It seems like I awoke one day and life changed big time, it feels different because it is! I was thinking about other recessions that I had been through and no matter how dire it was I could always find a way to sustain the roof over my head, pay bills, if only barely, but survive until the worst was over. I did this by working a part time job to supplement my frozen day job salary - yes, back then you could find a part time job rather easily.
After re-inventing my career 3 times over the last 2 recessions I never dreamed I would be in a position to have to do it again - problem is... re-invent to what? With credit frozen and the job market almost impossible all avenues have been blocked, so what does one do to survive?
I found one avenue that my be potential to an income - drop shipping. Drop shipping allows anyone to sell various products either on their own web site or an auction site like EBAY without a dime of out of pocket costs (perfect for someone out of work and out of money) now the trick is finding an actual legitimate wholesale drop shipper that isn't a middleman acting as a real drop shipper.
I have been researching this for more than a month (reason I have been absent from my blog) I have found many scammers such as sites that sell drop ship lists, sites who portray themselves as drop shippers but are actually middlemen and ebooks on how to find real drop shippers, all scams. Let me break this down for you:
1.) Sites that sell wholesale drop ship lists - no one should ever have to pay for lists - there are sites that have wholesale drop ship lists that are FREE - so do not pay for lists.
2.) Sights who portray themselves a wholesale drop shippers but are actually middlemen - these sites have either accumulated lists, bought lists from other sites or are selling their web site services or a mix of both and have set out looking for memberships for a fee.
For a monthly fee (anywhere from $19.95 to $299.00) they will give you full access to their lists and for a higher monthly fee set up a web site for you so you can sell the wholesale products, they do all the work for you. Now this sounds great except that the best wholesale prices that you should get are now marked up by the middlemen so that they can make a profit on top of the membership fee which means, you do all the work and make a lot less profit. This is not a win win by no means and if you sold your products on EBAY or other auction sites you still have to deduct those fees - so profit is scant.
Better way to go would be the real wholesale drop shipper from the free lists that you call and sign up with or someone like Worldwide Brands who has all the tools for one to succeed with real low wholesale prices and a one time fee of $299.00 that gives you everything you need to get up and running and...for a lifetime membership including your own website and or auction site, domain name, they even have a tool that tells you what products are selling and which ones aren't which maximizes your time and profits.
Now they are a conduit to the wholesalers but are light years away from the scammers, they have a pretty good rating with the BBB rating, deal with any problems quickly and have actual customer service reps to assist you with you biz including training. www.worldwidebrands.com
If your out of work and can't find a job, like me, it is worth looking into - if anyone wants more info please feel free to email me and I will forward what I have on this subject.
Have a great day and thanks for visiting mainstreet.
Tuesday, April 7, 2009
Monday, March 23, 2009
No Matter What Obama Does - The Media Isn't Satisfied!
Hello Everyone, I have been ill the last couple of weeks and I apologize that I haven't been able to write. I'm back and feeling 90% better!
My pet peeve today is again... the Media - The News Media has sunk to new lows - they have ZERO respect for the President of the United States, it seems that the Media's quest for the drama and top ratings has no bounds - nothing is off limits - I find this so appalling and distasteful. The Main Street Media should know better and it is quite clear that they don't.
No matter what this guy does it's never good enough, if he sounds cautious; they say...don't you think he should be speaking more positive - he then speaks more positive and they say...don't you think he was too positive, maybe he should have been more cautious - what? It isn't news when things go right - so it's their job to make things look wrong which I feel is a huge disservice to all of us. We want the real facts and not their rating grabbing rhetoric.
He decided to be with his family over the weekend to get ready for Easter instead of going to the Media's annual Grid Iron dinner, he was blasted today for choosing his family over the reporters dinner - are you kidding me????????
One day he's doing too much and the next he's not doing enough or what he's doing won't work or it's overboard or it's costing too much. I find alot of back door politicking going on from people who really don't even know what they are talking about and it makes me irate because there are people out there who are going to listen to that bull session and agree or be swayed by what they say because their only knowledge of the day is coming from the tabloid like Media hacks.
The guy has been in office only a couple of months and I for one give him alot of credit for doing whatever it may take because doing NOTHING is not an option. Bush not only did nothing for 8 years, he helped put us where we are. This economic meltdown started 28 years before with Reagan, then Bush Sr. temporary halt with Clinton then picked up speed again with Jr. - people, the Republicans DO NOT LIKE THE MIDDLE CLASS!
They have been trying to do away with us for decades - their ideology is steeped in the belief that there should only be a Rich and Poor class of people. This is fact and if you have listened to them
over the last couple of months, they actually vent that truth every time they speak.
Now, they are trying to get Obama to put aside Health Care Reform for another time and concentrate on the Economy like he can't walk and chew gum at the same time, no worry here, Obama won't do that - thank god.
For all the scrutiny he has been under I give this President super high marks to not only deliver what he promised but to have the presence of mind to ignore all of them; the News Media, the Republicans and all the other naysayers who all have their own agenda's and none of them could care less about the middle class problems or the crisis that we are embroiled in. Bravo President Obama!!!
This guy is different (which I am soooo happy about) and Washington doesn't like different - you know what I say...TUFF! Change is here, roll with it or leave
I would really like to hear what everyone thinks about the Media's news reporting - do you think it sounds like news or tabloid fodder?
My pet peeve today is again... the Media - The News Media has sunk to new lows - they have ZERO respect for the President of the United States, it seems that the Media's quest for the drama and top ratings has no bounds - nothing is off limits - I find this so appalling and distasteful. The Main Street Media should know better and it is quite clear that they don't.
