoples.com/im/cda/multi_elements/0,,1355,00.html
State Street REO: No information is available online.
National City Mortgage REO http://www.ncmcreo.com/
Taylor Bean REO http://www.taylorbeanhomes.com/
Downey Savings & Loanhttp://www.downeysavings.com/bank-owned-properties

Do keep in mind as you're perusing these lists, and checking out the properties, that there are some hidden pitfalls to buying a bank-owned property. Here are some tips that can help to make sure your bargain does not turn into a nightmare:

--Budget carefully. Be sure you have extra money set aside for extensive repairs if the house needs it, including paying a crew for labor and materials required.

--Do NOT buy sight unseen. Why would you even consider doing that? The risks are far too great, as many would-be investors have found out.

--Check out the neighborhood. You want to be sure the house isn't in a high crime area, or an area that's been hit particularly hard by foreclosure. Make several trips to the area, including at night, to see what the atmosphere is like.

--Find out how long it's been vacant. Long vacant properties have more damage in most cases. Plumbing seals dry out, pipes can break due to freeze and thaw cycles, sewer gases back up, and bugs that are in the sewer get a chance to get into the house.

--Don't turn on the utilities until you know the condition of the pipes. Besides causing a flood and damage to your walls, you could end up with mold.

--How is the landscaping? Make sure you don't have vines and tree roots growing into the house- they can cause extensive damage that you may not see initially.

--Get an inspection done- the cost is relatively inexpensive (I believe we paid about $400 for one when we bought our home in 2004) and very much worth the money. They can save you money in the long run if they can point out damaged pipes or electricity and you take pre-emptive action to get them repaired.

--Consider government owned REO's through HUD. They generally have been winterized and a condition report is done. There is also special financing available to buyers.

--Do not look for quick profits. With the economy and housing market the way it is, you may not be able to "fix and flip" as so many people did in the past. There are many houses going unsold on the market, so be sure you have the funds available to cover yourself in that event.

Five Healthy Motivational Books to Move YOU!

2009-05-12T11:25:00.000-07:00

“Life is like riding a bicycle. To keep your balance you must keep moving" Albert Einstein

In times like these, it’s more important than ever to keep your balance! Here are five books to help with your personal balancing act:

1. The Blue Zones: Lessons for Living Longer From the People Who've Lived the Longest By Dan Buettner

Dan Buettner has an association with the National Geographic Society, and is familiar with many cultures around the world. He defines a “Blue Zone” as a geographic area that produces high rates of people living over 100 years. His talks with these people about their secrets to longevity reveal little that is secret. In fact, he finds that they just have naturally adopted healthy habits as a way of life. Some of them are obvious-lots of fresh water, fresh air, and exercise, and others aren’t so black and white. Nevertheless, Dan gives us a lot of insight into how they live, and how we can incorporate much of what they do into our new, longer lives, leaving us with nine main principles to consider and implement.

2. The End of Overeating: Taking Control of the Insatiable American Appetite by David Kessler, MD

A quick Google search on David Kessler, and you find out about a man who earned his law degree from the University of Chicago, while attending medical school at Harvard. He became FDA Commissioner, and led the fight against Big Tobacco, and also rolled out nutritional labeling. In this book, he goes even further, speaking out against the corporations that serve us highly processed, nutritionally lacking foods. Seems that since the 1980’s, processed food manipulation has risen tremendously, along with the average American’s weight! His book gives answers to why these foods have such control over us, and what we can do to change that dynamic so that we can eat the healthy, nutritious food that our bodies require for optimum health.

3. Always Looking Up: The Adventures of an Incurable Optimist by Michael J. Fox

Michael J. Fox rose to stardom as Alex Keaton in 1970’s series Growing Pains, and became a true “movie star” after driving the silver DeLorean “Back to the Future.” This book, however, shows how very human he is, and discusses the years of his life since Parkinson’s Disease created a major detour in the path that had been so certain. Michael deals with his progressive illness with grace, while always fighting back, and knowing that a cure is in sight. He maintains a positive attitude, humor, and optimism towards his illness, which is a lesson for us all to make the best of the situation we are dealt.

