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Grand Theft Auto V (PS3 or Xbox 360) $39.96 @ www.walmart.com
Added on : Wednesday April 16th 2014 10:00:05 PM
g: 1 Posted By: jaymanthegreat
Views: 178 Replies: 0 Grand Theft Auto V (PS3 or Xbox 360) $39.96

Item Description:
For a limited time, get Grand Theft Auto V for $39.96! While supplies last.
Los Santos & Blaine County - The largest open world yet by far, spanning vastly diverse cultural and geographical areas, the entire world of Grand Theft Auto V is open from the very beginning of the game to explore. Visitors to the greater metropolis of Los Santos and the countryside of Blaine County will encounter faded celebrities, meth heads, party people, violent gangs, hikers, bikers and every other manner of colorful denizen. You'll be able to traverse from the tops of the mountains, through the streets of Los Santos, to the depths of the ocean floor.
Three playable protagonists - Michael, Franklin and Trevor may live in different parts of town, have their own issues, attitudes, lifestyles, desires and goals - but they know how to work together. They have their own unique skillsets to bring to the table when it's time to get the job done. Michael is a veteran bank robber, and an expert with the kind of knowledge that only comes from years as a successful career criminal. A former street gangster now looking for real opportunities and serious money, Franklin works as a repo man for an Armenian luxury car dealership that runs scams on ambitious young hotshots, selling them expensive cars they can't afford. Not interested in living by anyone else's rules, Trevor's a habitual drug user and extremely volatile individual that's prone to destructive outbursts and violent rampages.
'Recreational' Activity - Grand Theft Auto V is not just massive in scale, but will offer more to get into than ever before. Play a bit of golf or tennis, zen out with yoga or cycle the countryside. Parachute over the city, or customize your Cheetah and take it to the streets to race suckers for money. Or earn cash the old fashioned way, by taking it - whether by ripping off liquor stores or by buying and taking over businesses that will earn you dividends. Even minding your own business having a stroll you may find yourself off on a wild misadventure you never expected.
Grand Theft Auto V is the largest, most ambitious game Rockstar Games has yet created, and takes full advantage of every ounce of processing power available in the current generation of consoles. In order to provide the best possible experience for such a massive and detailed world, the game will have installation requirements on the Xbox 360.
Grand Theft Auto V will ship on two discs; Disc 1 will be used for a one-time mandatory install and Disc 2 will be used to play the game. After the install, players will be able to enjoy both Grand Theft Auto V and Grand Theft Auto Online without any need to switch discs.
This initial install will require an Xbox 360 Hard Drive or an external 16GB USB flash drive (sold separately) with at least 8 GB of free space. If using a USB flash drive it must be at least USB 2.0 with a minimum 15mb/s read speed and formatted for Xbox 360 use. A new USB flash drive is recommended to ensure optimum performance.
Warranty Info: Software license terms in game and www.rockstargames.com/eula;online account terms at www.rockstargames.com/socialclub.Non-transferable access to special features such as exclusive, unlockable, downloadable or online content, services, or functions may require single-use serial code, additional fee and/or online account registration (13+). Violation of EULA, Code of Conduct, or other policies may result in restriction or termination of access to game or online account. Access to special features may require internet connection, may not be available to all users, and may, upon 30 days notice, be terminated, modified, or offered under different terms. Unauthorized copying, reverse engineering, transmission, public performance, rental, pay for play, or circumvention of copy protection is strictly prohibited.
ESRB Rating: MATURE with Blood and Gore, Mature Humor, Strong Language, Nudity, Strong Sexual Content, Use of Drugs and Alcohol, and Intense Violence

http://www.walmart.com/ip/Grand-Theft-Auto-V-PS3-or-Xbox-360/344...
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g: 0 Posted By: guy4167
Views: 135 Replies: 4 If you were to buy it, how much would you put down? Thinking of blowing the whole load and taking a 15 year mortgage out for $70,000ish. My monthly payment would be around $1100, including mortgage, taxes and HOA.

A little background: college educated, in my 20s, making about $45,000 a year, own a car (outright, should be good for a few more years), and I expect my salary to grow significantly as my career progresses. No significant debts. The condo is allowed to be rented (I plan on holding and renting once I am done with it) and rent for the unit could support the whole $1100 mortgage payment at the present time.

Good idea? What should I be looking out for?
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Son wants to be a Pediatrician, what's a backup plan if he fail?
Added on : Monday April 07th 2014 08:00:06 PM
g: 0 Posted By: OneBread
Views: 51 Replies: 2 My son is a senior in HS and he wants to become a pediatrician as a career goal. That would be great if he cando it and I support him all the way. But frankly I have serious doubt if he can do it. I just don't think he has the smarts. I'm not just being hard on him; just realistic. He tries very hard in HS but the grades and tests don't reflect his effort. As an example, he already took Calculus and currently taking AP Calculus, but his college assessment test shows his math level should be intermediate Algebra. So my question is this:

What if he pursuit the pediatrician path but does not make the cut? What is a relevant backup plan? Does he become a medical lab technician or work in a hospital lab or something?
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g: 1 Posted By: Deals4mykids
Views: 123 Replies: 1 http://www.amazon.com/gp/product/B00GOZV3TM
4.4 out of 5 stars.

Book Description
Publication Date: November 15, 2013
When it was first published in 1989, The 7 Habits of Highly Effective People was an almost instant bestseller--and quickly became a permanent part of the cultural lexicon. With over 25 million copies sold worldwide in over 40 languages since its first publication, this book continues to help millions of readers become more effective in both their personal and professional lives.

This is one of the rare books that has influenced presidents, CEOs, educators, and individuals all over the world not only to improve their businesses and careers but to live with integrity, service, dignity, and success in all areas of life. It has had an undeniable impact for the past 25 years--and will no doubt continue to be influential for many more.

ENDORSEMENTS

"Every so often a book comes along that not only alters the lives of readers but leaves an imprint on the culture itself. The 7 Habits is one of those books." --Daniel Pink, author of Drive and To Sell Is Human

"The 7 Habits encompass timeless principles that can help guide any company toward success." --Tony Hsieh, New York Times bestselling author of Delivering Happiness and CEO of Zappos.com, Inc.

"There are very few business books that are essential reading for anyone who wants to make a difference. This is one of the great ones." --Seth Godin, author of The Icarus Deception

"No person lasts forever, but books and ideas can endure. Stephen R. Covey's life is done, but his work is not. It continues, right here in this book as alive today as when first written." --Jim Collins

"Twenty-five years after it first appeared, the wisdom of The 7 Habits is more relevant than ever. On an individual level people are burning out, and on a collective level we are burning up the planet. So Dr. Covey's emphasis on self-renewal, and his understanding that leadership and creativity require us to tap into our own physical, mental, and spiritual resources, are exactly what we need now." --Arianna Huffington

ABOUT THE AUTHOR

Dr. Stephen R. Covey (1932-2012) was a world-renowned authority on leadership and family relations. He held a Bachelor of Science from the University of Utah, an MBA from Harvard, and a PhD from Brigham Young University. Dr. Covey served as Vice Chairman of FranklinCovey Co., and was an in-demand speaker, teacher, and organizational consultant. Throughout his career, Dr. Covey brought new insight and understanding to millions of readers and students.
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g: 1 Posted By: remick
Views: 252 Replies: 0 Secrets to a Happy Life: Finding Satisfaction in Any Situation
http://www.amazon.com/gp/product/B00B85M3LA/

4.6 out of 5 stars (48 customer reviews)

Inspiring Biblical Wisdom Helps Readers Overcome Dissatisfaction and Discontent

Deep, lasting satisfaction and contentment elude many people. In his accessible book, Giovannetti addresses this contemporary issue by guiding readers through the life of Joseph in the book of Genesis. He answers the question Is contentment possible? with a resounding yes. Biblical wisdom and practical advice will help the reader find contentment in God rather than circumstances.



The Juggling Act: Bringing Balance to Your Faith, Family, and Work
http://www.amazon.com/gp/product/B008AL1QCW

Lunch is reserved for meetings, technology makes us available anytime, anywhere-and somewhere along the way 9-to-5 morphed into 24/7, and technology makes us available anytime, anywhere. Our demanding schedules crowd out what matters most: family, friends, even our faith. Although it may feel like you're living under the Big Top, take heart. You don't have to be a circus professional to keep all the plates spinning.

Pat Gelsinger understands this challenge. As a prominent executive in the Silicon Valley, Pat struggled to juggle* a thriving career with his family. Pat's pursuit of balance led him to dynamic truths that revolutionized his approach to life.

The Juggling Act shares Pat's time-tested wisdom for keeping your life in perspective. This updated and expanded revision (formerly Balancing Your Family, Faith & Work) details the guidelines for balanced living, with insights on:

Prioritizing your work, family, and God
Developing a personal mission statement
Becoming an effective employee
Creating a support system
Sharing your faith in the workplace
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Dropping out of a PhD program - how to explain resume gap to employers?
Added on : Wednesday March 26th 2014 03:00:09 PM
g: 0 Posted By: magika
Views: 106 Replies: 1 I am strongly considering dropping out of my PhD program, but am concerned with how to explain the huge "resume gap" between my master's degree and now (4 years). I'm not actually dropping out because I'm not capable of doing the work, I am doing well on the metrics academics use to measure success (publications). The subject is in the public policy area, and the issue I am coming to terms with is that if I continue to graduation I am limited to academia and think tanks, and while policy has a lot more faculty openings than other subjects (especially when compared to the liberal arts) getting a tenure track job these days is a bit like winning the lottery. Also, the fact is I am looking at $50k starting salary and would probably cap out at the end of my career at $80k-90k. I am also not looking forward to the tenure and promotion process, which despite rumors of academics having it easy results in most people working 60 hours a week on their research for 5-7 years to get tenured.

My masters degree is from a highly ranked policy program and I am pretty confident I could use the alumni network and the name brand to get a public sector job without much difficulty, especially in my state. Of course, public sector jobs in my area (I could do any of the following: policy analyst, management analyst, economic development, personnel) also start out in the $50k range but I like the immediate job security, 40 hour a week 9-5 schedule, and the fact that senior management positions later on pay much more than I could ever get in academia. My concern is this: How do I explain to potential employers about my resume gap? I do have "work products" to show via my publications (4 peer reviewed articles, 3 book chapters, 10 or so conference papers) these are work products that are of limited value to potential employers unless its something like a legislative research office.

A side issue here is that I do a lot of part-time work as an arbitrator, which pays well ($2k for 1-3 days worth of work) but the work is completely unreliable (I made $25k from this last year, but the year before that it was only $10k). If I remain in academia I can still do this, although not while I am trying to get tenure, and over time I can raise my fees (senior arbitrators with 20+ years of experience charge double or triple what I do). Most public sector jobs would prevent me from doing this due to conflict of interest concerns and/or the 9-5 work schedule.

My options are:
(1) Continue for the PhD which will take 2-3 years, but limits my employment to academia or policy research organizations. I would then be "overqualified" for a vast majority of public sector jobs. Keep up the arbitration work which could be 50% or more of my salary in 10 years or so.
(2) Quit now and find some way to explain a multiple year resume gap, hoping the gap doesn't make finding a job impossible to do. Quit the arbitration work or limit my job search to positions that offer telecommuting and have no conflicts of interest with the type of clients I work with.

Edit: I forgot to add that I'm not paying anything for my PhD (you'd have to be crazy to pay for a PhD, in my opinion), so continuing down this path doesn't "cost" me anything out of pocket - its just opportunity cost.
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Internships for Finance Major in Jacksonville, FL Area
Added on : Tuesday March 25th 2014 02:00:14 PM
g: 0 Posted By: n5741
Views: 13 Replies: 0 Hello everyone, writing today to inquire about what you all think the best possible places to try and obtain an internship in the Jacksonville, FL area would be for sophomore majoring in finance. I am currently a sophmore at UNF (Swoop!) and have been trying to utilize CareerWings to the fullest, however, I feel that I am now at a wall and with summer approaching, I would like to try and lock something down quickly. I feel that a majority of the internship or job offerings listed on CareerWings are with less than stellar companies (NorthWestern, Blue Star Financial, etc.) for someone who is intending to major in finance that does not want to end up in the insurance business. So please any recommendations on where to look into would be much appreciated. Also I wanted to address a side point as well, if I have inevitably waited to long and a left myself to only intern at one of these sort of places, is it worth pursuing instead of a normal part time job?
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g: 0 Posted By: remick
Views: 50 Replies: 0 Accounting: An Introduction: Pearson College [Print Replica]
http://www.amazon.com/Accounting-Introduction-Pearson-Eddie-McLa...

Accounting: An Introduction is renowned for its clear, accessible and uncluttered style. It provides a comprehensive introduction to the main principles of financial accounting, management accounting, and the core elements of financial management. With a clear and unequivocal focus on how accounting information can be used to improve the quality of decision making by managers, combined with a strong practical emphasis, this book provides the ideal grounding for a career in management.



Economics: Pearson College [Print Replica]
http://www.amazon.com/Economics-Pearson-College-John-Sloman-eboo...

The Eighth edition of Economics contains the most up-to-the minute coverage and uses the latest data to track and analyse the impact of the global financial crisis on our economy.
Economics is popular for its active learning and student-friendly approach, and the new edition retains its classic features that provide a solid foundation for the study of economics, while covering much of the recent turmoil in the economy.
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Need help planning 6-12 month travel dream
Added on : Sunday March 23rd 2014 07:00:09 PM
g: 0 Posted By: travelguy28
Views: 22 Replies: 0 I started my first post-college/salaried job last year and make ~$60k annually in a very low COL city. My plan is to work for another ~2 years to save enough money to travel around the world for 6-12 months. I should have almost $30k saved and am budgeting $100/day to spend while traveling.(In reality, it will probably be $30-$50/day in cheaper countries and $50-$100/day in more expensive countries. The $100/day budget is to account for air travel and all misc expenses.)

I am most concerned about planning for after the trip is completed. How much should be saved for when I return home? Does 6 months worth of living expenses sound reasonable? I will need to find a new job so this may take some time. I might ask my current employer for a LOA but they probably won't accept this.The other thing I am worried about is health insurance. I should be covered by parents health insurance for the duration of the trip but will turn 26 after returning home and no longer be covered.

What else should I be considering besides the fear of not finding a new job and hurting my career?
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Free Kindle Book- Accounting for Non-Accounting Students (was $125.00)
Added on : Saturday March 22nd 2014 06:00:08 AM
g: 0 Posted By: remick
Views: 301 Replies: 0 http://www.amazon.com/Accounting-Non-Accounting-Students-London-...

Accounting for Non-Accounting Students is a highly reputed text for is accessibility and clarity. The book combines user-friendly language and real world examples making it ideal for students with little or no prior knowledge of Financial or Management accounting. The text covers the essentials of book-keeping and the rules of accounting in a non-technical style and teaches students the right questions that all non-accountants should ask who want to excel in their studies and career.
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g: -1 Posted By: remick
Views: 26 Replies: 0 http://www.amazon.com/dp/B00702M586

4.7 out of 5 stars (39 customer reviews)

Jim Collins's Good to Great became a bestselling business book because it studies the characteristics of great businesses. But should Christians want to become great in the eyes of the world? In Good to Great in God's Eyes, bestselling author Chip Ingram shows how Christians can honor God with lives of great faith and excellent work. Believers become great in God's eyes by applying the 10 common characteristics of great Christians:

think great thoughts
read great books
pursue great people
dream great dreams
pray great prayers
take great risks
make great sacrifices
enjoy great moments
empower great people
develop great habits

Using Scripture, personal stories, and examples from Christians who left a lasting legacy, Ingram offers practical steps for becoming great in all areas of life, in spiritual growth, family, relationships, and career.


Flawed but Faithful Finding Meaning in our Faults
http://www.amazon.com/dp/B00HALXNQ0

4.8 out of 5 stars (10 customer reviews)

Apostle Paul, King David, and Gideon are all some of the Bible's greatest figures, and they all had one thing in common....

...they were all flawed! That's right, these great men of God were all flawed. In fact, they all had several flaws. Why is this important? It's important because everyone- including yourself- shares this trait with these great figures. By examining their characters and how they were able to overcome their flaws in the light of God's glory, we can learn to better ourselves through our own flaws and begin building our faith stronger than ever! Check out this review!

In "Flawed but Faithful- Finding Meaning in our Faults", we examine how nobody is perfect and how this common trait can be used to spur personal growth. In this inspirational book, you will see how the Apostle Paul needed time to turn to God, how King David overcame his great sins to become a man of God, and how Gideon learned to trust his faith when he originally needed proof of God's amazing love. Many of us struggle with sins and our faith from time-to-time, and we are not alone. This important look at the Bible reminds us of that and encourages us to do better.
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Tall, Dark Alpha Boxed Set (10 full-length stories) for 99 Cents
Added on : Tuesday March 18th 2014 09:00:04 AM
g: 0 Posted By: cocobuttr72
Views: 94 Replies: 0 Tall, Dark and Alpha Boxed Set $. 99 Cent For 10 Full-Length StoriesTall, Dark and Alpha Boxed Set is a collection of 10 full-length stories about alpha males. Value saved for getting this boxed set is $30

Amazon :http://www.amazon.com/Tall-Dark-A...B00IUQ872Y

Barnes & Noble:http://www.barnesandnoble.com/w/t...8097&itm=1

LIST OF INCLUDED BOOKS

Rock My Boat by Afton Locke:Rhonda Simms embarks on a cruise to create an ad campaign. Instead, she lands Simon Mann, a blue marlin shape shifter who will do anything to be human again. Will she let him rock her boat?

Silver Tongued Devils by Dawn Montgomery:Captain Na'varr and his executive officer, Brom, know they have a good thing when they capture stowaway hacker, Raesa, with her hot temper and dangerous curves. They want her, body and soul just as she wants them. But such trust endangers them in ways none of them can anticipate. Dare they risk it all?

Fight for Love by Delaney Diamond:Rafael Lopez, former professional wrestler and "Sexiest Athlete Alive," is back and determined to hold onto the woman he lost, but still loves, and the son he never knew existed.

Crazy (Vampire Love) by Eve Langlais:Ella hears voices and they don't like anyone. But not even poltergeists can stand in the way of a vampire in love.

Sex with an Ex by Eve Vaughn:When these two divorcees reunite in the bedroom, the sex is hotter than ever. But can their hearts survive the second time around?

In Her Wildest Dreams by Farrah Rochon :When Erica Cole, owner of "Your Wildest Dreams" event planning, requests his help in creating a Valentine's Day fantasy date for her clients, chocolatier Gavin Foster sees it as the perfect opportunity to show her just how sweet their reality could be.

Player's Challenge by Koko Brown:Sports agent Gemma Clarke must face the biggest challenge of her young career: represent her former lover and bad boy footballer, Devin Spencer. Their passionate love affair ended badly. Now he's back to prove to Gemma he's changed and convince her to give them one more chance.

Two Cops, a Girl, and a Pair of Handcuffs by Paige Tyler:Cilla Garner has it bad for hot cops Hayes Prescott and Reed Lockwood. If they both end up asking her out, she doesn't know how she'll choose. Having a threesome doesn't even enter her mind until they hint at it, and then it's all she can think about.

Chase and Seduction by Randi Alexander:Country music superstar/actor Chase Tanner has never wanted anything or anyone more than gorgeous screenplay writer Reno Linden. To Reno, Chase is larger than life, sinfully sexy and hell-bent on getting her into bed. Reno risks the plunge into Chase's arms, but will their attraction survive the glitz and stress of fame?

Tall, Dark and Apocalyptic by Sam Cheever: He's a hunter in a world turned upside down. She's his prey, a creature of dark magic. But the passion burning within them may be their undoing.
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Free Ebooks 3-12-14
Added on : Wednesday March 12th 2014 04:00:09 AM
g: 0 Posted By: jhall1822
Views: 97 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

Real Estate Investing: How to Find Cash Buyers and Motivated Sellers
Rating - 4.3 (28 Reviews)

Real Estate Investing: How to Find Cash Buyers and Motivated Sellers teaches real estate investors and those interested in learning to invest in real estate how to define and Target ideal cash buyers and motivated sellers. The book covers absentee owners, rehab investors, Section 8 landlords, and other buyer types. Some of the marketing topics include mailing lists, postcards, both online and offline marketing strategies along with examples. Anyone who wants to wholesale a house or is curious about flipping houses should pick this book to get educated on cash buyers and motivated sellers for their real estate investing.

The Myth of the Garage
Rating - 4.3 (60 Reviews)

From Chip and Dan Heath, the bestselling authors of Switch and Made to Stick, comes The Myth of the Garage and other minor surprises, a collection of the authors best columns for Fast Company magazine. There are 16 pieces in all, plus a previously unpublished piece entitled The Future Fails Again.
In Myth, the Heath brothers tackle some of the most (and least) important issues in the modern business world:
- Why you should never buy another mutual fund (The Horror of Mutual Funds)
- Why your gut may be more ethical than your brain (In Defense of Feelings)
- How to communicate with numbers in a way that changes decisions (The Gripping Statistic)
- Why the Next Big Thing often isnt (The Future Fails Again)
- Why you may someday pay $300 for a pair of socks (The Inevitability of $300 Socks)
- And 12 others . . .
Punchy, entertaining, and full of unexpected insights, the collection is the perfect companion for a short flight (or a long meeting).

The Diary Of An Inexperienced Father: months 4-9
Rating - 4.6 (5 Reviews)

Things were looking up for Graham Peterson in both his career and his love life at the end of the last book, The Diary Of A Hapless Father: months 0-3′, but things were never going to stay sweet in Grahams garden for long. Having had his proposal to Alison refused and at risk of losing his new job before he even starts, 2013 isnt off to a good start at all. One of the only things keeping poor old Graham going is knowing that the first three terrifying months of his son Charlies life are behind him.
Over the course of six months, in The Diary Of An Inexperienced Father Graham realises just how inexperienced he is not only at being a father, but also in his other relationships and outlook on life.
The only question is, can Graham get his life on track before Charlie is old enough to form an opinion of his dad?

Unleashed (A Sydney Rye Novel, # 1)
Rating - 4.1 (244 Reviews)

The Sydney Rye series of mysteries feature a strong female protagonist and her rescue dog, Blue. It is recommended for the 18+ who enjoy some violence, dont mind dirty language, and are up for a dash of sex. Not to mention an awesome, rollicking good mystery!
UNLEASHED is the first book in Emily Kimelmans best selling Sydney Rye series of mysteries.
When the series begins Sydney Rye is named Joy Humbolt. She does not like people telling her what to do, so it comes as no surprise that she was just fired from her last job. When she buys Charlene Millers dog-walking business on Manhattans exclusive upper east side, it seems like the perfect fit: Quiet environment, minimal contact with people.

But then one of her clients turns up dead, and Charlene disappears. Rumors say Charlene was having an affair with the victimand of course, everyone assumes Joy must know where she is. Joy begins to look into the crime, first out of curiosity then out of anger when there is another murder and threats start to come her way.
When police detective Mulberry is assigned to the case, Joy finds a kindred spiritcynical and none-too-fond of the human race. As they dig deep into the secrets of Manhattans elite, they not only get closer to the killer but also to a point of no return. One last murder sends Joy Humbolt hurtling over the edge. Her only chance of survival is to become Sydney Rye.

FLINDERS FIELD (a murder mystery and psychological thriller)
Rating - 4.5 (13 Reviews)

With a quarter of a million downloads, the bestselling author of Max and The House of the Wicked, D. M. Mitchell has been compared to Dean Koontz, Stephen King, Ruth Rendell, M. R. James, Linwood Barclay, Umberto Eco, the Bronte sisters, Charles Dickens and many others. Discover for yourself why D. M. Mitchell is being regarded by some as one of the UKs most original and exciting writers of psychological thrillers and murder mysteries.
In November 1974, a young woman called Sylvia Tredwin goes missing. Nobody has the faintest idea where shes gone. She was wearing only a light skirt and T-shirt, didnt take anything with her, no suitcase, nothing. Simply went out one dark evening and never returned.
Some say she went off with another man, because thered already been talk in the small Somerset village of Petheram that shes that type of woman attractive, flirty with it, dressed too provocatively. But her husband, Bruce Tredwin, doesnt believe a word of the callous whisperings of the locals as they gossip about his outsider wife. So he never gives up searching for her. A fortnight later on a stormy winters night he finds her. Shes naked in a place called Flinders Field, wandering aimlessly, badly bruised and in total shock. But what she says to him will astound everyone.
She says shes been abducted by aliens, and she was never to be the same again, with tragic consequences
Forty years later and George Lee is coming back to Petheram, the village of his birth. His estranged father has died and there are things his mother would like him to sort out. George hates the village, couldnt wait to get out and make a life for himself as a writer of cheap and gory thrillers. He notices that Adam Tredwin, Sylvia Tredwins son, has also returned to Petheram. As children, the two used to be friends, briefly, before Adams father was killed in the 1980s by a hit-and-run driver and Sylvia took him away from the village.
But its when George begins to tidy out his fathers loft and slowly begins to learn more details about Sylvia Tredwins disappearance that he starts to uncover dark secrets and hidden truths discoveries that will peel back the decades to reveal a labyrinthine world of madness, jealousies, deceit, lies and murder. He little knows his idle quest to find out the truth behind Sylvia Tredwins abduction will have profound and dangerous consequences for all concerned.
D. M. Mitchell pens yet anther taut psychological thriller and murder mystery, set in the claustrophobic world of a small Somerset village, with a bevy of believable characters and a plot that twists and turns in Mitchells inimitable style to a deliciously shocking and unexpected conclusion.

Blood Dahlia A Thriller (Sarah King Mysteries)
Rating - 4.8 (11 Reviews)

A serial murderer nicknamed the Blood Dahlia has been terrorizing the quiet suburbs of Pennsylvania. Brutally mutilating his victims in the fashion of the most famous murder in Hollywood, the killer leaves no trace behind.
The FBIs elite Behavioral Science Unit, the section responsible for the study and investigation of serial murder, has little evidence to go on. Believing the killer to be beyond their reach, the agents in the BSU decide they must simply wait for the killer to make a mistake until they meet Sarah King.
Sarah, a mysterious outcast of the Pennsylvania Amish community, claims she has a unique ability: she can speak to the dead. And the victims of the Blood Dahlia are calling out to her.
When the FBI enlists her help, special agent Giovanni Adami is skeptical of her abilities, but begins falling for the young woman. His feelings for her are clouded with his distrust of psychic phenomena, but as the Blood Dahlia grows in his barbarism, he knows the FBI has little choice but to explore every avenue available.
Whether or not Sarah can speak with the dead ultimately doesnt concern Giovanni. He is interested in results, and when Sarah begins providing some, he must question everything he knows about the world and his place in it. She is either the cleverest fraud he has ever met, or a true psychic with an unexplainable gift.
But when the Blood Dahlia takes an interest in Sarah personally, it will take every ounce of strength she has to survive. And as she prepares for him to come for her, she realizes that not everyone is what they seem
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OFFER OVER Free Kindle Book- How to Paint a Car in a Weekend
Added on : Tuesday March 11th 2014 07:00:13 AM
g: 5 Posted By: remick
Views: 1871 Replies: 3 http://www.amazon.com/How-Paint-Car-Weekend-business-ebook/dp/B0...

5.0 out of 5 stars (4 customer reviews)

Hello, in this e-book I will lay out the correct way to paint a vehicle, and at the end I will have a numerical sequence of the steps to follow to completion. I will explain some of the industry standards of how professional Paint shops operate, and the different Paints and Primers available at the local Paint Supply Shops around the country.

I will explain the type of equipment you will need, and the different stages of the painting process. I will also have an e-mail address where you can send questions. I will try to keep it simple, but there is a lot of information that you will need to complete the job. We assume that the bodywork and trim removal has already been done and the vehicle is clean and ready to go into the paint shop where ever you paint it.

I will explain the proper way to paint a vehicle using an HVLP Paint gun the most common type and explain the proper spray distance. This will get you well on your way to beginning a new self-satisfying Hobby or perhaps Career because there is a great need for Automotive Painters all over the world.

If you are interested in going to work in a Body Shop as a Paint Prepper that is someone who is learning like you, then you should go apply for a position at the least, 4 shops, 6, if theyre situated very close together. Apply 2 to 3 times a week, every week. I managed shops for many years and this will work. You will become friends with them and believe me you'll find a job, a smile and a positive attitude goes along way. Become an actor, and practice your positive attitude by smiling into a mirror. You should read Think and Grow Rich by Napoleon hill, very positive book to read to aid you in your job or career hunting.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 105 Replies: 0 http://www.amazon.com/dp/B00A71Y7I8

4.8 out of 5 stars (244 customer reviews)

Written by an L. A. County homicide detective and former atheist, Cold-Case Christianity examines the claims of the New Testament using the skills and strategies of a hard-to-convince criminal investigator.

Christianity could be defined as a cold case: it makes a claim about an event from the distant past for which there is little forensic evidence. In Cold-Case Christianity, J. Warner Wallace uses his nationally recognized skills as a homicide detective to look at the evidence and eyewitnesses behind Christian beliefs. Including gripping stories from his career and the visual techniques he developed in the courtroom, Wallace uses illustration to examine the powerful evidence that validates the claims of Christianity.
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$51k in bank, 24 years young... time to buy my own pad?
Added on : Thursday March 06th 2014 04:00:10 PM
g: 0 Posted By: tol835
Views: 209 Replies: 6 I have been racking my brain about the idea of buying my own place... please read on if you are also pondering this or have something to contribute!

I live in Chester County in Pennsylvania. I have 51k in savings, 7k in other fairly liquid assets (Also it is stuff I could part with) not including my car, and 12.5k in my 401k (current total contribution is 10%). My monthly take home is $3,106. I am currently paying $600 a month for a small room in a nice 2,000 sq. ft. three story townhouse worth about $260,000 with 2 other roommates that I tolerate but don't enjoy living with all that much. The one guy owns the place. EVERYTHING is included for the $600 and I am NOT in any type of contract. The house is 2 miles from the office which is the biggest benefit of living here. I have no other financial obligations besides my car and renter's insurance.I have a 2 year specialized technology degree and have been working full time in my career for 4 years at the same company.

I have looked at a few houses, and am considering purchasing a townhouse for around 160k, putting 20% down making the loan $128,000. In addition to annual property taxes of around 2-3k, I would likely have a monthly HOA fee of $125-$215.

I am very independent and like being in control and living with 2 roommates is starting to get very taxing on me. If I get lonely at my own place (Im not sure if this would happen or not) I could always rent out a room and also pay the mortgage off faster. Also, living with only one other person in the house who I can choose myself shouldnt be too bad if I vet and choose the right person.

Having said all that the obviously other choice is to rent a one (maybe two) bedroom studio apartment for around $800-$1,000 a month plus utilities so maybe $1,200ish. Thats double what Im paying now but would likely still be within 5-7 miles of where I work. The other big downside to this choice would be that I would be in a contract, so purchasing a house wouldnt be as easy when the time came. However, I would try to get a lease with an out provided I give the landlord a 3 month or so heads up.

Thoughts from the older and wiser would be much appreciated!
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g: 0 Posted By: ShoppingChick
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g: 0 Posted By: remick
Views: 133 Replies: 0 Prospect & Flourish: How to Conquer the "Weakest Link" in the Sales Process (a guide for sales professionals and job seekers) byKeith F. Luscher
http://www.amazon.com/Prospect-Flourish-Conquer-Weakest-professi...

In truth, selling is anything but easy. But for professionals who understand and practice this from the heart, selling is easier! It is more naturalit is the result of building relationships.

There is plenty of information out there on how to sell. But to truly flourish, you must first prospect. Everyone has to prospect. Most people
hate to do it, and we believe that the five most common reasons why sales professionals dont prospect enough are:

They dont understand the value of what they are selling
They have a fear of rejection
They dont know what to do or how to do it
They are not motivated
They have a personal difficulty to overcome
Do any of these statements describe you? If so, you are not alone.

Indeed, it all truly comes down to sales, which cannot occur unless you keep your pipeline full. After all: The number one cause of FAILURE for sales professionals and job seekers is lack of prospects.
While you have plenty of resources and options at your disposal to learn more about sellingbut there is not enough out there to help sales people confront their fears and overcome their personal challenges when it comes to prospecting.
Until now.

Introducing the all new fourth edition of an intense, peer-reviewed, time-tested book on prospecting: Prospect & Flourish: How to Conquer the Weakest Link in the Sales Process. Originally created for use in the insurance industry, Prospect & Flourish is a comprehensive guide to business prospecting in all its forms. Readers will learn how to:

Become a networking maven, and build connections and relationships with people from across town to around the globe.
Develop centers of influenceoften the cornerstone of a healthy client portfolio.
Master the art of referrals and introductionswhich begins with knowing the difference between the two.
Establish their own trusted board of advisors, who can provide expertise, counsel, and yes, referrals.
Become properly scripted, so they will know what to will say before they say it when it comes to engaging prospects in all types of situations.
Get their foot in the door at companies where they do not have any prior connection (our secret: Use a Wedge).
Learn about networking and referral groups, and how to make the best use of them not just for yourself, but for your colleagues as well.
Learn to properly use social media, such as LinkedIn, Facebook and Twitter to engage prospects by delivering value while building a professional brand.
And much, much more. This all new fourth edition contains nearly 300 pages worth of tips, how-to strategies and resources that will enable you to Prospect & Flourish continuously every day!

What is Your Return on Investment (ROI) in Prospect & Flourish?
Indeed, the return on your investment is fairly simple to calculate. While guarantees in many professional industries are difficult to extend, I guarantee this: if you adopt just a few approaches that you will learn throughout this book, you WILL see results.
If what you learn enables you to create at least one new client relationship, your investment has just paid for itself many times over.
Further: Look beyond your first paycheck for that single new client or job. What do you think will be the lifetime value of that one relationship? How much might you earn through serving that single entity over the lifetime of your career?
The payback on your investment grows exponentially.
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g: 2 Posted By: remick
Views: 1068 Replies: 3 http://www.amazon.com/dp/B00BFG8YQK

5.0 out of 5 stars (20 customer reviews)

Break into the fashion modeling indutry without spending a fortune on bogus modeling agencies and professional photography!!
The Model's Bible + Global Modeling Agency Contact List, was written by international supermodel R.C. Lane, and is a straight forward fashion industry insiders guide on how to break into the modeling industry and succeed in creating a lucrative career as a professional working model in the fashion industry.

Develop a strategic plan to get signed!
The Models Bible + Global Modeling Agency Contact List, will help you develop a strategic plan to get signed with a modeling agency or commercial agency and begin working in as little time as possible. Everything you need to know as a professional working model is covered in great detail drawing from firsthand experience of over a decade of working with professional photographers and top clients in the fashion capitals of the world including NYC, Paris, Milan, London, and many more.

Learn how the pro's globally submit themselves to top modeling agencies for consideration no matter where they are located using a simple digital camera.

Gain access to the highly sought after, Global Modeling Agencies Contact List and get contact information to legitimate agencies in every viable fashion modeling market around the globe including top modeling agencies in NYC, Paris, Milan, Berlin, Los Angeles, London, Cape Town, Sydney and many many more!

Learn the techniques professional fashion models use on big budget modeling sets to create bullet proof confidence and make the job look easy!

Know how to spot a scam from a mile away and avoid the mistakes many new fashion models make that can be damaging to a modeling career.

Determine which market you have the most potential for working in among the many available segments of the modeling industry around the world including high fashion modeling, commercial modeling, fitness modeling, runway modeling, plus size or child and baby modeling.

Everything you need to know about commissions, day rates, and modeling contracts in order to get the best possible deals and keep the most money in your pocket.

Gain an exclusive backstage perspective on Fashion Week in NYC, Milano, and Paris and step by step instruction on what it takes to strut the runways like a seasoned pro.

What other readers are saying!:
"The Model Bible" by R.C Lane was indeed informative at explaining the ins and outs of the model industry. Another cool thing about the book is that at the end of the book there are actual addresses to model management companies all over the world." -Danielle Benji

"Anyone planning to start a career as a model, having their child enter the field, or just curious about the life of a model, would benefit by reading this." -James Liston

"The list of contact information for over one hundred modeling agencies around the world is worth the price of the book." -Frank Coopa

About the Author:
Author of The Model's Bible, R.C. Lane, has worked with the biggest clients and agencies in the fashion industry including Lancme, Maybelline, Calvin Klein, Guess Jeans, Armani, Vogue Magazine, and Harper's Bazaar to name a few. He has been featured in hundreds of campaigns, commercials, and magazines over a career spanning more than fifteen years as a working top model.
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Am I biting off more then I can chew in regards to a condo purchase?
Added on : Saturday March 01st 2014 08:00:06 PM
g: 0 Posted By: guy4167
Views: 0 Replies: 0 Single, 2 years out of college. I have been living at my parents house. Last year I made $44,350 including bonuses. I have been promoted since I started work and it is going very well. Good job working for a large corporation, but not where I want to be in terms of salary yet. I am in the profession that my career will be spent doing.

I have $54,000 at my disposal right now. No debt and I own a car worth about $6000 that is in good working order. Thinking of purchasing a 2 bedroom condo:

$179,000 asking price. (sold for $245,000 in 06)
$4400 property taxes
$300/month HOA

Puts me at a monthly payment close to $1400 between mortgage/taxes/HOA. Only taking home $2500 a month after taxes, health insurance, maxed 401k, etc.
Free Kindle Book- How to Paint a Car in a Weekend
Added on : Saturday March 01st 2014 11:00:08 AM
g: 0 Posted By: remick
Views: 183 Replies: 0 http://www.amazon.com/How-Paint-Car-Weekend-business-ebook/dp/B0...

5.0 out of 5 stars (4 customer reviews)

Hello, in this e-book I will lay out the correct way to paint a vehicle, and at the end I will have a numerical sequence of the steps to follow to completion. I will explain some of the industry standards of how professional Paint shops operate, and the different Paints and Primers available at the local Paint Supply Shops around the country.

I will explain the type of equipment you will need, and the different stages of the painting process. I will also have an e-mail address where you can send questions. I will try to keep it simple, but there is a lot of information that you will need to complete the job. We assume that the bodywork and trim removal has already been done and the vehicle is clean and ready to go into the paint shop where ever you paint it.

I will explain the proper way to paint a vehicle using an HVLP Paint gun the most common type and explain the proper spray distance. This will get you well on your way to beginning a new self-satisfying Hobby or perhaps Career because there is a great need for Automotive Painters all over the world.

If you are interested in going to work in a Body Shop as a Paint Prepper that is someone who is learning like you, then you should go apply for a position at the least, 4 shops, 6, if theyre situated very close together. Apply 2 to 3 times a week, every week. I managed shops for many years and this will work. You will become friends with them and believe me you'll find a job, a smile and a positive attitude goes along way. Become an actor, and practice your positive attitude by smiling into a mirror. You should read Think and Grow Rich by Napoleon hill, very positive book to read to aid you in your job or career hunting.
Books & Magazines Deals
g: 1 Posted By: remick
Views: 231 Replies: 0 http://www.amazon.com/dp/B00BFG8YQK

5.0 out of 5 stars (20 customer reviews)

Break into the fashion modeling indutry without spending a fortune on bogus modeling agencies and professional photography!!
The Model's Bible + Global Modeling Agency Contact List, was written by international supermodel R.C. Lane, and is a straight forward fashion industry insiders guide on how to break into the modeling industry and succeed in creating a lucrative career as a professional working model in the fashion industry.

Develop a strategic plan to get signed!
The Models Bible + Global Modeling Agency Contact List, will help you develop a strategic plan to get signed with a modeling agency or commercial agency and begin working in as little time as possible. Everything you need to know as a professional working model is covered in great detail drawing from firsthand experience of over a decade of working with professional photographers and top clients in the fashion capitals of the world including NYC, Paris, Milan, London, and many more.

Learn how the pro's globally submit themselves to top modeling agencies for consideration no matter where they are located using a simple digital camera.

Gain access to the highly sought after, Global Modeling Agencies Contact List and get contact information to legitimate agencies in every viable fashion modeling market around the globe including top modeling agencies in NYC, Paris, Milan, Berlin, Los Angeles, London, Cape Town, Sydney and many many more!

Learn the techniques professional fashion models use on big budget modeling sets to create bullet proof confidence and make the job look easy!

Know how to spot a scam from a mile away and avoid the mistakes many new fashion models make that can be damaging to a modeling career.