No matter what this guy does it's never good enough, if he sounds cautious; they say...don't you think he should be speaking more positive - he then speaks more positive and they say...don't you think he was too positive, maybe he should have been more cautious - what? It isn't news when things go right - so it's their job to make things look wrong which I feel is a huge disservice to all of us. We want the real facts and not their rating grabbing rhetoric.
He decided to be with his family over the weekend to get ready for Easter instead of going to the Media's annual Grid Iron dinner, he was blasted today for choosing his family over the reporters dinner - are you kidding me????????
One day he's doing too much and the next he's not doing enough or what he's doing won't work or it's overboard or it's costing too much. I find alot of back door politicking going on from people who really don't even know what they are talking about and it makes me irate because there are people out there who are going to listen to that bull session and agree or be swayed by what they say because their only knowledge of the day is coming from the tabloid like Media hacks.
The guy has been in office only a couple of months and I for one give him alot of credit for doing whatever it may take because doing NOTHING is not an option. Bush not only did nothing for 8 years, he helped put us where we are. This economic meltdown started 28 years before with Reagan, then Bush Sr. temporary halt with Clinton then picked up speed again with Jr. - people, the Republicans DO NOT LIKE THE MIDDLE CLASS!
They have been trying to do away with us for decades - their ideology is steeped in the belief that there should only be a Rich and Poor class of people. This is fact and if you have listened to them
over the last couple of months, they actually vent that truth every time they speak.
Now, they are trying to get Obama to put aside Health Care Reform for another time and concentrate on the Economy like he can't walk and chew gum at the same time, no worry here, Obama won't do that - thank god.
For all the scrutiny he has been under I give this President super high marks to not only deliver what he promised but to have the presence of mind to ignore all of them; the News Media, the Republicans and all the other naysayers who all have their own agenda's and none of them could care less about the middle class problems or the crisis that we are embroiled in. Bravo President Obama!!!
This guy is different (which I am soooo happy about) and Washington doesn't like different - you know what I say...TUFF! Change is here, roll with it or leave
I would really like to hear what everyone thinks about the Media's news reporting - do you think it sounds like news or tabloid fodder?
Thursday, March 12, 2009
No Job=No Funds to Pay Debts=Ruined Credit=No Job
What a vicious cycle - people who have lost their jobs and can't find another one easily sooner or later run out of money and now can't pay credit card bills and home payments which cause credit score decline. If not bad enough, employers are using credit background checks to weed potential employees out (as discussed in a previous article) so what are any of us suppose to do about this?
I have never seen anything like this in my life - to add insult to injury, anyone in this situation (there are millions I might add) are being treated like deadbeats for something they had no control over. Does any living person out there think that anyone would want to be jobless, default on their debts and live under enormous stress? I don't think anyone really cares how anyone feels or cares what most are going through, it seems employer's, banks, mortgage company's, etc., are out for number one.
The vicious cycle starts with the job loss, living off savings, retirement etc. while job searching and hoping something comes up before the money runs out. Money is running out, to stretch it further some bills can't be paid and now ones credit is being affected - now an additional worry sets in...when someone finally offers me a job will I get it now that my credit is damaged?
Are there any other avenues to make money? Let's face it, job boards & job fairs are pretty much a waste of time right now what with 15 million out of work and too few jobs to be had, and even networking, once giving a job seeker a good shot at a position, has weakened dramatically.
My theory is; try everything and hope something will stick and yes, this can be very frustrating when trying everyday doesn't bring much in the way of response - it starts to feel like defeat. I say, try other out of the box arenas like selling on an auction site (not ebay - it's too expensive) like etsy.com which is $5 bucks a month and you get your own storefront, shopping cart and checkout through etsy.com - you can create and set up in a couple of hours and it is sooooo easy to do.
There are alot of auction sites to use. What would you sell...anything you want like junk you find at yard sales, in the trash on clean up week, personal stuff you don't want anymore like video games, ipod, cds, records, tapes, books, clothes - you get the idea.
What about drop shipping - this costs pretty much nothing - you locate a reputable drop shipper online like doba.com, do your research on each one, when you settle on one that seems really legit, sign up with them (some want a $149 one time membership fee which is for life with no monthly fee or you can do the monthly membership fee which is usually between $29.95 - 59.95 a month, one time fee makes more sense) once you sign up you get to choose from 10's of 1000's of items you want to sell on your website that the drop shipper sets up for you or you can set your own up or you can sell on any auction site - options are there. The merchandise is at wholesale prices from the drop shipper - when someone buys something on your sight they pay through paypal, with a credit card or check which goes directly to the drop shipper, you send them the order and they will ship directly to your customer - no need to buy or inventory anything. The drop shipper will then pay you a commission on the difference between the wholesale price you get and the retail price the item actually sold for - Example: Ipod Mini - your wholesale price - $40.00 / Retail price you sold it for $95.00 - your commission would be $55.00.
The power sellers on Ebay have been doing this for years, that is how they became power sellers! Before choosing items to sell go online like Ebay and find out what is selling, what are hot items, now in 2009. Even in this economy people are still buying video games and game consoles, perfumes, cosmetics, skin care items etc. - DO RESEARCH before you start, but it is one way to start a business that has very little out of pocket. Most of us could scrape up $150 bucks if it means bringing in several hundred to several thousand extra dollars per month and relieve some stress. If you find a job this could still be done part time. Again, MAKE SURE TO DO THE RESEARCH FIRST! There are legit company's out there - GO TO: dropshipreview.com this is a site that has done all the research and tested these drop shippers - this will give you some insight into this opportunity.
Let me know what your thoughts are on this. Thanks for reading!
I have never seen anything like this in my life - to add insult to injury, anyone in this situation (there are millions I might add) are being treated like deadbeats for something they had no control over. Does any living person out there think that anyone would want to be jobless, default on their debts and live under enormous stress? I don't think anyone really cares how anyone feels or cares what most are going through, it seems employer's, banks, mortgage company's, etc., are out for number one.