4. The 90-Second Fitness Solution: The Most Time-Efficient Workout Ever for a Healthier, Stronger, Younger You Pete Cerqua with Alisa Bowman, Contributor

The author owns and runs four gyms in NYC, and has been a fitness trainer for over 25 years. His program is both revolutionary and simple. Exercises are presented that can be done anywhere for a maximum of 90 seconds, with no workout clothes or special equipment. This plan can fit in the busiest lifestyle, and rave reviews say that it works!

5. Hungry Girl: 200 Under 200: 200 Recipes Under 200 Calories by Lisa Lillien

The latest in the Hungry Girl series, this book is chock full of recipes that are quick, easy, and under 200 calories! Many are modified, lower-calorie versions of restaurant foods, with lots of sweet-tooth satisfaction included.

Grace In Small things 14:365

2009-05-12T11:23:00.000-07:00

1. Just had a piece of fresh swiss cheese direct from Amish country. YUMMM!

2. Actually got a little suntanned yesterday. Spring is finally springing here in Northern OH.

3. Planted all my flowers, and two new clematis plants in the front yard. Should be beautiful.

4. Have a new position to Recruit for- IT job in Philly.

5. Had lots of love for Mother's Day and got to se all my favorite peeps:)

Grace In Small Things 13:365

2009-05-06T22:00:00.000-07:00

1. Just when we weren't sure if we had a real team, the Tribe clubbed the Red Sox tonight! Wahooo!

2. Found pictures online of the place in Germany where my ancestors were from- and the farm and house where they lived are still standing. One of my new goals is to make a trip to Naumburger Hof.

3. Puppy sleeps right next to me since his Daddy has been working at night the last couple weeks. He thinks he's a guard dog.

4. Thankfully, we live in an area where I'm never afraid at night by myself, even if the big guard dog wasn't here.

5.Walked on my treadmill for 30 minutes. It doesn't sound like much, but I've been slacking a lot lately.

Blogging, SEO, Online Marketing, .....

2009-05-05T19:33:00.001-07:00

I have learned so much in just the last few months about blogging, online article submission sites, SEO, online zines, the list goes on and on to infinity.

I have always wanted to be a writer. When I was a young girl, I would write short stories and poems almost daily. As I grew up and decided it would be a really hard way to make a living (at least in the early '80's) I just stopped writing and started reading instead.

In today's world, it is so much easier for a writer to get started making a living. I guess I have to expand that to say it's probably easier for any business to get started, as far as being able to draw themselves publicity- many times for free!

Many people are going into business for themselves, out of necessity, in the current slump. Some have always wanted to, and being laid off afforded them the opportunity. Others are less enthusiastic converts, preferring the relative safety (now? I don't think so) of a 9 to 5 job.

I think that regardless of what path you choose at this point, the internet remains the present and future of marketing any business. So get to work learning all you can about who the experts are, what the best sites are for your particular interests, when and where you should advertise, and how do you put it all together into a marketing campaign that will drive traffic to your business, whether it's in cyberspace or brick and mortar.

http://www.blogcatalog.com/directory/lifestyle/living-well

Grace In Small Things 12:365

2009-05-05T18:37:00.000-07:00

1.Getting closer to living in FLA permanently:) Testing for a govt. job on the 18th.

2.Lebron James is MVP of the NBA. Those of us from Cleveland or Akron know he's super-talented, super-famous, super-rich, but also the most humble guy you'll ever meet. He actually accepted the award at his high school in Akron.

3.The Cavs are beating the Hawks in downtown Cleveland by a score of 39-30 as I type this. Don't want to jinx them, but I think they are unstoppable this year!

4.Somebody will surely make some moves, kick some people in the pants to get the Indians playing like major leaguers:)

5.Been reading, reading, reading about SEO and internet marketing, and I think I'm addicted.