Determine which market you have the most potential for working in among the many available segments of the modeling industry around the world including high fashion modeling, commercial modeling, fitness modeling, runway modeling, plus size or child and baby modeling.

Everything you need to know about commissions, day rates, and modeling contracts in order to get the best possible deals and keep the most money in your pocket.

Gain an exclusive backstage perspective on Fashion Week in NYC, Milano, and Paris and step by step instruction on what it takes to strut the runways like a seasoned pro.

What other readers are saying!:
"The Model Bible" by R.C Lane was indeed informative at explaining the ins and outs of the model industry. Another cool thing about the book is that at the end of the book there are actual addresses to model management companies all over the world." -Danielle Benji

"Anyone planning to start a career as a model, having their child enter the field, or just curious about the life of a model, would benefit by reading this." -James Liston

"The list of contact information for over one hundred modeling agencies around the world is worth the price of the book." -Frank Coopa

About the Author:
Author of The Model's Bible, R.C. Lane, has worked with the biggest clients and agencies in the fashion industry including Lancme, Maybelline, Calvin Klein, Guess Jeans, Armani, Vogue Magazine, and Harper's Bazaar to name a few. He has been featured in hundreds of campaigns, commercials, and magazines over a career spanning more than fifteen years as a working top model.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 15 Replies: 0 http://www.amazon.com/How-Paint-Car-Weekend-business-ebook/dp/B0...

5.0 out of 5 stars (4 customer reviews)

Hello, in this e-book I will lay out the correct way to paint a vehicle, and at the end I will have a numerical sequence of the steps to follow to completion. I will explain some of the industry standards of how professional Paint shops operate, and the different Paints and Primers available at the local Paint Supply Shops around the country.

I will explain the type of equipment you will need, and the different stages of the painting process. I will also have an e-mail address where you can send questions. I will try to keep it simple, but there is a lot of information that you will need to complete the job. We assume that the bodywork and trim removal has already been done and the vehicle is clean and ready to go into the paint shop where ever you paint it.

I will explain the proper way to paint a vehicle using an HVLP Paint gun the most common type and explain the proper spray distance. This will get you well on your way to beginning a new self-satisfying Hobby or perhaps Career because there is a great need for Automotive Painters all over the world.

If you are interested in going to work in a Body Shop as a Paint Prepper that is someone who is learning like you, then you should go apply for a position at the least, 4 shops, 6, if theyre situated very close together. Apply 2 to 3 times a week, every week. I managed shops for many years and this will work. You will become friends with them and believe me you'll find a job, a smile and a positive attitude goes along way. Become an actor, and practice your positive attitude by smiling into a mirror. You should read Think and Grow Rich by Napoleon hill, very positive book to read to aid you in your job or career hunting.
shoppbs.org American Experience: Jesse Owens DVD $9.99 reg $24.99
Added on : Sunday February 23rd 2014 09:00:04 AM
g: 0 Posted By: DaysFan
Views: 126 Replies: 0 Sign up for email and get 15% off
American Experience: Jesse Owens DVDList Price: $24.99Our Price: $9.99
free shpping if you buy $35 or more
1-800-531-4727Free Shipping on orders of $35 or more Details > Item No.: JESO601Single DVDhttp://www.shoppbs.org/product/index.jsp?productId=12722081&cp=2729308.2883339&ab=categorypage_history_africanamerican&parentPage=family#Details linkedAMERICAN EXPERIENCE details Jesse Owens early career; describes Adolf Hitler's outsized ambitions for the 1936 Olympics; explores the movement in Western democracies to boycott the event; and explains the pressures on Owens to attend. The film also explores why, despite his success in Germany, Owens struggled to find a place for himself in a United States that was still wrestling with its own deeply entrenched racismOut of Left Field: The Making of the Chinese Olympic Baseball Team DVDList Price: $24.99Our Price: $9.99Free Shipping on orders of $35 or more Details > Item No.: OULF601Single DVD
http://www.shoppbs.org/product/index.jsp?productId=3215542&cp=&sr=1&kw=olympics&origkw=olympics&parentPage=search&searchId=2883339
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Plight of the overeducated, starving scientist. Advice?
Added on : Thursday February 20th 2014 02:00:10 AM
g: 0 Posted By: Rommie2k6
Views: 117 Replies: 4 First, I would like to share my experience as an overeducated, starving scientist, and then I hope to solicit some feedback and advice from fellow FWF readers (who I assume have some level of financial literacy) on how to get out of this hole that I have dug myself into.

Foremost, let's examine on why people pursue a graduate or professional degree after getting the basic Bachelors, so we're talking PhD, MBA, PharmD, MD, etc... The high minded bullshit aside (I want to save lives, it's intellectual challenging, etc...), it's all for money. Generally, the higher your education level, the higher your salary. Most people with professional degrees easily hit $100k/yr shortly after graduation and peak at $200k-500k/yr depending on your profession.

All except me. I'm an overeducated (PhD), starving scientist, working at the interface of chemistry and biology, which is unfortunately overcrowded. I did NOT know this until I was 3 years into my degree, that I had joined an overcrowded field, where supply is way more than demand. In about a year, I'm going to graduate, and I feel royally screwed.

Here's the hole that I have dug myself into. For the past 4 years of my life, I have been preparing myself for a career in the ivory tower, i.e. professor. To be honest, a professor's salary ain't too bad, most of them earn >$100k/yr. The problem is:
a) Intense competition to get a professor position that pays well (we're talking about tenure-track positions at R1/R2 institutions for those who know the lingo, not instructor positions, not teaching positions and definitely not adjunct). In today's world, I'd say you have a 10% chance of getting it.
b) Extremely long times of temporary underpaid "holding pattern" positions between graduation and landing that coveted professor position, also known as postdoc positions. As a grad student, I earn $25k. As a postdoc I earn $40-50k. In comparison, a tech with only a bachelor degree doing "grunt work" in industry gets $50k/yr. Hell, I bet most blue collar jobs earn as much or more than I do!!! In my field, it is the norm that fresh PhD graduates do not get hired as professors. Instead, they spend 5 to 7 years postdoc-ing to get more scientific publications and just hang around until they get a job. To illustrate this problem, I know of a rising superstar in my field, he spent 17 years as a student and postdoc before he finally landed a position at a R1 institution.
c) Combining (a) and (b) together, I am taking a tremendous financial hit to my earnings and retirement. I have run "salary projections" on hypothetical scenario of academic vs industry jobs, based on what information I could gather from sources like glassdoor. I won't bog down with details, but I'll highlight two scenarios:
- For a career in industry that is equally successful (in terms of salary growth) as academia, the industry path will have AT LEAST $1 million more at retirement, which is equivalent to about $300k in today's dollars. The number is conservative, I've only used base salary for these calculations, and not bonuses which are common industry but not in the academy.
- A successful academic career (no more than 5 years postdoc, no more than 10 years for promotion to full professor) will yield the same amount of money at retirement as an industry career that is mediocre (never hitting $100k/yr, some unemployment years).
If these highlights startle you, yes I was dumbfounded as well. Numbers don't lie. The reason for the huge discrepancy comes from the first 5-10 years after graduation. A high paying industry job from the start allows one to save more, and magic of compounding interest works in your favor. Not so, if you are an academic.

Now, here is the REAL kicker. I am GOOD at doing what professors do. Going by metrics like number and quality of papers published (which is how academics are evaluated), I am one of the best students to come out from the lab, I'll say top 10% to give it a number. I've got awards/fellowships that are extremely prestigious (less than 10% success rate). For all my success and good performance, what I am getting in return? NOTHING! If I stick onto the academic path, I'm salary capped below $50k for the next 5 years, regardless of how well I do, and it's unlikely I won't hit a six figure salary until 10 years after I graduate. When I compare myself to others with professional degree, PharmD, PhD in engineering, etc..., those careers make $100k almost immediately after graduation. For those who are not in the ivory tower, I'm sure this comes off as puzzling. I've read a number of finance/career blogs on how to present yourself to get raises and stuff, and it is truly another world inside the ivory tower. There is this perverse culture in the ivory tower that we all do science because we love it and not for money. Yes, I love my work, but screw it if I am not going to see tangible returns anytime soon. The anti-money culture in my opinion is religious and cult-like within the academic world, and it's really frustrating because unlike other clueless PhDs, I am financially aware of the price I am paying.

So why not go to industry then? After all, I have been doing salary comparisons between industry and academic jobs haven't I? That's tricky, here are the considerations:
- From what I have figured, preparing for an industry career is very frequently at odds with preparing for an academic career. I have to chose. Industry values skills, academe values accomplishments and papers. To give an example, let's say that I invented a new cool method to do some sciency stuff. The smart academic will basically milk this method for all its worth and publish a gazillion papers out of it. But that would mean that I have specialized in only 1 thing for the last 5 years, and unless it so happens to fit into the needs of an industry position, that ain't going to cut it. To maximize odds of getting an industry job, one would need to have diverse set of skills with some level of depth, but that would translate to less papers, since the time spent learning new and diverse skills is time taken away from using those skills to get results and publish more papers.
- A likely scenario is that I may not get any industry job offers. What do I do then? Do a postdoc, bide my time and retool/reinvent myself as the industry guy? That's a sound plan, BUT the longer I do a postdoc, the more it makes sense to go into the academic route, especially since I am already doing so well as an academic. Remember that the source of the huge financial differences comes from the first 5 years after graduation. If I can't get an industry job immediately after graduation, and spend the next 3 or so years retooling and rebranding myself for industry and finally get a job in my 4th year after graduation, the salary numbers will look pretty similar as the academic path. Sure industry salary may be a bit higher, but the fact is that 4 years of underpaid postdoc has already happened and the damage is done.

I'm going to stop here now. I'd really appreciate comments and advice from the board. Even if you are not in this field, an outside perspective is going to be a refreshing change.

Lastly, as bit of service to the FWF community, if you know of any young idealistic punk who wants to pursue a PhD in Chemistry/Biology, tell them to run salary projections on possible career path. Honestly, I wish I did it in my first year. If I had, I would have developed myself for an industry position from day 1. But as of now, I'm way deep into the academic hole, and I can't really see any easy way out.

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g: 0 Posted By: remick
Views: 24 Replies: 0 http://www.amazon.com/Glimpses-Heaven-Stories-Peace-Journey-eboo...

4.4 out of 5 stars (154 customer reviews)

Trudy Harris began her career with Hospice in 1981, eventually becoming the president of the Hospice Foundation for Caring. This collection of more than forty true stories of Harris's patients offers readers an incredible glimpse at what lies beyond and what the living can learn from the dying. Her patients have described to her visions of angels and loved ones who have gone on before, the sounds of ethereal music, colors that did not exist on earth. She has been with hundreds of patients as they took their last breaths and knows the kinds of questions that both the dying and the loved ones they are leaving behind ask.
What do you say to a loved one who is dying?
What happens when we die?
How can you make a dying friend feel safe?
Does a dying person really see angels, hear music, or see friends and family members who have already died?
Tender, heartbreaking, and eye-opening, Glimpses of Heaven offers a window into the world beyond and life after death.
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Lease vs buy new vehicle
Added on : Wednesday February 12th 2014 10:00:17 AM
g: 0 Posted By: RobInBoston
Views: 208 Replies: 5 I have been one to always buy a used with cash. No hassle, no finance charges, I own the vehicle and can do what I want with it, drive as much as I want, don't have to worry about dings and dents, etc. However, I recently got into a new career field, started making a lot more money, and have decided we no longer need to deal with the "hassle" of a used van, for example, whose sliding door gets stuck/frozen every winter, or having to bring to the mechanic a few times a year, breaking down on the side of the road, having to invest in new tires and brakes, etc. Whatever peoples reasons are, some, like me, now choose to own new cars. And yes I realize this isn't the Fatwallet way, theres usually a huge hit in depreciation the first year but stick with me here...

So Ive looked into leases and have found there are some really great deals locally. Was wondering feedback / thoughts / opinions, would you buy new or lease?

Needing a family sedan Im using a 2014 Camry LE as my example. To purchase, with destination, title, doc fees, out the door price is about $24,000. Expected depreciation is $1800-$2000 the first year, $1700 the 2nd, and tapers off after that.

Now lets compare to leasing the same car, 2014, Camry LE. A local dealership has a $1999 due at signing, and $69/month lease. When factoring in the down payment, this comes out to $124/month, or $1488 per year. So for me this is the cheaper way to own a new car, as it costs $4464 over 3 years vs the depreciation of $5200 for the first 3 years of ownership.


Again, the obviously cheaper method is to buy a 3-5 year old Camry, with depreciation of $800-$1400 per year, and pay for the necessary upkeep as you go, but this is for those who want to own new, do not want to put down a lot of money, etc.

Thoughts?


Links
Cheap Lease
http://westborotoyota.com/Toyota-Camry-Zero-Down-Lease/

Average depreciation for a 2012 Camry
http://www.edmunds.com/toyota/camry/2012/tco.html


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Fiancee has large amt of Student debt. How to shield assests?
Added on : Monday February 10th 2014 06:00:17 AM
g: 0 Posted By: Playarrz
Views: 141 Replies: 6 Hello,
My fiancee and I are tying The Knot
later this year. She has an excessive amt of student debt(>$300K), but she's a physician so maybe in 10 years we will be debt free. I wanted some advice on how I should shield my assests(i'm currently employed mid-career professional).
Specifically, if I open up a joint account with her in a non-community property state, I might be liable for her debts also. Can anyone shed light into this? How do I protect my assests aside from a pre-nup? I don't want to be responsible for her student loan debt.
Thanks!
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Free Kindle Book - Critical Pursuit by Janice Cantore (was $13.99)
Added on : Tuesday February 04th 2014 08:00:15 AM
g: 1 Posted By: remick
Views: 269 Replies: 0 http://www.amazon.com/Critical-Pursuit-Janice-Cantore-ebook/dp/B...

4.5 out of 5 stars (58 customer reviews)

Officer Brinna Caruso has built a reputation at the precinct as the cop to call when a child goes missing. For Brinna, its personal because she was once one of them. Brinna and her K-9 search and rescue dog, Hero, will stop at nothing to find a missing child, no matter the stakes.
Detective Jack OReilly isnt ready to return to his homicide duties, after losing his wife to a drunk driver. Hes on the downside of his career, and bent on revenge, when hes assigned as Brinnas partner. While on patrol, Jack struggles between his quest for personal justice and his responsibility to those around him, especially his partner.
Skeptical of Jacks Motives, Brinna isnt sure she can rely on her new partner, whose reckless abandon endangers the safety of those around him. But when a man surfaces with an MO similar to the criminal who abducted Brinna twenty years earlier, Brinna and Jack must cast aside previous judgments and combine efforts to catch the kidnapper, and finally allow Brinna the peace stolen from her as a child.
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Short-term investments for spending later
Added on : Sunday January 26th 2014 12:00:11 PM
g: 0 Posted By: RunToday
Views: 144 Replies: 4 Hey all,

I need some advice on where to drop a growing amount of money (~$1k monthly) into a place that I can get it out without too much effort at some unpredictable point in the future assuming I find something fun to do with it (dream vacation, etc). HY checking accounts are not an option because I don't enjoy working to meet their minimal requirements, and the point of having this extra money is to have fun. On the other hand, I wouldn't mind investing/experimenting in private equity because the value of holding something that may generate money is fun to me in a weird way. In that case, I wouldn't necessarily need an easy way to cash out at an arbitrary time.

I make $50k annually. In 4 years I'll make $150k (on the low side) annually, putting me in the "spend now, save later" school of thought. But, I'm still living an austere and single lifestyle now, and take in approximately $15k annually more then spending. I've maxed a Roth for 2013 and 2014. Last year I almost maxed a 401k too but decided against any 401k contributions this year (just doesn't make sense with my career and near-future salary bump).

I have about $9k in savings, growing at ~$1k/month. The plan is to keep $5k in cash holdings and put the rest in some other equity of anykind. Right now I was thinking a total bond ETF but that's kind of tame. What other options are there?
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The Internship (DVD) - $2.99 @ Amazon (Prime)
Added on : Monday January 20th 2014 03:00:06 PM
g: 0 Posted By: heyyl0w
Views: 227 Replies: 0 Amazon has The Internshipon DVD for $2.99. Ships free with Prime.

"Vince Vaughn and Owen Wilson team up to crash the digital world in this laugh-out-loud buddy comedy you've been searching for! Trying to reboot their obsolete careers, old-school salesmen Billy (Vaughn) and Nick (Wilson) talk their way into an internship program at the state-of-the-art Google campus, vying for a handful of spots among tech-savvy college students who are half their age and twice as smart. The competition is fiercely funny as Billy and Nick break all the rules in a hilarious quest to land their dream jobs!"

Looking at reviews, it's clear that critics hate this movie. I thought it was pretty funny- albeit cornier than Iowa. For $3 you can see for yourself.
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Questions on college major & future career
Added on : Saturday January 18th 2014 09:00:07 AM
g: 0 Posted By: floridagators2014
Views: 30 Replies: 0 I am in my mid-20s -- getting a late start on college & life for family reasons. I started taking some classes at a local community college last year to earn my AA, and hope to transfer to a 4-year university nest year -- hoping University of Florida.

I have talked to several "academic advisors" at my college, but don't really think they seem to be knowledgeable about the real world. I am also the first to go to college in my family, so asking them for advice is not a possibility either.

My questions is: What major puts me in the best position to have a good career? I know that a job is not guaranteed no matter your major, but I want to give myself the best possible chances. I don't need to be rich, but want to be comfortable -- don't want to live paycheck to paycheck ever. I am also going to more than likely need to support my mother -- and possibly brother as well -- in 10 or so years.

I am good at math and interested in computers. I was thinking about computer engineering or computer science. Possibly double majoring/minoring in math. I looked at nursing, but know that I would be miserable doing that for the rest of my life -- I am pretty introverted.

I have been following FWF for a few years, and there seems to be a lot of knowledge people on this board. I appreciate any advice I get! Thanks everyone in advance.
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I need an advice regarding to future career....
Added on : Friday January 17th 2014 11:00:09 AM
g: 0 Posted By: sang614
Views: 236 Replies: 7 Here is a little bit of info of myself:

Age: 25, male, single
Occupation: Doing M.A in Accounting, B.Aed in Economics
Student debt: 20k currently

I was talking to my dad about my future career: he advised me to move to metropolitan city NOT because of higher salary, but because of MORE opportunity to climb up the corporate ladder and smoother career change if I ever wanted to do so. But here is the problem: our school is geared specifically for working with state government. Our main program for graduate is to Co-op, where you work part-time for state government while finishing up my degree, which roughly translate into smoother process for me to work for state government (probably much more stability, too). Granted, the paygrade may be lower than that of average market, but housing is very affordable near my area given that here is middle of nowhere. I also see some of my friends who work for regional big 4 firms in rural states like Iowa- they seem to be content with their life. But then again, I guess it is true that I can move to metropolitan area easily as I don't have a family yet.

Here is my question to you, finance gurus.

If you ever go back to your 20s and have an option to move around, where would you choose- metropolitan or rural area?

Which option do you think it is morepreferable in my situation- job security or opportunity?

If you have ANY advice you could give to this youngster, please, feel free to share with me.

TL;DR: A student in 20s would like to know which geographic would be more preferable for advancing/jumpstarting his career- rural or metropolitan?
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g: 1 Posted By: jessicadabears
Views: 199 Replies: 0 BandFuse: Rock Legends (Xbox 360 or PS3) w/ Cablefor $39.99 (Was $69.99) shipped at Amazon.

Includes the game and one 1/4-in. guitar cable. Works with any real guitar with 1/4-in. jack.
Multiplayer: Form local bands and play along with your favorite songs, or create original music with up to 4 players on Guitar, Bass or Vocals
Authentic Equipment: Amp and pedal effects like distortion, reverb and chorus
Total Song Control: Slow down songs to hear every nuance or loop favorite song segments and jam along, refining your technique and mastering favorite tracks
Deep Career Mode: Progress through the phases of a rock career starting from humble beginnings and work your way up to becoming a Rock Legend
Great Feel: Perfect response time, superior polyphonic note detection and a fully unlocked library of hit songs


Next lowest price on Google Productsis $69.96.

Review: Metacritic
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Free Careers in Welding comic book, dvd and magazine
Added on : Thursday January 09th 2014 03:00:04 AM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.careersinwelding.com/welding_careers_magazine.php
g: 0 Posted By: BennyZz
Views: 27 Replies: 0 [l=Link]http://www.amazon.com/Beginner-Programming-Using-Microsoft-Serve...[Kindle+Edition][/l]

SQL Server 2012 introduces a number of new T-SQL programming features. All the new features are presented in this book with examples. Also traditional SQL programming presented with practical examples such as SELECT, INSERT, UPDATE, DELETE & MERGE just to mention a few SQL commands. SQL (Structured Query Language) programming teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some SQL programming and database design, and who wish to refresh & expand their RDBMS development technology horizons. Familiarity with at least one computer programming language, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of practical SQL queries (over 1,100 SELECT queries) and T-SQL scripts, plenty to learn indeed. The queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database. The book teaches through vivid T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel the SQL language in your DNA. SQL queries must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database development expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Charlie, can you tell me what is the total revenue for March?", you have to be able to type the query without documentation or SQL forum search and provide the results to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio. SQL Server 2012 installation, new programming functions, data export and data import presented step by step. Mastery of SQL programming book likely to be sufficient for career advancement as a database developer.
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6 Business Free Kindle ebook downloads
Added on : Wednesday January 08th 2014 06:00:20 AM
g: 0 Posted By: attaallah
Views: 102 Replies: 0
Career Mapping for Climbing Managers by Dorothy Tannahill-Moran
Easily Raise Your Credit Score By 100 Points
The Definitive Guide To Storing Gold & Silver:
How to Get a Truckload of Reviews on Amazon.com
Feed the Pig by Travis Rusko
Special Report by Vick Boone Jr.

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5 Free Business Kindle ebook downloads
Added on : Tuesday January 07th 2014 07:00:11 AM
g: 2 Posted By: attaallah
Views: 248 Replies: 0 5 Free Business Kindle ebook downloads

Secrets of a Master Closer by Mike Kaplan
Escaping Career Prison by Amy Van Court
Starting Your Own Business by Nevin Buconjic
Management And Leadership Skills by BJ Knights
12 Steps to Freedom by Paul Rega


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g: 5 Posted By: remick
Views: 338 Replies: 0 http://www.amazon.com/Beginner-Programming-Using-Microsoft-Server-ebook/dp/B009ECEE84

SQL Server 2012 introduces a number of new T-SQL programming features. All the new features are presented in this book with examples. Also traditional SQL programming presented with practical examples such as SELECT, INSERT, UPDATE, DELETE & MERGE just to mention a few SQL commands. SQL (Structured Query Language) programming teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some SQL programming and database design, and who wish to refresh & expand their RDBMS development technology horizons. Familiarity with at least one computer programming language, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of practical SQL queries (over 1,100 SELECT queries) and T-SQL scripts, plenty to learn indeed. The queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database. The book teaches through vivid T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel the SQL language in your DNA. SQL queries must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database development expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Charlie, can you tell me what is the total revenue for March?", you have to be able to type the query without documentation or SQL forum search and provide the results to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio. SQL Server 2012 installation, new programming functions, data export and data import presented step by step. Mastery of SQL programming book likely to be sufficient for career advancement as a database developer.



Also free at the time of posting:

Introducing Windows Server 2012 RTM Edition
http://www.amazon.com/Introducing-Windows-Server-Edition-ebook/dp/B008X73O5A


Introducing Microsoft SQL Server 2012
http://www.amazon.com/Introducing-Microsoft-Server-2012-ebook/dp/B007PJ6DSW


PHP Data Objects Quick Start (PHP Basic Recipe)
http://www.amazon.com/Objects-Quick-Start-Basic-Recipe-ebook/dp/B00H6DAR6Q

PHP Data Objects Quick Start is a short guide to common Structured Query Language (SQL) operations such as create, read, update and delete (CRUD) that you would perform while working with the PHP Data Objects (PDO) extension.
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g: 0 Posted By: heyyl0w
Views: 251 Replies: 2 Pennywise.biz has a 2-pack of Calvin Klein Men's Smooth Leather Black/Brown Reversible Belts (73028) for $27.

Currently available in sizes 34-42.

Google Productssays one belt is usually between $36 and $45 from reputable sellers. Camelx3 says one belt is currently $27at Amazon. That makes this deal 2 for the price of 1.

"The position of the belt on a mans' pants is a pretty good indicator of his age and maturity. By teenagers, belt buckles will work the hardest in an attempt to keep the pants up above the rear. In adulthood, they remain steadfast at the waist to signify professionalism, while at old age, they tend to creep up towards the chest. In addition to being an indicator of life, as well as an essential in menswear, a nice leather belt is usually a sign of luxury, opulence, and helps you look sharp and spiffy. Its important to dress for the job you want, which, incidentally, is why most supermodels usually start their careers as mannequins. So go ahead and buckle up in style, with the Calvin Klein Men's Smooth Black Leather Reversible Belt. Double your options while maintaining your singular style. These belts from Calvin Klein do it all. Calvin Klein puts the polish in your workweek (and weekend) with the versatile design of these black / brown reversible leather belt"

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Career Thoughts and Compensation - 2013 Edition
Added on : Sunday December 29th 2013 07:00:08 AM
g: 0 Posted By: zhelder
Views: 250 Replies: 1 Greetings and Happy New Year! It's time to start the 2013 Career Thoughts and Compensation Thread! I started doing these threads annually on the FatWallet Finance board in 2006. When I originally started this thread, I thought that it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. Over the years, a wide variety of people in all sorts of careers have contributed to these threads, and it's my hope that these threads have proven to be a valuable resource for those who are contemplating their career options.

DA RULES:

If you participate, please try to keep this a positive, informative thread, and let's not get into any arguments about how one's career/education/compensation makes him/her superior/inferior to other people. Please do not insult people by claiming they are overpaid, do no work, etc. Contribute as much or as little information as you're comfortable sharing, but please be honest so that this may serve as a truly informative thread for people mulling their career options.

So, now that the ground rules have been set, how did your job go this year? Did things go well or not so well? How well were you compensated for 2013? Did the poor (but allegedly improving) economy have a serious effect on your career? Maybe each person can give a brief description of themselves, their job, their education levels, and their salaries, present and maybe even projected salaries for the future. As always, since I'm starting the thread, I have to bite first:

Gender: Male

Age: 41

Location: Northern NJ

Occupation: Urban Educator (My fancy title for a teacher in a city of low socioeconomic standing)

Education: M.A., plus 33 additional credits

2013 Compensation: $101,600 - Pretty much base pay. Not too much extra $$$ this year.

Future Salary Projection: Not too much further to go from here in my current position. Salary will go up maybe $3000 next year. Then, it might go up $1700 or $1800 per year.

Benefits: Full medical, although teachers in NJ now have to pay a percentage of their salaries for their medical benefits. (It's currently based on a sliding scale, based on income, but no less than 1.5% of base salary.) We get modest dental, generous sick and personal time, a decent pension plan (at least if the state doesn't default on the benefits). While teachers still get tenure in most states, the protections afforded by tenure have been significantly weakened in many states, including NJ.

What's the job like?

Very difficult and getting more difficult by the year. Tremendously long hours, almost no down time during the school day (I don't take lunch very often), lots of work at home, deplorable working conditions, with some classrooms reaching temperatures of 90+ degrees and others below freezing. You will also most likely need to spend a decent amount of money on supplies for students because your school won't provide them, even though they insist on your using them. Very little respect and support from most supervisors, parents, and students, although I will admit that things seem to have gotten a hair better between teachers and administration in my district (overall, anyway).

Revision of tenure laws and new evaluation systems have made a very difficult job even more difficult.

Would you recommend the career to others?

Every year, my recommendation for entering education has become a little less enthusiastic. At this point, I have to say that I can't recommend education as a career, at least until things change significantly. The public employee bashing in the U.S. is still strong, with teachers still at the top of the "Bash List", and it doesn't look like attitudes are going to change anytime soon.

The weakened tenure laws and new evaluation systems have exacerbated an already tough situation. IMHO, these changes aren't meant to improve educators. They're meant to enrich private corporations (the testing and evaluation companies are making gobs of money off the schools), and to make it easier to weed out older, higher paid teachers (like me).

This is not an easy job. If you're doing it correctly, it's at least a 50-60 hour a week job, and it's 50-60 hours of grueling work. Teachers in urban districts in particular have taken a real beating. They are expected to be miracle workers, solving all of our society's ills. And, sadly, new workers are likely going to suffer the most. NJ has already cut pension benefits and increased retirement ages for newer workers, and, honestly, it wouldn't surprise me to see pensions eliminated for new employees as well as two or three different salary tiers for teachers based on their time of service in the near future.

If you still want to go into education, be prepared for a very tough road ahead.
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Free Kindle Book- Overcome Adversity Your Dreams Matter (was $21.97)
Added on : Friday December 27th 2013 03:00:03 AM
g: 0 Posted By: remick
Views: 167 Replies: 0 http://www.amazon.com/Overcome-Adversity-Dreams-Matter-BreakThru-ebook/dp/B00HI8PE62

"Overcome Adversity - Your Dreams Matter", was written and designed by Andrew Brown, a decorated US Army Medical Service Officer. Andrew's goal is to; roadmap the recovery and breakthrough process needed for the reader to define their own life purpose. The book is an active read - emotionally connecting the reader with realistic examples, inspirational and spiritual insight, and practical tools for application. By the end of the book, the reader will be refreshed, renewed, and spiritually redefined. Empowered with tested tools and strategies; to follow their divine calling, and utilize their God given gifts and talents to achieve their own dreams.

Brown, details his recovery from a near-fatal automobile accident during his military career. He was just seven hours from graduating from the US Army Medical Center and School. Faced with a defining moment of a 10/90 percent chance to live; Brown, is medevac by helicopter to the hospital comatose; prognosis...Terminal. What happens to him next is a miracle you must read and experience for yourself! The story is captivating, and layered with insurmountable defining moments. Incapacitated and at the doorway of disaster; Andrew, is barricaded in numerous injuries. The residuals of his past, the defining moments of medical uncertainty, confront him; and castrate his ability to lead himself.
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Anyone here SELL credit card processing for merchants? Career change.
Added on : Thursday December 26th 2013 05:00:14 PM
g: 0 Posted By: FWpep
Views: 100 Replies: 0 Hello,

I am wondering if any other fellow FW folks sell or have sold credit card processing for merchants and if so, could you please provide any insight based on your experiences?

I am strongly considering this change as my present job is slated to end in early 2014. I am currently in sales and have no problems cold calling.

I am prepared (mentally and financially) to work for 6-months to a year knowing that the pay will be very low to zero initially until the business is built up some.

I am not sure if FW allows you to share recommendations on names of merchant processing companies I might consider. If not, I'd appreciate any feedback you could provide via private message.

I am particularly curious about the following:

1). is it better to go with a large processor or smaller processor for potentially better servicing of the client (chargebacks, etc...)

2) is cost pricing (and flexibility for sales person to set pricing) better with a large or smaller processor -or- is cost pricing typically the same across the board.

3) is their a better processor specifically for internet based merchants with high volume of internet sales.

4. can merchant processor companies (i.e. Chase, Wells, Leaders, etc...) compete with the likes of Costco Merchant Services and Paypal high volume programs? (specifically in the area of merchant's internet transactions).

I would appreciate any feedback, or external resources any fellow FW can share. Thank you!


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Life on the Mississippi [Kindle Edition] Free by Mark Twain
Added on : Friday December 20th 2013 03:00:03 AM
g: 2 Posted By: ArtieLange
Views: 201 Replies: 2 Review:
Memoir of the steamboat era on the Mississippi River before the American Civil War by Mark Twain, published in 1883. The book begins with a brief history of the river from its discovery by Hernando de Soto in 1541. Chapters 4-22 describe Twain's career as a Mississippi steamboat pilot, the fulfillment of a childhood dream. The second half of Life on the Mississippi tells of Twain's return, many years after, to travel the river from St. Louis to New Orleans. By then the competition from railroads had made steamboats passe, in spite of improvements in navigation and boat construction. Twain sees new, large cities on the river, and records his observations on greed, gullibility, tragedy, and bad architecture. -- The Merriam-Webster Encyclopedia of Literature

http://www.amazon.com/Life-Mississippi-Mark-Twain/dp/1613825048/ref=sr_1_1?ie=UTF8&qid=1387546559&sr=8-1&keywords=Life+on+the+Mississippi
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Request for career advice (Update 2)
Added on : Saturday December 14th 2013 02:00:05 PM
g: 0 Posted By: puddonhead
Views: 123 Replies: 0 Okie doe... It's one year since I hadlast posted on this topic. I'm giving a mid-course update - partly to chronicle what's happened and partly to request for any helpful suggestions/advice anyone can offer.

Previous topic #1: Request for career advice
Previous topic #2: Request for career advice (Update ...)

Recap:
1. Wifey was a stay-at-home mom, looking to get back to work after minding the kids for 6 years. This was circa 2011.
2. She had a liberal arts background, with an MA in English Literature.
3. She loves teaching and wanted to be a school teacher. Initially she wanted to be an elementary teacher (so that she could work in the same school that the kids are goint to go to). She started taking courses in the community college towards to meet pre-requisites as advised by the local teaching college advisoron Jan-12 (Undergrad Spring semester).
4. Some of the pre-requisites included math and science. She did pretty well in those - well enough to be appointed as a "peer tutor" of mathematics in the CC getting paid $9/hr.
5. One semester of peer tutoring later - she has now completed Pre-Calc and started Calculus I. She got an offer to join as an "EA" at the same CC - doing the same job as a peer-tutor, but getting paid $24/hour instead.
6. By this time her goals have completely changed. From elementary teacher, she initially wanted to become a math teacher, and eventually veered into Computer Science.
7. After doing some leg-work, she gets admission into the MS program in Computer Science in one of the local universities. Because of her (lack of) background - she has to take 6 additional, undergrad level courses as compared to a normal MS student.

Since Then:
1. She has completed the Calculus Series of mathematics (I, II, and III). With A's in everything but Calc.-II, where she got a B.
2. She has taken 4 of the 6 required pre-requisite CS Undergrad courses: Programming I (she got an A), Programming II (B), Data Structures (grades not out yet: possibly a B+ or A-), Computer Architecture (grades not out yet: but almost certainly anA).
3. She still needs to take Algorithms and Operating Systems as the undergrad core courses - in addition to the graduate courses for her degree.

Plan:
1. At the time of last posting - she was not sure if she will pursue an academic career or a job-oriented one. This has now been clarified - she will complete the MS degree and start a job ASAP.
2. If everything goes according to plan - she should be able to complete all the courses required for MS sometime in the middle of 2015.
3. The goal is to prepare for, and get a Java Certification (associate - to start with) during the summer break of 2014.

Other considerations:
1. Consequent to her goal clarification (i.e. going for job, not academics)- some of the earlier course plans have changed. She had earlier planned to take some intermediate level math courses (e.g. Diff. Eq., Linear Algebra, Discrete Math etc.). Only Discrete is still in the course plan. Also jettisoned are some of the theoretical CS courses like the "Computation Theory", "Theory of Programming Languages" - in preference of courses that have more practical applications.
2. Once she completes the MS and starts a job- she will re-evaluate if it makes sense to change course (perhaps a part time PhD, or try to find any academic position etc)..

Some of the suggestions (and even negative... errr... constructive) feedback in the earlier threads were helpful. Any suggestions?
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How to negotiate an appropriate pay
Added on : Friday December 13th 2013 11:00:08 AM
g: 0 Posted By: VAIndigo
Views: 260 Replies: 5 The federal contractor(IT Services company) I work is being replaced with another major company at the department. As part of the transition the new company offered similar positions to most of the team.
I hold a critical role with a special skills than any one else in the team. My current manager and everyone recognizes the skill and the key role i am playing. The new company came and made a general offer like everyone else without recognizing my special tools experience and the key role i play. Its quite evident that the onboarding HR team has not done their homework and clubbed me along with rest of the members. They even didn't recognize me with my special skills and gave a similar title as others.

What this translates to is my salary they offered is 10% less than what i got when I joined this company 3 years back and almost same as what i got 5 years back in my career. Due to the recent increased responsibilities (only other member with similar skills has left the company after the new company came into picture) i was actually expecting a 10% hike.

My problem is this hiring HR team doesn't seem to understand the skill set and not doing their homework. They are often being rude and ears shut.

What is the best course for me to navigate to get my deserved salary.

-> Salary.com shows higher salary than what they offer but i don't know how to bring this up
-> I can write to the program manager (incharge to setup the new team) but what should i say to not offend at the same time make my point.

They sent me a letter sayin I have 3 days to accept the offer. Any pointers would be highly appreciated
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g: 0 Posted By: MrsF
Views: 168 Replies: 0 http://www.amazon.com/American-Sniper-Autobiography-Military-History-ebook/dp/B005GFPZYK/ref=pd_rhf_ee_s_cp_7_BE87?ie=UTF8&refRID=01JSF88ZR7NMZZ85CFFX

Amazon KINDLE E-BOOK

American Sniper: The Autobiography of the Most Lethal Sniper in U.S. Military HistoryPublished January 3, 2012
By Chris Kyle - - $4.99

Gripping, eye-opening, and powerful, American Sniper is the astonishing autobiography of SEAL Chief Chris Kyle, who is the record-holding sniper in U.S. military history. Kyle has more than 150 officially confirmed kills (the previous American record was 109), though his remarkable career total has not been made public by the Pentagon.In this New York Times bestselling memoir, Kyle shares the true story of his extraordinary decade-long career, including his multiple combat tours in Iraq (Operation Iraqi Freedom) and elsewhere from 1999-2009. Kyles riveting first-person account of how he went from Texas rodeo cowboy to expert marksman and feared assassin offers a fascinating view of modern-day warfare and one of the most in-depth and illuminating looks into the secret world of Special Ops ever written.

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Microsoft Virtualization Certification FREE valued normally at $150
Added on : Thursday December 05th 2013 07:00:03 AM
g: 1 Posted By: rockymast
Views: 171 Replies: 2 It's time for Virtualization2. In an increasingly multi-hypervisor world, more and more IT organizations are using Hyper-V from Microsoft in addition to VMware solutions. With nearly two-thirds** of businesses on more than one virtualization platform, adding Hyper-V to your wheelhouse can help improve your career options and prepare you for the world beyond virtualization. Learn, try and take the exam to get certified on Microsoft virtualization for free.*

Take our free online training then receive a voucher to take the new Microsoft virtualization certification exam for free!*

* Vouchers can be used to take the new Microsoft virtualization certification exam (74-409) normally $150 USD for free. The number of free exams is limited; obtaining a voucher does not guarantee a free exam, so schedule your exam soon. Vouchers expire and all exams must be taken by June 30, 2014.

http://www.virtualizationsquared.com/#section-intro
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g: 0 Posted By: remick
Views: 211 Replies: 0 http://www.amazon.com/Travis-Edward-Pikes-Tales-Wonders-ebook/dp/B00GG2OYW6

Imagine a time capsule, sealed in 1974, full of exciting storytelling songs and rhymes composed at the height of the American social and musical revolution of that time -- not recordings, but lyrics and rhymes never before recorded for public release. Then, imagine the "time capsule" is deteriorating with most of its treasures still inside, and unless these works are retrieved and recorded quickly, they may soon be lost forever.
Travis Edward Pike's Odd Tales and Wonders is equal parts memoir and collection of some of his most memorable works from 1964-1974. Arriving in Los Angeles in 1968, this multi-talented Bostonian won an INTERCOM award for Special Achievement - Writing at the 1999 Chicago Film Festival for his feature-length video performance of his original epic narrative rhyme, Grumpuss. At the 2006 U.S. International Film and Video Awards, as the co-writer, co-producer and editor, he took home Certificates for Creative Excellence for the feature documentary Volunteers for Verdi. If his career was a screenplay, this book would be its First Act and its publication would signal the beginning, in screenwriter's jargon, of its Third Act, when all the obstacles introduced in this First Act are overcome and the saga's many subplots are resolved.
Music journalist Harvey Kubernik, author of A Perfect Haze: The Illustrated History of the Monterey International Pop Festival and Canyon of Dreams: The Magic and the Music of Laurel Canyon writes in his Foreword to Odd Tales and Wonders, "Read his book and listen to the soundtrack from the First Act of the life now being revealed by this multi-talented Hollywood multi-hyphenate. Discover his music and poetry, once heard live by thousands, preserved in memory and notebooks, and finally, for the first time, arranged and recorded for this generation in Odd Tales and Wonders: Stories in Song and Odd Tales and Wonders: Stories in Rhyme."
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g: 0 Posted By: Gambit3
Views: 144 Replies: 3 MLB Series 29 New York Yankees 6 inch Action Figure - Alex Rodriguez*

http://www.toysrus.com/product/index.jsp?productId=12805613

From $15.99Product Description
McFarlane Toys presents the New York Yankee's Alex Roedriguez, a 3 time AL MVP, 14 time All Star, and 5th all time in career HR's.
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UPC/EAN/ISBN: 787926807110
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Product Weight:0.5pounds
Product Dimensions (in inches):8.2 x 7.2 x 3.5

*PEDs not included.
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Free Kindle Book- Lincoln at Peoria: The Turning Point (was $29.95)
Added on : Wednesday November 20th 2013 02:00:06 AM
g: 0 Posted By: remick
Views: 247 Replies: 1 http://www.amazon.com/Lincoln-at-Peoria-Turning-Point-ebook/dp/B00CXUTZKG

To understand President Abraham Lincoln, one must understand the extraordinary antislavery speech Lincoln delivered at Peoria, Illinois, on October 16, 1854. This three-hour address marked the turning point in Lincoln's political pilgrimage, dramatically altering his political career and, as a result, the history of America. Though historians and biographers have noted its importance, Lincoln's speech at Peoria has not received the attention it deserves. Lehrman offers a complete examination of the speech that changed the course of our nation.
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Best Ways To Churn At this Point...
Added on : Thursday November 14th 2013 05:00:16 AM
g: 0 Posted By: justignoredem
Views: 101 Replies: 2 Hello FWers. I'm looking for some advice from people. Namely, these questions:
1) Should I get more credit cards (Or will it hurt my credit too much?)
2) Which Credit Cards Should I get? (To Maximize churn, good starting bonus, etc)
3) Should I get any with annual fees that I have been avoiding like the plague?