The vicious cycle starts with the job loss, living off savings, retirement etc. while job searching and hoping something comes up before the money runs out. Money is running out, to stretch it further some bills can't be paid and now ones credit is being affected - now an additional worry sets in...when someone finally offers me a job will I get it now that my credit is damaged?
Are there any other avenues to make money? Let's face it, job boards & job fairs are pretty much a waste of time right now what with 15 million out of work and too few jobs to be had, and even networking, once giving a job seeker a good shot at a position, has weakened dramatically.
My theory is; try everything and hope something will stick and yes, this can be very frustrating when trying everyday doesn't bring much in the way of response - it starts to feel like defeat. I say, try other out of the box arenas like selling on an auction site (not ebay - it's too expensive) like etsy.com which is $5 bucks a month and you get your own storefront, shopping cart and checkout through etsy.com - you can create and set up in a couple of hours and it is sooooo easy to do.
There are alot of auction sites to use. What would you sell...anything you want like junk you find at yard sales, in the trash on clean up week, personal stuff you don't want anymore like video games, ipod, cds, records, tapes, books, clothes - you get the idea.
What about drop shipping - this costs pretty much nothing - you locate a reputable drop shipper online like doba.com, do your research on each one, when you settle on one that seems really legit, sign up with them (some want a $149 one time membership fee which is for life with no monthly fee or you can do the monthly membership fee which is usually between $29.95 - 59.95 a month, one time fee makes more sense) once you sign up you get to choose from 10's of 1000's of items you want to sell on your website that the drop shipper sets up for you or you can set your own up or you can sell on any auction site - options are there. The merchandise is at wholesale prices from the drop shipper - when someone buys something on your sight they pay through paypal, with a credit card or check which goes directly to the drop shipper, you send them the order and they will ship directly to your customer - no need to buy or inventory anything. The drop shipper will then pay you a commission on the difference between the wholesale price you get and the retail price the item actually sold for - Example: Ipod Mini - your wholesale price - $40.00 / Retail price you sold it for $95.00 - your commission would be $55.00.
The power sellers on Ebay have been doing this for years, that is how they became power sellers! Before choosing items to sell go online like Ebay and find out what is selling, what are hot items, now in 2009. Even in this economy people are still buying video games and game consoles, perfumes, cosmetics, skin care items etc. - DO RESEARCH before you start, but it is one way to start a business that has very little out of pocket. Most of us could scrape up $150 bucks if it means bringing in several hundred to several thousand extra dollars per month and relieve some stress. If you find a job this could still be done part time. Again, MAKE SURE TO DO THE RESEARCH FIRST! There are legit company's out there - GO TO: dropshipreview.com this is a site that has done all the research and tested these drop shippers - this will give you some insight into this opportunity.
Let me know what your thoughts are on this. Thanks for reading!
Sunday, March 8, 2009
Networking and Job Fairs
I don't know about anyone else but Job Fairs to me are akin to being on a bread line, everyone is there because they need to eat and fearful that when it's their turn - no food will be left.
What one would find at most of these Fairs are tables where the Company Representatives sit waiting to speak with droves of people looking for a job. Dressed appropriately, resume in hand, you are waiting your turn to speak with a potential employer, hoping that you make an impression that will outdo all the others that are there for the same job and to boot...in the 5 minutes usually allotted.
Job Fairs - who came up with that idea? This idea works for Company's, it's cost effective - just one ad is placed showcasing all the employers involved, it's impersonal - no phone calls, you meet job starved candidates that came to you - for 5 minutes, take their resumes and their on their way without the need of a real interview, aah, any employers dream meet!
I personally see few upsides with this process - I have heard that a scant few who attend these Fairs actually get a call for these supposed job openings. I had a friend who was sent to a Job Fair by referral from a Company to meet with a representative for a job he was interested in - it really meant nothing, he got his 5 minutes just like everyone else there and never heard from the Company.
These Fairs are nothing more than fact finding ventures in my opinion, it tells a company what caliber of employee potential is out there, what salaries they can get away with offering and... resumes make for great marketing lists for potential customers. I know, I know that I sound negative, but I stand by my negativity on this front especially, how on earth can any employer make a determination whether a candidate is a fit for the position by speaking with them in a frenzied environment for 5 or 10 minutes??? My take is not far fetched, is it? So next time a Job Fair comes up and you go, pay attention to the process and jot down how many calls you receive for an interview. And by the way, if your still going to Job Fairs... I think you have your answer, time for a new plan.
Now, as far as networking goes I think we all have a little better shot at that job avenue. Grant it, it was a much better shot a couple of years ago. Now, with the recession it's much harder and only because company's have cut back on hiring and knowing someone in the company and getting a referral isn't a sure thing, but it's gives most job seekers a far better chance of being hired because many hiring managers, when given the option, would rather employ someone through referral than a total stranger.
Networking is by far a stronger option than the Job Fairs circuit - which in my opinon is just a waste of time.
What one would find at most of these Fairs are tables where the Company Representatives sit waiting to speak with droves of people looking for a job. Dressed appropriately, resume in hand, you are waiting your turn to speak with a potential employer, hoping that you make an impression that will outdo all the others that are there for the same job and to boot...in the 5 minutes usually allotted.
Job Fairs - who came up with that idea? This idea works for Company's, it's cost effective - just one ad is placed showcasing all the employers involved, it's impersonal - no phone calls, you meet job starved candidates that came to you - for 5 minutes, take their resumes and their on their way without the need of a real interview, aah, any employers dream meet!