Grace In Small Things 11:365

2009-05-02T22:01:00.001-07:00

1.Spent two hours weeding, planting, and mulching, with my big yellow dog by my side-- so relaxing!

2.Our city-wide yard sale is next weekend. Getting rid of the clutter around here.

3.The Bulls lost to the Celtics tonight- which means our Cavs will eventually be playing Boston. We have grudges to pay back there.

4.C.C. Sabathia lost another game for the Yankees.

5.My granddaughter is seven, and she wrote a book called "A Girl and her Dog." We've already discussed having it published- she only wants to sell it at Walmart and her own bookstore that she's going to open:) LOL --But, seriously, she's a good writer, and an even better artist.

Grace In Small Things 10:365

2009-04-30T00:04:00.000-07:00

1. Filled my car up today for $26.13, and was thrilled! (Husband normally does this for me, and the last day I did it, it cost me over $50.

2.Found a great new website building tool- a new toy, a new toy!

3.Found a great deal on a used washing machine to replace my daughter's broken one so that her dirty clothes can stay at her house.

4. Husband is finally getting more than one day a week of work. At the moment he's driving for a company working on a big freeway project. His real job, as plant manager of a concrete plant-- we are not sure of anything anymore. Such is life in Northeast Ohio right now.

5.Found out about some great writing contests that I'm going to try!

6.Had to add an extra just to say I give Barack an "A" for all he's done to fix the mess he inherited from Dubya and Dr. Evil, so far. At least someone cares about what's going on now.

Ten Smart Tips to Creating a Good First Impression

2009-04-26T20:28:00.001-07:00

Ten Smart Tips on Creating a Good First Impression

You cannot over-estimate the impact that your image has on job searching and career advancement!

Other's first impressions are generally determined within the first minutes of meeting- which means you need to make a positive impact right away! People's perception of you is based mostlyon your physical appearance, and many people will assume so much about you—what do you want them to assume about YOU?

Many Career Coaches and Executive Recruiters, myself included,
believe interviewers and hiring authorities assume your personality, level of past success, education, and dependability based simply on how you look and present yourself.

Here are ten tips on making a GREAT first impression:

1. Take pride in how you look! Make sure your interview outfit shows a very professional side of you. For men, this generally means a dark suit, white dress shirt and coordinating tie with well polished dark shoes. Though women have much more leeway, you want your outfit to scream PROFESSIONAL. A nice, tailored suit, pantsuit, or even a very professional dress will fit the bill. Do not wear anything too tight, too short, too low cut-- anything that could be construed as the least bit sexy!

2. Absolutely essential is to make sure your clothing and shoes are in tip-top shape. Well-pressed, no stains, rips or tears, or badly scuffed soles. Even if it's necessary to purchase something new, or borrow from a friend, it will be worth it in the confidence boost it gives you!

3. Shouldn't even have to mention- but will: Good hygiene is imperative! Be certain to put your freshest face forward,including your minty-fresh breath. Men should be clean shaven, and any mustaches or beards should be neatly trimmed. Men's hair should be trimmed at or above the collar line, and make certain it's a professional-looking cut. (I had an otherwise perfect candidate rejected for a Sr. Acct. Exec. Position because he had, in the words of the Branch Manager, "Kramer hair" a la the Seinfeld show.) Ladies hair should be neat and in a professional style—and don't let it cover half your face.

4. Don't be extreme in anything! Ladies makeup should not be distracting, especially excessive eye shadow and lipstick. Your fingernails should be neatly trimmed and clean, with no wild designs or ultra-long nails. Minimal jewelry is plenty! One pair of earrings, a necklace, a watch, and two rings is plenty. Also, do not wear jewelry in any "non-traditional" places. I know that the fad nowadays is to pierce all your parts; you'll want to keep that side of you separate from business! No nose rings, lip rings, eyebrow rings, or earrings anywhere but the lobe.