Situation:
I am looking for more ways to churn money as possible. As of right now, I have stuck with nothing but No annual fee, rotating 5% category credit cards. These have been incredibly lacking lately. Apparently they are playing a game for the last year called "Match what the other is doing!", thus making them insignificant to having multiple (aside from being able to put more into the category). I want to maximize as much different revenue from all categories as possible. At the same time, I don't wantrandom cards for 1 tiny category that I barely contribute anything to - especially if it has an annual fee tacked on to it. While I don't want to HURT my credit, I'm not at a point where I think I can hurt it too much either. I have 0 loans under my belt (including college), 0 mortgage, but ~4 years experience with credit cards and 0 late fees. I do not pay interest on anything.

The other day we decided to buy $2k for wooden flooring replacement. I had nothing to do other than get a measly 1% out of it. I felt bad getting so little out of that. We just got back from a trip where we had to spend on hotels, I feel we don't get enough CashBack out of trips as well... For that, I was thinking the Marriott with 70k points, but that is an annual fee card.

Current Credit Cards:

Discover - Rotating 5% Categories
Chase - Rotating 5% Categories
Citi - Rotating 5% Categories
American Express, Costco - 3% Off Gas (Not used), 2% Travel (Use this for flights/hotels), 1% Else. Mostly this card I use for risky transactions, AMX is known for being the most reliable in helping
Bank of America, Cash Rewards - 3% Off Gas (Use this), 2% Off Groceries (Use this), 1% Else
Bank of America, Better Balance Rewards - Free $ Churn


Personal Life:
I'm in my mid 20's. I'm about to get married, my fiance has a mortgage that is entirely under her name. We have a lot of expenses coming up with the wedding, honey moon, and more. While we want to move, there currently is just no means to with our job situation. We hate the town, but we have excellent opportunity with our career. It's a mixed bag.

Anythign else, feel free to ask
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***DEAD *** FREE Kindle Book - Born to Win: Find Your Success Code was $9.99
Added on : Wednesday November 13th 2013 12:00:07 PM
g: 5 Posted By: archena
Views: 4057 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Born to Win: Find Your Success Code [Kindle Edition] was $9.99

Zig Ziglar (Author)

http://www.amazon.com/dp/B006ZG5THW

Publication Date: January 18, 2012

Publisher: AudioInk

33 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

Zig Ziglars Born to Win: Find Your Success Code, compresses four decades of life-changing tools and practices into one inspiring, easy-to-use format for people who want to grow and improve the whole spectrum of their lives now!

Zig has always taught that You were born to win, but to be the winner you were born to be you must plan to win and prepare to win. Then and only then can you legitimately expect to win. Born to Win guides readers through this plan-prepare-expect strategy. You will learn that when you have the hope that things can change, and a plan to make that change possible, you can take action.

In this interactive eBook, at a click of an icon you can instantly hear guest celebrity stories from Dave Ramsey, Seth Godin and many more. Youll be amazed at who attributes their success to Zigs teachings!

Zig Ziglars whole-person, balanced-living approach to life has inspired millions to enjoy good health, a new depth of love and gratitude for family and friends, financial security and independence, and spiritual peace of mind. His instruction on how to live a life that leaves no room for regret or worry is the starting point for a joyful, exciting, vibrant life. It is true that when you have prepared yourself to be the right kind of person, you can do what you need to do to expect success. When you truly understand that you were born to win, you can change the world!

"Its going to be the most fun and exciting trip youll ever take. Its filled with more promise of reward than King Solomons mines. In short, this journey to the top, which you are going to be taking, is a tremendously exciting trip." Zig Ziglar

About the Author

Author Bio:

ZIG ZIGLAR, world-renowned author and speaker, has an appeal that transcends barriers of age, culture, and occupation. Since 1970 he has traveled over five million miles across the world delivering powerful life-improvement messages, cultivating the energy of change. Mr. Ziglar has written twenty-nine celebrated books on personal growth, leadership, sales, faith, family, and success, ten of which have been on the bestseller lists. His books and tapes have been translated into over thirty-eight languages and dialects.

TOM ZIGLAR, CEO of Ziglar, Inc., not only shares a last name with his father, Zig Ziglar, he also carries on his philosophy: ''You can have everything in life you want if you will just help enough other people get what they want.'' Prior to being named CEO, Tom began his career in retail and direct sales. He joined the Zig Ziglar Corporation in 1987, learning every aspect of the business as he climbed from working in the warehouse to sales, seminar promotion, sales management, and then on to leadership. He is boldly taking Ziglar, Inc., into the world of social communities, Twitter, blogs, and live video webcasts to present the tried-and-true message of hope, integrity, and positive thinking to a whole new audience.

Reader Bio:

ANDY ANDREWS, hailed by the New York Times as a ''modern-day Will Rogers who has quietly become one of the most influential people in America,'' is an internationally known speaker and novelist whose combined works have sold millions of copies worldwide. He has been received at the White House and has spoken at the request of four different presidents. His second PBS special, Andy Andrews: The Traveler's Gift, has aired nationally to rave reviews.
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g: 4 Posted By: archena
Views: 2366 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage [Kindle Edition] was $9.99

Chris LaVictoire Mahai (Author)

http://www.amazon.com/dp/B007KO61TI

Publication Date: March 14, 2012

Publisher: Out of the Ordinary Media

6 Reviews ★★★★★

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

#9 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management


How can an elephants predictability inform a multinational company?
What can a cheetah teach a business about speed?

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage uses the animal kingdom as a metaphor for increasing results, and features interviews with executives at U.S. Bank, Red Mango, Hitachi Global Storage Technologies, the San Diego Zoo and others to explore what drives peak performance against the customer problem an organization has chosen to solve.

With this clever, thought-provoking business book by Chris LaVictoire Mahai, co-owner and managing partner at global strategy and operational change firm Aveus, the path to peak performance is as clear and impressive as an African night sky.

About the Author
Chris LaVictoire Mahai is co-owner and managing partner at St. Paul-based global strategy and operational change firm Aveus. Her career includes more than 25 years of experience in leading, developing, and implementing business and marketplace strategies. Through Aveus, Mahai has worked with over 100 organizations from large global enterprises to family-owned businesses and startups, non-profits and other service organizations. She has served on the board of several businesses and non-profit organizations, and is an active investor in women-owned and led businesses.
During her corporate career, Mahai held several executive roles at Cowles Media/Star Tribune. She also spent nearly fifteen years in the financial services industry, including several executive positions at First Bank (now US Bank).
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*** DEAD *** FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Wednesday November 06th 2013 06:00:17 AM
g: 10 Posted By: archena
Views: 2852 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
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g: 6 Posted By: archena
Views: 2019 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Hike Your Own Hike: 7 Life Lessons from Backpacking Across America (WanderLearn Series) [Kindle Edition] was $9.99

Francis Tapon (Author)

http://www.amazon.com/dp/B002MH4K00

Publication Date: August 27, 2012

Publisher: WanderLearn Press

50 Reviews ★★★★

#1 in Kindle Store > Kindle eBooks > Nonfiction > Travel > United States > Regions

#2 in Kindle Store > Kindle eBooks > Nonfiction > Self-Help

Francis Tapon sought wisdom when he quit his Silicon Valley job, donated most of his belongings, and set off to hike the Appalachian Trail. He and his hiking partner, Lisa Garrett, traversed the 2,168 mile footpath by walking for nearly four months from sunrise to sunset. The pilgrimage gave him insights that not only apply to backpacking, but to life itself. It also taught him that there sure are easier ways to go from Maine to Georgia.

While you enjoy the intense journey, youll learn: Why the Appalachian Trails credo is relevant to your life.

- How to control your finances.
- How to discover and pursue your passion.
- How to avoid costly mistakes and conquer your fears.
- How to dramatically improve your health.
- Why the Appalachian Trail teaches you more about human nature than Mother Nature.
- How to shrug off misfortune and live stress free.
- Why mosquitoes just want to be your friend.

Packed with a map, photographs, sidebars, and self assessment quizzes!

Francis Tapon knew he had a good lifehe had a great career, fantastic friends, a nice home, and a cool electric shaver. However, something was missing. His life was good, but not great. It was quite predictable and safe, but thoroughly uninspiring. He wondered how to take his life to the next level.

He thought it would be smart to do what the sages do: hang out in the woods for several months and get some wisdom. Although he ultimately found wisdom, finding it wasnt as easy or as romantic as all those spiritual books say it is. They neglect to mention that during the hot humid summer months theres no air conditioning in the woods.

Hike Your Own Hike balances the story of an adventurous and insightful trip across the Appalachian Mountains with practical advice on how to squeeze the most out of life both on and off the trail. Its enlightening, educational, and entertaining. Its a
serious book that doesnt take itself so seriously.

Hiking the entire Appalachian Trail in one season has soared in popularity over the last 20 years. Compared to 1986, there are eight times more people trying to thru-hike it! What accounts for this phenomenon?

Today people are overly stressed and need a break to return to the fundamentals. Feeling disconnected from the rhythms of life, hikers go on multi-month trails to recalibrate their perspective and to remind themselves of what really matters.

Hike Your Own Hike is about an incredible pilgrimage, what we can learn from it, and how to enrich our lives without getting too muddy.

Francis is donating 50% of his book royalty to the Appalachian Trail, the Pacific Crest Trail, and the Continental Divide Trail. So even if you dont think youll like this book, buy it anyway so you can support those trails.

This is definitely not your ordinary Appalachian Trail thru-hike memoir.
Brian T. Fitzgerald, Chair, Appalachian Trail Conservancy

Francis Tapons book is a marvelous addition to the very best outdoor and personal development books available. Against the backdrop of a rich and unique journey along the Appalachian Trail, Hike Your Own Hike offers the reader a wealth of
practical how-tos blended masterfully with the wisdom of the ages. This isnt another boring hiking guidebook, its a wonderful
guidebook for life. Kim and Demetri Coupounas, Co-Founders, GoLite

Dont expect a dull trail log. Dont expect a humdrum self-help book. Instead, expect to laugh and learn as Hike Your Own Hike weaves practical wisdom with an epic journey as the backdrop.Dave Roberson, President and Chief Operating Officer of Hitachi Data Systems

Its hard to imagine a book that combines the strengths of Bill Brysons "Walk in the Woods" and Stephen Coveys "7 Habits of Highly Effective People," but "Hike Your Own Hike" has done it! Marco Iansiti, Harvard Business School Professor.
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FREE Kindle Book - ROAR: Strengthening business performance .. was $9.99
Added on : Tuesday November 05th 2013 07:00:15 AM
g: 0 Posted By: archena
Views: 48 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage [Kindle Edition] was $9.99

Chris LaVictoire Mahai (Author)

http://www.amazon.com/dp/B007KO61TI

Publication Date: March 14, 2012

Publisher: Out of the Ordinary Media

6 Reviews ★★★★★

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Production & Operations

#9 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Management


How can an elephants predictability inform a multinational company?
What can a cheetah teach a business about speed?

ROAR: Strengthening business performance through speed, predictability, flexibility, and leverage uses the animal kingdom as a metaphor for increasing results, and features interviews with executives at U.S. Bank, Red Mango, Hitachi Global Storage Technologies, the San Diego Zoo and others to explore what drives peak performance against the customer problem an organization has chosen to solve.

With this clever, thought-provoking business book by Chris LaVictoire Mahai, co-owner and managing partner at global strategy and operational change firm Aveus, the path to peak performance is as clear and impressive as an African night sky.

About the Author
Chris LaVictoire Mahai is co-owner and managing partner at St. Paul-based global strategy and operational change firm Aveus. Her career includes more than 25 years of experience in leading, developing, and implementing business and marketplace strategies. Through Aveus, Mahai has worked with over 100 organizations from large global enterprises to family-owned businesses and startups, non-profits and other service organizations. She has served on the board of several businesses and non-profit organizations, and is an active investor in women-owned and led businesses.
During her corporate career, Mahai held several executive roles at Cowles Media/Star Tribune. She also spent nearly fifteen years in the financial services industry, including several executive positions at First Bank (now US Bank).
Does MBA make sense for me?
Added on : Sunday November 03rd 2013 12:00:03 AM
g: 1 Posted By: underleveraged
Views: 11 Replies: 0 I'm age 28/29 so I'm starting to reach the point of no return. Either I go now or I'll be too old to go full-time from admission point of view. I can possibly do a 3 year dragged out part-time program while working but I'm not living near a good MBA school within commutable distance at the moment.

I graduated from a regular state university (no brand value) and I want to continue working in the financial services industry. I was able to pay off all debt (including student loans) and that was an amazing feeling. I have no outgoing payments toward any debt. What worries me about going for an MBA is the $100K debt from the top programs.

If I didn't go for my MBA, I think I could live a comfortable life just making normal salary. Probably would be able to afford a house purchase as well with a decent salary. If I went for my MBA, I would try to make a transition into a finance career in Asia as that's something I've been interested in doing lately. I believe there are tremendous opportunities there for someone like me who is bilingual, educated in the US, have good work experience, etc. It wouldn't make sense to go overseas with just my state university degree as the employment sectors in Asia care about your educational pedigree.

In summary, I have two choices:
1. Stay in the US working, save the money, and possibly do a PT later in my life as I work. I probably would never go overseas at that point.
2. Go for the MBA at a good school and pursue an international career.

Do you think the MBA debt from a FT program will be worth the long-term career benefits for someone in my situation?


Investing Deals
FREE Kindle Book - The Dark Side of Innovation was $9.99
Added on : Friday November 01st 2013 04:00:16 AM
g: 1 Posted By: archena
Views: 87 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

The Dark Side of Innovation [Kindle Edition] was $9.99

Ankush Chopra (Author)

http://www.amazon.com/dp/B00DCCK0JE

Publication Date: June 10, 2013

Publisher: Brigantine Media

10 Reviews ★★★★★

Innovation is usually considered the engine of business success. But innovation can have a dark side. The once-powerful Kodak toppled despite its massive response to the threat of a new innovationdigital photography. Even with patents, major investments, and a 20-year lead time, Kodak eventually succumbed to the value-destroying innovation that upended the photography industry.

In "The Dark Side of Innovation," author Ankush Chopra presents stories of success and failure at dozens of businesses that faced innovations impacting their profitability. He outlines methods for businesses to predict industry change and protect businesses against profit-destroying innovations. Armed with Chopras techniques, companies can be ready for the dark side of innovation.

About the Author
Dr. Ankush Chopra is an innovation and business transformation expert with over eighteen years of experience in leading and enabling innovations. Early in his career he led business and organizational transformations in companies such as Citibank and Procter & Gamble. For the last ten years, his focus has been on enabling transformations through research, training, and speaking. He has been a professor of management and strategy at Babson College for the last five years. Chopra has a Ph.D. in Strategy from Duke University and an MBA from Indian Institute of Management, Bangalore. He has lived and worked in India, Japan, Philippines, Singapore, Switzerland, and the United States. Chopra trains, gives talks, and advises in the areas of innovation, strategy, and change across the world. He works with all levels of management in small and large groups.
Books & Magazines Deals
g: 0 Posted By: archena
Views: 69 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Hike Your Own Hike: 7 Life Lessons from Backpacking Across America (WanderLearn Series) [Kindle Edition] was $9.99

Francis Tapon (Author)

http://www.amazon.com/dp/B002MH4K00

Publication Date: August 27, 2012

Publisher: WanderLearn Press

50 Reviews ★★★★

#1 in Kindle Store > Kindle eBooks > Nonfiction > Travel > United States > Regions

#2 in Kindle Store > Kindle eBooks > Nonfiction > Self-Help

Francis Tapon sought wisdom when he quit his Silicon Valley job, donated most of his belongings, and set off to hike the Appalachian Trail. He and his hiking partner, Lisa Garrett, traversed the 2,168 mile footpath by walking for nearly four months from sunrise to sunset. The pilgrimage gave him insights that not only apply to backpacking, but to life itself. It also taught him that there sure are easier ways to go from Maine to Georgia.

While you enjoy the intense journey, youll learn: Why the Appalachian Trails credo is relevant to your life.

- How to control your finances.
- How to discover and pursue your passion.
- How to avoid costly mistakes and conquer your fears.
- How to dramatically improve your health.
- Why the Appalachian Trail teaches you more about human nature than Mother Nature.
- How to shrug off misfortune and live stress free.
- Why mosquitoes just want to be your friend.

Packed with a map, photographs, sidebars, and self assessment quizzes!

Francis Tapon knew he had a good lifehe had a great career, fantastic friends, a nice home, and a cool electric shaver. However, something was missing. His life was good, but not great. It was quite predictable and safe, but thoroughly uninspiring. He wondered how to take his life to the next level.

He thought it would be smart to do what the sages do: hang out in the woods for several months and get some wisdom. Although he ultimately found wisdom, finding it wasnt as easy or as romantic as all those spiritual books say it is. They neglect to mention that during the hot humid summer months theres no air conditioning in the woods.

Hike Your Own Hike balances the story of an adventurous and insightful trip across the Appalachian Mountains with practical advice on how to squeeze the most out of life both on and off the trail. Its enlightening, educational, and entertaining. Its a
serious book that doesnt take itself so seriously.

Hiking the entire Appalachian Trail in one season has soared in popularity over the last 20 years. Compared to 1986, there are eight times more people trying to thru-hike it! What accounts for this phenomenon?

Today people are overly stressed and need a break to return to the fundamentals. Feeling disconnected from the rhythms of life, hikers go on multi-month trails to recalibrate their perspective and to remind themselves of what really matters.

Hike Your Own Hike is about an incredible pilgrimage, what we can learn from it, and how to enrich our lives without getting too muddy.

Francis is donating 50% of his book royalty to the Appalachian Trail, the Pacific Crest Trail, and the Continental Divide Trail. So even if you dont think youll like this book, buy it anyway so you can support those trails.

This is definitely not your ordinary Appalachian Trail thru-hike memoir.
Brian T. Fitzgerald, Chair, Appalachian Trail Conservancy

Francis Tapons book is a marvelous addition to the very best outdoor and personal development books available. Against the backdrop of a rich and unique journey along the Appalachian Trail, Hike Your Own Hike offers the reader a wealth of
practical how-tos blended masterfully with the wisdom of the ages. This isnt another boring hiking guidebook, its a wonderful
guidebook for life. Kim and Demetri Coupounas, Co-Founders, GoLite

Dont expect a dull trail log. Dont expect a humdrum self-help book. Instead, expect to laugh and learn as Hike Your Own Hike weaves practical wisdom with an epic journey as the backdrop.Dave Roberson, President and Chief Operating Officer of Hitachi Data Systems

Its hard to imagine a book that combines the strengths of Bill Brysons "Walk in the Woods" and Stephen Coveys "7 Habits of Highly Effective People," but "Hike Your Own Hike" has done it! Marco Iansiti, Harvard Business School Professor.
Totally Free Deals
g: 4 Posted By: archena
Views: 1099 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

SEPARATE LIVES: THE STORY OF MARY RIPPON [Kindle Edition] was $9.99

Silvia Pettem (Author), Elaine Long (Editor)

http://www.amazon.com/dp/B0091YHC7K

Publication Date: March 1, 1999

Publisher: The Book Lode, LLC

15 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > History > Americas > United States > 19th Century

As a pioneer woman educator at the University of Colorado, in Boulder, Mary Rippon received wide acclaim for her teaching, but, in order to keep her job, she hid her husband and child behind a Victorian curtain of secrecy. Now, for the first time, "Separate Lives: The Story of Mary Rippon" reveals the conflicts between this extraordinary woman's public and private lives.


The following true story follows Mary from the small midwestern farm where she was born to the great centers of culture in Europe. In January of 1878, after years of education in Germany, France, and Switzerland, the soft-spoken twenty-seven-year-old woman was welcomed at the newly opened University of Colorado in the small frontier town of Boulder. The growth of her lengthy career paralleled the growth of the university where she worked her way up from the first female faculty member to the university's first female professor, eventually chairing the department of German language and literature.

Modest and unassuming, "Miss Rippon" taught in the male-dominated world of nineteenth century academia where she shielded her womanly emotions from the public eye. She was a professional woman and a mother in an era when these two roles could not be combined.
Hidden romance and familial responsibilities spanned two continents, and in an age of meager salaries and lengthy sea voyages, she managed to travel to Europe and back eight times. This biography does not tarnish "Miss Rippon's" well-deserved reputation but uncovers the human side of a woman whose circumstances clashed with the mores of her times.

About the Author
Silvia Pettem (www.silviapettem.com) is a longtime historical researcher, newspaper columnist, and author of more than a dozen books. After decades of work for individuals, businesses, and governments, her life took a new turn in 1996, when she stumbled upon the gravestone of a Jane Doe--a murder victim from 1954. A few years later, Pettem applied her research skills to both old-fashioned detective work and the power of the internet by entering into a partnership with her local sheriff and with forensic experts of the Vidocq Society to successfully determine the young woman's identity. Pettem chronicled their work in Someone's Daughter: In Search of Justice for Jane Doe.
Books & Magazines Deals
g: 2 Posted By: remick
Views: 396 Replies: 0 http://www.amazon.com/dp/B00BHEY5E0



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g: 0 Posted By: remick
Views: 38 Replies: 0 http://www.amazon.com/dp/B00BHEY5E0

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Pitch yourself brilliantly, even if you only have a minute
Weave Crucial soft skills expertise into your career communications
Prove youre the person theyre looking for
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FREE Kindle Book - SEPARATE LIVES: THE STORY OF MARY RIPPON was $9.99
Added on : Sunday October 27th 2013 05:00:09 PM
g: 0 Posted By: archena
Views: 66 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

SEPARATE LIVES: THE STORY OF MARY RIPPON [Kindle Edition] was $9.99

Silvia Pettem (Author), Elaine Long (Editor)

http://www.amazon.com/dp/B0091YHC

Publication Date: March 1, 1999

Publisher: The Book Lode, LLC

15 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > History > Americas > United States > 19th Century

As a pioneer woman educator at the University of Colorado, in Boulder, Mary Rippon received wide acclaim for her teaching, but, in order to keep her job, she hid her husband and child behind a Victorian curtain of secrecy. Now, for the first time, "Separate Lives: The Story of Mary Rippon" reveals the conflicts between this extraordinary woman's public and private lives.


The following true story follows Mary from the small midwestern farm where she was born to the great centers of culture in Europe. In January of 1878, after years of education in Germany, France, and Switzerland, the soft-spoken twenty-seven-year-old woman was welcomed at the newly opened University of Colorado in the small frontier town of Boulder. The growth of her lengthy career paralleled the growth of the university where she worked her way up from the first female faculty member to the university's first female professor, eventually chairing the department of German language and literature.

Modest and unassuming, "Miss Rippon" taught in the male-dominated world of nineteenth century academia where she shielded her womanly emotions from the public eye. She was a professional woman and a mother in an era when these two roles could not be combined.
Hidden romance and familial responsibilities spanned two continents, and in an age of meager salaries and lengthy sea voyages, she managed to travel to Europe and back eight times. This biography does not tarnish "Miss Rippon's" well-deserved reputation but uncovers the human side of a woman whose circumstances clashed with the mores of her times.

About the Author
Silvia Pettem (www.silviapettem.com) is a longtime historical researcher, newspaper columnist, and author of more than a dozen books. After decades of work for individuals, businesses, and governments, her life took a new turn in 1996, when she stumbled upon the gravestone of a Jane Doe--a murder victim from 1954. A few years later, Pettem applied her research skills to both old-fashioned detective work and the power of the internet by entering into a partnership with her local sheriff and with forensic experts of the Vidocq Society to successfully determine the young woman's identity. Pettem chronicled their work in Someone's Daughter: In Search of Justice for Jane Doe.
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FREE Kindle Book - History's Greatest Generals was $6.59
Added on : Friday October 25th 2013 02:00:12 PM
g: 0 Posted By: archena
Views: 31 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

History's Greatest Generals: 10 Commanders Who Conquered Empires, Revolutionized Warfare, and Changed History Forever [Kindle Edition] was $6.59

Michael Rank (Author)

http://www.amazon.com/dp/B00FYRKZRM

Publication Date: October 16, 2013

Publisher: Five Minute Books

3 Reviews ★★★★★

#1 inKindle Store > Kindle eBooks > Biographies & Memoirs > Leaders & Notable People > Military

#1 inKindle Store > Kindle eBooks > History > Military > Strategy

#1 inKindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Military & Spies




From the #1 bestselling author of The Crusades and the Soldiers of the Cross comes an exciting new book on the greatest minds of military leadership in history.

Whether it is Hannibal of Carthage marching elephants across the Alps and attacking the heart of Rome, Khalid ibn al-Walid boasting an undefeated military career and destroying the Persian Empire while subduing the Byzantines, or Russian General Alexander Suvurov and his elevation of the bayonet to a work of art that could cut down any European army, great military leaders have exerted tremendous influence on society.

This book will look at the lives of the ten greatest military commanders in history. Some conquered the fullest expanse of the known world, as did Alexander the Great. Still others were master statesmen and capable of translating military victory into long-term political gains, such as Julius Caesar, whose vanquishing of the Gauls and his political opponents laid the groundwork for several centuries of unmatchable Roman imperial might.

It will also look at the tactics they used to bring down stronger armies and befuddle them at every turn; whether it is Napoleon, who nearly conquered Europe through his deadly manoeuvre sur les derrieres and marching unexpectedly away from the enemy's main strength and concentrating on a weak but vital enemy point; or Hannibal's double entrapment maneuver, which has been the envy of military strategists for the last 2,000 years.

Whatever their background, these rulers show that the right military commander at the right time in history can destroy an empire, change civilization, and alter the course of world history forever.


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Any advice for getting healthcare if you can't afford it?
Added on : Thursday October 24th 2013 04:00:07 PM
g: 0 Posted By: mxmaniac
Views: 161 Replies: 4 I'm in a tough spot right now, in need of healthcare and treatment for some medical problems. I make too little to afford care, yet too much to qualify for any help. I know I'm not the only person like this, there are tons of people who live paycheck to paycheck.

Heres a brief summary of my situation. I was a successful and healthy construction worker, things were looking good. All of a sudden I'm hit with multiple health problems, thought they were minor but didn't realize how bad they were till it was too late. I could no longer work my regular job due to the health issues, and I found a lighter duty construction job which only paid half what I was making (with opportunity for increase). Just barely enough to squeak by and live paycheck to paycheck. I got minimal treatment but couldn't continue because the copays/patient responsibility was thousands of dollars, which I couldn't afford living paycheck to paycheck. My conditions got worse, and I lost my job and now can't work construction at all because my body in its current state can't take it, and I'm having tons of trouble finding any decent job/career I can live off of, with no college and a construction background. Right now my unemployment so small, that it is roughly the same as my mortgage. I'm selling things and using minimal savings just to pay the day to day food/utilities, I'll be out of things to sell very shortly. Yet the minimal unemployment which does not even pay the bills, is above the poverty level, and overall considered too high of income for any sort of low income medical help, or any sliding scale places. The obamacare is a joke, $300 a month for a plan with a $8000 deductable, how is a paycheck to paycheck person supposed to afford that? I am not willing to default on my mortgage or loose my home, it is the most important thing I have, and is the only sort of retirement savings I have. I really just need to get the proper medical treatment so that I can go back to work my former construction job, but with the ridiculous costs of healthcare, often thousands for simple little things, I don't have the money for it. I just can't believe, all my life I've been working hard, and paying money so that those too lazy to work can have their healthcare paid for, but the time I reach a rough patch I seem to be screwed.

Anyways, does anyone have advice or ideas to help? Even if they are somewhat radical like maybe going up to canada or another country long enough to get treatment (don't know if you can even do this).





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FREE Kindle Book - Born to Win: Find Your Success Code was $9.99
Added on : Thursday October 24th 2013 06:00:14 AM
g: 0 Posted By: archena
Views: 34 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Born to Win: Find Your Success Code [Kindle Edition] was $9.99

Zig Ziglar (Author)

http://www.amazon.com/dp/B006ZG5THW

Publication Date: January 18, 2012

Publisher: AudioInk

33 Reviews ★★★★.5

#2 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Motivational

Zig Ziglars Born to Win: Find Your Success Code, compresses four decades of life-changing tools and practices into one inspiring, easy-to-use format for people who want to grow and improve the whole spectrum of their lives now!

Zig has always taught that You were born to win, but to be the winner you were born to be you must plan to win and prepare to win. Then and only then can you legitimately expect to win. Born to Win guides readers through this plan-prepare-expect strategy. You will learn that when you have the hope that things can change, and a plan to make that change possible, you can take action.

In this interactive eBook, at a click of an icon you can instantly hear guest celebrity stories from Dave Ramsey, Seth Godin and many more. Youll be amazed at who attributes their success to Zigs teachings!

Zig Ziglars whole-person, balanced-living approach to life has inspired millions to enjoy good health, a new depth of love and gratitude for family and friends, financial security and independence, and spiritual peace of mind. His instruction on how to live a life that leaves no room for regret or worry is the starting point for a joyful, exciting, vibrant life. It is true that when you have prepared yourself to be the right kind of person, you can do what you need to do to expect success. When you truly understand that you were born to win, you can change the world!

"Its going to be the most fun and exciting trip youll ever take. Its filled with more promise of reward than King Solomons mines. In short, this journey to the top, which you are going to be taking, is a tremendously exciting trip." Zig Ziglar

About the Author

Author Bio:

ZIG ZIGLAR, world-renowned author and speaker, has an appeal that transcends barriers of age, culture, and occupation. Since 1970 he has traveled over five million miles across the world delivering powerful life-improvement messages, cultivating the energy of change. Mr. Ziglar has written twenty-nine celebrated books on personal growth, leadership, sales, faith, family, and success, ten of which have been on the bestseller lists. His books and tapes have been translated into over thirty-eight languages and dialects.

TOM ZIGLAR, CEO of Ziglar, Inc., not only shares a last name with his father, Zig Ziglar, he also carries on his philosophy: ''You can have everything in life you want if you will just help enough other people get what they want.'' Prior to being named CEO, Tom began his career in retail and direct sales. He joined the Zig Ziglar Corporation in 1987, learning every aspect of the business as he climbed from working in the warehouse to sales, seminar promotion, sales management, and then on to leadership. He is boldly taking Ziglar, Inc., into the world of social communities, Twitter, blogs, and live video webcasts to present the tried-and-true message of hope, integrity, and positive thinking to a whole new audience.

Reader Bio:

ANDY ANDREWS, hailed by the New York Times as a ''modern-day Will Rogers who has quietly become one of the most influential people in America,'' is an internationally known speaker and novelist whose combined works have sold millions of copies worldwide. He has been received at the White House and has spoken at the request of four different presidents. His second PBS special, Andy Andrews: The Traveler's Gift, has aired nationally to rave reviews.
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g: 3 Posted By: archena
Views: 431 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

MICHAEL WITTMANN AND THE WAFFEN SS TIGER COMMANDERS OF THE LEIBSTANDARTE IN WWII, Vol. 1 (Stackpole Military History) [Kindle Edition] was $19.95

Patrick Agte (Author)

http://www.amazon.com/dp/B004L62FCU

Publication Date: September 1, 2006

Publisher: Stackpole Books

10 Reviews ★★★.5

#1 in Kindle Store > Kindle eBooks > History > Europe > Germany

● The story of one of the most successful and decorated tank commanders of all time
● Contains maps, official documents, newspaper clippings, and orders of battle

German Panzer ace Michael Wittmann was by far the most famous tank commander on any side in World War II, destroying 138 enemy tanks and 132 anti-tank guns with his Tiger. This classic of armored warfare is both combat biography and unit history, as Patrick Agte focuses on the life and career of Wittmann but also includes his fellow Tiger commanders in the 1st SS Panzer Division Leibstandarte SS Adolf Hitler. Volume One covers the Eastern Front, where Wittmann racked up more than 100 kills and participated in the Battle of Kursk in 1943.
g: 3 Posted By: remick
Views: 303 Replies: 0 http://www.amazon.com/dp/B00A4GGPJK

Use DISC to discover profound hidden patterns of human behavioral style, gain deeper self-awareness, maximize your personal strengths, and influence others more powerfully than ever before! Taking Flight illuminates the proven DISC four-style model of human behavior, and shows how to use it to become a far more effective leader, salesperson, or teacher; revitalize your career; build deeper personal relationships; fully leverage your natural gifts, and empower everyone around you. Drawing on their immense experience coaching executives and training world-class organizations, Merrick Rosenberg and Daniel Silvert introduce DISC through a fable that's quick, fun, and easy-to-understand. You'll discover why you "click" with some people and "clank" with others, and what really drives your decisions and actions. You'll learn exactly how to identify others' behavioral styles and choose the best ways to interact with them. You'll walk through creating a personal action plan for improvement -- and then systematically making the most of your strengths, working around your weaknesses, and supercharging your personal performance! If you're already familiar with DISC, this book will help you use it more effectively than ever before. If you're new to DISC, it will change your life -- just as it has for thousands before you!
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g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/dp/B00A4GGPJK
College: Is there a reason to NOT get a computer science degree?
Added on : Sunday October 20th 2013 10:00:07 AM
g: 0 Posted By: JacksonX
Views: 126 Replies: 6 I'm considering the changing role in college, and what to counsel my own children;

It seems that just about every single job out there either requires or would appreciate advanced computer skills, pretty much regardless of the field.
It also seems like Computer Science/Computer Engineering is one of the most difficult and strenuous majors out there.
I was a chemistry major at an engineering school in the 1990's, and took some CS courses to "test the waters", and they were by far another level of difficulty.

My question is; is there a reason NOT to major in CS/CE (other than rigor)? Unless someone wants a specific career in, say, chemical engineering, it seems like all fields might respect this course of study.

For instance, someone who wants to go into finance; I'd imagine many companies would think someone with a CS (or maybe math?) degree have the ability to think and mine data appropriately, possibly more than someone with an economics degree.

Plenty of people get liberal arts degrees and end up going into some sort of field which utilizes computers, such as IT; why not just cut out the middle-man?

If you KNOW that you want to be a medieval historian at Harvard, that's a good reason to get a degree in such a subject; otherwise, should we be guiding pretty much everyone who insists on going to college to get a degree in CS/CE?
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Career going very well, yet the money is not there. Advice?
Added on : Saturday October 19th 2013 08:00:09 AM
g: -1 Posted By: dynorodzilla
Views: 262 Replies: 8 I graduated HS in 2005. From 2007-2011 I was making around $16 an hour while going to school. Graduated from a well known state college in December 2010 with a bachelors in business

After graduating, I took a trainee role working at a scrap metal recycling company for $21 hourly, with no benefits until the trainee period ended. It was kind of a mismanaged company and I did not see much potential there. After 8 months I decided to start looking for a new job. I anticipated a difficult job search, but got the first job I interviewed for and was hired on to an entry level job at a salary of $38,000 with good benefits. I started in November 2011. I have had 2 reviews/raises since then. First one raised me $1000 to $39,000. I was recently reviewed again and received a promotion for which I got an 8% raise. Which really is only a 4 or 5% raise because everyone gets a standard 3 or 4% raise every year. So now I am in this position which should be paying in the $50,000's, yet I am making $42,000 a year.

Everyone at my company seems to like me. I get great reviews every year and meet every challenge I am given. The company has a good reputation and I am working in the company s main building, which has 500+ people working in it.I like everything about my job and employment situation, except my paycheck. I am not some young kid anymore and I am gonna have to support a family. I need to make more money. Considering I was recently promoted, how long do I have to put in before leaving for a competitor, if that is my best option?

Does anyone have any suggestions for me? Thanks






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g: 0 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/Reluctant-Prophet-Novel-ebook/dp/B006T4Z3H6/

4.8 out of 5 stars with 81 reviews

At age forty-two, Allison Chamberlain is still making a half-hearted attempt to figure out what she wants to be when she grows up. Although she has been a pew-sitting member of a church for seven years, prophet has never been on the short list of possible careers.
Then one Sunday Allison senses a divine nudge to buy a Harley motorcycle and go wherever it takes her. Soon she is wondering if she is called to present the reality of Christ to one of societys darkest cornersand challenge her own church to look beyond their fears.
The first in a brave trilogy from seasoned author Nancy Rue, The Reluctant Prophet shows how one persons response to Gods call can change a community forever.
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Free - Database Pro [Kindle Edition] was $19.95
Added on : Wednesday October 16th 2013 03:00:05 AM
g: 2 Posted By: remick
Views: 362 Replies: 0 http://www.amazon.com/Database-Pro-Kalman-Toth-ebook/dp/B00BDS2FFQ

Learn SQL Server 2012 professional database design fast. Practical relational database design teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts, IT managers and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some database design, and who wish to refresh & expand their RDBMS design technology horizons. Familiarity with at least one computer programming language such as Visual Basic, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 400 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. The best way to master relational database design & T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries, "CREATE TABLEs" must "pour" out from your fingers into the keyboard. Why is knowing SQL queries by heart so important? After all everything can be found on the web so why not just copy & paste? Well not exactly. If you want to be an database designer expert, it has to be in your head not on the web. Second, when your supervisor is looking over your shoulder, "Chuck, can you create a new table for our electric pumps inventory?", you have to be able to type the CREATE TABLE query without documentation or SQL forum search and explain how it will work to your superior promptly. The book was designed to be readable in any environment, even on the beach laptop around or no laptop in sight at all. All queries are followed by results row count and /or full/partial results listing in tabular (grid) format. Screenshots are used when dealing with GUI tools such as SQL Server Management Studio. Mastery of the relational database design book likely to be sufficient for career advancement as a database designer and database developer.
Database design principles did not change much since the inception of RDBS technology in the 1970-s. Yet there are many IT installations with faulty database design which is very costly to the company. Good database design increases reliability, decreases development time and maintenance cost.
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g: 2 Posted By: archena
Views: 197 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Are You a Stock or a Bond?: Identify Your Own Human Capital for a Secure Financial Future, Updated and Revised [Kindle Edition] was $29.99

Moshe A. Milevsky Ph.D. (Author)

http://www.amazon.com/dp/B009EC7K0S

Publication Date: September 21, 2012

Publisher: FT Press

20 Reviews ★★★★

#17 in Kindle Store > Kindle eBooks > Nonfiction > Professional & Technical > Accounting & Finance > Finance

#17 in Kindle Store > Kindle eBooks > Business & Investing > Finance > Finance & Investing


You must be aware of the value, potential return and risk of your own human capital (your job, career and what you do for a living as opposed to stocks and bonds or other investment choices) as well as financial capital and investments to plan a secure future. Human capital is the most valuable asset that you will own over your lifecycle. You need to balance all financial decisions with the characteristics of your human capital. The key trends identified in the first edition of the book namely, the decline of Defined Benefit (DB) pension provision, the continued increase in human longevity and the risk of personal inflation, are as relevant today as they were five years ago. The financial crisis has taught us that all types of capital human, financial and even social are key to a secure financial future. If your career has "stock-like" growth and risk characteristics, Milevsky helps you balance your "portfolio" by tilting investments towards safer "bonds." If your job is more secure but offers lower financial upside, you'll learn to tilt your investments towards stocks that compensate for your lower earning potential. Either way, Milevsky shows you how to integrate investments, insurance, annuities, and retirement plans to generate the safe and reliable income you'll need.