I personally see few upsides with this process - I have heard that a scant few who attend these Fairs actually get a call for these supposed job openings. I had a friend who was sent to a Job Fair by referral from a Company to meet with a representative for a job he was interested in - it really meant nothing, he got his 5 minutes just like everyone else there and never heard from the Company.
These Fairs are nothing more than fact finding ventures in my opinion, it tells a company what caliber of employee potential is out there, what salaries they can get away with offering and... resumes make for great marketing lists for potential customers. I know, I know that I sound negative, but I stand by my negativity on this front especially, how on earth can any employer make a determination whether a candidate is a fit for the position by speaking with them in a frenzied environment for 5 or 10 minutes??? My take is not far fetched, is it? So next time a Job Fair comes up and you go, pay attention to the process and jot down how many calls you receive for an interview. And by the way, if your still going to Job Fairs... I think you have your answer, time for a new plan.
Now, as far as networking goes I think we all have a little better shot at that job avenue. Grant it, it was a much better shot a couple of years ago. Now, with the recession it's much harder and only because company's have cut back on hiring and knowing someone in the company and getting a referral isn't a sure thing, but it's gives most job seekers a far better chance of being hired because many hiring managers, when given the option, would rather employ someone through referral than a total stranger.
Networking is by far a stronger option than the Job Fairs circuit - which in my opinon is just a waste of time.
Thursday, March 5, 2009
Job Listings - Reading between the lines
You spend all day reading through job listings and come across several that you think are a perfect fit for your background and experience, you apply. Days go by and you hear nothing.
This is pretty typical for most of us searching for jobs and we all wonder...what happened to the last 20 jobs that resumes were submitted on or the last 10 positions that are still listed 2 or 3 weeks after?
Unless a Company actually responds to an applicant there is no way to contact them (unless they show the name of the company) it is basically anonymous. What could some of the reasons be for this behavior? I did a little research and this is some of what I found:
1.) The Computer - when someone applies for a job there is a computer that reads the resumes for specific key words related to that job before landing at the Company. If the right keywords aren't there, bye bye resume before it even gets to where it needs to go for consideration and we will never know it happened.
2.) Place in the search engine - If you haven't tweaked a word here and there in your resume (to refresh and keep it at the top of the search engine) at least every couple of weeks your resume will become stale and slide lower and lower in the search engine .
3.) Gathering information - some company's post job listings for information purposes, when we forward our resumes we typically have our name, address and phone number on the resume - paying for a post is far cheaper than buying a mailing list.
4.) Jobs you have no hope of being hired for - Many jobs posted are from company's that are only going to hire from the inside, but by law they have to make them available to outside job seekers - some may actually call you, give you a phone interview and appoint a face to face and then you never hear back from them. It's because it was never their intention to hire from the outside - do they care that they wasted your time? No, they only care about covering their own backs!
5.) Scam jobs - scammers have found a new way to find marks... the job boards. They know that people are desperate to find work and place legitimate looking and sounding job listings, usually with great pay and benefits geared to many different positions. We, thinking it's legit, otherwise it wouldn't be on reputable job boards, apply for them. The next day your getting an email response (usually the email address is gmail - red flag right there) from the supposed employer who is in another country that needs to hire US workers to do business here - they are SCAMS!
In my research I also learned that maybe 30% of jobs listed are actual jobs that are available, so what can a job seeker do? Unfortunately, not much because there is no way to know which jobs are legit and which are not unless you yourself keep a record of every job you read and compare them on a monthly basis and after several months it may tell the real story. That is just way too much work when your looking for a job, so what's the alternative?
I hate to be the bearer of bad news, but it is starting to look like that in this recession, unless the job opening is in a company that someone you know works there and has alot of clout, the odds of getting hired may be slim. My research also showed that it takes a minimum of 17 face to face interviews before a job seeker may be offered a job.
I believe that it comes down to who you know and/or getting in front of "the right person" that is looking for "the right person" and not company's who weed great, experienced candidates out by saying they are over qualified, under qualified, made too much money before and will leave later, who has the degree that really isn't needed for the position and so on. That could happen fast or may take some time, but my opinion...chances of it happening from the Internet are slim.
There is a site where jobs are posted directly from inside each company looking to fill openings, these company's NEVER post on outside job boards. The website is: www.linkup.com (NOT linkedin)
I would also continue to look in the Sunday newspaper, believe or not some company's still place want ads the traditional way. Send out your resume to company's that hire in your field - there may be a job coming up where your experience is needed and the company wouldn't need to place ads or wade through mountains of resumes. Also, networking with people you know who have a job.
My next topic is Networking and Job Fairs- do they help better the odds?
This is pretty typical for most of us searching for jobs and we all wonder...what happened to the last 20 jobs that resumes were submitted on or the last 10 positions that are still listed 2 or 3 weeks after?
Unless a Company actually responds to an applicant there is no way to contact them (unless they show the name of the company) it is basically anonymous. What could some of the reasons be for this behavior? I did a little research and this is some of what I found:
1.) The Computer - when someone applies for a job there is a computer that reads the resumes for specific key words related to that job before landing at the Company. If the right keywords aren't there, bye bye resume before it even gets to where it needs to go for consideration and we will never know it happened.
2.) Place in the search engine - If you haven't tweaked a word here and there in your resume (to refresh and keep it at the top of the search engine) at least every couple of weeks your resume will become stale and slide lower and lower in the search engine .
3.) Gathering information - some company's post job listings for information purposes, when we forward our resumes we typically have our name, address and phone number on the resume - paying for a post is far cheaper than buying a mailing list.
4.) Jobs you have no hope of being hired for - Many jobs posted are from company's that are only going to hire from the inside, but by law they have to make them available to outside job seekers - some may actually call you, give you a phone interview and appoint a face to face and then you never hear back from them. It's because it was never their intention to hire from the outside - do they care that they wasted your time? No, they only care about covering their own backs!