5. Tattoos. I have three words: Cover them up! Many companies have a strict policy against visible tattoos, and the ones who don't probably also think they aren't very professional. So, unless you're Lebron James, you probably shouldn't flaunt your artwork at an interview.

6. Use your social skills! Be pleasant, shake hands politely and firmly, and SMILE! Project confidence, but not arrogance in your interview. Do not keep them waiting while you finish a cell phone call (would be funny if it hadn't really happened.) You will turn people off if they feel you are speaking down to them- so stay on their level.

7. Be careful of your body language. Did Mom ever tell you to sit up straight, get your elbows off the table, or watch your language? That's because she knew that people judge you by such things. So don't cuss like a sailor, slouch in your chair, or lean on the interviewer's desk. But do sit up straight and alert, making positive eye contact to show you are interested in what they have to say.

8. Show them your intelligence level by using proper English and a range of your vocabulary. Don't dominate the conversation, but don't sit silently in your seat. This is a two way interview- you need to find out enough about the company and the job offered to see if it's a good fit for you as well.

9. Ask questions! The company's agents expect you to be curious about the company and want to know more about it, and them. Do some preliminary research before-hand: check out the company website, look them up on Hoover's, even Google the names of the people you are going to see. This should give you plenty of questions, and maybe even some common interests to discuss.

10. Do not be negative about anything or anybody! If your last boss was a total moron, you need only say that you left to find a position which offered more opportunity. If there is something negative in your past, you do need to address it, but also tell them how you've corrected the problem since then.

Bottom-line, your ability to impress the interviewer with your vast knowledge of ABC Widgets is only as important as presenting yourself in a professional way. Do not let image hold you back when a few small tweaks will make you perfect!

Grace In Small Things 9:365

2009-04-26T19:36:00.000-07:00

1.Our daughter and her boyfriend took my husband and I to a concert last night. We saw a band play that we'd first seen together at Kent State in 1981, and they still kick butt after all these years!

2.I am so grateful also for the wonderful husband I've had all these years, and the three equally wonderful grown children we raised together.

3.It was warm enough today to watch our three sweet grandbabies run through the sprinkler and eat popsicles on the deck-- what could be better than that?

4.Our puppy Max is a nine month old yellow labrador retriever. Today he played in the sprinkler with the kids, licked peanut butter off their faces, and "helped" with their popsicles. The youngest one (she's almost four) even tried to ride him, and he didn't even budge. He's the perfect dog to be around kids.

5.I talked to my Mother today,(she lives in TN, and we are in OH) and she is healthy and happy, as always. She has always been there for all of us, and was the "cool mom" who took me and my friends wherever we wanted to go.

Grace in Small Things 8:365

2009-04-25T06:45:00.000-07:00

1.Another beautiful day on the North Coast:) (NE OH, for those who aren't from around here.)

2.Time and great weather to whip the yard into shape today, with a little help from a great husband and great puppy.

3.Going to spend some time tonight with some of our very favorite people, listening to one of Cleveland's best-kept secrets singing.

4.The Cavs are well on their way to sweeping the Pistons right out of the playoffs.

5.Draft day for the Browns-- the most excitement we get from them all year!

Grace in small Things 7:365

2009-04-24T20:18:00.001-07:00

1.Seven days of Grace! I am grateful that Schmutzie started this site, and that I found it.

2.The dizziness is finally going away. (Meniere's disease-it comes and goes, and always kicks my butt.)

3.Daughter brought her little puppy over to play with our big puppy today.

4.Going to see one of my favorite singers (Jonah Koslen/Michael Stanley) tomorrow night.

5. Absolutely perfect weather here today!

Grace in Small Things 6:365

2009-04-22T22:03:00.000-07:00

1.Warm up starts tomorrow, and we should be up to about 60 degrees, which is normal for this time of year in Northeast OH.

2.Starting on a "me, but thinner and better" eating plan in the AM, so I can feel healthy.