This Edition's updates include:

● New 2012 data, charts, figures, and references
● More coverage of incorporating "human capital" into financial planning
● Advice reflecting the aftermath of the financial crisis
● Easier, more usable techniques, and less math!

About the Author
Moshe A. Milevsky, Ph.D., is a professor at the Schulich School of Business and a member of the graduate faculty of the Department of Mathematics and Statistics at York University in Toronto (Canada). He has lectured at the Wharton School of Business at the University of Pennsylvania, the London School of Economics (UK), University of New South Whales (Australia), ORT University in Montevideo (Uruguay), University of Cyprus, University of Leuven (Belgium), and Goethe University (Germany).

He is a 2002 Fellow of the Fields Institute for Research in Mathematical Sciences. In 2003 he received two National Magazine (Canada) awards for his popular writing on personal finance. In 2006 he received a Graham and Dodd scroll award from the CFA Institute for an article in the Financial Analysts Journal . In 2008, he was honored with a lifetime achievement award from the Retirement Income Industry Association, and in 2009 he was selected as an MDRT Main Platform speaker.

Prof. Milevsky has published ten books, more than 60 peer reviewed research papers, and more than 200 popular magazine and newspaper articles. He currently lives in Toronto, but grew up in Baltimore, New York, Mexico City, and Jerusalem. He is married with four daughters. Follow him on Twitter at http://twitter.com/RetirementQuant.
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Some Free Kindle Books - updated 10/13
Added on : Sunday October 13th 2013 05:00:08 AM
g: 7 Posted By: remick
Views: 1246 Replies: 3 Free Kindle Books at the time of posting. I may be adding to these later in the day


John Brown Illustrated [Kindle Edition
http://www.amazon.com/John-Brown-Illustrated-ebook/dp/B00FAQFF4K

John Brown was a driven man on a mission to abolish slavery. On October 16, 1859, he commanded twenty-one volunteer soldiers of black and white skin color on a raid of the United States Armory and Arsenal at Harpers Ferry.

Yellow Green Beret Volume III: Stories of an Asian-American Stumbling Around U.S. Army Special Forces (Yellow Green Beret : Stories of an Asian-American Stumbling Around U.S. Army Special Forces) [Kindle Edition
]http://www.amazon.com/dp/B009BA1UJK

As the final tome in the three-part series depicting the off-color and unusual stories that highlighted Chester Wongs uncharacteristic career as a detachment commander in the U.S. Army Special Forces, Yellow Green Beret: Volume III is a considerably more serious account almost devoid of the trademark goofy and comical stories that were speckled amongst the first two books. In many ways, Yellow Green Beret: Volume III is a true and honest revelation regarding the darkest sides of Chester Wongs path and experiences as an unsure West Point cadet on his way becoming a leader in one of wartime Americas most elite and cutting edge counterterrorist forces. Truly the final pillar in the house called Wong, Yellow Green Beret: Volume III leaves no stone unturned in piecing together the coming-of-age journey of an unusual Asian-American young man.


In the Beginning Was the Logos [Kindle Edition]
http://www.amazon.com/dp/B00BQ3HKEE

Who is the Logos? Men brawled in bars and beat each other to death in the streets over this question, a controversy which came to a head at the Council of Nicea. There a fringe group of peace-loving, communal worshipers of a crucified Palestinian prophet took over the Roman empire and begin an odyssey that would transform the world as we know it.
In this information age, rumors fly about the Council of Nicea. From fictions spread by noted university professors to the _Da Vinci Code_, and even to the Glenn Beck show, everyone counts himself an expert on the most significant transformation of Christianity in history.
Paul Pavao, webmaster of Christian History for Everyman, not only tells you the story of the most world-changing century of Christianity since the apostles, He puts the original sources in your hand, letting you read the words of the participants in the council and in the battles that preceded and followed the council itself. You'll never wonder again what really happened at the Council of Nicea.
Was the Emperor Constantine a Christian or a worshiper of Apollo, out to mold Christianity into pagan hybrid?
Was the Trinity invented at Nicea?
Were the books of the Bible decided upon at the Council of Nicea?
You'll not only know the answers to all these questions, you will relive the events of it in the words of the early Christians. No other century has influenced Christianity, and possible the whole western world, like the fourth. You will understand why. You will understand the issues, and maybe, just maybe, you will even begin to care about them.


The Kings of Mauretania (The Forgotten Civilisations of Africa) [Kindle Edition]
http://www.amazon.com/Mauretania-Forgotten-Civilisations-Africa-ebook/dp/B007Q2GW4S

The Kingdom of Numidia was the most powerful autochthonous civilisation in North Africa until Rome set foot on the African soil. Numidia became even too powerful for its own good and Rome (that just got rid of its rival Carthage) did not intend to let a new rival develop in its vicinity.
Rome fought many times against the Numidian kings and at some stage they managed to occupy completely their lands.
After that Numidia disappeared completely from the maps but the neighbouring kingdom of Mauretania survived and grew in power and in importance. Mauretania and Rome co-existed in peace for a while but at some stage, the Romans, decided to expand further in Africa and moved towards Mauretania.
This book will deal with this other great civilisation (too little known too) that existed more than 2000 years ago.


Heroes of the Light Brigade [Kindle Edition]
http://www.amazon.com/Heroes-Light-Brigade-ebook/dp/B0096ORTVO

With information drawn from eyewitness accounts and official documentation such as soldiers' service papers and census returns, this extensively researched publication provides biographical tributes to 30 soldiers who rode in The Charge of the Light Brigade, giving a valuable insight into the kind of men who took part


Local Heroes: Boer War VCs [Kindle Edition]
http://www.amazon.com/Local-Heroes-Boer-War-ebook/dp/B0096U46ZA

With information drawn from official documents this extensively researched book provides biographical tributes and accounts of the deeds of a selection of men who were awarded the Victoria Cross for action during the Boer War of 1899-1902. With a summary of the conflict, a chronological roll of all 78 Boer War VCs and a useful bibliography for further reading.


Gallantry Awards at Rorke's Drift [Kindle Edition]
http://www.amazon.com/Gallantry-Awards-Rorkes-Drift-ebook/dp/B00FA61RGA

Extensively researched over four decades, this publication provides biographical tributes and accounts of the deeds of the sixteen men who were awarded gallantry medals during the defence of Rorke's Drift; the battle made famous in the motion picture 'ZULU!' With a useful bibliography for further reading.



Cake Making Made Easy - Instructions and 60 Cakes [Kindle Edition]
http://www.amazon.com/Cake-Making-Made-Easy-ebook/dp/B009NNL1UI

This book was written primarily for the cake maker who has always relied on a cake mix for special occasions rather than dive into the adventure of making a cake from scratch


The Craft Beer Kitchen [Kindle Edition]
http://www.amazon.com/The-Craft-Beer-Kitchen-ebook/dp/B00EZV3HX2

Cooper Brunk is an accomplished, classically trained chef with a passion for craft beer. In this book he combines subtle flavors from malts and hops to create balanced dishes that will certainly impress family and friends. No beer brats, chili, or sloppy Joes here! These dishes are made for the table not the tailgate. So pop the top on one of your favorites and start cooking. We all know that if it's good enough to drink, it's good enough to cook with!


Candy Making Made Easy - Instructions and 17 Starter Recipes [Kindle Edition]
http://www.amazon.com/dp/B008YKG4Y4


Sauce Recipes - 50 Tasty Choices (Mama's Legacy Series) [Kindle Edition]
http://www.amazon.com/dp/B008MEI3LO



The Handy Little Guide to Farting [Kindle Edition]
http://www.amazon.com/Handy-Little-Guide-Farting-ebook/dp/B00EXBWNS4

#1 in Kindle Store > Kindle eBooks > Education & Reference > Studying & Workbooks
#2 in Kindle Store > Kindle eBooks > Education & Reference > Test Preparation


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FREE Kindle Book - Confident Parenting was $14.99
Added on : Thursday October 10th 2013 03:00:03 AM
g: 0 Posted By: archena
Views: 82 Replies: 0 Only guaranteed to be FREE 10.10.2013 as per
http://www.bakerpublishinggroup.com/bethanyhouse/ebook-specials-from-bethany-house


Confident Parenting [Kindle Edition] was $14.99

Jim Burns (Author)

http://www.amazon.com/dp/B005GOWRN8

Publisher: Bethany House Publishers

Publication Date: March 1, 2007

14 Reviews ★★★★★

Be the Parent Your Family Needs

If we are truly honest, most of us don't really know what we're doing as parents. We have good intentions, but daily frustrations and ongoing struggles might be evidence that we were better prepared to drive a car or pursue our career than raise children.

To counter the usual trial-and-error method of parenting, Jim Burns offers time-tested advice and strategies for today's busy families. Infused with his signature candidness and practicality, each chapter explores a different aspect of parenting--from breaking generational chains of dysfunction and creating a warm atmosphere at home to handling discipline issues and blessing your children with a legacy of faith. Helpful follow-up exercises and questions along the way reinforce the basics of good parenting and provide a foundation for developing your own family plan.

You won't find any quick fixes here, but you will learn how to make a positive difference in your family.
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Georgia Tech Online MS CS Degree (Applications Now Open)
Added on : Monday October 07th 2013 10:00:06 AM
g: 3 Posted By: aznshadoboy77
Views: 137 Replies: 2 Continuation ofthis thread (archived). Again, not quite finance, but might be of interest to members here.

Applications for this program have opened:Program Page(click the "Click here to begin your application" link).

TL;DR:
Online MS in CS from Georgia Tech (The fact that it's online may or may not be a deterrent for some, depending on your background and career goals)
Program is 36 credit hours (roughly 3/course, recommended 2 courses at a time maximum)
Tuition: $134 per credit hour (most OMS CS courses will be 3 credit hours)
Fees: $301 per academic term of enrollment ($194 institutional fee + $107 technology fee). Fees are assessed only for those terms in which students are enrolled in courses.
$50 application fee
Rolling admission, application (for Spring 2014) open from now through October 27th
Application requires: three recommendations, transcripts (3.0+ GPA in related BS), background essay, statement of purpose, resume

Again, I realize this is not quite FWF related, but it might still be of interest.

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g: 2 Posted By: remick
Views: 231 Replies: 0 http://www.amazon.com/dp/B004DNWSN2

Once, there was a remarkable person who led with love. Her company succeeded where its competitors struggled. Its customers were loyal, its employees loved to work there, and it was profitable year after year, for decades. This loving leader began her career as an executive secretary, yet the company's founder chose her to succeed him as president. When asked why, he said, "Because she knows how to love people to success." She is Colleen Barrett, President Emeritus of Southwest Airlines.Lead with LUVis an extraordinary, wide-ranging conversation between Barrett and the legendary Ken Blanchard, author ofThe One Minute Manager. Drawing on personal experience, Barrett and Blanchard reveal why leading with love is the most powerful way to lead and how it can help you achieve truly amazing levels of performance. Discover:

What "love" really means in the organizational context.
Why leading with love is not "soft" management!
How to use redirection and tough love to handle inappropriate behavior or performance.
Why "servant leadership" is love in action, and how to make it work.
How to build the compelling vision and culture that sustains leadership with love.

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g: 2 Posted By: remick
Views: 297 Replies: 0 http://www.amazon.com/dp/B0082LJ01O

Four great books show you how to find purpose, fulfillment, and greatness at work--no matter where you work or how fast your workplace is changing! Imagine the leaders of one of New Yorks top real-estate firms coming together every Monday morning to hearthe moral and spiritual thoughts of a Rabbi. Wouldnt you like to hear the paths Alan Lurie traced for his listeners, how he helped them bring together their spiritual and business lives, the sacred and the profane? Five Minutes on Mondays compiles these talks for the first time, sharing Luries deep and profound inspiration on the challenges we all face--at work and in life. Lurie draws on millennia of philosophy, theology, and science to help us answer our deepest questions, comfort our deepest yearnings, and become better people: more connected to each other and to the Greater Purpose. Next, in Touchdown! Achieving Your Greatness on the Playing Field of Business (and Life), Dr. Kevin Elko shows how to build your success one brick at a timeso when it happens, it happens huge. Americas #1 performance consultant, Elko shares all hes learned working with legendary athletes such as Emmitt Smith, championship coaches like Nick Saban, and thousands of the worlds top businesspeople. If youre good, hell make you great. If youre great, hell make you the best! Next, Four Secrets to Liking Your Work offers the first practical, start-to-finish program for transforming your work life: all the tools, tricks, ideas, examples, and proven research you need to make your work life more fulfilling and joyful, wherever you work--starting right now. Finally, in Your Job Survival Guide: A Manual for Thriving in Change, Gregory Shea, Ph.D., and Robert Gunther help you thrive amidst the challenges of your permanent whitewater world of change at work. Drawing on extensive research, they show how to protect your career, improve your resilience, and rediscover play and adventure as you ride the workplace rapids.

From inspirational business leaders, trainers, and authors, including Alan Lurie, Kevin Elko, Edward Muzio, Deborah Fisher, Erv Thomas, Gregory Shea, and Robert Gunther
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Starting a job mid year - tax/salary/401k question
Added on : Friday October 04th 2013 03:00:06 PM
g: 0 Posted By: thetobster
Views: 209 Replies: 2 Hi,

I can't seem to find an answer to this anywhere. I started a job in July and want to know how the taxes work since I missed half the fiscal year. It looks like my paycheck has been withheld at the normal rate, which wouldn't be correct since I'll only be making half my total salary this year. Is there a form I can file to reduce the withholding?

Also- what happens if I max my 401k out this year? Can I basically avoid all tax liability?

Hoping someone with more career history/experience can answer this
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g: 7 Posted By: archena
Views: 1498 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Got A Bad Boss? Work That Boss to Get What You Want at Work [Kindle Edition] was $7.99

Noelle Nelson (Author)

http://www.amazon.com/dp/B00F80BKEW

Publication Date: September 15, 2013

Publisher: MindLab Publishing LLC

3 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides


Got A Bad Boss? is for the legions of unhappy employees who have a Bad Boss--those bosses who inflict misery and abuse on too many employees who aren't in a position to quit. It's a practical step-by-step guide to making yourself valuable to a Bad Boss instead of cringing, screaming, or going crazy; to take control of your job and your career even if your Bad Boss is a raving lunatic, narcissist or just plain incompetent.

(Check out the book trailer at http://youtu.be/Xt-XEFjzJ68)

How? By discovering your Bad Boss's secret desire and secret fear--which then gives YOU the secret to "working your boss to get what you want at work.

Not only that, but youve got strengths--work strengths embedded within your Employee Type--that you can use to make yourself valuable, to leverage your way to success no matter how bad your Bad Boss is.

Thats what Got A Bad Boss? gives you: strategies and techniques specific to working each type of Bad Boss, from Finger Pointer Boss to Incompetent Boss to Egomaniacal Boss and more--using your particular work-strengths--whether youre an Ambitious Employee, Hyper Sensitive, Pleaser or Impatient as all heck.
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g: 3 Posted By: archena
Views: 927 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

My Brother in Arms: The Exceptional Life of Mark Andrew Forester, United States Air Force Combat Controller [Kindle Edition] was $11.99

Thad Forester (Author)

http://www.amazon.com/dp/B00FDWCIGE

Publication Date: September 22, 2013

Publisher: Triumph Press

6 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Leaders & Notable People > Military

On September 29, 2010 my brother, Mark Forester, was KIA while fighting terrorist in Afghanistan. His heroic legacy of being shot down while preparing to rescue a fallen teammate began long before this tragic day.

An Apache aviator said of Mark's final battle: ..."I have never witnessed such an act of heroism in my three years of fighting in combat. I have over 2,700 hours total time with 1,500 hours of combat time in both Iraq and Afghanistan...JAG 28 continued to advance on the enemy while taking intense enemy fire, and continuously fired his weapon in an attempt to get to his fallen teammate and destroy the enemy."

Mark chose to enlist in the Air Force as a Special Operations Combat Controller after he received his Bachelors degree from The University of Alabama. Because of his above average grades and near-photographic memory, his Business Finance degree would have done him well. But, he felt a higher calling; one that put him between us and the enemies bent on our destruction.

Mark is the youngest of five children. He is my younger brother and I write from that viewpoint. We were the youngest in the family and he was my best friend. There are few things in life that I can speak of with total confidence and convictionmy little brother is one of them. Marks military career was only a small part of his life, so this book doesn't highlight just the last three years of his 29 years on earth, but I've tried to capture his entire life. From his family environment, to his spiritual beliefs, to his trials, and then to his physical talents; these all prepared him to face his most vicious battles in one of the most violent areas of the world.

Since his death, our eyes and hearts have been opened to multiple examples of selflessness and patriotism by meeting his teammates and leaders in the military. We have witnessed first-hand their ability to turn off their stern, professional personae and turn on compassion, love, support and acceptance. I feel a strong desire to Honor our Heroes. This book highlights one hero, SrA Mark A. Forester, and also helps recognize many other men and women who volunteer to fight for our freedom.

My Brother in Arms is not a memorial in print, but a biography for continuing Marks legacy of perseverance, determination and accomplishing our missions on earth. We each have different missions, but whats important is for each of us to recognize ours and work to accomplish it. In the end, dont we all want to go out while moving forward?

About the Author
Thad Forester lives in Trussville, AL with this devoted wife Rozlynn and spoiled, newborn son Jack. On a typical fall Saturday, you can find them eating BBQ nachos and watching the Tide play.


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g: 0 Posted By: archena
Views: 87 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Got A Bad Boss? Work That Boss to Get What You Want at Work [Kindle Edition] was $7.99

Noelle Nelson (Author)

http://www.amazon.com/dp/B00F80BKEW

Publication Date: September 15, 2013

Publisher: MindLab Publishing LLC

3 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides


Got A Bad Boss? is for the legions of unhappy employees who have a Bad Boss--those bosses who inflict misery and abuse on too many employees who aren't in a position to quit. It's a practical step-by-step guide to making yourself valuable to a Bad Boss instead of cringing, screaming, or going crazy; to take control of your job and your career even if your Bad Boss is a raving lunatic, narcissist or just plain incompetent.

(Check out the book trailer at http://youtu.be/Xt-XEFjzJ68)

How? By discovering your Bad Boss's secret desire and secret fear--which then gives YOU the secret to "working your boss to get what you want at work.

Not only that, but youve got strengths--work strengths embedded within your Employee Type--that you can use to make yourself valuable, to leverage your way to success no matter how bad your Bad Boss is.

Thats what Got A Bad Boss? gives you: strategies and techniques specific to working each type of Bad Boss, from Finger Pointer Boss to Incompetent Boss to Egomaniacal Boss and more--using your particular work-strengths--whether youre an Ambitious Employee, Hyper Sensitive, Pleaser or Impatient as all heck.
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g: 0 Posted By: archena
Views: 121 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

My Brother in Arms: The Exceptional Life of Mark Andrew Forester, United States Air Force Combat Controller [Kindle Edition] was $11.99

Thad Forester (Author)

http://www.amazon.com/dp/B00FDWCIGE

Publication Date: September 22, 2013

Publisher: Triumph Press

6 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Leaders & Notable People > Military

On September 29, 2010 my brother, Mark Forester, was KIA while fighting terrorist in Afghanistan. His heroic legacy of being shot down while preparing to rescue a fallen teammate began long before this tragic day.

An Apache aviator said of Mark's final battle: ..."I have never witnessed such an act of heroism in my three years of fighting in combat. I have over 2,700 hours total time with 1,500 hours of combat time in both Iraq and Afghanistan...JAG 28 continued to advance on the enemy while taking intense enemy fire, and continuously fired his weapon in an attempt to get to his fallen teammate and destroy the enemy."

Mark chose to enlist in the Air Force as a Special Operations Combat Controller after he received his Bachelors degree from The University of Alabama. Because of his above average grades and near-photographic memory, his Business Finance degree would have done him well. But, he felt a higher calling; one that put him between us and the enemies bent on our destruction.

Mark is the youngest of five children. He is my younger brother and I write from that viewpoint. We were the youngest in the family and he was my best friend. There are few things in life that I can speak of with total confidence and convictionmy little brother is one of them. Marks military career was only a small part of his life, so this book doesn't highlight just the last three years of his 29 years on earth, but I've tried to capture his entire life. From his family environment, to his spiritual beliefs, to his trials, and then to his physical talents; these all prepared him to face his most vicious battles in one of the most violent areas of the world.

Since his death, our eyes and hearts have been opened to multiple examples of selflessness and patriotism by meeting his teammates and leaders in the military. We have witnessed first-hand their ability to turn off their stern, professional personae and turn on compassion, love, support and acceptance. I feel a strong desire to Honor our Heroes. This book highlights one hero, SrA Mark A. Forester, and also helps recognize many other men and women who volunteer to fight for our freedom.

My Brother in Arms is not a memorial in print, but a biography for continuing Marks legacy of perseverance, determination and accomplishing our missions on earth. We each have different missions, but whats important is for each of us to recognize ours and work to accomplish it. In the end, dont we all want to go out while moving forward?

About the Author
Thad Forester lives in Trussville, AL with this devoted wife Rozlynn and spoiled, newborn son Jack. On a typical fall Saturday, you can find them eating BBQ nachos and watching the Tide play.


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g: -2 Posted By: Jatene
Views: 269 Replies: 0 http://www.amazon.com/gp/goldbox/

"Today only, save 73% on all nine seasons of "The X-Files" plus the movies. Follow the careers and personal lives of FBI Special Agents Fox Mulder and Dana Scully in one of the longest-running science fiction series in US television history."

Collection Includes:

The X-Files: Complete Seasons 1-9
The X-Files: I Want to Believe
The X-Files (aka Fight the Future)


Update:
Direct Link
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Expatriating to Switzerland
Added on : Tuesday September 24th 2013 10:00:05 AM
g: 1 Posted By: nasheedb
Views: 203 Replies: 16 Little bit of background first. My gf is finishing up her PhD and will likely graduate early next year. In her field, it is very common, almost expected, to do a couple of years of post-doc after graduation. When we started dating, she always said that she wanted to do her post-doc in Europe because it would help her career tremendously. I've always been firm in wanting to stay in the US since I'm pretty well established here, I have a good paying job in a niche industry and I own a house.

In August my gf had a conference in Switzerland that she attended. I went with her the FWF way, paid for the flight with miles and stayed in her hotel room that her school paid for. The week before we left, I was browsing some forums when I came across a job posting in Switzerland, a job that I was qualified for. I sent the link to her just to show her what I found. I was never planning on applying, but she strongly encouraged me to do so and I did. I figured I had nothing to lose. The company was very interested in talking to me and they setup an interview for the following week. I met with them on a Tuesday, and the interview went very well, in fact they asked me to come back for a follow-up interview two days later. After the second interview they explained to me what's going on. They're very interested in me, I'm the perfect candidate for the position, however, I am a US Citizen. Since the IRS strong-armed their banks into turning over tax cheats, they don't like Americans very much. In fact, for every job opening they have, they have to first recruit in Switzerland, then the EU before they can even consider an American. The government will not approve work visas for Americans unless it is an absolute necessity. Fast forward a month and I receive a job offer.

The details:
Age: 26
Current Salary: low 100s. No bonus, no compensation for overtime, nothing extra. I'll be very lucky if I get a 3% raise next year.
Benefits: 2 weeks vacation, 1 week sick, 9 paid holidays, 4% match on 401(k) if you max it out
Job conditions: Terrible. There are 4 of us on the team who do the same thing as me. I have about 10 years experience with this product (yeah, I really started working in this industry at 16) and not to be tooting my own horn, but I'm an expert at what I do. There are 3 others on the team, and their experience ranges from literally fresh out of training to 3 years with the product. The guy who has the 3 years experience should be able to do a lot, but he's the most incompetent person that I've ever had to work with. Because of the inexperience/incompetence on the team, very basic changes need to be made in the middle of the night and I have a lot of changes to make. I am up very late at least once a week, sometimes more. I also put in a lot of time on the weekends, sometimes I even work 20+ hours in a single weekend. All this extra work I receive absolutely no compensation for. Additionally, the company as a whole is doing really badly, we're losing clients, laying off employees, etc. Things are bad now, but they will only get worse. There is a very real chance that I will get laid off in the next 12 months, especially if the others on the team gain more experience as they probably make a lot less than I do. I'm on-call 24/7.

The offer:
Base salary: $115k when converted to USD
Bonus: 15% or a little over $17k if 100% of targets are met (not quite sure what the targets will be)
Sign-on bonus: $5.5k for relocation assistance and they provide an apartment for a month while I get my own apartment
Benefits: 5 weeks vacation, pension contribution (I think around 4.5% of salary), overtime pay (or additional time off, but I'd take the money) for anything over 45 hours/week and the Swiss don't have "Exempt" classifications, company paid accident insurance (global), $100/week extra every week that you're on-call
Job conditions: employees are much more expensive to the company since they have to pay them more and they can't abuse them and treat them like slaves. That means that they're only hiring the best of the best, employees who can get a lot done in a short amount of time. All my coworkers would all be very smart (this was apparent in the interview), I wouldn't be constantly banging my head against the desk about what a stupid mistake someone made. The Swiss also have a very good work ethic, they don't browse Facebook, Youtube, FWF etc while they're at work. When you're at work, you're expected to work. There would also be an on-call rotation.

Pros:

I get to try something new and exciting. I've lived in Texas for almost 5 years now. Texas will still be here even if I go overseas for 3 years. If I don't take this chance, I will always feel like I missed out because later on I will likely not be able to do something like this. It's just a lot harder when you have kids.
I get to see all of Europe in 3 years. Switzerland is in the dead center of Europe. Travel is really easy, you have all the cheap carriers like RyanAir and you have an awesome train system.
I'll get to visit extended family more often. My grandparents (as well as aunts, uncles, cousins, etc)live in Eastern Europe. My grandparents aren't going to live forever...
Money. Yeah, I'll be making a little bit more money, but honestly it will be a wash because living in Switzerland is very expensive. Where the money really makes a huge difference will be with my gf. Pretty much all post-docs in the US pay $40-45k/year independent of location (basically no COL adjustment). In Switzerland, she would make $90-100k/year as a post-doc. If we lived together in Switzerland, that would certainly cut down on my living expenses.
Savings: My goal would be to save up $100k cash while living in Switzerland, probably 3 years. This would come from lower standard of living, going from a 3000 sq ft house to a 1 bedroom apartment, going from 2 cars to a bicycle.
Side income: If I quit my job, there is a very high chance that I'll get extra 1099 work from them at least in the short term, until they find someone to replace me. I work remotely now, and my employer doesn't care where I am working from currently. By the time I finish my work in Switzerland, they're just starting the day in the US, so the time-zone difference actually plays in my advantage
Career. While this job itself is essentially a lateral move for me from a responsibility perspective, gaining international experiencewill help my career in the future

Cons:

The unknown
High cost of living. A one-bedroom apartment in the part of Switzerland that I would be about $2000/month. Food is at least twice as expensive as it is in the US. The Swiss are very healthy, all their food is organic and they've banned a bunch of chemicals that we eat every day. This means that you're essentially forced to buy all your groceries at Whole Foods. Any restaurant meal will be at least $30-40 a person.
Lower standard of living. I'd be going from living in a 3000 sq ft house to a 1 bedroom apartment. I'd go from driving everywhere to having to bike and use public transportation, etc.
I get stuck in Switzerland alone ifmy gf isn't able to find a post-doc.
Absentee landlord. I wouldn't sell my house, I'd rent it out. I'd have to deal with the headaches of being an absentee landlord. I'd also probably end up cash-flow negative on the house since my loan is for 10 years.
Miss out on retirement contributions. No 401(k), most likely no Roth IRA either (too much income), but I've already got a pretty good head start on retirement savings, so this isn't that big of a deal. I have close to $200k saved up for retirement already.

My thoughts at this point are that the salary that they're offering me is a little bit on the low side. I'd like to get at least another 10%. They obviously couldn't find someone qualified in Switzerland or the EU, if they could then they wouldn't have made me the offer. I think I can approach this from the angle of "I'm making almost that much today, but in a much lower cost of living area". What are everyone's thoughts? Should I do this or no? How should I handle the salary negotiation?
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Michael J Fox Lucky Man Autobiog: $2.99 at AMAZON KINDLE
Added on : Monday September 23rd 2013 05:00:06 PM
g: 0 Posted By: MISTERCHEAP
Views: 224 Replies: 0 Lucky Man: A Memoir $2.99 (regularly $12.99)
http://www.amazon.com/gp/product/B00606WU3S/ref=as_li_ss_tl?ie=U...


Combining his trademark ironic sensibility and keen sense of the absurd, he recounts his life from his childhood in a small town in western Canada to his meteoric rise in film and television which made him a worldwide celebrity. Most importantly however, he writes of the last 10 years, during which with the unswerving support of his wife, family, and friends he has dealt with his illness. He talks about what Parkinsons has given him: the chance to appreciate a wonderful life and career, and the opportunity to help search for a cure and spread public awareness of the disease. He is a very lucky man, indeed.
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Free Kindle- Fast Track to Business Success (Collection) was $74.99
Added on : Monday September 23rd 2013 06:00:06 AM
g: 0 Posted By: remick
Views: 171 Replies: 0 http://www.amazon.com/dp/B007ZSZNC0

Three great books present breakthrough techniques for managing innovation, projects, people, and business performance! Innovation: Fast Track to Success presents a practical framework for identifying new commercial opportunities and developing new and better ways of doing things. This integrated framework helps you get all six key elements of innovation right: planning, pipeline, process, platform, people, and performance. Project Management: Fast Track to Success shows how to adapt and simplify project management tools and techniques to make them maximally relevant to modern business operational activities. Finally, in Managing People & Performance: Fast Track to Success, David Ross shows how to get the best possible performance out of every member of your team, whatever their personality or skillset. Ross shows how to build a high-performance team by gaining deep insight into each individual team member and motivating them to work together to deliver the results you need. Together, these three books will teach you the key skills you need to excel as a manager--and accelerate your career development!

From world-renowned leaders in optimizing business performance, including Andy Bruce, David Birchall, Patrick Harper-Smith, Simon Derry, and David Ross
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g: 0 Posted By: remick
Views: 142 Replies: 0 http://www.amazon.com/Im-No-Angel-Victorias-ebook/dp/B00AEB3B2E/

In December 2011, 21-year-old Victoria's Secret model Kylie Bisutti stunned the fashion industry when she chose faith over fame and fortune and made the switch from supermodel to role model.

In I'm No Angel, Kylie shares her story--from her early years struggling to make it big in the cut-throat world of modeling, her "big break" winning the Victoria's Secret Runway Angel competition, and the disillusionment and spiritual warfare that followed, to the moment she realized that she could no longer reconcile her career with her Christian beliefs, surrendered her life to God, said goodbye to the runway, and dedicated her life to preaching a message of modesty and inner beauty.

Along the way, Kylie talks about her personal struggles with inadequacy, low self-esteem, and her near-constant quest for approval in a world where you can never be thin enough, pretty enough, or sexy enough. She helps readers understand that true beauty lies within and that real fulfillment comes from knowing, loving, and serving Christ.
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g: 10 Posted By: archena
Views: 1486 Replies: 3 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Body Language (Unmasked: A Revealing Look at the Fascinating World of Body Language 1) [Kindle Edition] was $8.99

Craig James Baxter (Author)

http://www.amazon.com/dp/B00C1KXRXY

Publication Date: March 25, 2013

Publisher: www.all-about-body-language.com

10 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Psychology & Counseling > Social Psychology & Interactions

Why You Should Read This Book!

If you have ever been interested in the fascinating world of body language and human behaviour, then this book is for you. Craig James Baxter has developed this useful, practical guide which will help you to become more adept at interpreting the gestures and behaviour of others. It will also help you to improve and refine your own body language to enable you to experience greater success both at work and in your relationships with others.

Craig will show you the importance of establishing baseline behaviours in the person whose body language you are observing so that you can be aware of when they are experiencing issues. He educates you on how to avoid certain pitfalls when reading body language and highlights how there are many surprising cultural differences that exist when analysing gestures. Through the use of case studies, Craig shows you how you can read the non-verbal behaviour of others in order to establish the truth in certain difficult situations.

Whether you are a student or just want to learn more about human behaviour, there is something in this book for everyone.

This is the second book by Craig James Baxter - his first, Behind The Mask: What Michael Jackson's Body Language Told The World, was an international number 1 bestseller in its category on Amazon in the UK, USA, France, Germany and Italy.


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g: 0 Posted By: archena
Views: 91 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Body Language (Unmasked: A Revealing Look at the Fascinating World of Body Language 1) [Kindle Edition] was $8.99

Craig James Baxter (Author)

http://www.amazon.com/dp/B00C1KXRXY

Publication Date: March 25, 2013

Publisher: www.all-about-body-language.com

10 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting

#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Psychology & Counseling > Social Psychology & Interactions

Why You Should Read This Book!

If you have ever been interested in the fascinating world of body language and human behaviour, then this book is for you. Craig James Baxter has developed this useful, practical guide which will help you to become more adept at interpreting the gestures and behaviour of others. It will also help you to improve and refine your own body language to enable you to experience greater success both at work and in your relationships with others.

Craig will show you the importance of establishing baseline behaviours in the person whose body language you are observing so that you can be aware of when they are experiencing issues. He educates you on how to avoid certain pitfalls when reading body language and highlights how there are many surprising cultural differences that exist when analysing gestures. Through the use of case studies, Craig shows you how you can read the non-verbal behaviour of others in order to establish the truth in certain difficult situations.

Whether you are a student or just want to learn more about human behaviour, there is something in this book for everyone.

This is the second book by Craig James Baxter - his first, Behind The Mask: What Michael Jackson's Body Language Told The World, was an international number 1 bestseller in its category on Amazon in the UK, USA, France, Germany and Italy.


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Free Kindle - Successful Women Think Differently (was $12.99)
Added on : Friday September 20th 2013 02:00:02 AM
g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/Successful-Women-Think-Differently-ebook/dp/B006UAAVF8

4.8 out of 5 stars with 51 reviews

About the Author
Valorie Burton is founder and director of the Coaching and Positive Psychology Institute (www.cappinstitute.com) and the author of eight books on personal development. She is a certified personal and executive Coach, regular contributor on CNN's Reclaim Your Career segment, and columnist for Ebony magazine.

Popular author and professional certified Coach Valorie Burton knows that successful women think differently. They make decisions differently. They set goals differently and bounce back from failure differently. Valorie is dedicated to help women create new thought processes that empower them to succeed in their relationships, finances, work, health, and spiritual life.
g: 0 Posted By: archena
Views: 20 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.

Searching for George Gordon Meade: The Forgotten Victor of Gettysburg [Kindle Edition] was $32.95

Tom Huntington (Author)

http://www.amazon.com/dp/B00CBX00SG

Publication Date: February 1, 2013

Publisher: Stackpole Books

12 Reviews ★★★★★

#1 in Kindle Store > Kindle eBooks > History > Americas > United States > Civil War


Despite his great victory at Gettysburg and his command of the army that forced Lee's surrender at Appomattox, George Meade saw his fame eclipsed by that of Lee, Grant, and other Civil War generals. This book does a great deal to redress that historical injustice. Tom Huntington has invented a new genre of biography that shifts between past and present as he tells the story of Meade's life and describes his own pilgrimage to the key sites of that life. The result is an engrossing narrative that the reader can scarcely put down. --James M. McPherson, Pulitzer Prize-winning author of Battle Cry of Freedom

A historian's investigation of the life and times of Gen. George Gordon Meade to discover why the hero of Gettysburg has failed to achieve the status accorded to other generals of the conflict
Covers Meade's career from his part in the Mexican-American War through his participation in the great Civil War engagements, including Second Bull Run, Antietam, Fredericksburg, Chancellorsville, Gettysburg, and Petersburg
Available for the 150th anniversary of the Battle of Gettysburg
Explores Meade's legacy today at reenactments, battlefields, museums, and institutions that preserve history



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Need advice on grad schools/ career choices
Added on : Sunday September 15th 2013 07:00:06 AM
g: 0 Posted By: dbdr
Views: 177 Replies: 4 Hi everyone,
I have BA degree in Psychology, with minor in Nutrition. I also have experience in student affairs and residence community.

What field should I enter to get a decent salary? And should I go for Grad schools with which field? I'm poor and don't want to pay tuition, so I hope to apply to programs with generous scholarships. BTW, my GPA is 3.6.

Thank you very much in advance for your help!
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Free Wannabe Series eBooks (Christian) From Educents - was $98.45
Added on : Friday September 13th 2013 06:00:07 AM
g: 0 Posted By: remick
Views: 3 Replies: 0 https://www.educents.com/national-deals/deal/wannabe-ebook-series#.UjM3jdJOPeK

Are you looking for real-life spiritual mentors and heroes for your children? Do you want to help them explore the world of opportunity around them and maybe spark their interest toward a special calling? Youll love this multi-age unit study from The Old Schoolhouse that encourages the learning of basic subject skills and inspires creativity while focusing on a particular, exciting occupation. Expose your children to a selection of the many possible career choices available today, complete with activities that will make learning fun for your entire family and all from a Christian worldview!

Who is it for?

Geared towards the 8-13 year-old age range
Special activities included for younger children
What is included?

The Old Schoolhouse WannaBe Series includes:
I Want to be an Artist
I Want to be a Chef
I Want to be a Doctor
I Want to be a Farmer
I Want to be a Firefighter
I Want to be a Police Officer
I Want to be in the Military
I Want to be a Missionary
I Want to be a Pilot
I Want to be a Veterinarian
I Want to be a Video Game Designer
IT Career's future prospects.
Added on : Friday September 13th 2013 05:00:12 AM
g: 0 Posted By: regor1000k
Views: 0 Replies: 0 http://money.cnn.com/gallery/news/economy/2013/09/10/hard-to-fill-jobs/index.html

Summary:* Microsoft: "one or two years of programming experience". Age 30+ need not apply.
* Smith & Solomon trucking: Looking for "newer drivers". Age 35+ need not apply.
* Software Advice 'savant', look at all the young people in the photos. Looking for "tech and web savvy people" willing to "invest in the future". Age 30+ need not apply
* State Farm IT workers, the job listing says 2-4 years work experience is ideal.
* Construction engineer, better have a nice young body to be climbing on those structures.
* "Data Scientist" : Looking for "recent graduates".
* Welders... specifically entry level or up to 3 years experience.
* Petroleum engineer, looking for 2-3 years experience.They don't want you if you have more than 5 years experience.

-I am in IT and I have been seeing a lot of older IT folks losing their jobs to younger and cheaper ones.
-Lets not discount the unlimited supply of fresh to USA and very cheap- H1B's from India.(leave alone googlers and facebook/product companyfolks, there are many folksready to work for65k in SF Bay as that is the minimum required wage in Santa Clara County for IT for H1B)
-How can somebody with a small family compete with 65k in SF Bay Area
-I am not being biased as I also see the same older Indian folks are kicked out of the IT market for younger H1B's

I am in the wrong field? What's the future for older IT folks?
Zagat wine club + United Miles ($90 for 15 bottles + 1000+United miles)
Added on : Sunday September 08th 2013 04:00:08 AM
g: 1 Posted By: JDdoc
Views: 213 Replies: 1 The Zagat Wine deal has happened before. Basically, $69 + $20 shipping for either 15 Reds, 15 Whites or 15 Mixed. You also get four rather basic looking wine glasses "crafted by their master glassblower...)

Tabasco has ruined my career as a wine connoisseur but popping open a bottle for company or after the kids go to bed is therapeutic. That said, if anyone knows how I can get more Didier Dagueneau Pouilly-Fume for a good price...

Anyway, what sweetens the pot this time is that United is running a 3x miles bones for clicking through their mileageplus shopping portal. So, if you're a United / Chase cardholder you get 18 miles / $ and 12 miles / $ if you don't have a united card.