5.) Scam jobs - scammers have found a new way to find marks... the job boards. They know that people are desperate to find work and place legitimate looking and sounding job listings, usually with great pay and benefits geared to many different positions. We, thinking it's legit, otherwise it wouldn't be on reputable job boards, apply for them. The next day your getting an email response (usually the email address is gmail - red flag right there) from the supposed employer who is in another country that needs to hire US workers to do business here - they are SCAMS!
In my research I also learned that maybe 30% of jobs listed are actual jobs that are available, so what can a job seeker do? Unfortunately, not much because there is no way to know which jobs are legit and which are not unless you yourself keep a record of every job you read and compare them on a monthly basis and after several months it may tell the real story. That is just way too much work when your looking for a job, so what's the alternative?
I hate to be the bearer of bad news, but it is starting to look like that in this recession, unless the job opening is in a company that someone you know works there and has alot of clout, the odds of getting hired may be slim. My research also showed that it takes a minimum of 17 face to face interviews before a job seeker may be offered a job.
I believe that it comes down to who you know and/or getting in front of "the right person" that is looking for "the right person" and not company's who weed great, experienced candidates out by saying they are over qualified, under qualified, made too much money before and will leave later, who has the degree that really isn't needed for the position and so on. That could happen fast or may take some time, but my opinion...chances of it happening from the Internet are slim.
There is a site where jobs are posted directly from inside each company looking to fill openings, these company's NEVER post on outside job boards. The website is: www.linkup.com (NOT linkedin)
I would also continue to look in the Sunday newspaper, believe or not some company's still place want ads the traditional way. Send out your resume to company's that hire in your field - there may be a job coming up where your experience is needed and the company wouldn't need to place ads or wade through mountains of resumes. Also, networking with people you know who have a job.
My next topic is Networking and Job Fairs- do they help better the odds?
Tuesday, March 3, 2009
The News Media - Drama TV
Over the last few weeks I have become exasperated with the TV News - ALL OF THEM! I made mention of the drama they crave in another post and it seems to get worse by the day.
The News Media has found gold when digging for their drama with the Internet, sites like Facebook, Twitter etc., give the Media a whole new arena to play in to cultivate drama at it's highest. They have brought all of us into their web and their desperate need to be the ratings king.
The problem I have is that one day their pro, for example, President Obama, the deficit, the economy, health care reform, tax cuts for the middle class, tax increases for the rich and that Wall Street and the Banks should be accountable for the TARP money and their irresponsibility and greed that got us in this mess, and the next day they are against anything that is put out there to help this disaster and they are ripping everyone and everything apart.
Confused? No, I know what is going on and what I agree or disagree with it's not that, it's that instead of reporting the news and keeping their opinions to themselves as reporters they stir the pot and rile everyone up. When I hear one of the hosts ask their political guests what Obama should do or what's your take on this plan, it makes me incredibly angry - like, what do they know??? Even if the guests had one time worked in Washington this is now, not then and the situation is completely different, what worked then may not work now so their contribution to now is basically useless so what is the real point? Ratings
The News Media should not be about changing public opinion, slanting the truth or dramatizing important information. I don't know about everyone else but I would like the News Media to do what the medium was intended to do and that is to report the news exactly the way they get it - this is not Hollywood or the Star magazine and I think the public wants the real deal, to make up their own minds and not have someone else lead them to their way of thinking.
We all have a right to freedom of speech and to air our opinion but the news media is suppose to be unbiased and as hard as they try - they are not!
I would like to hear how you all feel about it.
Thanks for being here.
The News Media has found gold when digging for their drama with the Internet, sites like Facebook, Twitter etc., give the Media a whole new arena to play in to cultivate drama at it's highest. They have brought all of us into their web and their desperate need to be the ratings king.
The problem I have is that one day their pro, for example, President Obama, the deficit, the economy, health care reform, tax cuts for the middle class, tax increases for the rich and that Wall Street and the Banks should be accountable for the TARP money and their irresponsibility and greed that got us in this mess, and the next day they are against anything that is put out there to help this disaster and they are ripping everyone and everything apart.
Confused? No, I know what is going on and what I agree or disagree with it's not that, it's that instead of reporting the news and keeping their opinions to themselves as reporters they stir the pot and rile everyone up. When I hear one of the hosts ask their political guests what Obama should do or what's your take on this plan, it makes me incredibly angry - like, what do they know??? Even if the guests had one time worked in Washington this is now, not then and the situation is completely different, what worked then may not work now so their contribution to now is basically useless so what is the real point? Ratings
The News Media should not be about changing public opinion, slanting the truth or dramatizing important information. I don't know about everyone else but I would like the News Media to do what the medium was intended to do and that is to report the news exactly the way they get it - this is not Hollywood or the Star magazine and I think the public wants the real deal, to make up their own minds and not have someone else lead them to their way of thinking.
We all have a right to freedom of speech and to air our opinion but the news media is suppose to be unbiased and as hard as they try - they are not!
I would like to hear how you all feel about it.
Thanks for being here.
Sunday, March 1, 2009
Bad Credit= No Employment for Millions? Unfair? You Bet!
After 16 yrs as a Loan Officer I am one of the many tens of thousands in the Real Estate Industry who can no longer make even a small living in this field. So I have been looking for a job in a different field where I can use some of my background in sales, customer service and credit. It has been a very frustrating and exasperating experience. I can not believe that the Internet is pretty much the major way to apply for a job, I find this to be incredibly tasteless and totally unprofessional not to mention anonymous and impersonal. Just the way Company's like it!