3.Found information about my ggrandmother that I'd been stumped on for months while working on our family genealogy. Fascinating stuff!

4.Learning about internet marketing and SEO-- there is so much more to learn.

5.Husand and I have decided our goal is to be in FLA before winter comes to stay next year.

Grace in Small Things 5:365

2009-04-22T22:00:00.001-07:00

1.My financial aid was approved to finish my Bachelor's Degree. I am so excited about that!

2.We have the sweetest dog in the world- he was bitten today by a pitbull at doggie day care, and we feel so bad that he was hurt.

3.Husband's unemployment was granted an extension. We're praying his company gets it's act together in the next couple of weeks.

4.Heard from my friend John who is deployed in Kuwait- everything is good there at the moment.

5.The rain finally stopped today!

10 Smart Tips for Getting the Interview

2009-04-21T07:21:00.001-07:00

It's no secret our economy is in a major slump and hiring companies are scarce. Getting the attention of the hiring manager and getting that all important interview is more important now than ever.

Here are some smart tips for getting your foot in the door:

1. Apply for jobs you are qualified to do!
This may seem like a no brainer, but in my business as an Executive Recruiter, probably a full 50% of the resumes I get do not remotely qualify for the position advertised. Don't think that someone will save your resume and call you when they get your perfect job. More likely, they'll think you aren't so smart, and toss you in the round file. (If your intention is just to get your resume in their hands in case something else comes along, make that known to them.)

2.Make your accomplishments stand out on your resume!
The old format of Objective, Experience, Education doesn't work well in today's fast-paced world. Most recruiters will scan a resume for ten seconds at most-- that's how long you have to grab their attention. So skip the objective, and put a list of accomplishments at the top, right below your name and phone number! This is not the time to be modest. Think of your resume as a sales flyer, and YOU are the product you're selling!

3.Make sure your resume can get past the "robot" screeners!
Many companies today use automated screeners- computer programs that look for specific keywords from the job description. Go through the job description thoroughly, and be certain that you use the exact words they do for experience that you have, and the computer will "match" you positively.

4.Make sure your resume is polished!
No matter if it's an entry level job or an executive position, people will think poorly of you if your resume contains errors. Proper grammar and spelling are of utmost importance. Use your word processing software's grammar and spell check, and also have someone else read it over.

5.Personalize your application!
Do a little sleuthing, and find out who the hiring authority for the position is, and a little about the company and what they do. Address your email personally, and focus your email cover letter on how you fit the company's culture or vision for the future. Speak to your interest in the job and the company!

6.Do not be annoying!
There are ways to totally turn off reviewers, and everybody has different pet peeves. Mine is when someone demands I get them this job. (Last I checked, the employer is paying me to find the best available person-maybe it's not you. Now, we can discuss what my fee would be for personal representation.) Other people hate it when someone marks their email "high priority" or acts like they're too good to answer questions that are asked. Keep in mind, these people are doing their job the way their boss wants them to. So be patient.

7. Your attitude is everything!
Be sure that every single interaction you have with an employer is positive and upbeat, including emails and phone conversations. It is true that you can hear a smile in someone's voice over the phone, and people like talking with happy people. Make sure they hear your smile!

8. Tell them WIIFM!
WIIFM means what's in it for me. In other words, what can you do to make their life, and job, easier? What can you do to help the company make, or save money? Address this in your email cover letter, and again when you talk with them by phone.

9. Get their attention, in a good way!
I've seen lots of crazy ideas , (sending a pizza with your resume taped to the top, sticking a post-it on it that gives you the thumbs up) that might get the hiring manager's attention, but....maybe not the right type. But do be proactive. Ask people you know for a personal reference-send those along with your resume and cover letter. If you know people at the company, ask them to personally recommend your work. Another trick is to leave a message on voicemail during the evening, so as not to disturb them during the day. Make it your "elevator pitch" about YOU, how you can benefit the company, and how interested you are in hearing from them to discuss the job.