The value of the miles isn't really a debate I want to get into right now, but if you fly internationally, you should be able to get 3-4 cents / mile (saver, 2 open jaws, stopover). If you mostly fly domestic / Hawaii, then probably 2.2 cents /mile (Mileage saver fares, Use Open Jaw / stopover).

Anyway, you'll get about 1080 - 1620 FF miles that are probably worth about $15-$30 conservatively. If you're using your FidAmex or United Miles CC or whatever bonus card on top, the Mileageplus shopping portal will stack that.

So, net-net, the wine is less than $5 / bottle shipped. No vouching for quality but see Tabasco comment above.


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Free streaming of Sheryl Crow's soon to be released album - Feels Like Home
Added on : Saturday September 07th 2013 03:00:08 AM
g: 0 Posted By: remick
Views: 124 Replies: 0 http://www.amazon.com/gp/feature.html?docId=1001359401

Look to right to listen to the album

Nine-time GRAMMY award-winner Sheryl Crow will release her highly anticipated brand-new album,Feels Like Home, September 10 on Warner Bros. Records. The album is the first country record of her career and features her hit single, Easy." Each track on the album was co-written with another songwriter, which is a first for Crow, including GRAMMY award-winner Brad Paisley.
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Anyone here on fatwallet "enjoy" working?
Added on : Monday September 02nd 2013 12:00:07 PM
g: 1 Posted By: carl1864
Views: 153 Replies: 3 Just curious if any fatwallet members actually "enjoy" working their career. As in, even if they were 100% financially secure, and had no need for extra money, they would continue working? I'm under the impression most members are on here for the sake of discussing financial decisions in order to work less in their life, but I could be wrong.

I'm often amazed and baffled at people I talk to who say they actually enjoy work, not just for the money. That even if they won a multi million dollar jackpot, would continue working their job. And I'm not talking Racecar drivers, Skydive instructors, Pornstars, etc. I'm talking Heavy construction workers, Butchers, Laborers, Assembly line workers, and many other jobs that most people wouldn't even want to do for a day, let alone a career. I've asked many, and the most common response is "What am I going to do with my time if I don't work?".

I just don't understand it though, there are so many awesome things to see, places to go, talents to learn, things to experience, people/family to spend time with, hobbies to do, etc. You could never even do them all even if you never worked a day in your life. So why for example would the laborer prefer to jackhammer concrete than go scuba diving in the tropics, if money were no object?

If anyone does enjoy working like this, could you explain it to me in a way I can understand? Because right now, I cannot even wrap my head around the concept, but I'm so curious to understand.

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g: 4 Posted By: remick
Views: 298 Replies: 0 http://www.amazon.com/Pass-Exam-70-461-Interview-ebook/dp/B00AU3AP3E


CHAPTER 1: SQL Server Sample & System Databases
CHAPTER 2: Installing SQL Server 2012
CHAPTER 3: Structure of the SELECT Statement
CHAPTER 4: SQL Server Management Studio
CHAPTER 5: Basic Concepts of Client-Server Computing
CHAPTER 6: Fundamentals of Relational Database Design
CHAPTER 7: Normal Forms & Database Normalization
CHAPTER 8: Functional Database Design
CHAPTER 9: Advanced Database Design Concepts
CHAPTER 10: The Art of Database Design
CHAPTER 11: New Programming Features in SS 2012
CHAPTER 12: JOINing Tables with INNER & OUTER JOINs
CHAPTER 13: Basic SELECT Statement Syntax & Examples
CHAPTER 14: Subqueries in SELECT Statements
CHAPTER 15: SELECT INTO Table Creation & Population
CHAPTER 16: Modify Data - INSERT, UPDATE, DELETE & MERGE
CHAPTER 17: The Magic of Transact-SQL Programming
CHAPTER 18: Exporting & Importing Data
CHAPTER 19: Maintaining Data Integrity in the Enterprise
CHAPTER 20: Query & Stored Procedure Optimization
CHAPTER 21: Advanced T-SQL Programming Topics
SPECIAL: How to Prepare for the Exam & Job Interview.

Relational database design and SQL (Structured Query Language) programming teach-by-practical-diagrams-&-examples book for developers, programmers, systems analysts and project managers who are new to relational database and client/server technologies. Also for database developers, database designers and database administrators (DBA), who know some SQL programming and database design, and who wish to refresh & expand their RDBMS design & development technology horizons. The book has special orientation for passing Exam 70-461(Querying Microsoft SQL Server 2012), job interview and performing well on the job. Familiarity with at least one computer programming language, Windows file system & Excel is assumed. Since the book is career advancement oriented, it has a great number of 3NF database design examples with metadata explanations along with practical SQL queries (over 1,600 SELECT queries) and T-SQL scripts, plenty to learn indeed. Great emphasis is placed on explaining the FOREIGN KEY - PRIMARY KEY constraints among tables, the connections which make the collection of individual tables a database. The database diagrams and queries are based on historic and current SQL Server sample databases: pubs (PRIMARY KEYs 9, FOREIGN KEYs 10) , Northwind (PRIMARY KEYs 13, FOREIGN KEYs 13) and the latest AdventureWorks series. Among them: AdventureWorks, AdventureWorks2008, AdventureWorks2012 (PRIMARY KEYs 71, FOREIGN KEYs 90), & AdventureWorksDW2012 (PRIMARY KEYs 27, FOREIGN KEYs 44). The last one is a data warehouse database which is the basis for multi-dimensional OLAP cubes. Sample databases installation instructions are included. The book teaches through vivid database diagrams and T-SQL queries how to think in terms of sets at a very high level, focusing on set-based operations instead of loops like in procedural programming languages. There is a chapter dedicated to the new programming features of SQL Server 2012 and XML. The best way to master T-SQL programming is to type the query in your own SQL Server Management Studio Query Editor, test it, examine it, change it and study it. Wouldn't it be easier just to copy & paste it? It would, but the learning value would diminish rapidly. You need to feel relational database design and the SQL language in your DNA. SQL queries must "pour" out from your fingers into the keyboard.


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g: 0 Posted By: jaarons
Views: 223 Replies: 3 Exercise is Just a BONUS, Your Guide to Simple & Lasting Weight Loss

http://www.amazon.com/Exercise-Simple-Lasting-Weight-ebook/dp/B00EUIFS3M/ref=sr_1_1?s=books&ie=UTF8&qid=1377741282&sr=1-1

Finally, A Super Cheap Weight Loss eBook That Doesn't Link You To Some 'Miracle' Product!!!
$2.50 on Amazon [Kindle Edition]


"This is a weight loss guide designed to teach the simple math behind counting calories and losing weight effectively. This book outlines the method the author used to lose the pounds, and keep them off, with minimal exercise. This is a book for people who don't like to exercise, don't have time for a workout routine, and still want to lose weight. It's geared toward changing eating habits, and making choices for a healthier lifestyle.

This method is ideal for you as busy moms, busy dads, career driven individuals, and anyone who really doesn't like a workout routine. The method will save you money in the long run too, because you will learn to bypass the fast food, make better choices, and eat less overall."

Free Reader App(s) Available on Amazon:
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g: 0 Posted By: archena
Views: 89 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Business Productivity Strategies for Success (Collection) [Kindle Edition] was $89.99Mark I. Woods (Author), Trapper Woods (Author), Merrick Rosenberg (Author), Daniel Silvert (Author), Jerry Weissman (Author), Martha I. Finney (Author) http://www.amazon.com/dp/B00COGYQN0Publication Date: April 27, 2013Publisher: FT PressNo Reviews#1 in Kindle Store > Kindle eBooks > Business & Investing > Reference > Office Skills#2 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides  A brand new collection of 4 authoritative guides to improving your business productivity!  4 authoritative books help you supercharge your business productivity and effectiveness today, every day, for years to come!  This extraordinary collection of books will help you get better way better! at the tasks that can make or break your career! Start with time management: Attack Your Day presents Crucial activity management skills and 101 productivity strategies for achieving unprecedented effectiveness, and moving relentlessly towards your greatest life goals. Learn to dramatically improve the way you prioritize activities organize inherently more productive days make sure the most important tasks get done overcome procrastination forever know how to turn on a dime without sacrificing focus learn how and when to say NO to interruptions! Next, Taking Flight! reveals profound hidden patterns of human behavioral style, helping you gain deeper self-awareness, maximize your personal strengths, and influence others. Learn how to use the proven DISC model of human behavior to become a more effective leader, salesperson, or teacher; revitalize your career; and build deeper relationships. Discover why you click with some people and clank with others, and what really drives you! Then, create your own personal action plan for making the most of your strengths, working around weaknesses, and supercharging your personal performance. In Winning Strategies for Power Presentations, legendary presentations Coach Jerry Weissman distills 75 best practices hes developed through 20+ years coaching executives on high-stakes presentations. Weissman shares powerful new insights into contents, graphics, delivery, Q&A sessions, and more. He offers new advice on making persuasive political and scripted speeches, developing a richer public speaking voice, interviewing others, demonstrating products, and much more. Every technique is illuminated with a compelling case study, reflecting experiences of communicators ranging from Ronald Reagan to Jon Stewart, Stephen King to Netflix CEO Reed Hastings. Finally, The Truth About Getting the Best From People, Second Edition brings together 60+ proven principles for achieving employee engagement one-hundred percent of the time. This new edition features more than 15 new truths including: managing virtual teams, building persuasive skills, tuning into your own unconscious biases, managing multiple generations, and identifying and cultivating individual high performers. Whatever your leadership role, this collection will supercharge your effectiveness and your career!  From world-renowned business productivity experts Mark Woods, Trapper Woods, Merrick Rosenberg, Daniel Silvert, Jerry Weissman, and Martha I. Finney
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g: 4 Posted By: archena
Views: 1487 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Share: 27 Ways to Boost Your Social Media Experience, Build Trust and Attract Followers [Kindle Edition] was $9.95Robert Anspach (Author)
http://www.amazon.com/dp/B00EEQL1R2Publication Date: May 31, 2013Publisher: Anspach Media10 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing#2 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job HuntingFinally a simple, easy to follow guide that shows you real life examples on how to improve your online communication to win over fans, friends and followers.
If you're about ready to call it quits, are totally frustrated with, and ready to throw your hands up in defeat over social media then this book is for you!
In this game changing book by Rob Anspach you'll discover...
Twenty seven common sense ways that will make posting to social media so much easier and profitable.
Simple tactics that will build trust with your fans and make cheerleaders out of your followers.
Real world examples that show how easy social media can be with the right formula in place.
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g: 2 Posted By: archena
Views: 2818 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Diverse Schools Dilemma: A Parent's Guide to Socioeconomically Mixed Public Schools [Kindle Edition] was $9.99Michael Petrilli (Author)
http://www.amazon.com/dp/B009F32Z2EPublication Date: September 21, 2012Publisher: Thomas B. Fordham Institute12 Reviews - ★★★★#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Education Policy & Reform#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > PolicyMany of today's parents yearn to live in or near the lively, culturally vibrant heart of the city--in diverse, walkable neighborhoods full of music and theater, accessible to museums and stores, awash in ethnic eateries, and radiating a true sense of community. This is a major shift from recent generations that saw middle class families trading urban centers for suburbs with lawns, malls, parks, and good schools. But good schools still matter. And standing in the way of many parents' urban aspirations is the question: Will the public schools in the city provide a strong education for my kids? To be sure, lots of parents favor sending their sons and daughters to diverse schools with children from a variety of racial and socioeconomic backgrounds. But can such schools successfully meet the educational needs of all those different kids? How do middle class children fare in these environments? Is there enough challenge and stimulation in schools that also struggle to help poor immigrant children reach basic standards? Is there too much focus on test scores? And why is it so hard to find diverse public schools with a progressive, child-centered approach to education? These quandaries and more are addressed in this groundbreaking book by Michael J. Petrilli, one of America's most trusted education experts and a father who himself is struggling with the Diverse Schools Dilemma.About the Author
Mike Petrilli is one of the nation's foremost education analysts. As executive vice president of the Thomas B. Fordham Institute, he oversees the organization's research projects and publications and contributes to the Flypaper blog and weekly Education Gadfly newsletter. He is also a research fellow at Stanford University's Hoover Institution and Executive Editor of Education Next, where he writes a regular column on technology and media, as well as feature-length articles. Petrilli has published opinion pieces in the New York Times, Washington Post, and wall street journal and appears regularly on NBC Nightly News, ABC World News Tonight, CNN, and Fox. He's been a guest on several National Public Radio programs, including All Things Considered, Talk of the Nation, and the Diane Rehm Show. He is author, with Frederick M. Hess, of No Child Left Behind: A Primer. Previously Petrilli was an official in the U.S. Department of Education's Office of Innovation and Improvement and a vice president at K12.com. He started his career as a teacher at the Joy Outdoor Education Center in Clarksville, Ohio, and holds a Bachelor's degree in Honors Political Science from the University of Michigan. He lives with his wife Meghan and sons Nico and Leandro in Bethesda, Maryland.
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g: 0 Posted By: archena
Views: 30 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Share: 27 Ways to Boost Your Social Media Experience, Build Trust and Attract Followers [Kindle Edition] was $9.95Robert Anspach (Author)
http://www.amazon.com/dp/B00EEQL1R2Publication Date: May 31, 2013Publisher: Anspach Media10 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing#2 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job HuntingFinally a simple, easy to follow guide that shows you real life examples on how to improve your online communication to win over fans, friends and followers.
If you're about ready to call it quits, are totally frustrated with, and ready to throw your hands up in defeat over social media then this book is for you!
In this game changing book by Rob Anspach you'll discover...
Twenty seven common sense ways that will make posting to social media so much easier and profitable.
Simple tactics that will build trust with your fans and make cheerleaders out of your followers.
Real world examples that show how easy social media can be with the right formula in place.
Books & Magazines Deals
g: 7 Posted By: archena
Views: 1760 Replies: 5 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Pocket Guide to the Most Difficult Interview Questions [Kindle Edition] was $8.99Jeremy Waller (Author)http://www.amazon.com/dp/B0088P0T7SPublication Date: June 3, 2012Publisher: Five Feed Media 4 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting
Years ago, fresh from graduation, I went on my first big interview. I didn't really know what to expect, but I knew my area of expertise and I knew about myself so I figured that the interview wouldn't be much of a problem.Boy was I wrong!I was blindsided with questions like "What would you do if you found out the accounting department was cooking the books?" I didn't even know how to respond. "Uh, tell someone?"Needless to say, that wasn't a great answer.The interviewer also had pages of brainteaser questions that were straight out of left-field."Tell me what number comes next: 10, 9, 60, 90, 70, 66.?""What would you charge to wash all of the windows in Seattle?""How many quarters could you fit in this room?"I was dumbfounded.I later learned that it didn't even matter if I got the question correct or not. What mattered was how I answered the question.Do you know what to do when you face questions like these?The Pocket Guide to the Most Difficult Interview Questions takes you by the hand and guides you through every type of question that you'll likely face in an interview:Analytical Reasoning Interview Questions
Behavioral Interview Questions
Brainteaser Interview Questions
Leadership Interview Questions
Personality Interview Questions
Problem Solving Interview Questions
Sales Interview QuestionsDon't go to one more interview without being prepared!
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g: 0 Posted By: archena
Views: 184 Replies: 4 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Pocket Guide to the Most Difficult Interview Questions [Kindle Edition] was $8.99Jeremy Waller (Author)http://www.amazon.com/dp/B0088P0T7SPublication Date: June 3, 2012Publisher: Five Feed Media 4 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Guides#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job Hunting
Years ago, fresh from graduation, I went on my first big interview. I didn't really know what to expect, but I knew my area of expertise and I knew about myself so I figured that the interview wouldn't be much of a problem.Boy was I wrong!I was blindsided with questions like "What would you do if you found out the accounting department was cooking the books?" I didn't even know how to respond. "Uh, tell someone?"Needless to say, that wasn't a great answer.The interviewer also had pages of brainteaser questions that were straight out of left-field."Tell me what number comes next: 10, 9, 60, 90, 70, 66.?""What would you charge to wash all of the windows in Seattle?""How many quarters could you fit in this room?"I was dumbfounded.I later learned that it didn't even matter if I got the question correct or not. What mattered was how I answered the question.Do you know what to do when you face questions like these?The Pocket Guide to the Most Difficult Interview Questions takes you by the hand and guides you through every type of question that you'll likely face in an interview:Analytical Reasoning Interview Questions
Behavioral Interview Questions
Brainteaser Interview Questions
Leadership Interview Questions
Personality Interview Questions
Problem Solving Interview Questions
Sales Interview QuestionsDon't go to one more interview without being prepared!
Books & Magazines Deals
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Diverse Schools Dilemma: A Parent's Guide to Socioeconomically Mixed Public Schools [Kindle Edition] was $9.99Michael Petrilli (Author)
http://www.amazon.com/dp/B009F32Z2EPublication Date: September 21, 2012Publisher: Thomas B. Fordham Institute12 Reviews - ★★★★#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Education Policy & Reform#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > PolicyMany of today's parents yearn to live in or near the lively, culturally vibrant heart of the city--in diverse, walkable neighborhoods full of music and theater, accessible to museums and stores, awash in ethnic eateries, and radiating a true sense of community. This is a major shift from recent generations that saw middle class families trading urban centers for suburbs with lawns, malls, parks, and good schools. But good schools still matter. And standing in the way of many parents' urban aspirations is the question: Will the public schools in the city provide a strong education for my kids? To be sure, lots of parents favor sending their sons and daughters to diverse schools with children from a variety of racial and socioeconomic backgrounds. But can such schools successfully meet the educational needs of all those different kids? How do middle class children fare in these environments? Is there enough challenge and stimulation in schools that also struggle to help poor immigrant children reach basic standards? Is there too much focus on test scores? And why is it so hard to find diverse public schools with a progressive, child-centered approach to education? These quandaries and more are addressed in this groundbreaking book by Michael J. Petrilli, one of America's most trusted education experts and a father who himself is struggling with the Diverse Schools Dilemma.About the Author
Mike Petrilli is one of the nation's foremost education analysts. As executive vice president of the Thomas B. Fordham Institute, he oversees the organization's research projects and publications and contributes to the Flypaper blog and weekly Education Gadfly newsletter. He is also a research fellow at Stanford University's Hoover Institution and Executive Editor of Education Next, where he writes a regular column on technology and media, as well as feature-length articles. Petrilli has published opinion pieces in the New York Times, Washington Post, and wall street journal and appears regularly on NBC Nightly News, ABC World News Tonight, CNN, and Fox. He's been a guest on several National Public Radio programs, including All Things Considered, Talk of the Nation, and the Diane Rehm Show. He is author, with Frederick M. Hess, of No Child Left Behind: A Primer. Previously Petrilli was an official in the U.S. Department of Education's Office of Innovation and Improvement and a vice president at K12.com. He started his career as a teacher at the Joy Outdoor Education Center in Clarksville, Ohio, and holds a Bachelor's degree in Honors Political Science from the University of Michigan. He lives with his wife Meghan and sons Nico and Leandro in Bethesda, Maryland.
Employers that respect employees
Added on : Sunday August 11th 2013 04:00:11 AM
g: -1 Posted By: Solomon960
Views: 132 Replies: 4 While TDY in Texas, I spoke with a fellow soldier who mentioned something novel about an employer: Hannaford Bros Co, a grocer in the northeast, gives employees a $0.25 raise every six months. In theory, without being promoted and starting one's career at minimum wage ($7.25), one could double his/her earnings in 14.5 years simply by being a steady, dependable employee. Ironically, comparing Hannaford to a retailer I have worked at for 14.5 years, my earning ability has only increased less than $3 despite being promoted to middle management. Needless to say, inflation has taken quite a bite out of my take-home pay over that time. Even if I stayed another 14.5 years, I would never see a $14/hour wage - they just don't exist in my firm.Tales like Hannaford rewarding employees for be loyal and responsible give great credit to the realm of private employers. Until Hannaford, I had not heard of any semi-national employer being so kind to its workers.I am curious if other fatwalleters know of similar employers who understand the principle of "treating employees well leads to increased profits." If so, please share what your employer (or any employer) is doing to genuinely boost employee morale, ensure workers can pay their bills, and/or to allow employees to prepare for retirement.Thank you.
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Horrible Bosses Question
Added on : Friday August 09th 2013 11:00:05 AM
g: 0 Posted By: Table83
Views: 0 Replies: 0 A couple months ago I posted on my boss denying me tuition assistance.
http://www.fullofdeals.com/forums/finance/1268937/?start=40Basically my boss was denying me tuition assistance. Worth 5k a year. Last year I only took one class and couldn't afford more. This year am fully enrolled in an accounting masters program on loans.You advised me not to go to HR, but to look for a new job. I did so and expect an offer at a great company in a similar role early next week. You also advised me to start taking notes, which I have done. My boss is clearly doing illegal things and I have notes of her doing everything from threatening me with an action plan for simply disagreeing with her, to yelling at me, to the me relying on her word for tuition assistance and then denying me. Honestly I want to just leave and be done with this place, but my co-workers are suffering from her wrath too. She currently has 8 employees and has at least two on 90 day last chance agreement and another one on an action plan. (I expect that she would have put me on an action plan at the end of this month during my mid year review.)I don't want to take any action against her that could hurt my career down the road.What would you do?A) Let it go. I'm done with her and am glad!B) report it to HR on my exit interview?C) take legal action for the tuition assistance and bullying?D) file a complaint with some government agency? Which one?
I am honestly leaning towards A because that puts me in the safest situation, but if someone would have spoken up before I got in this position she would never have been allowed to stay in management. All advice is greatly appreciated.
About 40 Free Kindle Books - at time of posting
Added on : Friday August 09th 2013 07:00:06 AM
g: 3 Posted By: remick
Views: 93 Replies: 0 Cook With Ed: Amazing Pie & Crust Recipes [Kindle Edition]
http://www.amazon.com/Cook-With-Ed-Amazing-ebook/dp/B00AX7WBTSBest dessert cookbooks: How to make Delicious Turkish desserts (recipe books) [Kindle Edition]
http://www.amazon.com/best-dessert-cookbooks-Delicious-ebook/dp/...How to make Turkish Salad food for any occasion recipe books [Kindle Edition]
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Career Advice/Direction
Added on : Tuesday August 06th 2013 04:00:07 PM
g: 0 Posted By: thesearchable
Views: 5 Replies: 0 Hello FW, long time reader.I know a lot of consultants, hr managers, software engineers, etc post on this board, I was hoping you all could share your thoughts with me regarding my situation. ( only person in family to go to school, not many people in my network to really ask these sort of questions to.Quickly
24 Years Old (25 within the month). BS in Bus Admin from a top public school + few programming courses from another local university. Currently Employed as a a Bus. Analyst/SQA Engineer II. ( maybe the term 'Technical BA' would better fit what I do, anyway).Graduated at 21, took a job as a BA with a fortune 50 company - wasn't making anything special, just over 40k in a COL neutral area. After just under 2 years I was faced with a pay freeze/ movement freeze for up to the next 3 years, so I left. In this role I worked predominately in software process improvement. I left for a very interesting and exciting position as a BA for a hi-tech research subsidiary of a mega-corp. Been about 1.5 years, was promoted after 1 year to my current title. Currently make 70k in a COL neutral to slightly high area. Live very comfortably. 0 debt almost 100k networth. Currently I work within the software group, doing the usual requirement gathering a BA would. I am also heavily involved in the actual test automation (as low-level as writing unit tests in C# testing the actual code) and integration of the software..Unfortunately it appears that within the next 6 months our funding from our parent company will run dry.So my question for everyone isWhat direction should I take? I have 0 ties to any area and am willing to move anywhere. My entire work experience ( will be 3.5-4 years depending on when the hammer drops) has been within the process improvement software - SDLC type work.I am marginally concerned I will have trouble getting another role as a BA II when the bulk of my functional knowledge is completely in proprietary company software programs/algorithms ( comments on that?).I do believe my technical knowledge is far superior to the bulk of BA's out there ( which I do feel is a strong advantage). However, I do not think it would be strong enough to go to a straight development role, nor is that something I feel I really want to do.My main passion is Finance, I would love to work in high finance- with 0 finance experience and no connections is this unrealistic? Thinking something along the same lines SDLC within a hedgefund or Large Bank, Ideas?I have considered getting my MBA, however the idea of going back to school doesn't really excite me - id do it part time and most of the even better part time mba programs, grads are only looking at 80k salaries coming out. Since I have kind of swung and missed on building a career within one company in my first two jobs, I really would like to try and pick an industry with readily transferable skills going forward. Thinking along those lines I can think of something like software work in the healthcare or finance industry. Best Skills : BA work ( documentation, use cases, etc) Technical Skills, Great SQL, decent C#, decent VBA. I am very proud of where I have come from (basically complete poverty growing up) to doing very well at the age of 24. I am just at a bit of a loss as to where I should try and take my career. I know there are a ton of very successful people on this board and Id love to hear everyone's opinions on a possible direction.
Thanks
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g: 1 Posted By: archena
Views: 147 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.
Building Better Business Teams: Proven Strategies that Get the Best from Your People (Collection) [Kindle Edition] - was $86.99Ken Blanchard (Author), Colleen Barrett (Author), David Russo (Author), David Ross (Author), Richard Templar (Author) http://www.amazon.com/dp/B00968FRBYPublication Date: September 5, 2012Publisher: FT Press2 Reviews - ★★★★.5#3 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Systems & Planning#6 in Kindle Store > Kindle eBooks > Business & Investing > Reference > Office Skills A brand new collection of powerful insights into business team-building 4 pioneering books, now in a convenient e-format  4 remarkable eBooks help you create and inspire great teams to unprecedented levels of performance  Your success is crucially dependent on your ability to create, lead, and inspire teams to achieve extraordinary results. The comprehensive resources in this 4 eBook package will help you do precisely that. In Lead with LUV: A Different Way to Create Real Success, the legendary Ken Blanchard ("The One Minute Manager") and former Southwest Airlines CEO Colleen Barrett help you achieve breakthrough performance by leading with love. They explain what "love" really means in the organizational context, why leading with love is not "soft" management, how to handle inappropriate behavior, how to make "servant leadership" work, and how to sustain leadership with love. Next, in 17 Rules Successful Companies Use to Attract and Keep Top Talent: Why Engaged Employees Are Your Greatest Sustainable Advantage, David Russo top workforce optimization consultant David Russo identifies exactly what great organizations do differently when it comes to managing people. Russo distills these differences into actionable rules covering everything from resourcing and compensation to leadership development, risk-taking to change management. You'll learn how to build genuine esprit de corps in any environment, ensuring that your employees' efforts, minds, and hearts stay focused on your mission, and stay committed to results and competitive advantage. In Managing People and Performance: Fast Track to Success, David Ross reveals how to get the best possible performance out of every member of your team, whatever their personality or skill set. Using Ross's breakthrough tools, techniques, checklists, and guidance, you'll master indispensable skills for creating, developing, and managing high performance teams--and, at the same time, accelerating your own career development. Finally, in How to Get What You Want...Without Having to Ask, international best-selling author Richard Templar brings his inimitable blend of originality, imagination, wisdom, and Straight Talk to the challenges of negotiation, persuasion, and influence. The world-renowned author of best-sellers like The Rules of Life, Templar offers up 100 clever, simple, pain-free ways to get people throughout your organization to happily say "yes" to you, and smooth your team's path to success!  From world-renowned leaders and performance experts Ken Blanchard, Colleen Barrett, David Russo, David Ross, and Richard Templar
Collection consists of these 4 booksLead with LUV: A Different Way to Create Real Success http://www.amazon.com/dp/B004DNWSN243 Reviews - ★★★★.5How to Get What You Want...Without Having to Askhttp://www.amazon.com/dp/B005DKQQ2S29 Reviews - ★★★Managing People & Performance: Fast Track to Success (Accelerate Your Career)http://www.amazon.com/dp/B007NYJ36I23 Reviews - ★★★17 Rules Successful Companies Use to Attract and Keep Top Talent: Why Engaged Employees Are Your Greatest Sustainable Advantagehttp://www.amazon.com/dp/B0031O40L23 Reviews - ★★★★.5
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g: 0 Posted By: archena
Views: 112 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.LinkedIn Revealed: The Professional Network Your Career Can't Afford To Ignore & The 15 Steps For Optimizing Your LinkedIn Profile [Kindle Edition] was $9.99Jonathan Kidder (Author), Brian Patrick (Author) http://www.amazon.com/dp/B00DXA3GNWPublication Date: July 12, 2013Publisher: Grassroot Books5 Reviews - ★★★★.5
LinkedIn is the Professional Network Your Career Can't Afford to IgnoreHave you joined LinkedIn, yet your career has not benefitted?Are you looking to advance your career, but feel overwhelmed or lost in your search?In the time it takes you to read this sentence, at least 10 people have created a profile on LinkedIn. At a rate of 2 new members per second, this professional network is growing at a pace only matched by few other member-based websites.To succeed on LinkedIn, one must understand proper networking etiquette and the nuances that make this network more powerful than any other social network. Created explicitly for professionals, LinkedIn's features are incredibly empowering, allowing you to establish a robust network full of like-minded professionals that will help you achieve your career goals.Discover How to Build A Thriving Professional Network To Advance Your CareerThis book explains the exact steps and strategies for any professional to catapult their career.You Will Learn● All of the features, fundamentals, and expectations of becoming a LinkedIn member.
● How to properly set up a complete and optimized profile in 15 simple steps
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● The best networking strategies currently made available to you, and how to leverage each feature to achieve these strategies.Look for our "Pro-Tips" included throughout the book. These tips provide supplemental guidance and shortcuts that most users have never been exposed to. Reader Bonus: For those purchasing the Kindle Edition, you will receive all updated editions for FREE. With LinkedIn continuously updating their platform, we will be making sure our book is up-to-date as well, so join our mailing list to receive notice of when new editions are published.
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g: 0 Posted By: archena
Views: 29 Replies: 0 President Barack Obama: The Kindle Singles Interview (Kindle Single) [Kindle Edition] David Blum (Author)http://www.amazon.com/dp/B00E86ENEQPublication Date: July 31, 2013273 Reviews ★★★#1 in Kindle Store > Kindle Singles > Profiles#1 in Kindle Store > Kindle eBooks > Nonfiction > Politics & Social Sciences > Politics & Government > United States > Federal GovernmentFeatured at the Top of the Kindle Bookstore this is always to be FREE
http://www.amazon.com/Kindle-eBooks/b?node=154606011
In this Kindle Singles Interview, President Barack Obama decried the "change in culture" that has changed our view of the American Dream. "There was not that window into the lifestyles of the rich and famous," the President said. "Kids werent monitoring everyday what Kim Kardashian was wearing, or where Kanye West was going on vacation, and thinking that somehow that was the mark of success." He addressed the jobs issue from a personal perspective, reflecting on how his own life might have been different had he not experienced success in politics. "I could picture myself being a good teacher," the President mused. In the interview, which took place on July 30, 2013, at an Amazon facility in Chattanooga, Tennessee, Obama discussed the increasing need for government programs that can actually make a difference. Sticking close to his standard message, he spoke frankly about the increasing polarization of American politics since the Great Recession and Republican Party intransigence over his agenda. On a personal note, he reflected that he and First Lady Michelle Obama are constantly reminding their daughters of the slightly unreal environment that theyre in, as children of privilege in a world constrained by unemployment and recession.The interview was conducted by David Blum. Blum works for Amazon as the editor of Kindle Singles. He began his career as a staff reporter for The wall street journal, and has been the editor-in-chief of The Village Voice, the New York Press and 02138 Magazine. He was previously a writer and editor at The New York Times Magazine, and a contributing editor at New York and Esquire magazines. He has written two books: "Flash in the Pan: The Life and Death of an American Restaurant" (1992), and "Tick...Tick...Tick...: The Long Life & Turbulent Times of 60 Minutes" (2004). He received his B.A. degree in English literature at the University of Chicago.Cover design by Adil Dara Kim/Official White House Photo
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relative needs $8K for a certification program
Added on : Wednesday July 31st 2013 08:00:09 AM
g: 0 Posted By: rza1
Views: 60 Replies: 2 This relative has poor credit and is bad with money. She also has over 150k in student loan debt for BS + MS. Unfortunately, she wants to go through a certification program which she says will help her career. With bad credit, very high student loan debt, and other consumer debt, is it possible for this person to get a loan from a bank or somewhere? Since it can be considered educational costs, what are some options for someone in her situation?
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About 30 Free Kindle Books
Added on : Tuesday July 30th 2013 12:00:03 PM
g: 1 Posted By: remick
Views: 217 Replies: 0 Healthy Chinese Soup by Katharine Koe [Kindle Edition]
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http://www.amazon.com/dp/B00AY1BMC0Wheat Free Recipes: For Wheat Free Diets (Diet Recipes) [Kindle Edition
http://www.amazon.com/dp/B00C100CTGExtra Lettuce: Manage Your 401K Now to Avoid Flipping Burgers Later [Kindle Edition]
http://www.amazon.com/dp/B009STQ8E6Smart Spending Strategies (More for Less Guides) [Kindle Edition]
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http://www.amazon.com/dp/B00C8DF4E4Folly of the Marketing Plan in Your Head, 101 Compelling Reasons to Write One with K.I.S.S. List [Kindle Edition]
http://www.amazon.com/dp/B00DHKVJOGThe Ultimate Career Development Guide - Live the Life of your Dreams with Fun Career Guidance Tips (Career Guide, Career Change) [Kindle Edition
http://www.amazon.com/dp/B00CDPPEA6Increase e-Book Sales with Social Media Marketing [Kindle Edition]
http://www.amazon.com/dp/B00CXTNZOEPlug Your Book! Online Book Marketing for Authors [Kindle Edition
http://www.amazon.com/dp/B00E1QBOY0Neck & Shoulder Pain: Free Yourself of The Daily Burden of Pain in 5 Key Steps [Kindle Edition]
http://www.amazon.com/dp/B00E0KR1USWhat They Don't Tell You About Alzheimer's [Kindle Edition]
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http://www.amazon.com/dp/B00CKVTNFKHow Do I Get Over Depression: How to Stop Feeling Sorry for Yourself and Start Winning [Kindle Edition]
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Bankrupt, Renegotiate Rates, Shoot Myself
Added on : Friday July 26th 2013 05:00:05 PM
g: 1 Posted By: didyamissme
Views: 268 Replies: 6 Ok so the last one isn't an option....at least most days.I recently graduated college with dual degrees - unfortunately I did not have the finances to finish them. I had been working three jobs at once during my college career and built up a great credit score for my age. I had access to $40,000 worth of credit cards and used them to pay off my last 18 months of school.- They are eating me alive.I've gotten them to about $32,000 and have nothing left really to keep going. I have asked the cards for help with no avail. I even moved across the US for a higher paying job in an effort to be able to pay them down. I live in a $300 apartment AFTER utilities etc. I'm not sure what else to do. I already work NON stop. When I call the card companies they refuse to help as I am current. Should I throw in the towel and try bankruptcy and ruin my life - considering I work in business management? I'm looking any advice you have. I'm 24 and my degrees are a Bachelors in Business Administration and a Bachelor of Arts in Communication Studies. Thanks KindlyFinancials:
The current Transunion score is 644 as of today.
Annual Income is $26K Was at one point $38k. At my score height it was nearly 800. I just moved from NC to KY to an entirely new company with the hopes of fast track income increase. Interest rates on 12K worth of debt is 9% the rest vary from 12% to 20%. I currently have no other bills. The credit card bills are near $1,000 a month. I only make $1,600 a month now. The oldest accounts date back to 2008. While I have been current on all of my accounts my credit score has fallen dramatically due to the debt to income ratio and credit utilization.
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Free - John Carter and the Gods of Hollywood [Kindle Edition]
Added on : Tuesday July 23rd 2013 06:00:11 PM
g: 1 Posted By: remick
Views: 157 Replies: 1 http://www.amazon.com/John-Carter-Gods-Hollywood-ebook/dp/B00AFC...How did Disney's film become a calamity of historic proportions? Michael Sellers, a Hollywood filmmaker himself, saw the disaster approaching and fought to save the project - but without success. In John Carter and the Gods of Hollywood, Sellers details every blunder and betrayal that led to the doom of the motion picture - and that left countless Hollywood careers in the wreckage.JOHN CARTER AND THE GODS OF HOLLYWOOD examines every aspect of Andrew Stanton's adaptation and Disney's marketing campaign and seeks to answer the question: What went wrong? It includes a history of Hollywood's 100 year effort to bring the film to the screen, and examines the global fan movement spawned by the film.
-
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g: 1 Posted By: anonguy
Views: 115 Replies: 0 I think Andy Sidaris may have single handedly kept mom-and-pop video stores open in the late 80s, early '90s. Well, that and keeping former Playboy Playmates and Penthouse Pets fully employed. With Julie Strain, Dona Speir, Hope Marie Carlton, Sybil Danning and the occasional "star" like Erik Estrada and Pat Morita, the former ABC's Wide World of Sports director Sidaris made 12 flicks in his "Bullets, Bombs and Babes" style. Whether through an oft-rented VHS tape or a late-night showing on Cinemax, you were guaranteed explosions, secret agent plots and gratuitous topless hot tub and shower scenes.One interesting fact about Sidaris (well, besides his seven Emmys, 25 years at Wide World of Sports, Monday Night Football and the Olympics) is that he was the originator of the sports "honey shot." He was the sports director who pioneered the practice of having a cameraman zoom in on cheerleaders and hot girls in the stands, thereby inadvertently leading to future careers for the likes of Pamela Anderson and Katherine Webb (and keeping Brent Musburger interested during boring games).Anyway, $4.50 for 12 movies with free Prime shipping is a steal. Amazon link. The Dallas Connection
Starring Bruce Penhall, Mark Barriere, Julie Strain
(1994) Color Rated RDay of the Warrior
Starring Kevin Light, Cristian Letelier, Julie Strain
(1996) Color Rated R Do or Die
Starring Pat Morita, Erik Estrada, Dona Speir
(1991) Color Rated R Enemy Gold
Starring Bruce Penhall, Mark Barriere, Julie Strain
(1993) Color Rated R Fit to Kill
Starring Dona Speir, Roberta Vasquez, Bruce Penhall
(1993) Color Rated R Guns
Starring Erik Estrada, Dona Speir, Roberta Vasquez
(1990) Color Rated R Hard Hunted
Starring Dona Speir, Roberta Vasquez, Bruce Penhall
(1992) Color Rated R