Nothing seems to work in this particular recession and networking, job fairs, job banks etc., are just as frustrating. My big concern is that Company's are using discrimination as a weeding out process to reduce the onslaught of applicants whether they are viable or not. Here are the areas that seem to be a theme in many job listings:
1.) Must have a degree (BA, BS min) prefer Masters - for a Customer Service Manager or Bank Teller job? What happened to a viable candidate who has experience to actually do the job??
So Basically, if you have 15 yrs Customer Service or Teller experience and are super at what you do, if you don't have a degree - DON'T EVEN THINK ABOUT APPLYING! dDiscrimination? I do think so.
2.)Youth oriented Company, position is fast paced, need high energy, at least 1 hr experience, must show up everyday, great for college graduate - this screams out loud "no one under 30 wanted" which is saying in a nutshell - we want to pay low, we don't want the health insurance costs or anyone who may get sick or when they are there ...move or think like a turtle. Are you kidding me, I had no idea that if your over 30 your basically useless. Discrimination? A huge yes.
3.) In depth background check - Some job listings will blatantly say...if your credit isn't good OR have a bankruptcy don't apply - when the only check that should really matter is CRIMINAL.
Credit Histories weren't intended for job discrimination or a reason to charge higher insurance rates, CREDIT was intended as an indicator of risk exposure for creditors when making loans, period. Now everyone over the last several years have been using Credit histories to discriminate against people who apply for jobs, insurance, rentals and just about anything they can to either weed people out or make a higher profit and our government ushered that along and NO ONE is doing anything to stop it. AGAIN, CREDIT HISTORIES AND SCORES ARE TO BE USED AS INDICATORS OF ONES ABILITY AND RESPONSIBILITY TO REPAY AND EMPLOYMENT IS ABOUT ONES ABILITY AND EXPERIENCE IN THEIR FIELD! PERIOD!!
In this recession (worst ever that was created by our government) millions of people have lost their jobs (through no fault of their own) what do you think our credit scores will be after we have run out of money because we have had to use up our savings, retirement accounts and unemployment to pay the mortgage and bills because we still can't find a job?
Bankruptcy's and Foreclosures are rampant and will continue if Company's are allowed to continue using a persons economic hardship (credit background) as a basis on whether or not to hire. Discrimination? A Huge, Huge, Huge yes!
There should be Criminal background checks done and they have been done for decades, an employee needs to feel safe in their work environment and Company's need to protect themselves, so a Criminal check is understandable. That check is enough to learn about a persons character and has been completely sufficient for years and years. Educational background checks are normal also, CREDIT is not.
I don't understand how businesses are getting away with this discriminative behavior, all the unemployed, people looking for better jobs, people who need to cover their health home or autos with insurance, educational loans etc., will continue to pay dearly now and in the future if this is not stopped.
We need to call, write and email our Government, state reps and senators to complain and demand a stop to credit being used to discriminate against all of us.
Nothing seems to work in this particular recession and networking, job fairs, job banks etc., are just as frustrating. My big concern is that Company's are using discrimination as a weeding out process to reduce the onslaught of applicants whether they are viable or not. Here are the areas that seem to be a theme in many job listings:
1.) Must have a degree (BA, BS min) prefer Masters - for a Customer Service Manager or Bank Teller job? What happened to a viable candidate who has experience to actually do the job??
So Basically, if you have 15 yrs Customer Service or Teller experience and are super at what you do, if you don't have a degree - DON'T EVEN THINK ABOUT APPLYING! dDiscrimination? I do think so.
2.)Youth oriented Company, position is fast paced, need high energy, at least 1 hr experience, must show up everyday, great for college graduate - this screams out loud "no one under 30 wanted" which is saying in a nutshell - we want to pay low, we don't want the health insurance costs or anyone who may get sick or when they are there ...move or think like a turtle. Are you kidding me, I had no idea that if your over 30 your basically useless. Discrimination? A huge yes.
3.) In depth background check - Some job listings will blatantly say...if your credit isn't good OR have a bankruptcy don't apply - when the only check that should really matter is CRIMINAL.
Credit Histories weren't intended for job discrimination or a reason to charge higher insurance rates, CREDIT was intended as an indicator of risk exposure for creditors when making loans, period. Now everyone over the last several years have been using Credit histories to discriminate against people who apply for jobs, insurance, rentals and just about anything they can to either weed people out or make a higher profit and our government ushered that along and NO ONE is doing anything to stop it. AGAIN, CREDIT HISTORIES AND SCORES ARE TO BE USED AS INDICATORS OF ONES ABILITY AND RESPONSIBILITY TO REPAY AND EMPLOYMENT IS ABOUT ONES ABILITY AND EXPERIENCE IN THEIR FIELD! PERIOD!!
In this recession (worst ever that was created by our government) millions of people have lost their jobs (through no fault of their own) what do you think our credit scores will be after we have run out of money because we have had to use up our savings, retirement accounts and unemployment to pay the mortgage and bills because we still can't find a job?
Bankruptcy's and Foreclosures are rampant and will continue if Company's are allowed to continue using a persons economic hardship (credit background) as a basis on whether or not to hire. Discrimination? A Huge, Huge, Huge yes!
There should be Criminal background checks done and they have been done for decades, an employee needs to feel safe in their work environment and Company's need to protect themselves, so a Criminal check is understandable. That check is enough to learn about a persons character and has been completely sufficient for years and years. Educational background checks are normal also, CREDIT is not.
I don't understand how businesses are getting away with this discriminative behavior, all the unemployed, people looking for better jobs, people who need to cover their health home or autos with insurance, educational loans etc., will continue to pay dearly now and in the future if this is not stopped.
We need to call, write and email our Government, state reps and senators to complain and demand a stop to credit being used to discriminate against all of us.
Saturday, February 28, 2009
Legal Loan Sharks?
I was talking to a friend the other day and we some how got on the subject of credit cards and how these company's have no scruples or most importantly, government regulation, they seem to pretty much do whatever they want.