10. Follow up!
Do not just send your resume in and hope for the best. Follow up with the employer a few days after sending your resume. If you have their number, call them and ask if they need any further information or clarification from you, otherwise, send an email with the same request.

Follow up enthusiastically and be persistent! After all, these are two good traits most employers want.

Six Word Resume

2009-04-20T18:37:00.000-07:00

Was reading a post by one of my favorite bloggers (link is here:
http://blogs.jobdig.com/wwds/2008/12/30/the-six-word-resume-contest-its-a-meme/) and had to play along.

So here is my six word resume-- think I can get hired?

Great employee-Diverse background-works cheap

Grace in Small Things 4:365

2009-04-20T18:07:00.000-07:00

1. Two out of three of the writing leads I got over the weekend were good, and I'm pretty sure one will lead to ongoing work.

2.Picked up a new recruiting client today that is one of the biggest healthcare companies in the U.S. I'm expecting big things from that relationship!

3.Got my fancy new phone today, which I picked up for a song on Ebay:)

4.I read an article today that says most modern cars can get a million miles with proper maintenance- so I still have 900,000 or so before I'll need a new one. Ahhhh!

5.I've completely given up pop, even sugar-free, and feel much better.

What gets your attention sales-wise?

2009-04-19T19:16:00.000-07:00

I was reading another blog (bigbrightbulb.com) and there is a discussion about the "10 words that don't sell anymore," and the author mentioned that it is subjective. Everybody has their own list of "tune-outs," where your eyes glaze over and you are anyplace but in front of that salesperson.

Similarly, we all have our "hot buttons"- those things that get us to sit up and pay attention. I'd have to say my list has changed considerably during the last six months with the economy (and my bank account) in such a sorry state!

So, with those things in mind-- my ten are:

1.Practical
2.Efficient
3.Reasonable
4.Safe (pistachios, anyone?)
5.Comfortable
6.Chemical free (can't stand them in my food, or my clothes, etc.)
7.DIY
8.Fresh
9.Handy
10.Prompt (service)

Anybody have others that I've missed? What excites you enough to make a purchase of a product or service?

Grace in Small Things 3:365

2009-04-19T18:56:00.000-07:00

1. I received three emails today pertaining to freelance writing jobs which I will follow up on tomorrow. Yay! Work!

2. It was a gloomy day here- in other words, perfect for cleaning out my closets.

3. Learned more about SEO, which will help with copywriting jobs.

4.Have some Recruiting Jobs to fill this week-- yay, how long has it been for that?!

5. Ate right all day today-- major accomplishment for me:)

2:365

2009-04-18T22:32:00.000-07:00

Late posting this- Saturday edition:)
1.My little Brennan had an incredible birthday party at Memphis Kiddie Park- he is six.

2.The weather cooperated perfectly for the party.

3.The Cavaliers are looking like this just might be their year...finally!

4.It's just one game, but the Indians clobbered the Yankees today 22-4. Amazing!

5.We have the world's sweetest grandchildren-they really are:)

Grace In Small Things

2009-04-17T09:53:00.001-07:00

1.See above/below photo of the two sweet dog s in my life.

2.It's a beautiful, sunshine-y day here in Ohio.

3.Our Cleveland Indians beat up the Yankees yesterday. Woohoo!

4.My husband let me sleep in, because I could today.

5.Found long-lost info about my great greatgrandmother on the web.

What man's best friend teaches us.

2009-04-16T22:54:00.000-07:00

"It's not the size of the dog in the fight, it's the size of the fight in the dog."

---Mark Twain

These two sweet puppies are Max, our eight month old Lab, and his "cousin" Miss Madison, who is 11 weeks old. They fight like crazy, and believe it or not, Maddie always gets the best of our sweet and lovable moose.