Hard Ticket to Hawaii
Starring Ron Moss, Dona Speir, Hope Marie Carlton
(1987) Color Rated R Malibu Express
Starring Darby Hinton, Sybil Danning, Art Metrano
(1985) Color Rated R Picasso Trigger
Starring Steve Bond, Dona Speir, Hope Marie Carlton
(1988) Color Rated R Return to Savage Beach
Starring Julie Strain, Rodrigo Obregon, Julie K. Smith
(1998) Color Rated R Savage Beach
Starring Dona Speir, Hope Marie Carlton, John Aprea
(1989) Color Rated R
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Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
Free Kindle Novel: Flesh and Bone (Body Farm) Jefferson Bass
Added on : Saturday July 13th 2013 02:00:07 PM
http://www.amazon.com/Flesh-Bone-Body-Farm-ebook/dp/B000N0WTPG/r...2nd book in the series
★★★★ 68 reviewsBook DescriptionPublication Date: October 13, 2009 Anthropologist Dr. Bill Brockton founded Tennessee's world-famous Body Farma small piece of land where corpses are left to decay in order to gain important forensic information. Now, in the wake of a shocking crime in nearby Chattanooga, he's called upon by Jess Carterthe rising star of the state's medical examinersto help her unravel a murderous puzzle. But after re-creating the death scene at the Body Farm, Brockton discovers his career, reputation, and life are in dire jeopardy when a second, unexplained corpse appears in the grisly setting.Accused of a horrific crimetransformed overnight from a respected professor to a hated and feared pariahBill Brockton will need every ounce of his formidable forensic skills to escape the ingeniously woven net that's tightening around him . . . and to prove the seemingly impossible: his own innocence.
Spill: Secrets from a Former Agency Executive & Spokesblogger [Kindle Edition] was $8.49Jessica Smith (Author), Leah Segedie (Foreword)http://www.amazon.com/dp/B00AP63A06Publication Date: December 15, 2012Publisher: SMITH & MOXIE7 Reviews ★★★★★#19 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Home BasedThere are millions of bloggers but how many of them are making a good income from being a spokesblogger? In Spill, Jessica Smith, a former vice president at a global communications firm where she specialized in blogger relations and a former spokesblogger for big brands, shares her secrets only shared with her colleagues and blogging inner circle. Until now.
Learn practical ways to position yourself as a spokesblogger to brands, build valuable relationships with agencies, and stand out from the competition. Jessica also gives clear, concise advice on not sabotaging yourself, pricing and structuring your fees, and establishing valuable partnerships.
Subject matter experts new to the world of blogging will benefit as much as bloggers who want to breakout into paid spokesblogger contracts.About the Author
Jessica Smith enjoys more than a decade of marketing strategy, business development, and social media experience. She's worked with big brands, start-ups, and media titans to craft their digital marketing strategy, identify impactful influencers, develop active and engaged communities, and generate conversations both online and off. She has also served as a spokesblogger for Ford Motors and EA Sports Active and has written for media outlets, including Mashable and Lifetime TV's Lifetime Moms.
She is currently Vice President, Sales & Marketing at CampEasy.com, a search and discover platform for kids' camps.
She started connecting with people online in the late 1980′s when she started using Prodigy and in college in the mid-90′s she was learning and sharing with other college students on Greekpages.com. A graduate of the University of Maryland at College Park, Jessica started her career at Sapient Corporation.
Speed Writing Skills Training Course: Speedwriting for Faster Note Taking and Dictation, an Alternative to Shorthand to Help You Take Notes [Kindle Edition] was $9.99Heather Baker (Author), Margaret Greenhall (Editor) http://www.amazon.com/dp/B00BM99NC4Publication Date: February 22, 20137 Reviews ★★★★★#2 in Kindle Store > Kindle eBooks > Business & Investing > Skills > Communication
Speed Writing Skills Training Course: Speedwriting, a guide to faster note taking, an easy to learn alternative to shorthand Most people need a note taking system for work or study but few people have the time or inclination to spend a year or two learning shorthand. BakerWrite Speed Writing enables you to learn a new system in a matter of hours and become proficient within weeks. This book is laid out in 6 easy to follow lessons, that take about an hour each Practical guided exercises, with full answers, in each chapter and each session is rounded off with a dictation passage (available from http://www.UoLearn.com). Save time and become more efficient taking dictation, in meetings, on the telephone, in lectures or interviews. No strange squiggles to learn - just different ways to use the letters you already know Your notes will be easy to transcribe. Enhance your career with a new skill Save time by reducing your written text by an average of 33% - often more. Adapt the system to suit your needs. Free downloadable dictionary and workbook. A terrific opportunity to save time and change your working practices - for the better! What do people think of this speed writing system? "The principles are very easy to follow, and I am already using it to take notes." "BakerWrite is the easiest shorthand system I have come across. Having studied all the major shorthand systems and even other speed writing courses, I find BakerWrite a sheer delight." "I will use this system all the time." "Your system is so easy to learn and use." "I will recommend this course to everyone who takes notes." About the author - Heather Baker Heather studied Pitman shorthand at school and then at secretarial college in Salford, England where she also learned Pitman shorthand in French; she later learned Teeline shorthand and now regularly teaches these. BakerWriteTM is based on her experience with these systems and 22 years as a secretary and PA - taking notes daily. She has been training and coaching secretaries, PAs and administrators since 2000.About the Author
About the author - Heather Baker Heather had over twenty years' experience as a secretary and PA before setting up Baker Thompson Associates Limited in 2000. The company specializes in the training and development of secretarial and administrative staff, www.bakerthompsonassoc.co.uk. She now travels all over the UK working with large and small companies to enable their office staff and PAs to work more effectively and efficiently. She also delivers courses in the Middle and Far East. Heather is a Certified NLP Practitioner. She worked for ICI Pharmaceuticals (now AstraZeneca) and Hewlett Packard; she spent 5 years in France working for the Commercial Director of Cognac Hine and then 10 years with Granada Media working up to Personal Assistant to the Managing Director, commuting regularly between their offices in Manchester and London. She developed this speed writing system to fulfil a requirement by many companies for a quick and easy way for their employees to take notes. The course became very popular and she was often asked if there was a book with the basics of the system - so here it is! To contact Heather please visit the speedwriting section of the publishers' website, http://www.UoLearn.com/speedwriting/speedwriting.html
upgrade car for work
Added on : Tuesday July 09th 2013 05:00:08 AM
Being a good FWFer, I still drive a 2-door Honda civic that I have owned for over 10 years. If appearances were not important at my job, I'd drive my current car into the ground. But I'm a CPA and was recently promoted to manager at a public accounting firm. At my job appearances, especially with clients, do matter. All my co-workers (excluding administrative staff) drive much newer and nicer cars then me. I'm concerned that not having a nice 4-door car will prevent me from progressing in my career as quickly as I'd like. Right now I'm limited in my ability to take clients out to lunch and drive co-workers to events.My commute to work is 5 miles each way. Often, I bike to work, which I want to do more frequently. I average less than 10,000 miles per year in my current car. I have a garage space at home which cuts down on the weather damage when I'm not using my car. I'm not mechanically inclined so it does not make sense to get a car that requires a lot of maintenance.I'm thinking of either buying a lease-return car, a private party car, or possibly a new car. If I proceed, I'd pay cash.Am I crazy? Any suggestions on good cars that are reasonably priced, will look good enough to be useful to me for a long time, and don't need a lot of maintenance?
Beastie Boys-Licensed to Ill- CD + MP3 Album for $3.99 (Amazon)
Added on : Friday July 05th 2013 04:00:03 AM
Beastie Boys-Licensed to Ill- CD + MP3 Album for $3.99
This compact disc comes with Amazon's Auto-Rip feature which allows you to download the album even before you receive the disc! I have done this many times, It is really nice to have both a physical and digital copy of albumsI have this album in my truck, car and on my phone. It is an album that I listen to at least once a week. It is by far one one of my favorite albums of all time.http://www.amazon.com/Licensed-Ill-Beastie-Boys/dp/B0000024JNThe joke of Licensed to Ill's cover--that the Beasties could crash their jet into the side of a mountain and keep on tickin'--serves as a good metaphor for a career that even some of their 1986 admirers thought might be over after the one-time-only shock of this full-length debut. That thousands of funk-junkie wannabes have since failed at re-creating its groove, breaking-the-law vibe, and ear-splitting mix of rock and rap is an even better joke. And funniest of all is the record itself, which packs dexterous boasts, aural puns, and lots and lots of yelling into a disc that can still be listened to with as much pleasure as it gave in '86.
Amazon Coupons
I don't know what to make of my employer's "SIMPLE" IRA
Added on : Wednesday July 03rd 2013 10:00:04 PM
I work for a small business that I love, and am trying to make a career out of. Our office manager handles payroll and bank accounts, and is in charge of disseminating information on our retirement plan. Our employee handbook calls this plan a "Simple IRA" - note the lack of caps on Simple.We are instructed to open an IRA account, and get the account information to the office manager, who will handle contributions during payroll. My understanding, though, has these problems: since my employer isn't managing this IRA, is it truly a "SIMPLE" IRA? If not, since it is technically not a SIMPLE, does that mean that employer contributions will count against my personal yearly contribution cap? Or can any Joe open a Traditional IRA online, and have his employer contribute to it without counting against his cap?My bosses are my friends, which is great for me. However, since my bosses are actually the only other employees that are utilizing the plan, looking for advice on this is touchy - ours is a workplace that doesn't discuss compensation openly, and so it would be a little awkward for me to pose the question, "So, are you contributing your maximum $13000, and if so, are the added contributions by The Company causing you any over-contribution problem?" What I have learned is that my direct boss opened an IRA with a popular online stock trading company and personally manages his IRA there. I haven't had it in me to ask him how much he contributes, caps, and The Company's contribution.Already asking the office secretary questions about whether or not this is a SIMPLE IRA or a "Traditional IRA plus employer contributions" has gained me an awkward silence and a confused look.It would be nice, though, if my inexperience has me confused and I'm just over-thinking the differences between SIMPLE and Traditional. If I'm right, though, I'd like to be armed with a bit more information before I broach the topic again, and ask they speak with their CPA about it.
Death by China: Confronting the Dragon - A Global Call to Action [Kindle Edition] was $25.99Peter W. Navarro (Author), Greg Autry (Author)
http://www.amazon.com/dp/B004GXB41GPublication Date: May 5, 2011Publisher: Prentice Hall Professional119 Reviews ★★★★

This is the eBook version of the printed book.Bestselling author Peter Navarro (The Coming China Wars) and Greg Autry challenges the dominant paradigm of a "Chinese Miracle" - the one featuring a modernizing, progressive Chinese state heading toward political reform and driving global economic growth with its new found embrace of capitalism and freedom.
Tearing this delusion away, Death by China documents the myriad ways that a powerful, wealthy, and corrupt Chinese Communist Party emboldened by a growing nationalistic frenzy is becoming the biggest threat to global peace, prosperity, and health since Nazi Germany.
From currency manipulation and abusive trade policies, to slave labor and deadly consumer products, China's ruthless rulers threaten the livelihood of the citizens of every developed nation. These thugs have created a frightening amoral society ruled by a constant fear hidden to outsiders and bought off with the ill gotten profits of a myopic quest for economic advantage at any cost - social, environmental, or civil rights concerns be damned. Worse, as with everything else, China is scaling and exporting the model around this world, threatening their neighbors and exploiting developing nations across the globe with a new imperialism.
While America worries that Al Qaeda or Iran may get their hands on a weapon of mass destruction, China is using our Wal-Mart dollars to build them by the score; filling brand new nuclear submarines with missiles aimed at our heartland and building stealth planes designed to obliterate our friends in Japan, Korea, and Taiwan.
America's policy of appeasement and perpetual bending to Beijing's tacit threat to stop funding our unsustainable consumption based economy and deficit addicted government has left the Chinese people and the world in a frightening position while achieving absolutely nothing. With each new attempt at further "engagement" China simply rounds up more artists, writers, and political dissidents into its gulags and continues its policies of virtual genocide against the peoples of Tibet and the Uighars of East Turkestan. It tightens control over media and the Internet and expands its regional, territorial and resource claims. Laughing at our timidity, it becomes ever bolder in executing its plan to shutter every last manufacturing plant in the West.
Meanwhile, Western turncoat CEO's are content with pumping up one more quarterly report by driving every last high-value manufacturing jobs to Guangzhou or Chengdu. Congress is happy to be re-elected with contributions from those same corporations. Together they are happy to leave the rest of us with a future of low paying service and retail "careers" based on selling junk made in China to each other while accumulating a pile of Chinese debt and building a geopolitical time bomb of epic proportions.
For every American, European, Japanese or Korean reader who wonders where his job has gone and worries about the world his children will inherit, Death by China is a must read. The book features an inspiring Forward by Chinese Dissident, Baiqiao Tang and a brilliant Epilog by Congressman Dana Rohrabacher.About the Author
Peter Navarro is a business professor at the University of California Irvine and a CNBC contributor. He is the author of several path-breaking books including The Coming China Wars, The Well-Timed Strategy, and Always a Winner as well as the bestselling investment book If It's Raining in Brazil, Buy Starbucks.
Peter's articles on economics, business, and China have appeared in a wide range of publications, from Business Week, Los Angeles Times, New York Times, and wall street journal to Harvard Business Review, the Sloan Management Review, and the Journal of Business. He is a widely-sought after and gifted public speaker and appears frequently on Bloomberg TV and radio, CNN, CNBC, and NPR, as well as on allthree major network news shows.
Professor Navarro holds a Ph.D in economics from Harvard.
Greg Autry is an entrepreneur, writer, and educator. He has published extensively on business, economics, politics, space and China andassisted Professor Navarro in research and preparation for the revised edition of The Coming China Wars.
Greg holds a BA in history from Cal Poly Pomona and an MBA from the Merage School of Management at UC Irvine. As a lecturer, he's taught business strategy and macroeconomics at Merage where he is currently completing a Ph.D in the area of Economics and Policy. His dissertation is on the evolution of the private commercial space launch industry.
Learning to Live: Essays on Life and Leadership [Kindle Edition] was $8.99Tom Heuerman (Author), Heather Munro (Editor)http://www.amazon.com/dp/B00D2HIHDAPublication Date: May 28, 20132 Reviews ★★★★★

#5 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership#14 in Kindle Store > Kindle eBooks > Biographies & Memoirs > MemoirsHave you ever thought about starting over and creating the life you want?In 1994, Tom Heuerman did just that, when he traded a successful corporate career for an uncertain personal journey.In this collection of essays, Tom recounts his experiences as a Secret Service agent, a recovering addict, a powerful executive, a mid-life Ph.D. learner, a leadership consultant and as a human being in search of purpose, adventure, and authenticity.Youll learn from Toms hard-won (and sometimes painful) lessons in personal mastery, leadership, and organizational transformation. And youll share in his enthusiasm for new discoveries and affirming relationships.Through his engaging and inspirational stories, youll discover that we can turn losses into new beginnings. Youll see how we can recreate our lives and consciously evolve ourselves. And youll get insights into how you can renew hope and feel more alive and more engaged with life.
FREE Online Course on Financial & Valuation Modeling worth $199
Added on : Sunday June 23rd 2013 10:00:03 PM
https://www.udemy.com/financial-and-valuation-modeling/Received this in email today. This is huge, biggest till date from Udemy.com. The email says "As a token of appreciation to our OLD students, we give this course worth $199 for FREE. Please use coupon "TINTIN" and enjoy the course. For limited number of coupons, students looking for a career in Investment Banking, PE Firms, Hedge Funds etc. should only enroll. Please do not waste coupons". The deal is for limited period. So, take it for FREE asap.Coupon code: TINTINsd
Learning to Live: Essays on Life and Leadership [Kindle Edition] was $8.99Tom Heuerman (Author), Heather Munro (Editor)http://www.amazon.com/dp/B00D2HIHDAPublication Date: May 28, 20132 Reviews ★★★★★

#5 in Kindle Store > Kindle eBooks > Business & Investing > Management & Leadership > Leadership#14 in Kindle Store > Kindle eBooks > Biographies & Memoirs > MemoirsHave you ever thought about starting over and creating the life you want?In 1994, Tom Heuerman did just that, when he traded a successful corporate career for an uncertain personal journey.In this collection of essays, Tom recounts his experiences as a Secret Service agent, a recovering addict, a powerful executive, a mid-life Ph.D. learner, a leadership consultant and as a human being in search of purpose, adventure, and authenticity.Youll learn from Toms hard-won (and sometimes painful) lessons in personal mastery, leadership, and organizational transformation. And youll share in his enthusiasm for new discoveries and affirming relationships.Through his engaging and inspirational stories, youll discover that we can turn losses into new beginnings. Youll see how we can recreate our lives and consciously evolve ourselves. And youll get insights into how you can renew hope and feel more alive and more engaged with life.
Posting this as a throwaway since I've got details I'd rather not link to my main account.Here's my situation:
+ Got married a few years ago and my wife had an investment account from her parents with ~$100k saved up. It's in a S&P 500 index fund at the time.
+ I've got quite a few student loans, most of which were subsidized, fortunately, so not a lot of interest has built up on those yet--they're at 6.8%.
+ I've just started my working career at an entry-level salary (40-50k), and my job offers a 401k, but no matching.
+ We are renting a place and do not own a home, but we own both of our cars outright.
+ No credit card debt.
+ Really not much of an emergency fund or extra in savings.My question is this: we've got full access to the investment account funds--would we be better suited to use those for something else right now? We don't really have much room in our budget for contributing to a Roth, but I figured it might make a good amount of sense for us to transfer some of those funds to max out Roth accounts for us (my tax bracket should definitely be going up by the time I retire). Should we also transfer some into a money market account for an emergency fund, or should we try to set up an emergency fund by slowly saving up with a percentage of my income?Should I just hire a financial advisor who would better be able to look at our specific details?Thanks!
Engineer to Finance Career Change: NEED ADVICE!!
Added on : Saturday June 22nd 2013 07:00:04 AM
I have been working as an engineer for 3.5 years. I have a BS and MS in structural engineering from Georgia Tech. I really don't like engineering and think that a career in finance would better suit me. I think jobs would be easier to find, and my career would be more stable in finance. My question is how do I get a job in Finance??I have heard from alot of people that I should take the plunge and get an MBA. I am heavily considering that and that may be the route I take. Getting an MBA also raises a number of questions in itself. Should I focus on getting a MBA from the best school I can get into? Should I go full-time? Should I go part-time? Should I get an MBA online?

Financing an MBA is also a major concern. I am currently still paying for student loans for grad school. I have thought maybe the best option is to move back in with my parents while getting an MBA and try to find a part-time job. If I moved back in with my parents, I would have to get a MBA from whatever college is in the same city as they are. So the selection would not be that impressive. But I could also just do an online MBA if that would even be a good idea. Ultimately, what I want is to be able to be self-employed to some extent. Would a finance MBA give me that option? Is there any concentration of an MBA program that would give me the option of being self-employed? Or atleast give me the option to moonlight? My ideal finance career would be something on the side of portfolio management, market analysis, trading/investing, and the like. I have basic programming knowledge. I have used mainly Matlab and some python. I am interested in algorithmic trading and have actually created a number of trading algorithms in which I am currently backtesting and optimizing. I have partnered with a friend of mine that is better equipped at coding (he has a M. Comp. Sci.). We are currently working on our own trading platform in which we would implement the trading algo. So, I would love to be able to work on that full-time. But its not to that point yet. In getting an MBA, I hope that would be beneficial for my side venture. In summation, I need advice on the following:
Do I definitely need to get an MBA to be able to switch from engineering to finance?
Will an MBA give me some skills that would enable me to become self-employed or be able to moonlight?
Would having an MBA be beneficial for my side venture of algorithmic trading?I'm sorry if my post seems to be rambled and jumbled thoughts. I truely need some direction, and these decisions are not easy for me to make. I am trying to make the best decision and am hoping to get some good responses.Thank you for your time.
The Grave Gourmet by Alexander Campion
Ends 6/25
Genre Mysteries
From the Champs-lyses to the twinkling banks of la Seine, chic Parisian policewoman Capucine LeTellier plunges into a uniquely Parisian affair of gastronomic delights and bureaucratic intrigue to close a case that could make her career-or kill it
After dining on such delicacies as oyster sorbet and avocado souffl, Jean-Louis Delage, prsident of automotive giant Renault, has been found dead in the freezer of Le Diapason, a three-star restaurant owned by Chef Jean-Basille Labrousse, a renowned restaurateur extraordinaire.Capucine is uniquely suited to the case, as her husband Alexandre is a food critic well-connected to the culinary world. In between sharing sumptuous meals and fine wine with Alexandre at Paris finest eateries, Capucine struggles to win the respect of her new squad of detectives and crack both the case and the guarded secrets of the restaurant staff.Praise for Alexander Campions The Grave Gourmet
"Full of amusing characters Readers will want a second helping. -Publishers Weekly"A delicious mystery a fun book with a very different flavor. -Carolyn Haines, author of the Bones Mysteries"An astonishing debut that raises the bar on todays detective novel. -Aram Saroyan, author of Door to the River"Saucy, spicy, tastyooh-la-la! -Kate CollinsThe Victim by Jonas Saul
Ends 6/25
Genre Mysteries & Thrillers
Sarah is killed in a horrible car accident, the DNA found in the car verified as hers. But the government men at the Sophia Project have faked her death to keep her to themselves.After her funeral, she shows up in the food court of a busy mall where a violent exchange takes place. Things go wrong fast. The people protecting Sarah die within seconds from a mysterious drug. She runs, escaping the clutches of the police who want to figure out her connection to the murderers.A group of men called The Rapturites surface to take responsibility for the carnage. They want Sarah raptured as the end times are upon us.As the police hunt her, and the Rapturites get close, people she loves, old friends who have helped her in the past, start to die around her.Vivian, her sister, watches. Vivian listens.Sarah executes.In Sarah Roberts Book Five, Sarah is The Victim, and there's nothing she can do about it.Except she won't stay dead.Game, Set, Match (A Humorous Contemporary Romance) (Love Match) by Nana Malone
Ends 6/24
Genre Contemporary & Historical Romance
Sassy contemporary Romance. 99,000 words. This is the revised ebook editionOff the court, tennis star Jason Cartwright's playboy image is taking a public beating. On the court, he's down forty-love. A knee injury is shutting down his game, and the paparazzi are splashing his love life on every magazine. A comeback is in order, but the makeover he needs to save his faltering career is in the hands of the woman he loved and left fifteen years ago.While single-mom, Izzy Connors, sees people for who they really are through the lens of her camera, even without it, she knows Jason isn't the star he appears to be. Although his charm and good looks haven't dimmed since he broke her heart, all she sees is his wasted talent and playboy lifestyle.Can Izzy put the past behind her and help Jason get his game, and his image, back on track? Or will the click of her camera shatter his world as well as his heart?Summer of Firefly Memories by Joan Gable
Ends 6/21
Genre Women's Fiction
SUMMER OF FIREFLY MEMORIES - Book One in the Loon Lake Series
SUMMER OF DRAGONFLY CHANGES - Book Two in the Loon Lake Series - NOW AVAILABLE - May 2013One summer. One cabin on a lake. Four thirtysomething sisters. Anything can and does happen.One Amazon Reviewer PraisesIt brought back memories of summers past as well as memories of relationships. It was delightful. I recommend this book to others who enjoy contemporary fiction and enjoy the nostalgic feeling you get when the author is writing about your life.Overview:Imagine spending an entire summer in a cabin on a lake - simply because you can.Thats exactly what Samantha McGreggor, a thirtysomething eco-journalist, does in SUMMER OF FIREFLY MEMORIES. She trades Arizonas summer heat for Minnesotas cool lake breezes by spending her summer at the same resort her family used to go to when she was young.Her summer agenda - relaxation, beach reads, soul-searching, bonding with her three grown sisters.Her concerns - she and her sisters havent been back to the resort since their parents death twenty years ago when they were all practically teenagers, and, well, they tend to act like emotional teenagers when theyre all together.Her summer reality fun in the sun, secrets, sibling rivalries, lost memories, new love, hope.What readers are saying about SUMMER OF FIREFLY MEMORIES...One Step Too Far by Tina Seskis
Ends 6/21
Genre Literary Fiction
An apparently happy marriage. A beautiful son. A lovely home. So what makes identical twin Emily Coleman get up one morning and walk right out of her life? How will she survive? And what is the date that looms, threatening to force her to confront her past? No-one has ever guessed her secret. Will you?"A gripping thriller that will delight fans of the unexpected twist ending." Grazia"I couldn't put it down! An intricate, tightly plotted story, engagingly told." Helen Castor, author of She-Wolves, Sunday Times Books of the YearAn evocative, skillful novel about the price of escape. Recommended. Kirkus ReviewsIts compelling, gripping, frightening, embarrassing, deeply sad and lovely all at once. Just read it. You wont be sorry. I loved this book. myzennana.comWOW! This one is a winner! While the plot might seem like a movie-of-the-week, the gorgeous writing elevates it to fine contemporary literature... I am praying someone options it for the big screen. Suzanne Rogers, South Carolina, USZombie Games: Origins by Kristen Middleton
Ends ???
Genre Horror
Seventeen year old Cassandra Wild thought living in the chaos of her mothers home daycare and dealing with her developing feelings for Bryce, her new Martial Arts instructor, was a struggle, until the night her world turned upside down.When an untested vaccine kills more than just a rampant flu virus, Cassie learns how to survive in a world where the dead walk and the livingrun!Surrendered Hearts by Carrie Turansky
Ends ???
Genre Religious
Winner of the International Digital Award, Inspirational Novel CategoryA gas pipeline explosion and fire destroy Jennifer Evan's apartment and change her life forever. Not only does she lose her home and beloved dog, the ugly scars that cover her arm, neck and shoulder steal her confidence and cause her fianc to desert her. With her funds depleted and her job on hold, she heads for Vermont where she hopes to reconnect with her brother and find a way to rebuild her shattered life.Bill Morgan, head naturalist at the Wild River Nature Center and her brother's roommate, is a strong quiet man whose faith runs deep. He and Jenn's brother determine to help Jenn make a new start in Vermont. Bill's stumbling attempts to share his faith with Jenn seem to fall flat and push her farther away, but she can see the difference his faith makes in his life, and her heart is still drawn to him. Will she hold on to the pain of her past, or will she surrender her heart and finally find the faith and love she longs for?Endorsement:
Fire stole Jenns career, possessions, beloved dog, the affections of a fianc who couldnt see past her scars, and any remnant of faith she possessed. But struggling through her fears leads Jenn to an amazing God who cherishes her just as she is, and to embrace a love and life she could not have imagined. Surrendered Hearts is one more example of Turanskys ability to draw a readers heart toward its Heavenly home, filling it with determination, hope, and romance for the journey.Cathy Gohlke, Christy award-winning author of William Henry is a Fine Name, I Have Seen Him in the Watchfires, and No Greater Love.Powder Burn by Mark Chisnell
Ends 6/22
Genre Action & Adventure
If Dragon Tattoos Mikael Blomkvist and the Hunger Games Katniss Everdeen could have a love-child, shed probably be a lot like Sam Blackett...Sam had given up her Manhattan job, and her cute apartment in Brooklyn. Shed abandoned her astonished boyfriend to the charms of ESPN.com, and flown off into a new dawn to chase her dream of becoming an investigative journalist.Three months later, alone in a soulless internet caf, shes facing some cold, hard facts; shes unpublished, unhappy and broke. And right then, the gorgeous Pete Halland blows into her life headed for the mythical Powder Burn mountain to write history and blast into legend.If she throws in her lot with Pete and reports the story for National Geographic magazine it could rescue her ambitions, but hes holding back some Crucial information the question for Sam is... what?Soon, Sam is up to her neck in snow and the weather is the least of her problems; lost in a secretive Himalayan kingdom with what could be a magic sword and a simmering and potentially bloody revolution.But the father she lost to the war in Iraq was a marine, and he taught her a few tricks in the Vermont backcountry that might just get her out alive and with a story to tell that could make the front page of the New York Times.The Wrecking Crew by Mark Chisnell
Ends ???
Genre Action & Adventure
Janac's back... and there will be games - so what will you do when it's them... or the woman you love?Psychotic GamesDrug baron Janac has unleashed a reign of terror in the South China Sea to fund his battle for control of the Australian narcotics trade. When he attacks an old cargo ship on an evil night off the Indonesian coast, it seems he has also found the perfect victims to exploit with his psychotic games.Last VoyagePhil Hamnet and his wife Anna are sharing a last voyage before the arrival of their twins. Hamnet escapes Janac's attack, but Anna is taken and held hostage to ensure first his silence, and then his cooperation. But when Janac's rogue ex-Special Forces crew attack more ships and men start dying, Hamnet has to decide if he can continue to sacrifice the lives of unknown sailors to save the woman he loves.
Do you like the NAME of your company?
Added on : Thursday June 20th 2013 04:00:07 PM
OK, so here's the deal. I work for a Big Four company in advisory. I think we're all rational here and no one here thinks that's anything special. Salary is nothing special, the work is nothing special, the work life is nothing to brag about, and while you are surrounded by generally above average people, there's really nothing that great. Except one thing.In the IRRATIONAL real world, if you tell someone (say on a first date) you're a manager, they get all googly eyed. It's almost the same effect as if my Camry turned into a BMW 5 Series. Even if they should be smarter than that, for example, say on a first date, your date works in audit in the Big Four... You tell them you're in advisory and again they get all googly eyed even though realistically, you probably make at most 10% more than your audit counterpart. In fact, the funny thing is, if you told them you worked at McKinsey or Bain or Carslyle or Blackstone, they probably would give you a blank stare!Now the rational part... How much does this NAME also mean on your resume and what is its value to a career?The reason I ask is my sibling has an offer out of college at one of the Big Four and another offer at a manufacturing company that you'd probably never heard of without Google offering 10k more.What do you think?
How did you achieve a six figure salary?
Added on : Thursday June 20th 2013 08:00:15 AM
I've enjoyed reading the archived employment discussion thread and I'm curious how people have achieved a six figure salary. I'm in the camp that prefers to increase salary over increasing savings.

Do you run your own business or work "for the man"? Do you have multiple jobs or streams of income? What sort of education did you have to get? Is your high salary negated by being located in a high cost of living area or large student loan debt or working every waking hour? Was it just hard work climbing the corporate ladder?How old are you? Was there anything significant in your career that you feel has allowed you the ability to hit six figures? Or was it just dumb luck?
Myself, I'm in my mid 30s working as the Director of IT for a large nonprofit in Ohio. Didn't finish my college degree but worked in IT since college, working my way up from Help Desk. I'm currently attempting to finish my degree (online distance learning) and my salary is in the mid $80k range. I'm just trying to figure out how I might break into the six figure salary club and from the job postings I've seen I think at least my BS will help, but I often see MBA preferred listings. I'm not sure I'll go that route since the FWF consensus seems to be that the networking aspect of an MBA program is more important than the MBA itself and more than likely I'd lean toward an online MBA program (two kids and full time job make online more attractive). Anyone care to weigh in with their thoughts and opinions?
profile:Late 20's
BA from University 4 year college in Business Economics
Working as wealth management at a bank.Does having an accounting certificate help land a job in accounting? Im not talking about the big four or anything like that but if I decided for a career change, I always wondered if those accounting degrees that some universities offer do anything.Usually the UC extension schools here in CA have an accounting certificate that seems pretty cheap.
THis is good for someone who doesnt want to completely go the MBA route.
Would I qualify for a mortgage if I am under 2 years at my job?
Added on : Thursday June 13th 2013 05:00:09 PM
26, second job out of college. I was making roughly $40,000 ever since April 2011. Switched jobs to align with long term career goals in Feb 2012. Been there since and I was recently promoted.
- $53,000 current salary (recently promoted)
- 680 credit score
- $19,000 student loans ($240 a month)
- Credit score was 680 last time I checked
- 2008 model car paid off (90,000 miles)
- Looking to buy in the $130,000 rangePaid off the car. Paid off $3000 or so of credit card debt I carried throughout college. I am putting 10.5% of salary into my 401k including employer match. Been saving up and I am getting close to the point where I am ready to buy. Feel like I am in a good financial situation to pull the trigger.
My question is, do I need to worry about qualifying for a mortgage? I have heard something about needing to be in my job for 2 years before being able to get one?
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Added on : Thursday June 06th 2013 12:00:06 AM
Watch The Internship Online : There are a lot of good comic possibilities lurking in Shawn Levys new movie, The Internship, but most of them never quite or Broken Up, The Hangover, and different industry-changing strikes. Returning to force the genre's limitations is Vince Vaughn, UN organization can preliminary co-star within the Watch, on the internet complete film FREE and one factor informs ME that sci-fi/comedy's box-office performance can impact the overall tone of Vaughn's gathering with Owen Wilson. [L=Download The Internship Movie]http://theinternships.over-blog.com/][/L]: At the start of the movie, Billy (Vaughn) and Nick (Wilson) lose their jobs selling watches when their boss (John Goodman) arch engines, where they must contest with a number of younger, tech-savvy prodigies for a taken at career.Eight decades ago (yikes), Marriage Crashers created R-rated funny bankable and introduced the way for Broken Up, The Hangover, and other industry-changing strikes. I can see this message interesting promotion professionals, but I'm a bit uncertain who the potential viewers is here. As The Hangover Aspect III lately shown, viewers seem to be a bit disinterested in this year's funny promotions thus far, too.Watch The Internship Movie : Those of us who are a bit intimidated by new technology will be tickled by the premise, but the movie might have drawn a his new film trailer does not do much to modify that viewpoint. Owen Wilson and Vince Vaughn are an amazing group in WEDDING CRASHES, so having them get in touch for this maintains objectives that they will provide a smutty, very funny follow-up. But, for some purpose this seems almost like something Adam Sandler would appear in. I wish when the film is lastly launched, I am confirmed incorrect. Download The Internship : Predictability is not the only problem with the script, which was written by Vaughn and Jared Stern. The two stars present ing to confirm they are not outdated, they repel the possibilities by discussing their way into a popular internship at Search engines, along with a battalion of amazing scholars. But, getting entry to this paradise is only 50 percent the fight. Now they must contest with a number of the country's most top level, tech-savvy prodigies to confirm that requirement really is the mom of re-invention.
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Free Kindle Book today: The Captain: The Journey of Derek Jeter
Added on : Saturday June 01st 2013 04:00:03 AM
The book is from May 2011, but if you are a Yankee fan or have a little leaguer in your family it's a great read.
And the Kindle version is currently freehttp://www.amazon.com/Captain-Journey-Derek-Jeter-ebook/dp/B004X...Every spring, Little Leaguers across the country mimic his stance and squabble over the right to wear his number, 2, the next number to be retired by the worlds most famous ball team. Derek Jeter is their hero. He walks in the footsteps of Ruth, Gehrig, DiMaggio, and Mantle, and someday his shadow will loom just as large. Yet he has never been the best player in baseball. In fact, he hasnt always been the best player on his team. But his intangible grace and Jordanesque ability to play big in the biggest of postseason moments make him the face of the modern Yankee dynasty, and of Americas game.In The Captain, best-selling author Ian OConnor draws on extensive reporting and unique access to Jeter that has spanned some fifteen years to reveal how a biracial kid from Michigan became New Yorks most beloved sports figure and the enduring symbol of the steroid-free athlete. OConnor takes us behind the scenes of a legendary baseball life and career, from Jeters early struggles in the minor leagues, when homesickness and errors in the field threatened a stillborn career, to his heady days as a Yankee superstar and prince of the city who squired some of the worlds most beautiful women, to his tense battles with former best friend A-Rod. We also witness Jeter struggling to come to terms with his declining skills and the declining favor of the only organization he ever wanted to play for, leading to a contentious contract negotiation with the Yankees that left people wondering if Jeter might end his career in a uniform without pinstripes.Derek Jeters march toward the Hall of Fame has been dignified and certain, but behind that leadership and heros grace there are hidden struggles and complexities that have never been explored, until now. As Jeter closes in on 3,000 hits, a number no Yankee has ever touched, The Captain offers an incisive, exhilarating, and revealing new look at one of the games greatest players in the gloaming of his career.
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I have a career which I have no intentions of leaving. Typical office job. Living in my parents basement making 50k. My friend is 24. He has a solid weekend gig which pulls in $250-300 every week for about 10 hours of work. He is doing construction/home improvements otherwise, which are generally good in the spring/summer, sparse otherwise. He is attempting to build his own business. He generally brings friends onto his jobs for help when needed. I have worked with him a good amount. He knows what he is doing and owns most of the tools/equipment necessary. His parents divorced and both moved out of state when he was 18, so he has been on his own since then and has no way to get a big chunk of change and get the business started in a legitimate fashion. We are close friends. He wants to take his business to the next level. I am thinking of proposing some kind of partnership. I would be available by 3:30 PM and on weekends. My proposal would be to throw up $15,000 or so at start to buy a truck, form an LLC, get licensed and bonded, start a website, get in the yellow pages, advertising, etcWhat kind of a stake would be fair in this scenario? 25%?
Google Play FREE Song of the Day 5/29 - Best I Ever Had by DRAKE
Added on : Wednesday May 29th 2013 04:00:10 AM
Drake had a number of hits before this laundry list of his romantic amazingness launched him to the top of the crossover pop charts, where he's stayed ever since. Not bad for a Canadian who started his career starring on Degrassi: The Next Generation. Nick Dedina, Google Play Link to the album below - track #3https://play.google.com/store/music/album?id=Bl2bwaej53av3jludv2...
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This sort of an attitude to just "get by". That trying to get ahead economically is too difficult or somehow not worth it. Not striving for more. Ok with being co-dependent on roommates/parents for survival. I am 26 and its about 3 of that type to every 2 with a career. And I live in a major metro area with a good amount of job opportunities. People need to wake up already. The gravy train cant last forever. Gotta grow up at some point.
Ultimate Leadership: Winning Execution Strategies for Your Situation [Kindle Edition] - was $29.99Russell E. Palmer (Author)http://www.amazon.com/dp/B0051TW0QCPublication Date: January 17, 200824 Reviews ★★★★.5

To succeed, leaders must understand and apply the core principles of leadership--but thats not enough. You need to shape your approach for any unique situation. Too many leaders dont know how to do that--and thats why they fail. Ultimate Leadership shows how to adapt the principles of leadership to different challenges, contexts, and organizations.

Russell E. Palmer--who has had three very different, highly successful careers as head of one of the worlds largest accounting firms, Dean of the Wharton School, and an entrepreneur--helps you identify the leadership model most appropriate for your environment, and how to lead accordingly. Youll learn better ways to lead your equals, help an organization weather crises, transform its culture, lead entrepreneurial organizations, lead global organizations...even lead non-profit and academic institutions.

Then, drawing on interviews with an extraordinary spectrum of outstanding leaders, Palmer helps you master the attribute every leader must have: the ability to inspire your unique organization, even in the face of the most daunting challenges.
Achieving empowerment, even in classic "top-down" organizations
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Mastering the art of rapid, focused, hands-on execution for organizations in crisis
Leading cultural change that sticks
Reconnecting structures, processes, and strategies with the new realities you face
Learning from the Wharton experience
Succeeding in an environment with widely diverse, highly influential stakeholdersAbout the Author
Russell E. Palmer is the owner and Chairman and Chief Executive Officer of The Palmer Group, a corporate investment firm located in Philadelphia, Pennsylvania. Before founding his own firm, he served as Dean of the Wharton School for seven years and prior to that he served for ten years as Managing Partner and CEO of Touche Ross & Co. (now Deloitte & Touche), an accounting and consulting firm. He became CEO of Touche Ross at age 37, the youngest person ever to attain that position in what is now the Big Four accounting firms.

After 27 years in the accounting and consulting profession, Mr. Palmer became Dean of the Wharton School. As the tenth Dean, and the first to come from the private sector, he shared his management experience with MBA students in a leadership course that he developed. He was instrumental in attracting more than 100 new faculty members to the School, building a new executive education program and complex and raising more than $125 million for the School. When he retired, the school was consistently ranked number one in undergraduate business education and in the top three MBA graduate programs.

In his current career with The Palmer Group, he has acquired more than thirty companies with the majority being in the educational field. All of these acquisitions have been successful investments, with the latest divestiture being a proprietary school group that was sold for $120 million.

Active in the outside business community, Mr. Palmer has served on 12 New York Stock Exchange boards, including Honeywell International, Inc., Verizon Communications, Inc., The May Department Stores Company, The Goodyear Tire & Rubber Company, and Bethlehem Steel Corporation. He is a Trustee Emeritus of the University of Pennsylvania, a Trustee of the National Constitution Center, and a Member of the Smithsonian National Board.