My friend said that just one of his credit cards which he has had for 13 years, has never been late, is not near or over his limit and his credit is excellent received a letter stating that they are cutting his limit. They cut his limit right down to what his balance was which leaves him no room to use the card. They also raised his interest rate from 9.99% to 23.39% - now his minimum payment is 2 1/2 times higher than the month before - this is on just one card!
This is only one story on one card, there are millions of us out there with the same story including myself. The lobbyists for these Company's lobbied hard in Congress in early 2000's and by 2003/4 the credit card company's got what they wanted and started back then with raising interest rates on people. One of my clients back then called me so irate that her interest rates were raised (18 to 27% on all her cards and needed to know if this would affect their getting a mortgage loan? When she called the company's they were willing to reduce them but not back down to their 7.99 or 9.99 but to 14.99 to 18.99 - it was a legal hijack of consumer rights, their lobbying paid off.
Now, the credit card company's have added to their treachery, reducing credit limits, even higher interest rates (beyond the border of usury in my opinion) and closing consumer accounts over the last couple of years.
They have literally strangled the consumer and our economy at the worst possible time by doubling, tripling and in many cases quadrupling consumers interest rates, cutting credit limits to what a persons balance is and closing accounts right out from under them. Where consumers were able to make their payments before, now many can't. Most people know what they can afford spend and to pay every month on their credit cards based on what the interest was when they got the card/s, no way in this world could any credit user have foreseen this type of manipulation and consumer abuse.
You never, ever hear anything about this critical subject on any of the media outlets, at least I haven't and I have written to several (CNN, MSNBC etc.) asking why they haven't addressed this subject - I have never gotten a response. However, last night on CNN an Ireport came in that touched on this subject - the women said she was struggling to make ends meet partly because her interest rates were raised so high on her credit cards, she just didn't have that extra money to put out and the reporters response was...unfortunately there isn't much that can be done about that. Are you kidding me - that's your advice? Well, it was from a reporter who has no debt.
I say there is something we can do... we need to bombard Congress, President Obama, our State Representatives, State Senators relentlessly to reign these Credit Card Company's in and pass new legislation for strict regulations. There is a tiny revamp of the Credit Card Industry to take place in like 2010/11 and it's not nearly enough - it really doesn't address the loan sharking tactics or stricter regulation. And why on earth wait until 2010/2011 for this to take effect? Think about it - why wait????? Unless?
Something is really suspicious about that whole change - it certainly doesn't benefit the consumer!
My friend said that just one of his credit cards which he has had for 13 years, has never been late, is not near or over his limit and his credit is excellent received a letter stating that they are cutting his limit. They cut his limit right down to what his balance was which leaves him no room to use the card. They also raised his interest rate from 9.99% to 23.39% - now his minimum payment is 2 1/2 times higher than the month before - this is on just one card!
This is only one story on one card, there are millions of us out there with the same story including myself. The lobbyists for these Company's lobbied hard in Congress in early 2000's and by 2003/4 the credit card company's got what they wanted and started back then with raising interest rates on people. One of my clients back then called me so irate that her interest rates were raised (18 to 27% on all her cards and needed to know if this would affect their getting a mortgage loan? When she called the company's they were willing to reduce them but not back down to their 7.99 or 9.99 but to 14.99 to 18.99 - it was a legal hijack of consumer rights, their lobbying paid off.
Now, the credit card company's have added to their treachery, reducing credit limits, even higher interest rates (beyond the border of usury in my opinion) and closing consumer accounts over the last couple of years.
They have literally strangled the consumer and our economy at the worst possible time by doubling, tripling and in many cases quadrupling consumers interest rates, cutting credit limits to what a persons balance is and closing accounts right out from under them. Where consumers were able to make their payments before, now many can't. Most people know what they can afford spend and to pay every month on their credit cards based on what the interest was when they got the card/s, no way in this world could any credit user have foreseen this type of manipulation and consumer abuse.
You never, ever hear anything about this critical subject on any of the media outlets, at least I haven't and I have written to several (CNN, MSNBC etc.) asking why they haven't addressed this subject - I have never gotten a response. However, last night on CNN an Ireport came in that touched on this subject - the women said she was struggling to make ends meet partly because her interest rates were raised so high on her credit cards, she just didn't have that extra money to put out and the reporters response was...unfortunately there isn't much that can be done about that. Are you kidding me - that's your advice? Well, it was from a reporter who has no debt.
I say there is something we can do... we need to bombard Congress, President Obama, our State Representatives, State Senators relentlessly to reign these Credit Card Company's in and pass new legislation for strict regulations. There is a tiny revamp of the Credit Card Industry to take place in like 2010/11 and it's not nearly enough - it really doesn't address the loan sharking tactics or stricter regulation. And why on earth wait until 2010/2011 for this to take effect? Think about it - why wait????? Unless?
Something is really suspicious about that whole change - it certainly doesn't benefit the consumer!
Friday, February 27, 2009
The News Media and Helpful Advice?
Living through this nightmare and the impact it has had on my life in just a short time has made me realize how different this recession is from the others I have endured. The old saying "Misery loves company" just doesn't apply here, there is no comfort in the thought that millions of us are all in the same boat and the unknown of whether that boat will hold us or sink.
Over the last 28 years our government has succeeded in destroying our manufacturing and export base that has eroded our job base, passed legislation that gave enormous power to Credit Card company's, Wall Street, changed our bankruptcy laws in favor of creditors and mortgage lenders and have literally choked off any avenue of survival in an economic disaster (through no fault of the American people) that would have helped many of us to ride this out.