Refer to quote above. The smallest dog is capable of defending itself against insurmountable odds. Our daughter has had Madison for two weeks. She came in with her teeth bared, prepared to show Max who was boss. She did just that! It wasn't necessary with him, but she wanted him to know she was the Alpha Dog.
You are the most amazing person on the planet, and they must be near you at all costs. What a pick-me-up for whatever ails you!
Who is happiest to see you when you get home-- your husband/wife, or your dog?
Yell, and your dog will run away and hide. Nobody likes you when you're crabby.
When they're tired, they sleep. When they're hungry, they eat.
When it's nice outside, they don't wanna come in!
You just got out of bed, your breath stinks and your hair is a mess. They think you're beautiful and will even give you a big kiss!
When you are feeling blue, they will lay their head in your lap and let you talk or cry- they know their mere presence soothes you.

I'm not saying go out and take on the responsibility of a new family pet. (Though if you do, please "rescue" one from a shelter if possible. Many have been left homeless along with their people)

I've heard dogs live for the moment. They apparently don't have good memories and can't put situations together, so they live spontaneously. Drop the leash and they'll take off, ears flapping in the breeze, with no sense of consequences.

We could all use some of those ear-flapping, feel good moments ourselves! Spring is here---use it as an opportunity to get out and soak up some fun! (It is totally free.)

Mutiple streams of income......

2009-03-19T10:27:00.000-07:00

December 31, 2008—so much to be optimistic about! New Year, new young President who would dig in and fix things for us!
By the time the hangovers were gone, we realized it wasn’t going to be that simple. Opinions differ on how long we’ll be mired in this muck. GM and Chrysler are unstable, AIG and Citigroup are getting by with a little help from friends (ahem) and the unemployment rate is higher than in 20 years.

Which brings me to the point of my blog: Ben Bernanke says this recession will end this year, and I believe him—because I need to for my sanity! So my new mantra is “Until 2010.”

Our family, like most everyone else that I know, has not been untouched by this economy. My husband and son work for the same company, have both had a really long, long winter vacation, and both jobs are still touch and go. I am a third-party Recruiter (Headhunter, if you must say it!) and client orders for new employees are few and far between in times of hiring freezes, layoffs, bankruptcies, and company closures.

How can people survive and thrive in this kind of environment?

This blog will be dedicated to only positive, uplifting ideas—things that can get us though “Until 2010!”

We need to look at these times as life lessons. In looking for ways to diversify our income, I am learning so much about technical things, and even more about myself. You learn how strong you are, and how much you know about countless things. There is no reason to limit yourself to just one “day job.”

Speaking of diversifying your income, there are so many things you can do besides work 9 to 5 to make money. If you have a hobby or interest- have you ever thought about a business in that area? Passion for your work makes it not seem like work!
Craigslist isn’t a great place to look for a job, (too many scams) but it is a good place to look for inspiration. These are all ideas from Craigslist in the last few days:
· Gutter cleaning
· Foreclosure clear-outs
· Interior painting
· Corn hole manufacturer
· Court process server
· Carpet cleaning
· Spring Landscape cleanup
· Photography
· Tutoring
· Pet sitting and dog walking
· Child care
· Running errands for elderly
· Picnic table builder
· Outdoor play structure builder
· Virtual administrative assistant
· Bookkeeping
· Telemarketing from home
· Simple website design
· Typing student papers
· Grant and technical writer
· Hair cutting, coloring, perms, etc.
· Manicures and pedicures
· Massages
· Collections
· Modeling
· Rehab and remodeling projects
· Deck building
· Roofing
· Tree service
· Appointment setting
· Computer repair and virus removal
· Vent cleaning
· Desktop publishing
· Tax preparation
· Housekeeping
· Insulation installation
· Shelving/closet installer
· Flea markets, Craigslist, and Ebay
· Pressure washing
There are very diverse needs in the marketplace. Keep your mind, eyes, and ears open—and where you see a need, fill it.
Politicians are talking about creating jobs, but I’m afraid they’ll all be $8.00 an hour jobs that no one can raise a family on. Think about creating your own job- where you get to decide when and where you work, and how much you get paid:)