Mr. Palmer graduated with a Bachelor of Arts degree, cum laude, from Michigan State University, and has received several honorary degrees. He has written and lectured extensively. His articles and essays have appeared in Business Week, the New York Times, the Journal of Accountancy, and other publications.
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Graduate Education in Real Estate
Added on : Saturday May 11th 2013 10:00:09 AM
Hello FW members, I would like to solicit your opinions on the value of pursuing further education in the field of real estate/banking. From what I can tell, it seems that most in this field advance through the use of their connections, however, as my employer offers a very generous tuition reimbursement program, I would like to take advantage of it and further my education. One of the few requirements is that the company must see it as a degree that would benefit the company (so dance and art degrees for instance, would be out...while degrees in business would be acceptable). I currently work at a bank as a mortgage underwriter and received my BA in Econ 3 years ago. The problem: I have had difficulty finding a graduate degree program that would directly correlate with what I am doing. UCLA's 36-unit certificate program in Credit Analysis is the closest match I could find, and though the unit requirement exceeds some other Master's degree programs (e.g. prerequisites aside, Masters in Accounting / Taxation programs seem to require only 30 units of coursework for the Master's degree), certificate programs in general don't seem to carry much weight. That said, I've toyed with the idea of MRED programs (Masters in Real Estate Development)...while it is in Real Estate however, it doesn't quite line up with what I'm currently doing. Additionally, while knowledge of accounting and taxation could be argued as useful in general for those looking to further their career in business, I'm not quite sure I could convince my employer to cover the expenses for a Master's in Accounting / Taxation. I've also toyed with the idea of an MBA, however, with my limited work experience (2-3 years), I'm not sure I'm quite ready for that. I would also be shooting for a relatively top-tier MBA program, and as the cost for those seems to be more often than not quite high, I doubt my employer would be willing to pay $50k+ in tuition for a "lowly underwriter" (as opposed to a manager or a VP applying for similarly ranked/priced MBA programs). I'd like to omit discussions about Big 4 talk and transition into a career into Accounting/Taxation for this thread please. That said, input and opinions on what degree you believe would be useful in advancing my career in this field would be much appreciated, thank you FW members.
SFbayarea: From a housing and career point of view
Added on : Friday May 10th 2013 06:01:38 AM
Does living in a high COL location( Sf bay area) have its benefits (career wise) ? Do people living there end up saving a lot of money ( monthly)? Do you guys think living in a High COL pretty much eliminates the chance of retiring early due to high mortgage payments...
Free Face to Face Interview [Kindle Edition]
Added on : Thursday May 02nd 2013 04:01:00 AM
A successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position. Different types of face to face interview
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Make your lasting first impression
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Post interview follow-upThis book will also show you how you can improve your story telling skill, avoid common job interview mistakes, answer salary related questions and to close the interview properly.http://www.amazon.com/dp/B0081R40M8
Free Face to Face Interview [Kindle Edition]
Added on : Thursday May 02nd 2013 03:00:05 AM
A successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position. Different types of face to face interview
Top 10 interview questions
Basic etiquette such as dressing for your interview
Discussing your qualifications and achievements
Body language and buzz words
Make your lasting first impression
Ways to get rid of interview jitters
List of things that you need to carry while attending interview
Answering salary related questions
Post interview follow-upThis book will also show you how you can improve your story telling skill, avoid common job interview mistakes, answer salary related questions and to close the interview properly.http://www.amazon.com/dp/B0081R40M8
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Berkeley Dropout Returning - Need Advice on Career Path
Added on : Tuesday April 30th 2013 09:01:19 PM
I am a former student of CAL who was placed on academic probation and dismissed several years ago. In a nutshell, I pursued poker/gambling/interning heavily to the detriment of my GPA and education. It never panned out and now I am currently a corporation player for table games. 36k/year not too much more room for growth. Probably 50-60k most in a few years. Winning prop poker players make more. After much time off, I fulfilled all the requirements to return to CAL this Fall and want some guidance as to how to proceed thinking about my career.I was an intended political science major. Finished all major requirements short two courses. I have a foreign language requirement remaining - plan to take Chinese. I just need to take two full semesters worth of coursework to fulfill my unit requirement and graduateWhat are my best options right now?1. Go heavy on extra political science courses?
2. Pursue a minor in philosophy which I have some credit for already?
3. Start all over and complete a computer science degree if the college lets me?
4. Retake courses to up my GPA so I can pursue graduate school?
5. Something else? More useful courses for a career?I have a 4.0 GPA this year at a community college - yes it doesn't mean too much given the lower workload and standards. I'll do my best to do the same at CAL - hopefully that will look good for a prospective employer. But how do I explain away my past? The fact that I rebounded and returned is a personal accomplishment for me, and may be admirable to an employer but isn't exactly squeaky clean.
Power Verbs for Job Seekers: Hundreds of Verbs and Phrases to Bring Your Resumes, Cover Letters, and Job Interviews to Life [Kindle Edition] - was $22.99Michael Lawrence Faulkner (Author), Michelle Faulkner-Lunsford (Author) http://www.amazon.com/dp/B00BHEY5E0Publication Date: February 19, 20134 Reviews ★★★★
Electrify all your job search communications and build the great career you want!  The right verbs make you unforgettable powerfully demonstrate your value attract employers like moths to flame  Grab the right verb and use it the right way to:Craft outstanding rsums, cover letters, and thank-you notesDraw attention to your best achievements and accomplishmentsGet your face-to-face interviewand ace itPitch yourself brilliantly, even if you only have a minuteWeave Crucial soft skills expertise into your career communicationsProve youre the person theyre looking for  Jam-packed with examples drawing on thousands of years of storytelling, literature, and experienceIndispensable for everyone who wants a rewarding, successful, well-paid career!About the AuthorDr. Michael Lawrence Faulkner is Professor at the Keller Graduate School of Management, DeVry University. He first learned leadership, management, and communication as a U.S. Marine Corps combat NCO, drill instructor, and classroom instructor. He then spent 30 years leading and coaching at Dun & Bradstreet, the Direct Marketing Association (DMA), entrepreneur startups, and his own family business. Michelle Faulkner-Lunsford, an experienced marketing manager, is a graduate of Middle Tennessee State University.
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Forever associated with John Cusack holding a boombox over his head, "In Your Eyes" was a rare example of Peter Gabriel losing his usual downbeat English reserve and aiming for the romantic rafters. This may explain why the single, only released in America, became the biggest hit of his career and helped introduce African superstar Youssou N'Dour to the rest of the globe. Nick Dedina, Google Play
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How can you protect your assets in case of injury without insurance?
Added on : Thursday April 25th 2013 12:01:38 PM
Is there anything that can be done to protect a persons assets in case they were to need medical attention, and not have adequate insurance?For example...I've been a hardworking person all my life. Most of the time though I don't have health insurance. Just haven't been able to find a good solid non-temp job/career that offers it. I also never made very much money in my life. Because of very frugal living though (never had cable ever, don't go to restaurants, only taken one vacation in my entire life and it was a cheap one under $500), I've been able to build up a net worth of around $100k. About $55k is equity in my house. $30k is from an inheritance which is in the stock market as the beginning of what will hopefully be a retirement fund. $5k is in a cash emergency fund, since I often earn less than my general bills. And the remaining $10k is the value of my car.However I am absolutely terrified that I will loose everything that has taken my whole life to achieve, in the inevitable event that I eventually will need medical attention for something. The medical system is so screwed up here, that it would be very easy to rack up a $100k+ bill after just one accident, one needed surgery, or one health problem.The costs of purchasing health insurance yourself are ridiculously prohibitive as well. If I were to actually purchase health insurance, I'd just deplete whatever money I have in very short order. Many years my earnings are in the negative compared to general bills, other times they break even, occasionally they are a little up, but even in an up year, if I were to purchase insurance, it is so expensive, I'd go in the negative. Its a loose-loose situation though, because if I don't, I'm afraid of getting hurt, racking up a bill higher than my whole net worth in short order, and next thing I know, my house is liened, bank account drained, stock portfolio garnished to zero, car taken away, etc. Just feels like I'll loose everything buying health insurance since I can't afford it, but I'll inevitably loose everything not having it since accidents or health problems are inevitable. Is there anything I can do to protect or shelter what I have? Since if I were to loose everything, I'd never have enough time in life left to get it back.Any advice?
The Truth About Getting the Best from People (2nd Edition) [Kindle Edition] - was $22.99Martha I. Finney (Author) http://www.amazon.com/dp/B00AU3JPDAPublication Date: December 7, 201218 Reviews ★★★★
In the Second Edition of the successful book, The Truth About Getting the Best From People, Martha Finney shares over 60 proven principles for achieving employee engagement one-hundred percent of the time. This new edition features more than 15 new truths including: managing virtual teams, building persuasive skills, tuning into your own unconscious biases, managing multiple generations, and identifying and cultivating individual high performers.
About the Author
Martha Finney is the creator of the Career Landscapes teambuilding workshop, and a management consultant specializing in helping companies identify and build passion-driven workplace cultures. She is also the author or coauthor of 18 books, including HR from the Heart: Inspiring Stories and Strategies for Building the People Side of Great Business, with Libby Sartain, former CHRO of Yahoo! and Southwest Airlines. Her clients and interviewees include executives from Intuit, the Central Intelligence Agency, Avery Dennison, The Gap, Inc., Starwood Hotels and Resorts, Caterpillar, Kenexa, and H-P.Marthas work has been featured in major newspapers, including the New York Times, wall street journal, and San Jose Mercury News, as well as in Time magazine and on CNN and NPRs Morning Edition. She is based in Santa Fe, New Mexico.
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48 Hrs. - DVD for $2.99 + free shipping
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In your opinion, for a high school senior who's choosing a career path, which of the following requires the 1st most, the 2nd most, and the 3rd most:1. Training or education
2. Luck or abnormally high IQ
3. Overall likelihood of getting richA doctor, lawyer, investment banker, or something else (real estate, investing well, being thrifty, etc.)? Feel free to discuss specific specialties or practice areas in your response. Background: A bunch of us have been debating this lately, so I want to know what you think. Career counselor isn't helpful. Student has an A average and is a high school senior. He's well-rounded and kind of likes all school subjects equally.
Wallace & Gromit Cracking Alarm Clock - A Marble Powered Wake-Up Call for $14.99$2.99 shipping
$25 on Amazonhttp://thatdailydeal.comPossibly the most eccentric alarm clock ever invented! A series of gravity fed ball bearings set off wind chimes, cymbals, and even a cockerel to ensure you wake up laughing. BUT the fun doesn't end there! Remove the dog bowl and set the ball bearing careering off on a mad course of your own invention. Could it knock down a row of dominos?A very eccentric alarm clock!
A series of gravity fed ball bearings set off wind chimes, cymbals, and even a cockerel
Includes the alarm clock (in five easy to assemble parts) 2 steel ball bearings and blueprint instructions
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I've been given the opportunity to be part of a local municipality's PD. The background check requires detailed records, what is the best way to find my life's career record? I dont have access to all my w2's, all were lost in a home fire.
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Termination!! Obviously sob stories.. What to do next?
Added on : Saturday April 13th 2013 06:02:20 PM
Hello, I hope that you are having pleasant day. I've been learning a lot from FW finance forum- today, I humbly ask for your honest opinion of what I should do next. Since I didn't want to get this issue known to anybody(though this is anonymous forum... crazy, I know), I used Alt-ID and for that, I am genuinely so sorry about those who don't like to see Alt-ID: never knew I would be the one that would be using it. After the graduation of college, I decided to stay at college town so that my fiance could finish her degree. (I majored in Economics, for those who care). Since I wanted to do something useful while waiting, I started my first career as a teller in a local bank. Even though I knew that being a teller wasn't going to strengthen my resume, I worked really hard as if becoming teller was my destiny. I quickly reached incentive level and reached top 10 percent of tellers among five states, which was all good. The cash flow from being a teller wasn't big enough, but I was able to put food on the table along with some nice gift for my gal. I was a happy man back then. Then the cookie started to crumble. The relationship between my fiance and me went south- after breakup, I realized that I do not have any connection or friends. While I don't want to say that the time that I spent with her was a waste, I certainly should have had my personal life. I was floating in middle of nowhere in geographic sense(not in a big city like Boston, Chicago, San Francisco etc) either. I was stressed as is and this was what happened after a week of breakup. I was preparing to move to another big city so that I can finally start my second beginning albeit it was without her. We, as retail tellers, occasionally help the commercial tellers because there is so much for the commercial tellers to do. That day was the day that commercial room wasn't able to handle the workload that they are given. After 5:00PM, I realized that I was 5.14 dollars short from the drawer and the commercial room asked for the help they needed. Grudgingly any available retail tellers started to help them out. At 7:00PM, everybody was tired and wanted to go home. At the very last deposit, I found a deposit slip where they did not write down the amount of deposit. THIS WAS WHERE IT WENT WRONG. For some reason, I put 5 dollars less than what the actual deposit was (not 5.14!!!). I did not know what got into my head- the balancing wasn't my motive to put that money into my drawer since I ended up writing off 14 cents. My balancing rate was more than 95 percent so I knew for sure that my supervisor would not mind me being off 5.14 dollars let alone 14 cents. My coworkers saw me underwriting from the deposit and reported to supervisor that I shorted them for 5 dollars. Few minutes later, managers available at 7PM all gathered up and asked me whether I did that terrible act. He asked me whether I really did that since he could not believe the fact that I, who were so enthusiastic and friendly about this bank, would commit this serious issue. I told them the truth as I wouldn't lie. They asked me that whether I have been doing that more than once and I told them that I did not. If that was the case, I would've denied the fact that I shorted commercial deposit at the first place instead of admitting it. They agreed that I am not the character like that and yet were deeply shocked by this incidence. They told me to correct the transaction and come back tomorrow for further action. Feeling terrible and befuddled about the motive of force balancing, I showed up to my work after that day. I have concluded that the recent crumble with the relationship that went south interfered with the clear thinking that I always had. They took the whole day to investigate whether I shorted other customers to balance myself. Of course, they was not able to find the supporting evidence as I never did such act prior to this. After escalating this issue to vice president and HR, they decided to terminate me. I was asked to sign the paper where it read as "the bank has lost trust to employee XXXXX for this action and has decided to terminate his position". However, the head of HR told me that the bank and supervisors do not believe that I did this in any malicious way- but they have to follow the compliance. Long story short, I was terminated with free of charge(no, they did not call police), which was fortunate. The head of HR further told me that they will only verify the start date and duration of employment, the tile as a teller- they would not answer the question of eligibility of rehire. She added that they use the term terminated for every single person who leave the bank: whether it is their own accord, retired, or terminated. I honestly think that this is the end of line for me- I lost everything that I took pride and loved. I lost my fiance, and now I lost my career where I once took my pride and excelled at. With the big termination mark at teller job, I do not think that any financial institution would hire me. I wanted to apply asset management careers after getting myself married and moving to a big city but all those dreams turned into ashes. Honestly, who would hire me after hearing this story? While I certainly don't hope that this would lead to depression or any sort, I would like to ask for your opinion. Am I done for the life? Would I be better off throwing myself from the building? <-Okay, that was little bit extreme, but I really, really don't know what to do. I don't even know whether I should be posting this. Please share me your thought.
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Free Kindle Books 4/9/13
Added on : Tuesday April 09th 2013 06:01:02 AM
Only guranteed FREE at time of posting (check price before ordering, they change)! All have 4-5 stars or are so new they don't have ratings. A variety of genres in the hope you'll find something you'll enjoy!Murder Behind the Closet Door, Abridged, Book One (Detective Bill Riggins Paranormal Mysteries) by Christopher Pinto (Mar 20, 2013) - Kindle eBook
LinkEdited for a faster read! Over 100 pages eliminated from the original, for those who would rather "get to the point". Book One of a Condensed Trilogy.The Original "Murder Behind the Closet Door" is filled with side-stories, literary descriptions and character depth that not all readers find as interesting and thrilling as other. This condensed trilogy is for you! The Story:
"A 5-Star rated murder mystery - ghost story full of adventure, the occult, and dark souls, Murder Behind The Closet Door is an excellent novel for anyone who appreciates Noir fiction, Mickey Spillane-style mysteries and a Stephen King-style thriller wrapped up in one truly original, well told story."(Note: This book contains sex, strong language, violence, and very scary situations. Not for the timid. If it were a movie, the rating would be NC-17. It is a book written for people who love to fall deeper and deeper into a layered mystery. Reading this book is an adventure.)A dilapidated house with an evil secret in the basement. An auto-wrecking yard with the devious, rusted remains of a murderer's getaway car. An unsolved bank robbery with hundreds of thousands of dollars never found. A detective trying to solve an age old murder before his ticker runs out. A slow, agonizing death for an unfortunate victim and his soul reaching from beyond... "Murder Behind The Closet Door" is a murder murder mystery ghost story that keeps you engaged and guessing from the first paragraph. Creepy, riveting, this mystery-ghost story reveals another existence, one just beyond our own, where the occult and the paranormal meet reality and everyday people find themselves swept into very extraordinary circumstances. The story is set in Ocean City and Wildwood, NJ during the late 1970s (with flashbacks to the '30s & '50s), and centers around a young woman who begins her career marketing an amusement pier on the world-famous Wildwood Boardwalk on the Jersey Shore. Just as Heather's adult life really begins to blossom, her torment begins. Not long after moving into a 70 year-old rooming house, Heather's mundane life takes an uncontrolled turn toward insanity. Although she refuses to acknowledge her ghost, a mysterious entity begins to taunt her, an entity impetuously determined to contact her through her bedroom closet. At first these mild encounters are merely disturbing.... Aspirations of a life of quaint mediocrity vanish as she and her friends try to discover the Motives of her tormentor, finding that the truths in which she believed her entire life had been nothing but an elaborate veneer. As Heather falls deeper into the mystery, she finds the physical world around her is much stranger - and more terrifying - than she could ever have imagined.What's missing from the original?
Several "side" stories, including life in Wildwood, NJ in the late 1970s, interesting tales of the characters, and individual charachters' thoughts and revelations. The author, and most readers who enjoy longer books, find these add a considerable amount of "likability" to the book. However, at Stardust Publishing realize that many people in today's fast-paced world would rather cut to the chase. This series does just that, concentrating on the action, without some of the humorous or interesting details.
================================================You Can Have a Healthier Lifestyle with Mediterranean Diet Secrets by Marc Holden (Mar 20, 2013) - Kindle eBook
LinkAre you tired of chasing fad diets that promise immediate success but produce nothing when you attempt them?
Tired of tasteless meals? Want to eat healthy, but don't feel like purchasing expensive and bland health food?
Then the Mediterranean Diet is absolutely PERFECT FOR YOU.
With it you will be able to enjoy all sorts of delicious and tasty food, while managing to not only lose weight, but live an altogether healthier lifestyle.
Based around the foods available in countries like Spain, Italy, Greece, and Morocco, some of the foods you'll be able to enjoy with this diet are:
Chicken
Seafood
Nuts
Beans
Nearly Every Vegetable
Sweet Fruits
A glass or Two of Red Wine
A Piece of Dark Chocolate
And MUCH MORE!
======================================17 Muffins in 7 Steps by Aya Saffouri and Jim Yaghi (Apr 4, 2013) - Kindle eBook
Link17 fun, delicious and easy muffin recipes, with 5 quick frostings and 7 useful tips to introduce your teen or tween to the world of BAKING! This will make a great birthday gift for your girl. Muffins are tasty, Muffins are sweet, They're my favorite food to eat. Blueberry, banana nut, hazelnut berry and Oreo. These yummy muffins are quick and easy to make, and a truly healthy treat.
================================================77 Dinner Recipes From Around The Globe by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"77 Dinner Recipes From Around The Globe" containing 77 dinner recipes from around the world: Striped bass en court-boullion, Potatoes hollandaise, Stuffed tomatoes, Stuffing for tomatoes, Sweetbreads braises, Sauce bearnaise, Punch francaise, Roast redhead ducks, Fried hominy for game, Hot rum sauce, Vanilla ice cream, Macaroons, Canapes of caviare, Halibut steaks, Anchovy butter, Potatoes persillade, Leg of lamb, Jardiniere, Roast turkey, Cranberry sauce, Celery salad, Mayonnaise sauce, Cabinet pudding, Prentanier for soup, Sauce normande, Bread croutons, Chicken valencienne, Spring-lamb chops, Soubise sauce, Punch cardinal, and many more...,
=================================================48 Breads And Muffins Recipes: Simple, Authentic and Traditional by Claude DeLucca (Apr 5, 2013) - Kindle eBook
Link"48 Breads And Muffins Recipes: Simple, Authentic and Traditional" containing 48 simple, authentic and traditional Breads and Muffins recipes: Milk bread, Graham bread, Sweet loaf, Shredded wheat bread, Corn bread, Oatmeal bread. Brown bread, Titusville brown bread, Nut bread, Raised muffins, New england blueberry muffins, Date muffins, Western muffins, Lunch rolls, Coffee cake, Coffee muffins, Apple gems, Beaten biscuits, Southern recipe, Bannocks, Batter bread, Rice muffins, Lunch muffins, Saratoga corn cakes and many more...
=================================================Cake Recipes for Dummies by Descubriendo Apps (Apr 6, 2013) - Kindle eBook
http://www.amazon.com/Cake-Recipes-for-Dummies-ebook/dp/B00C8WN2NU/ref=sr_1_34?s=digital-text&ie=UTF8&qid=1365500188&sr=1-34Surprise your family and friends with our delicious desserts.Learn step by step how to create more than 20 different recipes in an easy and fast way.Table ContentFunfetti Dump Cake
Candy Cane Dump Cake
Triple Chocolate Pudding Dump Cake
Angel Food Dump Cake
Chocolate Coconut Dump Cake
Tropical Coconut Dump Cake
Pineapple Orange Dump Cake
Apple Caramel Dump Cake
Chocolate Pumpkin Dump Cake
Strawberry Pineapple Dump Cake
Peach Blueberry Dump Cake
Fruit Cocktail Dump Cake
Lemon Dump CakeAND MORE......
==========================================Georgiana Darcy's Diary: Jane Austen's Pride and Prejudice continued (Pride and Prejudice Chronicles) by Anna Elliott and Laura Masselos (Apr 20, 2011) - Kindle eBook
LinkMr. Darcy's younger sister searches for her own happily-ever-after... The year is 1814, and it's springtime at Pemberley. Elizabeth and Mr. Darcy have married. But now a new romance is in the air, along with high fashion, elegant manners, scandal, deception, and the wonderful hope of a true and lasting love. Shy Georgiana Darcy has been content to remain unmarried, living with her brother and his new bride. But Elizabeth and Darcy's fairy-tale love reminds Georgiana daily that she has found no true love of her own. And perhaps never will, for she is convinced the one man she secretly cares for will never love her in return. Georgiana's domineering aunt, Lady Catherine de Bourgh, has determined that Georgiana shall marry, and has a list of eligible bachelors in mind. But which of the suitors are sincere, and which are merely interested in Georgiana's fortune? Georgiana must learn to trust her heart--and rely on her courage, for she also faces the return of the man who could ruin her reputation and spoil a happy ending, just when it finally lies within her grasp.
===========================================================I am the Great Horse by Katherine Roberts (Jan 9, 2013) - Kindle eBook
LinkClimb on my back, if you dare, and let ME carry you into the battles that changed the world!So speaks Alexander the Great's bold black stallion Bucephalas, one of the most famous horses of the ancient world, as he recounts their epic journey from Macedonia, across Persia and over the Himalayas into India, straight from the horse's mouth.In the tradition of Michael Morpurgos "War Horse" and Anna Sewell's "Black Beauty", this mixture of fiction and history will appeal to readers looking for a lively account of the legends surrounding Alexander of Macedon and the men and women who followed him to the ends of the earth.Originally published in hardcover by Scholastic US and in paperback by Chicken House UK, the ebook includes an illustrated map of Bucephalas hoofprints by artist Brian Sanders.
=======================================================A Trio of Irish Tales (Trio Tales) by Judith Cullen and Micki McIntyre (Mar 5, 2013) - Kindle eBook
LinkMeet Ireland's legendary "Man of the Mists", experience the life of one woman through a sacred oak tree, or delight in the old-world vs new-world clash between an annoyed pooka and a digitally savvy teenager. In this first volume of the "Trio Tales" series, author Judith Cullen celebrates her heritage inspired by family and friends, and she even invites the fairies out to dance.
==========================================================God Painted Us a Rainbow by Katrina Streza and Lisa Graves (Mar 26, 2013) - Kindle eBook (Childrens)
Link Celebrate the beauty of God's creation!
In this rhyming picture book, children learn to thank God for all types of days. Rainy, sunny, foggy or clear, there is so much beauty to be shared. Charming illustrations bring this fun and important concept to life for toddlers, preschoolers and kindergarteners. A perfect addition to a Christian education unit on weather, seasons, or the changing times of day.===================================================================Abc's of Baseball - A Children's Picture Alphabet Rhyming Book about the great game of Baseball (Baby-3) by ANTOINE CAMERON and Michael Golez (Mar 12, 2013) - Kindle eBook
LinkThis baseball rhyming book is great for any toddler learning their abc's and they will get to learn about baseball as well. The book is a rhyming book with 26 beautifully illustrated pictures by Michael Golez. The author Antoine Cameron also has close ties to the game of baseball since he played pro for the Chicago Cubs. You child will enjoy learning his or her abc's as well as the beautiful pictures.
================================================The Alphabet Book of Animals - Easy Ways to Learn the ABCs by Chris Q Sheridan and Booka Booka Publishing (Feb 26, 2013) - Kindle eBook
Link Easy Way to Learn the ABCs BooksIntroducing your child to the alphabet - from ABC to XYZ - in a fabulous way. Explore the alphabet with your child in this exciting animal alphabet book. This animal picture book will capture your childs curiosity about the animal kingdom and the world around him, while he gets his abc learning on. Filled with vibrant, captivating photos of animals from A to Z, it includes the common animals that your child can recognize in her everyday life, as well as the more exotic to engage her in wonder and develop her curiosity. They can all say cat or dog but wont you be proud as she showcases her knowledge when shes the first kid in her preschool to say ibex or koala.Join them on their quest to learn the alphabet as they discover all kinds of wild and domestic life starting with different letters. While learning their ABCs, they will also be exploring the natural world and developing an appreciation for the wide assortment of creatures that roam the earth.Educational and enticing on all fronts, you can also use this as one of the more vibrant abc books in your collection. Use it as a guide to introduce your child to shapes, textures, patterns and colors. From the vibrantly bright green tree frog to the spots/squares on the sleek head and neck of the jaguar to the fuzzy yet regal face of the lion to the striking and mind-twisting, eye-crossing stripes of the zebratake your child on a fascinating trip around the animal kingdom.The book not only lets you share precious bonding time with your child as you explore the animals together, but can be used by parents, grandparents, day care providers, teachers and therapists to lay an early foundation for good observational skills.
================================================================The Amazing Animal Superbook by Tarrant Brothers (Mar 2, 2013) - Kindle eBook
LinkDid you know that there is a snake that can see with its tail? Are you aware that there exists a large mammal that can jump distances of up to fifty feet? How about the virus that turns caterpillars into zombies? The Amazing Animal Superbook has all of this and much, much more. Filled to the brim with over 1,000 incredible and compelling animal facts as well as 350 beautiful full-color photographs and multiple bonus features, no book covers the wide range of the animal kingdom in a more entertaining and informative way.Whether youre interested in lions, bears, birds, sharks, spiders, elephants, snakes, octopuses, bugs, dogs, or earthworms, it doesnt matter. The Amazing Animal Superbook has something for you.This volume was written with young people in mind, but in such a comprehensive way that even experts will find themselves learning new and exciting things. If you're an adult who loves animals, you will adore it. If you buy it for a young person interested in science, it will likely be remembered as one of their favorite books from adolescence. Makes for an awesome coffee table book and conversation starter. The ultimate bathroom reader. Something for everyone!
====================================================Easy Minecraft House Designs: House Design Ideas, Blueprints, Instructions, and More! (Easy Minecraft Guides) by John Alexander (Mar 23, 2013) - Kindle eBook
Link Minecraft is a game of immense possibility, easy to start but hard to master. These Minecraft house designs are intended to TEACH the fundamentals of building different types of structures. You will learn how to:
- Build fences, doors, stairs, skylights, courtyards, ladders, trapdoors, and more!
- Build basic shelters like igloos, caves, and treehouses
- Build simple one room houses, cabins, and ranches
- Build L-shaped houses and houses with porches
- Build multi-story homes
- Build townhouses and motels
- Build towers and lighthouses
- Build fortresses and castles
- Build house-boats
- Build bunkers
- And more!This guide teaches you the basic builds, but leaves the exact customization up to you! Once you know how to build off of these designs, there is nothing you cannot build within Minecraft.
==========================================Growing Up Wired by David Wallace Fleming (Mar 28, 2013) - Kindle eBook
LinkHow will relationships change in the age of the internet?Victor likes to admire his girlfriends' online pictures. These girls can't seem to stop posting self shots to Facebook and all the social sites. Soon all the young men in his fraternity are competing for the attention of these online, amateur pinups.
The classic problems of maturity are complicated for Victor by a set of new challenges. He struggles with smartphones, text-game, recreational pharmaceuticals, sexual guilt, porn addiction, reversed gender roles and a motley crew of well-meaning yet misguided mentors. The technological quandaries get even more confusing in the maelstrom of booze, drugs and social competition. He gets in fights, pops pills and embarks on a quest to learn why young women post so many pics and why guys can't stop themselves from looking? He might just find a young, willful woman to fall in love with - on both sides of the camera. Throughout these discoveries, he wonders: What kind of love is this? ... the wired kind.
======================================================
My Lucky Groom (Summer Grooms Series) by Ginny Baird (Apr 4, 2013) - Kindle eBook
LinkIf you liked the HOLIDAY BRIDES, get ready for the SUMMER GROOMS...
MY LUCKY GROOM (A Romantic Comedy Novella)
Book 2 in Ginny's Summer Grooms Series.A story about following your heart and finding your destiny.A superstitious fortune cookie collector finds love and adventure in Washington, DC.MY LUCKY GROOMFollow your fate... It might just lead to the romance of a lifetime!Superstitious fortune cookie collector Ventura Hart has embarked on a new adventure in Washington, DC. Armed with a masters degree in writing, she has ambitions of working for a major news publication. But the job market is tight, and after a while Ventura realizes she can't be that picky. When she meets a handsome young bachelor in need of a nanny, she thinks she's found a temporary solution. Little does Ventura know, she's headed down a new path that will lead to more than she's ever hoped for.Single dad Richard Blake is at his wits' end trying to secure help for his mischievous five-year-old twins. Known as DC's most eligible bachelor, the entrepreneurial magazine editor never imagines he'll fall for the one woman he's sure he can't have. She looks after his kids and has a boyfriend to boot. So his attraction to her is beside the point. But when Ventura becomes enmeshed in his family and Richard finds himself losing his heart, is there a way to secure a happy ending? It could all depend on a little bit of luck, and a whole lot of destiny.A sweet, traditional PG-rated romantic comedy.
Standard novella-length, approximately 30,000 words.
=================================================No Mud, No Lotus by Maya Yonika and Ben Jayston (Mar 13, 2013) - Kindle eBook
LinkNo Mud, No Lotus is a humorous but gritty journey out of substance addiction and sexual trauma and into Sacred Sex and Neo-Tantra! Its the raw, honest, and intimate biography of a Maya who stars in a controversial documentary film about Tantra: Code name "Tantric Seduction, the Dance of Maya."
This isnt the usual life story of a Sacred Sexual, Tantric practitioner, filled with New Age lingo and promises of ecstatic sexual Bliss. Rather, its the genuine, real account of a regular girl who seeks emotional and psychological healing from a past of sexual trauma, abuse, and addictions. No Mud, No Lotus chronicles Mayas determined journey to find depth and meaning within love, sex and relationships.
It also tells the story of Father Ron who believes its Mayas destiny to stand at his side as a Sacred sexual healer, and invites Maya to travel the world with him as his mate and to teach Tantra. Together, they go to places where the lines between black and white, shadow and light, the sacred and the profane become maddeningly unclear and contradictory. But Mayas past already endowed her with strength and a critical eyeassets she didnt know she had-- which serve as her beacon of truth as she negotiates the darkened maze that is Neo-Tantra as practiced in sexually over-charged New Age circles.
===============================================
In the Line of Fire: How to Handle Tough Questions...When It Counts: How to Handle Tough Questions ...When It Counts [Kindle Edition]
Jerry Weissman (Author) - was $27.99
http://www.amazon.com/dp/B007GQB1WWPublication Date: June 23, 200554 Reviews ★★★★.5Jerry Weissman has made a career of coaching nearly 500 execs on their IPO roadshows, the most critical presentations of their lives. Now, he's written an indispensable guide to answering the toughest questions you'll ever face. Using compelling examples from Presidential debates to stock analyst meetings, Weissman teaches how to respond with perfect assurance. Discover how to avoid the defensive, evasive, or contentious answers that have destroyed political careers and ruin credibility. Learn to control your entire exchange with a hostile questioner: the question, answer, interactions with questioner and audience, timing, and above all, yourself. Whether an executive, politician, fundraiser, interviewee, teacher, student -- or even a family member at Thanksgiving dinner -- you're judged on how you handle these moments. Get this book: handle them brilliantly.About the Author
JERRY WEISSMAN, the world's #1 corporate presentations Coach, founded and leads Power Presentations, Ltd. in Foster City, CA. His private clients include executives at hundreds of the world's top companies, including Yahoo!, Intel, Cisco Systems, Intuit, Dolby Laboratories, and Microsoft.Weissman coached Cisco's executives before their immensely successful IPO road show; afterward, the firm's chairman attributed at least two to three dollars of Cisco's offering price to Weissman's work. Since then, he has prepared executives for nearly 500 IPO road shows, helping them raise hundreds of billions of dollars.Weissman is author of the global bestseller Presenting to Win: The Art of Telling Your Story (Financial Times Prentice Hall, 2003).In this book, you'll find many examples of Q&A sessions and political debates in the public arena. The original videos of these sessions are available on a DVD that you can obtain by visiting www.powerltd.com.
Amazon Coupons
Free Kindle Books - April 7, 2013
Added on : Sunday April 07th 2013 12:01:06 PM
Don't Try to Stop Stuttering...REPLACE IT! [Kindle Edition]Michael Williams (Author)]http://www.amazon.com/Dont-Try-Stop-Stuttering-REPLACE-ebook/dp/...Book Description
Publication Date: April 4, 2013
Stuttering Treatment: How to Stop StutteringThe logical and traditional way to approach stuttering is to try to treat, stop, overcome or manage it. The only problem is, this way often does not work. This guide will present to you another view, one that I think you'll find far more effective and successful in helping you achieve your fluency and life goals.You know that you are capable of being, doing and having more. You know that you are intelligent and are able or want to be able to contribute more to your job, class, family, community and world. But, something has been holding you back. You've felt limited, even controlled by stuttering. Well, the great news is that you can learn to start speaking more smoothly, fluently and confidently, but only IF you approach it from a completely different direction.My name is Michael Williams and I'm the founder of The Start Speaking Training Center and the PRO90D Speech System, and I stuttered for over 20 years. In this guide, I'm going to share with you no only how I have used stuttering as a springboard to excellent speech, but, how I am helping thousands of people around the globe do the same.If you are truly ready to make a change, and have an open mind, I believe you WILL find something in this guide that will truly transform your entire life. And, I don't say that lightly. This guide contains the pure essence of all of the techniques and strategies I use everyday to help people just like you unlock their speaking potential. This is not hype, or theory. The information contained in this guide is based on Neuroscience, Neuroplasticity, Accelerated Learning Strategies, and real life experience. May this guide be a true blessing to you and everyone your life touches.
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5 Keys to Doing Business With The Right People [Kindle Edition]colin myles (Author)]http://www.amazon.com/Doing-Business-Right-People-ebook/dp/B00BU...Book Description
Publication Date: March 14, 2013
In the 5 Keys to Doing Business with The Right People, author Colin Myles shares the fundementals for dealing with people and companies in business. With time tested and proven keys, Colin reveals a five step excercise to assist you make better choice and decisions, when it comes to spending your money.
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How To Be Successful: 21 Things the Most Successful People Don't Do After Getting Up! [Kindle Edition]Joe Allen (Author), David Donaldson (Author)]http://www.amazon.com/How-To-Be-Successful-ebook/dp/B008NU5F5O/Book Description
Publication Date: July 21, 2012
Do you know why some people are more successful than others? How come some people are earning more than you even they are not smarter than you? Why some people are living in a better life?Well...if you are seeking the answers, one of the reasons is that the most successful people do things differently. By doing things differently, you get different result.You could be like them, too; if you act like them. How?In "How To Be Successful: 21 Things the Most Successful People Dont Do After Getting Up! ", you'll learn the things that the most successful people don't do after they get up from bed, and what you could learn from them.Morning time is the most precious time in a day, the most successful people know how to utilized that time to maximize their day. Success has no secrets, it has patterns. Intimating what the most successful people do is just one method you could learn.Get this book today to know what you shouldn't be doing in the morning after getting up, and how you could benefit from it and start to live in a better life.
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Blood Type Diet [Kindle Edition]Valerie Lewis (Author)]http://www.amazon.com/Blood-Type-Diet-ebook/dp/B00C4W6CJ0/Book Description
Publication Date: March 31, 2013
Blood Type DietFeaturing Blood Type RecipesA blood type diet is one in which you aim to eat the right foods for your type of blood. Four different blood types determine the blood type diet food list. The blood types diet covers type O, A, and AB. The thought is that blood types and diet plays a major role in the health of the person. Each blood type has specific foods that are allowed and not allowed for consumption. Peter D'Adamo who pioneered the diet plan bases the diet plan very much on the book and research. He fully believes that blood type and diet are directly related and we should consume foods or diets for blood types to match each person.This book has an information section explaining all about the blood type diets, the theory behind the thought and goes over the foods list. The largest part of the book covers actual recipes for each blood type, type O, type A, and type AB. Each recipe section contains appetizers, desserts, breads, main dishes, and side dishes. Many of the recipes can be interchanged with some or all of the other blood types. Paying attention to the allowable and not allowable foods list helps to determine which recipes can go best with each blood type. The recipes in this book cover specifically for each blood type for quick and easy reference.Here are a sampling of the recipes for type O blood: Cheese Ball with Herbs, Sugar Cookies, Rye Bread, and Meat Loaf. Type A blood: Sardine Salad Spread, Fudge Cookies, Buttermilk Biscuits, Italian Chicken Breasts and Rice Stuffing. Type B blood: Meatballs A La Turkey, CranNut Cake, Fried Chicken Steak, and Green Beets. Type AB blood: Veggies and Goat Cheese Dip, Risotto Tomato Rice, Chicken Curry, Nutty Baked Yellow Delicious Apples, and Zucchini Bread.___________________________________________________________________________________________Double Your Productivity: How To Get More Done In Less Time [Kindle Edition]Victor L. Fox (Author)]http://www.amazon.com/Double-Your-Productivity-More-ebook/dp/B00...Book Description
Publication Date: April 4, 2013
You'll Be Amazed How Easy It Is To Achieve Your Goals In Half The Time!Do you often wonder how some people can get twice as much work done in a smaller time frame than you? Were these people born with higher energy levels and laser beam focus?Of course the answer is no. However, they do have the right tools, techniques, and strategies that allow their minds, bodies, and emotions to perform at a higher level.The good news is that all these things can be learned and replicated quickly. In fact, you can double your productivity in as little as 30 days.Did you know that most people restrain themselves from performing anywhere near as well as their minds and bodies were naturally designed to perform? Most people believe that productivity is all about prioritizing your tasks throughout the day, but in reality there is a lot more to it than that.The highest level of productivity is like a triangle where all sides support each other. High productivity requires your mind, body, and emotions to work together in a triangular fashion. Every time one of those three elements is out of place, a significant drop-off in productivity will occur. Therefore, you must calibrate each one of those elements for optimal performance.This book will walk you through the intricate process of fine-tuning each one of those areas. Once you mind, body, and emotions are in complete alignment with your goals and desires you will:- Get more work done in less time.
- Enjoy a state of flow while working.
- Hove more time for friends and family.
- Exceed everyone's expectations.
- Improve the quality of your work.
- Blast through projects that used to be difficult.
- Make everyone admire your work ethic and beg you to share your secrets.If I Could Do It, You Can Do It!I've always had big dreams and aspirations, but every time I went after my goals I ended up feeling like I overestimated my abilities. I frequently found myself struggling to meet deadlines, and the harder I worked the more exhausted I felt mentally, physically, and emotionally.Eventually I realize that I wouldn't be able to sustain this kind of workload much longer. That's when I decided that finding a solution to my problem was a must.I started reading tons of books on time management and productivity. Soon I had a lot of useful information. Some things worked better than others, but I was still not getting the kind of results that I wanted.Finally, I realized that it was probably a good idea to ask someone whose work ethic I admired. I wanted to see if they'd be willing to share some of their knowledge with me. I found one individual who was happy to share exactly the kind of information I was looking for. He explained his entire productivity system to me in detail. He said that if I followed everything he taught me, I would double my productivity very quickly. To my amazement, everything worked out just like he said it would.Now I want to share this information with you. And, I want to do it without giving you any useless filler. I don't have time for it and I know you don't either. Here's a taste of what you will learn inside this book:- How one master success ritual can blow open your floodgates of flow, creativity, and productivity.
- How to annihilate distractions once and for all.
- How you can quickly and easily improve your ability to focus and use it to skyrocket your productivity.
- A time management system that aligns with your natural inner clock.
- How to make your mind and body re-energize faster than you ever thought possible.
- And much more!Imagine yourself producing better quality of work in half the time it used to take you. And, you'll get to enjoy your work a lot more. After applying the methods in this book you will be amazed with how easy it is to double your productivity.So take action. Get your copy now, improve your productivity, and reach your goals faster than you ever thought was possible.______________________________________________________________________________________________________
At Office Yoga: Your At Work Yoga Guide For Stiff Bodies That Sit All Day (Just Do Yoga) [Kindle Edition]Julie Schoen (Author), Little Pearl (Author)]http://www.amazon.com/At-Office-Yoga-Bodies-ebook/dp/B00C7WW2XC/Book Description
Publication Date: April 4, 2013
You work hard all day! Don't you deserve a break?Recent studies have proven that sitting for extended periods of time throughout the work day is more than just uncomfortable and boring, it is detrimental to your health! To help combat dangerous side effects of sedentary lifestyles, like obesity, heart disease, depression, and diabetes, you need to move throughout your day -- a lot!At Office Yoga: Your At Work Yoga Guide For Stiff Bodies That Sit All Day shows you how simple doing yoga at work (and before and after) really can be. And it's so good for you too! Practicing yoga throughout the work day will: Increase Metabolism
Improve Posture
Prevent and Manage Carpal Tunnel Syndrome
Decrease Stress and Moodiness
Boost Energy and Productivity
Help You Feel Comfortable, Confident, and Awesome! Julie Schoen, professional yoga teacher based in New Mexico, guides you through three carefully crafted yoga sequences that are designed specifically to help keep you in tip top shape both mentally and physically while at work.The 7th installment of her popular Just Do Yoga series, Schoen's humor, detailed instruction, and beautiful color photographs make this yoga guide one you will return to again and again, beginners to advanced yogis welcome!Make The Best Of Your Work Day Today -- Buy At Office Yoga Now!
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What If? : A Romantic Parallel World Time Travel Thriller [Kindle Edition]IAN C.P. IRVINE (Author)]http://www.amazon.com/What-If-Romantic-Parallel-ebook/dp/B00C7RY...Book Description
Publication Date: April 4, 2013
NOTE: THIS BOOK WAS PREVIOUSLY PUBLISHED ON Amazon AS "London 2012 : What If?"Starting a few days after the Olympics in London have finished, 'What If?' was written for the commuter, for anyone who sits for hours every day travelling to work, and wondering...'is this the life I should be living? Have I made the right choices? ' ...and then wished for something else...The new alternative to The Time Traveler's Wife, this is a must read for everyone, regardless of what city you work in.'What If?' raises many interesting questions that make great topics to be discussed in Book Clubs. This edition comes complete with guideline questions for your book club to debate and discuss.The Story :Contemplating having an affair, bored with work, and convinced there must be something more to it all, James Quinn is a man just about to enter a mid-life crisis. James leads a successful life. But is it the right life? Instead of a Product Manager in Telecoms, should he have been a plumber, an Olympic athlete, or an artist? Life, as they say, isn't a practice run. This is it.
Convinced the 'grass is greener' everywhere else, and worried that he may be missing out, James Quinn is a man full of doubts.It's not that he hates his own life. Far from it. His 'life', as others may call it, is good. It's just that, nowadays he can't stop looking at other people and wondering if he is living the right one? What if James has got it wrong?And then there's Jane, the first girl he kissed at school, and the one that got away. What would life have been like if he had married her instead of his wife? Unable to control his curiosity he tracks her down through Facebook and discovers that she is now a beautiful woman, living in London, and unhappy in her marriage: like a moth drawn to a flame James finds himself heading for infidelity and feels powerless to stop.Then one day, during the normal underground commute to work in London, he looks up from his book and doesn't recognise the station name on the Jubilee Line, and in a split-second, everything changes.Emerging onto a platform at "New Cross Gate North", a station that shouldn't exist, James finds that Canary Wharf has vanished. Gone. And so have Selfridges and mobile phones.Instead, James finds himself in a parallel world, where the city he lived in has changed, and every moment is now a voyage of discovery into a new life: a new career in advertising, a new house, and a new wife: Jane-the object of all his fantasies.In this new world, James discovers that he is a flamboyant, intelligent, charismatic, successful businessman. Yet, even though he now has everything he has always dreamt of, he finds that he longs for everything else that he used to have but has now lost: his two children, Keira and Nicole, and his wife Sarah. Sarah, the woman he loved but took for granted.Convinced that both the past and present are real, he realises that somewhere Sarah must be as real in this world as she was in the last. Longing to hold her in his arms again, and with no apparent way back to his old world, he sets out to find Sarah in his new world. Wherever she is.Using knowledge from their previous life together, he manages to track her down. But James realises that before he can truly be together with Sarah once again, he must first understand what went wrong between them in the other world to avoid it happening again.What is the secret that his subconscious has hidden from his conscious mind, and which made him want to turn away from Sarah and into the arms of another woman? Will it be possible for Sarah to fall in love with him again in this new world? And is it too late to find a way back to the old world, and his old life?Or will he be stuck forever in this other world, yearning for the green, green grass of home?
____________________________________________________________________________________ The Seriously Silly ABC Book: A Rhyming Picture Book for Kids Learning to Read [Kindle Edition]Steve Hodge (Author)]http://www.amazon.com/The-Seriously-Silly-Book-ebook/dp/B00C4W41...Book Description
Publication Date: March 31, 2013
"The Seriously Silly ABC Book" introduces children to the letters of the alphabet one at a time using colorful drawings and simple sentences that emphasize the individual letters in bold, capitalized, brightly-colored type.You will point out the featured letter at the top of each page and encourage your child to find the several other examples of that same letter on that page, making this book a fun, interactive experience for both you and your child each time you share the book together.This book became a #1 Best Seller within days of its release.Once your child becomes familiar with the letters of the alphabet (or if your child is already there) you may want to check out the authors other rhyming picture books for kids learning to read; Things You Might See and More Things You Might See, each of which achieved a #1 Best Seller ranking in their childrens book categories the months they were released. More Things You Might See also earned a #1 Hot New Release ranking.Those books have entertained thousands of children while helping to guide them onto the path toward learning to read.
_____________________________________________________________________________________________Speed Writing for Nonfiction Writers: How to Double or Triple Your Daily Word Count [Kindle Edition]Ryan Healy (Author)]http://www.amazon.com/Speed-Writing-Nonfiction-Writers-ebook/dp/...Book Description
Publication Date: March 9, 2013
If youve ever struggled with the blank screen if writing feels like crawling through mud on your belly or if you just want to write faster than you do today then this book is for you.It will teach you the secrets of "Speed Writing" and how to double or triple your daily writing output.Imagine that you are able to write two or three times as fast as you can today. How much more would you be able to get published each year? More importantly, how much more would you be able to earn as a writer?Heres what youll learn when you read Speed Writing for Nonfiction Writers:* 4 reasons you need to write faster than you do today.* How I wrote an ebook in a single weekend -- and how you can, too.* How to conquer the blank screen once and for all.* How to quickly increase your writing speed so that you are able to double or triple your daily word count.* Mistaken assumptions that keep writers stuck in slow.* The 10 Powers of Speed Writing. How you can layer these powers for bigger gains in speed.* Why anybody with sufficient motivation can become a Speed Writer.* The difference between good writing days and bad writing days.* How to start stacking more high productivity days on top of each other so you can complete impossible writing projects in record time.* How to feel inspired every single time you sit down to write.* And much more.Speed Writing for Nonfiction Writers is for writers of all kinds. It doesn't matter whether you write articles, editorials, sales letters, white papers, or books. You will find techniques and principles that will make you a much faster writer.
Hello All,I have already posed this question in GMAT Club forums and Wall Street Oasis. I have only received limited feedback, so I thought that I would ask the most financially savvy community on the internet their opinions about career and school guidance. If this is too big a favor to ask by all means give me red.Let me apologize in advance for the length of this post. It is a hybrid of career choice and school questions- I am considering the necessity of MBA school / chances / where to apply and believe I understand the nuances of most schools inside the top 20.I am an Air Force Captain with about 7 years' service. Undergrad double major in Supply Chain/Econ from one of the better Big Ten schools with a 3.7 GPA. Also have an MSc in Quant Finance from an average Pac-Twelve School (not in California!) but with a fairly robust curriculum and 3.8 GPA.My AFSC (MOS) is in the Finance arena, but have had some very atypical assignments, have checked the blocks on deployments to both major AORs in ways that were not standard Bob on the Fob G-8, and am currently working at an Embassy assignment... fair amount of breadth and I'm reasonably sure that for a non combat arms role my profile is strong - would be grateful for feedback on my Linkedin/Resume and would happy to provide on a PM.I have also passed my CFA Level 1 exam and will be sitting for the Level 2 in June.BLUF: I want to work at a hedge fund full stop, first as an analyst, and progressing to a portfolio manager-global macro long/short go anywhere fund. I am not interested in working at a long-only asset manager or mutual fund. Eventually I want to run my own fund and if all goes well (yes that's an optimistic assumption but you have to have goals) I have some longer term plans about how I would want to build out the fund and turn it into more of a venture philanthropy/ emerging mkt micro venture capital endeavor - this would be the crux of any essays I would put in for MBA schools. I would also attempt to parlay my international experience in essays. This plan has evolved, but for the most part it is what I've wanted to do since my junior year of college. The career progression I've sought is pretty self-explanatory to any school with the Master's degree concentration and the CFA, and my rationale would be the school as a natural pipeline for a career change and network exposure. My dilemma is as follows: I am questioning the necessity of attending MBA school at all, because last year I was seriously considering getting out and managed to land interviews at several of the BB banks in NY, which at the time I viewed as a critical stepping stone to the alternative asset space. Managed to land one job offer in the market reg side in oil futures surveillance, but the salary offered was on par with a first time job out of undergrad. I have a spouse with grad school debt and we could not make the numbers work in NYC. I worked closely with Veterans on Wall Street to get to these interviews, but the industry was in such flux with Dodd-Frank at the time that 4 firms asked me to wait until summertime. That said, I've maintained contact with my interviewers and hope/think that they will keep me in mind down the road.In parallel I was offered this very unique Embassy job opportunity; my wife is in the NGO/Int'l Development arena and we had to jump at the chance. In the Air Force you only have 5 days to accept an assignment selection or you have to establish a date of separation and no deferral of an offer. Fast forward to today and we have another year left here, but possibly up to two years if I put in for an extension. Leading up to the week that I accepted the overseas job, I had been cultivating relationships with a few hedge fund managers and sought their counsel - a common piece of advice I got was get the international/life experience, skip the MBA completely, pursue the CFA, and learn Python programming. They also recommended trying to start directly at a HF rather than try to navigate the as-of-yet uncertain maze of what Sales/Trading desks at the big banks will look like post the major regulatory changes. Although they personally said they would speak to me when I returned home - 2 years is a long time and there are no guarantees.Since before I was commissioned I've been trading equities/options on my own and have managed to grow the portfolio to a fairly comfortable level (market hours are friendly in SWA); I have all of my transactions documented and can verify performance figures- I absolutely realize that this is close to irrelevant in hiring for institutional money management but only offer it to further emphasize my dilemma. As an undergrad I was also active in my school's investment association which at the time was running the largest student run fund in the world, and studied in the UK my junior year that concluded with a short internship in London at the LME and a week survey at the Bank of England.Back when I was applying for the Master's program I didn't do as well on the GMAT as hoped and got a 660 which I attribute to poor time management. But that was 7 years ago meaning it is off the books at this point, and I am quite confident I could push above 700 with a reasonable amount of prep. First, given all the above details, is there an overly compelling need for me to go to MBA school? The fact that I was offered an analyst/undergrad position is a concern I have because an analyst's salary will not work for me in either NYC or SF as family planning is going to be a reality in the very near future. The other big banks seemed to be hinting at a senior analyst level or even associate position, but likely for a summer internship offer. I certainly understand the risk they are assuming with an unproven person coming into a new industry. Since that time many of the large firms have come out with military specific programs, which they may have known about when we were speaking, but were not public at that point. Believe me, I have heard and understand the "You're taking the difficult path" rather than the natural one by NOT going to MBA school.Although there are differences between top MBA salaries over the course of career by most normal metrics, in my specific case I'm wondering if the lost opportunity cost is worth it... I will be a little older than your standard post Academy/ROTC guy and low 30s should be prime earning years, even if I am able to attend school cheaply or even for free with Post 9/11 and Yellow Ribbon. I remember looking at Cornell Johnson's 1 year program but the issue with that is no opportunity for an internship and you're left to your own devices at graduation- could be stated from a position of ignorance but I spoke with a few of the military guys there at the time and they recommended going for the 2 year one. With 1 year, the time isn't automatically built in so most of your school experience would be trying to get recruited.Second, If school is absolutely the way to go, for hedge fund specific positions, are there any other schools to seriously consider than Columbia, Wharton, NYU, and Booth? MIT certainly has a lot of academia in that realm with Andrew Lo's finance lab, but I perceive it to be more an operations/quant/management place. For West Coast, I would think both Haas and Anderson are well represented, but Stanford (impossibly tough to get into) seems to be much more tailored to the VC/PE/Startup set.Finally, Is there any factor that I am not thinking about that I should give more consideration? With a 700 GMAT & reasonable quant is there anything more that you would recommend in terms of application approaches other than what I've already mentioned?Thank you very much in advance for any advice you can offer, and once again I apologize for the length of this post.
Kindle Books 4/5/13
Added on : Friday April 05th 2013 07:02:09 AM
As always, only guaranteed FREE at time of posting. All have 4-5 stars, Hope to have a variety of genres, and a mix of new and old for you to enjoy. Feel free to add any you find please!The Fallen Star (Fallen Star Series Book 1) [Kindle Edition] (YA)
http://www.amazon.com/Fallen-Star-Series-Book-ebook/dp/B004W0COE...
Pub. 9/11/12For eighteen year-old Gemma, life has never been normal. Up until recently, she has been incapable of feeling emotion. And when shes around Alex, the gorgeous new guy at school, she can feel electricity that makes her skin buzz. Not to mention the monsters that haunt her nightmares have crossed over into real-life. But with Alex seeming to hate her and secrets popping up everywhere, Gemmas life is turning into a chaotic mess. Things that shouldnt be real suddenly seem to exist. And as her world falls apart, figuring out the secrets of her past becomes a matter of life and death.
===========================================Alone: The Girl in the Box, Book 1 [Kindle Edition] (YA)
http://www.amazon.com/Alone-The-Girl-Book-ebook/dp/B007T9GY46/re...
Pub. 4/10/12Sienna Nealon was a 17 year-old girl who had been held prisoner in her own house by her mother for twelve years. Then one day her mother vanished, and Sienna woke up to find two strange men in her home. On the run, unsure of who to turn to and discovering she possesses mysterious powers, Sienna finds herself pursued by a shadowy agency known as the Directorate and hunted by a vicious, bloodthirsty psychopath named Wolfe, each of which is determined to capture her for their own purposes...
=================================================Where Are the Dinos? (children)
http://www.amazon.com/Where-Are-the-Dinos-ebook/dp/B00C3O6T2Y/re...
Pub. 3/28/13This picture ebook title features vivid, full-color layouts with Kindle Text Pop-Up★★★
A day at the zoo is not complete without visiting the dinosaurs, right?
But, hey.where are they?I wonder why, I wonder how
Where are all the dinos now?Boys and girls will delight in this fast-paced rhyming adventure chock-full of hilarious questions from a very persistent young visitor at the zoo.What do dinos find in shops?
Polka-dot tricera-tops?The laughs keep coming in this charming adventure full of dino-mite humor and fun. It's the perfect good time read that kids will enjoy reading over and over again.
-------------------------------------A to Z of Silly Animals - The Best Selling Illustrated Children's Book for All Ages by Sprogling (children)
http://www.amazon.com/Silly-Animals-Illustrated-Childrens-ebook/...
Pub. 3/6/13A wonderfully silly A to Z picture book of ridiculous mythical animals. The charming, original illustrations and witty captions are sure to delight children of all ages as well as parents.Enjoy the A to Z of Silly Animals with your child today!
===================================================Seven Days From Sunday (An MP-5 CIA Thriller, Book 1) [Kindle Edition]
http://www.amazon.com/Seven-Days-Sunday-Thriller-ebook/dp/B00359...
Pub. 1/19/10#1 Amazon KINDLE BESTSELLER IN "MYSTERIES & THRILLERS" #1 Amazon KINDLE BESTSELLER IN "SPY STORIES & TALES OF INTRIGUE" In this fast paced thriller, Iraq's top terrorist makes two promises - a kidnapped American contractor will be executed on a given date, his body dumped in Baghdad's Green Zone and a major attack will occur in seven days. Working desperately to find the American and thwart the impending attack is an elite 4-man CIA team which includes an attractive female doctor. But they can only watch helplessly as the terrorist and his masked henchmen behead the American during a live video feed carried on the Internet. What they don't know is that one of the masked men is not a terrorist, but completely innocent. He is an Iraqi pharmacist who has infiltrated the group. His only objective - to find his missing fiance, who the terrorist has also kidnapped. After the beheading, he is free to go. But little does he know that his fiance will bring the deceased American's head to the Green Zone, and inside the dead man's mouth is evidence linking him to the terrorist.This is the first novel in M.H. Sargent's popular MP-5 CIA series. The other novels include The Shot To Die For, Operation Spider Web, The Yemen Connection, Alliance of Evil and The Birdwatchers. Sargent has also written a murder mystery set during WWII, Toward Night's End.***Includes bonus excerpt from Sargent's next book, The Shot To Die For***
==================================================Night of the Assassin (Assassin series) [Kindle Edition]
http://www.amazon.com/Night-Assassin-ebook/dp/B006M5L5JC/ref=sr_...
Pub. 9/19/12Night of the Assassin is the second book in the Assassin series, and is the gritty, edge-of-your seat prequel to King of Swords. A no-holds-barred, breakneck-paced thriller, Night charts the early years of El Rey - known as the King of Swords - a super-assassin responsible for some of the world's most spectacular and daring executions.Framed against the backdrop of present-day Mexico's brutal narco-trafficking violence, Night of the Assassin chronicles the making of a monster - a cold-blooded, ruthless killing machine. Raw, disturbing, edgy and unflinching, this epic saga defies convention to create a roller-coaster of intrigue, suspense and thrills that will leave even the most jaded thriller aficionados gasping for breath.Best if read after King of Swords, Night was written to provide background on El Rey, with the assumption that the reader is already familiar with the events in King of Swords===========================================================
The Book of Sight [Kindle Edition]
http://www.amazon.com/The-Book-of-Sight-ebook/dp/B00BZWWJI8/ref=...
Pub. 3/22/13Book One in The Book of Sight SeriesA book can be a wonderful gift.When Alex received an unexpected package, she never dreamed the book it contained
would change her life forever. After all, the words inside were gibberish.She had no idea the places that book would take her, the friends that book would help her
make or the wonders that book would reveal.She had no clue the trouble that book would bring, either.A book can be a dangerous gift.
==================================================MAINTENANCE MAN II [Kindle Edition]
http://www.amazon.com/MAINTENANCE-MAN-II-ebook/dp/B008257Q4I/ref...
Pub. 5/10/12MAINTENANCE MAN II
MONEY, POLITICS AND SEX...EVERYONE HAS A PRICEIn Maintenance Man II: Money, Politics and SexEveryone Has A Price Baisden builds upon the saga of his former main character, Malcolm Tremell, a gigolo who first came to life in Baisdens 1999 release The Maintenance Man. The Maintenance Man saw the author gain notoriety for unapologetically disclosing the lifestyle of a man who rendezvoused for pay with married women. The original Maintenance Man followed a litany of releases, including Men Cry In The Dark, Gods Gift To Women, Do Men Know What They Want and solidified his stance as one of the most successful self-published male authors on the literary scene. With Maintenance Man II, Baisden broadens the storyline as Tremell comes out of retirement to not only rebuild his contact list of high-end female clientele, but also franchise a male escort service worldwide. Intrigue, drama and danger quickly come into play when Tremell liaisons with the wife of a powerful and corrupt Republican senator. When they unwittingly uncover the senators underhanded deal with the powerful Kross brothers for political control, Tremell will have to tap his military training and street smarts to not only save his life, but also those closest to him.Baisden, once again educates as he entertains, brilliantly engaging his readers. Utilizing Malcolm Tremell as the ultimate Renaissance man protagonist, he brazenly unveils several harsh and dark realities behind the current political process. He skillfully touches on some of the most critical political issues to date, including voter suppression as well as corporate greed, seamlessly interspersing them between a romantic and politically charged plot. The novels tone is captivating and inviting, whisking the reader into a non-stop escapade of sex, action and adventure.After years of being out of the gigolo lifestyle, Malcolm has to rebuild his list of contacts and high-end clientele. But he still has his good looks, his Rolodex, and his reputation. This time he vows that nothing will stand in his way of getting back on top and creating a franchise of escort services worldwide. He disguises his gigolo lifestyle as a nightclub owner in Miamithe perfect cover to mix business with pleasure.
=================================================What is Gluten Free Covering the A to Z of Gluten Free [Kindle Edition]
http://www.amazon.com/What-Gluten-Free-Covering-ebook/dp/B00A4FO...
Pub. 11/8/12What is Gluten Free is an easy to follow guide that will help you to understand the categories of gluten intolerance. The list of symptoms that are reported from people suffering from various forms of gluten intolerance is truly staggering. Another sad statistic is the amount of people that go undiagnosed from having one of the forms of the illness. What's more disheartening is that these people need only to go on a gluten free diet to virtually eliminate these nasty symptoms that are reeking havoc on their body systems.After covering the basics of what it means to be gluten free, you'll learn what it really takes to live day to day with gluten sensitivity or with Celiac disease. We'll cover the many foods and products that contain gluten and of course what foods are gluten free. You may be surprised to find out about some of the options that are now available for gluten free cooking in the home, as well as when we're on the go. With today's fast paced and often hectic schedule, many people simply don't have time to plan and cook gluten free meals everyday of the week. So when your on the go, you will learn how to find gluten free restaurants and when that isn't an option, you'll learn what to do when you don't have a gluten free menu. Traveling on vacation, or on holiday are covered too.Many people think that living a gluten free lifestyle is a huge expense that will severely impact your budget. We've got two chapters devoted to this topic alone. Learn the tips and tricks to saving money when you go out to buy gluten free products. We'll also share a very unique way to save real dollars that will add up quickly, thus making living gluten free easier than you ever thought possible.Other questions answered in 'What is Gluten Free' eBook...Are there health benefits to living gluten free?
If I'm not gluten intolerant, is a gluten free diet bad for me?
What are the triggers that might cause a person to have Celiac disease or gluten sensitivity?
Why is Celiac disease or gluten intolerance often misdiagnosed?This publication is a must read for anyone who is interested in maintaining good overall health and well being.
--------------------------------------------The Diet Dropout's Guide to Natural Weight Loss: Find Your Easiest Path to Naturally Thin
http://www.amazon.com/Dropouts-Guide-Natural-Weight-ebook/dp/B00...
Pub. 1/1/13This book isn't about the latest celebrity diet, wonder food, or miracle supplement. It's about creating a personalized weight loss planyour own easiest path to naturally thin. While you can lose weight with almost any diet, keeping the weight off is much more difficult, requiring permanent changes in eating and exercise habits. This book provides a science-based approach for making those changes in a way that works best for you, without wasting time, money, or effort.Dr. Spencer explains why we gain weight and why the fat lost by dieting almost always comes back. He then presents an array of practical weight loss tools for controlling emotional eating, calming cravings, boosting metabolism, and improving nutrition and exercise. In the final chapter he has you create a natural weight loss plan based on your unique set of needs, abilities, and preferences. Simple recipes are provided for weight loss foods that reduce cravings and prolong satisfaction. What this book offers is a solid approach to weight lossself-directed, gradual, and lastingin contrast to the quick but fleeting weight loss offered by most one-size-fits-all diet plans.
========================================================5-Minute Miracle Exercises: Lose 5 Pounds in 2 Weeks - Only 5 Minutes a Day! (w/extras if you have a Kindle fire
http://www.amazon.com/5-Minute-Miracle-Exercises-Minutes-ebook/d...
Pub. 6/21/11Newly Updated & Expanded for 2013 - 12 FREE Bonus Reports Included! If you would like to lose a solid 5 pounds in the next two weeks while exercising just 5 minutes per day (and without changing your diet), then this book by Jennifer Jolan will show you how.The book is here and entitled: "5-Minute Miracle Exercises"And it contains two secret exercises (you will probably never see any of today's "fitness gurus" talk about) that promote quick fat loss even if you don't change a thing about your current diet.
--------------------------------------------------The Truth About Butterflies: A Memoir [Kindle Edition]
http://www.amazon.com/The-Truth-About-Butterflies-ebook/dp/B005F...
Pub. 8/2/11They belong to each other, Nancy and Nicole--mother and daughter. They're two halves of a whole, two facets of the same breath--until the day Nicole exhales. . . and never inhales again. After the death of her daughter, and quickly losing her own battle with grief, Nancy decides to move from the house she can no longer bear to live in. While packing, she comes across a box in the attic. Inside this box, Nancy uncovers treasures she didn't know existed and evidence that her and her daughter's lives had been more divinely entwined than she could've imagined.The Truth About Butterflies is a true story of grief, hope, and transformation, and a single enduring truth: Life cannot be restrained by death.
==================================================Harriet Tubman - The Moses of Her People [Illustrated]
http://www.amazon.com/Harriet-Tubman-People-Illustrated-ebook/dp...
Pub. 10/25/08Harriet Tubman was an African-American abolitionist, humanitarian, and Union spy during the U.S. Civil War. After escaping from captivity, she made thirteen missions to rescue over seventy slaves using the network of antislavery activists and safe houses known as the Underground Railroad. She later helped John Brown recruit men for his raid on Harpers Ferry, and in the post-war era struggled for women's suffrage.Born into slavery in Dorchester County, Maryland, Tubman was beaten and whipped by her various owners as a child. Early in her life, she suffered a traumatic head wound when an irate slave owner threw a heavy metal weight at her, intending to hit another slave. The injury caused disabling seizures, headaches, and powerful visionary and dream activity, and spells of hypersomnia which occurred throughout her entire life. A devout Christian, she ascribed her visions and vivid dreams to premonitions from God.In 1849, Tubman escaped to Philadelphia, then immediately returned to Maryland to rescue her family. Slowly, one group at a time, she brought relatives with her out of the state, and eventually guided dozens of other slaves to freedom. Traveling by night and in extreme secrecy, Tubman (or "Moses", as she was called) "never lost a passenger". Heavy rewards were offered for many of the people she helped bring away, but no one ever knew it was Harriet Tubman who was helping them. When a far-reaching United States Fugitive Slave Law was passed in 1850, she helped guide fugitives further north into Canada, and helped newly-freed slaves find work.
======================================================Hugh Young's Ten Golden Rules of Equity Investing [Kindle Edition]
http://www.amazon.com/Youngs-Golden-Equity-Investing-ebook/dp/B0...
Pub. 12/14/12Hugh Young is a star fund manager at Aberdeen Asset Management, with over 25 years' experience and a dazzling record of returns. He has marshalled Aberdeen portfolios through numerous market cycles, and in this eBook reveals the secrets of his success, accompanied by the witty illustrations of cartoonist Fran Orford.--------------------------------------------------------------------------------Tales of the Revolution: True Stories of People who are Poking the Box and Making a Difference [Kindle Edition]
http://www.amazon.com/Tales-Revolution-Stories-Difference-ebook/...
Pub. 4/19/11Early in March, The Domino Project published Seth Godins Poke the Box. We Immediately received stories about people taking initiative in their own lives - doing things differently at work or with their families, taking initiative in places they were scared to. Prompted by the number of inspiring stories we received, we launched Tales of the Revolution, profiling examples of passionate self-starters who regularly went above and beyond to make a difference by doing. This free Kindle edition is a sampling of the hundreds of stories we received. Each one could be just the right inspiration for you to keep poking.
=======================================================Blogging Made Simple: Powerful Strategies For Blogging Success! [Kindle Edition]
http://www.amazon.com/Blogging-Made-Simple-Strategies-ebook/dp/B...
Pib/ 4/12/12Blogging Made Simple is a powerful blogging guide. Learn from two of today's best known bloggers who have built high-traffic blogs that support multiple streams of income and a growing list of avid followers. In Blogging Made Simple: Powerful Strategies For Blogging Success, you'll learn the fundamentals of starting your own blog as well as step-by-step instructions on how to develop engaging content, build a growing list of blog followers, effective strategies for monetizing your blog, and little-known strategies for getting your blog ranked #1 on leading search engines. Co-authors Michael H. Fleischner and Justin Fried have been blogging for well over a decade and launched many successful blogs (ex: The Marketing Blog) that reach more than 10,000 followers. If you want to achieve blogging success - creating a popular blog that allows you to position yourself as a leading authority in your niche and drives residual income while you sleep, then don't miss out on this one-of-a-kind blogging resource! In this guide you'll learn powerful blogging secrets including:
--How to start your very own personal or professional blog for FREE
--Strategies for taking a casual blog and turning it into a money-making machine
--How to select a blogging platform that meets your blogging goals: WordPress, Blogger, Tumblr
--Powerful techniques for developing engaging content for your blog on a daily, weekly, and monthly basis
--Outsourcing strategies that allow your blog to run on autopilot even while you sleep
--Optimization secrets that propel your blog to the top of Google, Yahoo!, and Bing
--Proven monetization strategies that provide multiple streams of income
--Promotional techniques that send tons of hungry visitors to your blog again and again
--And much, much more
========================================================WordPress Websites Step-by-Step - The Complete Beginner's Guide to Creating a Website or Blog With WordPress [Kindle Edition]
http://www.amazon.com/WordPress-Websites-Step---Step-ebook/dp/B0...
Pub. 1/4/13Have you ever wanted to create a website but found it too complicated or confusing?
WordPress is the single most popular way to create a website or blog. It's used by Fortune 500 companies, small businesses, authors, photographers, bloggers and non-profits to build a professional websites easily.You can do the same - and you don't need to be a computer expert or web geek.What you'll learn in WordPress Step-by-Step:
How to choose a great domain name and get good value, reliable web hosting
How to install WordPress in a few mouse clicks
How to publish posts and pages with correctly formatted text
How to give your website a professional touch by using images and videos
How to customize your web design without needing to be a programmer
How to extend your site even further with "plugins"
How to use Search Engine Optimization to get found by Google
How to keep your website secure
How to solve the most common WordPress problems
...and lots more.There's also a bonus chapter on getting the first visitors to your site, along with additional video tutorials by the author. Plus, the book is packed with links to additional resources and free design themes and plugins to help you build a website on a budget.Clear explanations and over 55 images of the admin screens and tools mean you can see exactly how to do everything. No more head-scratching or frustration!After reading this book you'll have a unique, professional and easy-to-use website to be proud of - and you'll have created it yourself! Whether you want to build a simple website for your company or organization, make money with a blog or a full online store, this non-geek guide will get you online quickly - saving you time and frustration.
========================================================Asian Recipes - 50 Tasty & Easy Made Unique Exotic Recipes (With Images Of Each Dish And Chef's Note) [Kindle Edition]
http://www.amazon.com/Asian-Recipes-Unique-Exotic-ebook/dp/B0087...
Pub. 5/28/12Asian food is a multi-faceted and diverse as European food. While neighboring countries share some common ingredients and cooking styles, Asian countries have developed cuisines that are uniquely their own. Sampling the food of each is truly an adventure.Each country has its own food history much influenced by its culture, religion and past. Vietnamese food for example, retains the flavors of centuries of French occupation. The food in Philippines has the taste of Spanish and American accents while in Malaysia and Indonesia which are Muslim countries, pork meals are almost completely eliminated off the menu.Many of these recipes were guarded as important family secrets and carefully passed down from one generation to another. Asian cooking has enormous potential in modern times, as Asian food chains are springing up all over the world very rapidly, whilst enjoying immense popularity.In this appetizing book, you will find an inspiration not only for your daily dishes, but for almost every occasion which calls for something savory - Asian style/dish/cuisine. All the recipes included in this book are considered classics, and have proven so popular over the past years. Every single recipe has been tested time and again, both by me and by hundreds of my cooking students.The recipes have been divided by Asian regions. Each chapter contains top recipes which will help you find exactly what you are looking for.They are all authentic and thoroughly tried and tested. By following simple, clear and straightforward instructions, you will find a recipe that will suit your needs and wants to the littlest details. Most of the recipes use basic cooking techniques which can be prepared with only a few pots and utensils.This recipe book will help you cook Asian food with confidence and pleasure that you thought you could not make in your own kitchen. More importantly, it will provide you with all the answers to the problem of ''What shall we have for breakfast, lunch or dinner?'' and you will discover that Asian cooking is so rewarding and fun. So, this book contains The Best Traditional Asian Recipes for you to make and enjoy at home. You will discover that Asian cooking is so rewarding and fun and also there are 50 mouth-watering recipes accompanied with dish images for you to savor from 10 different countries.
========================================================Homemade Ice Cream Recipes - 35 Easy Recipe for Ice Cream [Kindle Edition]
http://www.amazon.com/Homemade-Ice-Cream-Recipes-ebook/dp/B008M9...
Pub. 7/16/12The 35 Easy Ice Cream Recipes contains ice cream recipes to fill your summer days and are the perfect accompaniment to a hot day. Ice cream is always a popular dessert at any time; birthdays, holidays and any special celebration days. Making homemade ice cream is very fun and don't worry if you are new to making ice cream, I have included information needed in order to get you started.
================================================Ultimate Vegetarian Recipes From BeWellBuzz: Delicious And Nutritious Meals That Buzz With Taste And Vitality
http://www.amazon.com/Ultimate-Vegetarian-Recipes-BeWellBuzz-ebo...
Pub. 3/25/13Whats With All Of The Buzz About This New Vegetarian Recipe Collection?If youre a fan of "Forks Over Knives," have devoured The "China Study" or consider yourself a "Happy Herbivore," then you are going to love this new collection of vegetarian recipes from renown health experts Larry and Oksana Oz from the popular "Be Well Buzz" natural health website and community.
Unfortunately, many other vegetarian recipe books are packed with unhealthy foodstuffs that fall short of optimum nutrition says co-author Larry Oz (pictured on the left)...So weve compiled some of our favorite vegetarian dishes and used only whole foods and ingredients proven to promote health heal the body.Whether youre vegetarian, vegan, or lacto-ovo, youll find sensational recipes that youll enjoy alone or with friends, who will wonder how you made such an amazing meal!In addition to a handy ingredient-substitution guide to make any vegetarian recipe healthy, Larry and Oksana show you what foods to avoid at all costs, even if you thought you were eating healthy before.Then youll discover over 40 amazing and delicious vegetarian recipes:
*Appetizers
*Side Dishes
*Stews
*Soups
*Stir Fry
*Veggie Fajitas
*Casseroles
*And Tasty Toppings*EXCLUSIVE KINDLE BONUS INSIDE = Readers will also get a free video training revealing the 6 Blood Tests Your Doctor May Refuse To Give You (And Why) Which May Save Your Life Or Restore Your Health included exclusively inside your Kindle purchase.
=======================================Starcraft: Kerrigan - Hope and Vengeance #0 [Kindle Edition] (dc comics Graphic novel)
http://www.amazon.com/Starcraft-Kerrigan-Hope-Vengeance-ebook/dp...
Pub. 3/6/13No single human being has been more inseparably tied to the twisted destinies of the terran, protoss, and zerg races than Sarah Kerrigan. She has risen from the ranks of soldier and rebel to become the unstoppable Queen of Blades, supreme ruler over a race of bloodthirsty aliens. But now she has fallen from her seat of power and been taken in by those who wish to separate the woman from the monster--a task which may be more difficult than it was to dethrone her.Take a look inside the mind of one of the greatest villains in gaming history and prepare yourself for StarCraft 2: Heart of the Swarm with this explosive new comic from Blizzard Entertainment, Kerrigan: Hope and Vengeance.
=====================================================Bonded (Prequel to The Mating) [Kindle Edition]
http://www.amazon.com/Bonded-Prequel-The-Mating-ebook/dp/B00BT0J...
Pub.
Renos a tough Enforcer for Lycan Link who finds himself drawn to Brandi but duty rules his life. Brandi, just on the edge of starting her career as a Disaster Control officer, falls for Reno at first sight, but are they really meant to be? Is it love or lust and does it really even matter? Enforcers and DCs don't get along...unless fate forces them to. Bonded precedes The Mating.========================================================
The Keeping (Sequel to The Mating) [Kindle Edition]
http://www.amazon.com/The-Keeping-Sequel-Mating-ebook/dp/B00BTID...
Pub. 3/12/13// Ryne Taylor was a sexy bad-ass Alpha set on establishing a new pack. Melody Greene was a journalism student researching his work as a photographeror so she said. But could Mel really be trusted or had she stumbled upon his secret? And if she knew, could Ryne save himself and the pack hed left behind without enacting a deadly ancient law known as The Keeping? Sequel to The Mating.
=========================================================A Cold Day for Murder (Kate Shugak #1 by dana Stabenow)
http://www.amazon.com/Cold-Murder-Kate-Shugak-ebook/dp/B004S87M9...
Pub. 3/15/11Somewhere in the hinterlands of Alaska, among the millions of sprawling acres that comprise The Park, a young National Park Ranger has gone missing. When the detective sent after him also vanishes, the Anchorage DAs department must turn to their reluctant former investigator, Kate Shugak. Shugak knows The Park because shes of The Park, an Aleut who left her home village of Niniltna to pursue education, a career, and the righting of wrongs. Kates search for the missing men will take her from self-imposed exile back to a life shed left behind, and face-to-face with people and problems she'd hoped never to confront again. The first novel in the popular Kate Shugak Series, A Cold Day for Murder established Dana Stabenow as a new voice in Alaskan mystery writing, and earned her an Edgar Award.
=============================================================ARG...I'm having problems formatting this a.m., and the info on this one disappeared - I'll try to hunt it down again, but if you do, that's great too -  You'll see the difference in the mirror by the 2nd week (losing AT LEAST 5 pounds -- if not more -- of fat).All with two (really simple) exercises and without leaving your home (you can even do these exercises during TV commercials, if you choose).