Because of the self serving "everything to help the rich get richer" thinking of our government especially over the last 8 years, middle class people who had a good job, paid their bills and saved a little are out of work, can't find another job, can't pay the bills, can't sell their homes and are losing homes and to foreclosure.
Which brings me to the very topic of this blog... Advice from news outlets - like how to find a job? really? I have been watching some of this advice on CNN and MSNBC over the last few months and I have to tell you, it is soooooooooooo far off the mark that it borders on amateurism. Think about this - $200,000, $300,000 a year reporters telling us what we need to do to find a job in this recession such as:
1) Tweaking your resume so it stands out above the rest
Take it from one who has been there and has done it, you can tweak and tweak all you want, it doesn't work when millions of people are vying for every job available.
2) Writing a cover letter that has an impact
Yes, a cover letter is important, probably more important than the resume, but even those are just being scanned and not read in their entirety because of the onslaught of applicants.
3) Going back to school to learn another trade/career
Going back to school is a great idea, if you can afford it, but many of us can't, any money we do have needs to go to essentials.
4) Volunteer to get your foot in the door to a new career
Again, if you can financially do it most can't.
5) Job Fairs
Be prepared to stand in long lines for hours not to mention that most of the company's are now looking for young cheap labor - the chances of getting a job there if your between 30 and 60 are slight. Worth trying - maybe.
6) If you can't find full time work try for 2 part time jobs
I don't think any responsible out of work person needed to be told that! Those are even hard to find because we have thought of that.
7) Be willing to take lower pay to get your foot in the door - Again, most are willing to do that also and have tried and are still trying.
All of the above options that these news outlets offer are inane and actually an insult to us, the viewing audience - it's as if we the middle class are somehow so stupid that unless someone tells us what to do that we wouldn't know how to help ourselves and I for one take a huge issue with that type of so called help.
These News shows gather their advice from so called experts (who have a job I might add) and none of them can ever give real solid advice to ANYONE unless they have experienced this disaster themselves. Until you actually live this nightmare you can't possibly know what your talking about and to give useless advice to people who are living it is mean - SO PLEASE...SHUT UP!
I'm wondering who else feels the same way about our news media. Talk to you all later Thanks for reading!
Thursday, February 26, 2009
Issues with Mainstream Media
When did Mainstream Media become the Star Magazine of TV? All of the news shows lean toward drama, it doesn't even matter what the truth really is, for me watching just 15 or 20 minutes leaves me totally ticked off, I find myself yelling at the TV, my blood pressure goes up 50 points and in the end, I still don't know what's really going on.
The reporters try to act as if they are unbiased, are you kidding me, they are really bad actors, they actually believe they are fooling the audience into thinking that their questions and remarks aren't slanted toward a guest or one issue or the other. For instance, Lou Dobbs from CNN, he says that he is for the middle class, when Bush was still president he was on a tear about what his administration did to this Country, the economy and the middle class and how something needs to be done to get credit flowing again, help hurting homeowners, job creation, yadda, yadda, yadda. Now he is denigrating President Obama for trying to do exactly what he was demanding on his show. So now the problem is... he is spending too much money - well how our we suppose to create jobs, help homeowners save their homes and get credit flowing again if money isn't spent. pleaaaaaaaaaaase! Enough!
I realize that ALL the media outlets are Drama mongers, who has the highest ratings, best show on TV - the more they stir the pot the better for them, but where is the real news, the truth, when we as an audience have to spend mental effort to decipher the truth out of their Staresque reporting it's time to turn them off. They are actually creating and inciting the worst in some people to act out based on what they report and the way they report it. I do get fired up but I also change the channel and eventually calm down, but what about the people who get fired up and don't calm down? Example, when during the campaign, Palin was saying that Obama was a terrorist, later at another rally a Lady said to McCain that he was a terrorist, a Muslim - another rally when others were yelling out in the audience to kill him.
When twisting words to create drama or skewing the truth to suit an agenda such as high ratings or winning a campaign takes over maybe it's time to let them know enough is enough.
I will be pounding on the news makers on other issues in the coming weeks, my next peeve is the advice segment, one in particular...advising people who are looking for a job. Are you kidding me, a $200,000 year reporter giving advice to us out of work saps.
The reporters try to act as if they are unbiased, are you kidding me, they are really bad actors, they actually believe they are fooling the audience into thinking that their questions and remarks aren't slanted toward a guest or one issue or the other. For instance, Lou Dobbs from CNN, he says that he is for the middle class, when Bush was still president he was on a tear about what his administration did to this Country, the economy and the middle class and how something needs to be done to get credit flowing again, help hurting homeowners, job creation, yadda, yadda, yadda. Now he is denigrating President Obama for trying to do exactly what he was demanding on his show. So now the problem is... he is spending too much money - well how our we suppose to create jobs, help homeowners save their homes and get credit flowing again if money isn't spent. pleaaaaaaaaaaase! Enough!
I realize that ALL the media outlets are Drama mongers, who has the highest ratings, best show on TV - the more they stir the pot the better for them, but where is the real news, the truth, when we as an audience have to spend mental effort to decipher the truth out of their Staresque reporting it's time to turn them off. They are actually creating and inciting the worst in some people to act out based on what they report and the way they report it. I do get fired up but I also change the channel and eventually calm down, but what about the people who get fired up and don't calm down? Example, when during the campaign, Palin was saying that Obama was a terrorist, later at another rally a Lady said to McCain that he was a terrorist, a Muslim - another rally when others were yelling out in the audience to kill him.
When twisting words to create drama or skewing the truth to suit an agenda such as high ratings or winning a campaign takes over maybe it's time to let them know enough is enough.
I will be pounding on the news makers on other issues in the coming weeks, my next peeve is the advice segment, one in particular...advising people who are looking for a job. Are you kidding me, a $200,000 year reporter giving advice to us out of work saps.
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