Here are some of the benefits of this "miracle" exercise program:No equipment necessary (they're free!)No long, grueling workouts to fit into your day (again, you can do them during TV commercials if you want)
No tedious jogging, "power walking" or treadmills needed. Can be done at any time you want (whenever is convenient for you!)
Works fast -- see results in the mirror in as little as 2 weeks or less
Burns fat instead of muscle (most "cardio" burns muscle -- which is why long distance runners have a sickly, "stringy" look to them)Scientifically proven to work for all kinds of women, with all kinds of body types and metabolisms
Gives you a flat tummy and a tight, sexy "J-Lo" butt
Go at your own pace (100% safe!)
The benefits of these two exercises are incredible -- they're fast, they're simple and they sculpt your body like no other exercises can, and in a fraction of the time. The exercises are simple, but not necessarily "easy." They only take 5 minutes per day and you don't have to change your diet at all.2 FREE BONUS REPORTS INCLUDED IN THE KINDLE FILE:Natural Detox - 8 Cheap Ways to Detox and Cleanse Your Body
15 Healthy Snacks for Weight Loss
10 Additional FREE Bonus Reports at a Special Link on the Last Page of the
Kindle File:
1.How to Lose Weight Spinning in a Circle like Kids
2.The 20-Second Bathroom Trick for a Super-Charged Metabolism and a Flood of Energy
3.One Tablespoon of this $6 Supplement Detoxes 900 Yards of Toxins from Your Body
4.Do-It-Yourself Face-Lift: How to Look 5 Years Younger in 2 Weeks - Got 5 Minutes a Day?
5.The 50-Cent Miracle Weight Loss Food You're Not Eating
6.#1 Cheap Supplement that Reverses Gray Hair & Infuses Health into Your Body
7.How to Get Rid of Allergies in 90 Seconds with Water
8.The Ultimate 3-Second Fountain of Youth "Neural" Fat Loss Exercise
9.The 15-Second "T-Tap" for Overcoming Hypothyroidism & Sluggish Energy
10. How to Make Healthy Ice Cream in 2 Minutes and Other Sweet Surprises!=======================================================Invisible [Kindle Edition] (YA)
http://www.amazon.com/Invisible-ebook/dp/B00BEQZBYE/ref=sr_1_13?...
Pub. 2/11/13Jazmine Crawford doesnt make decisions. She doesnt make choices. She doesnt make friends. Jazmine Crawford only wants one thing: to be invisible. For Jazmine, its a lot easier to take out her hearing aid and drift along pretending that nothings wrong than it is to admit that shes heartbroken about her dad dying. Shes been drifting and ignoring her over-worried mum for four years now.
When bad girl Shalini and her mates adopt Jazmine, she quickly finds herself involved in more than she can handle. Sitting in disgrace in the principals office, Jazmine is offered a choice: help drama teacher Miss Fraser in the upcoming production of The Secret Garden or face a four week suspension.
Its Miss Fraser who clinches the decision. I believe in you Jazmine, she says. I know you can do this. And Jazmine, terrified, disbelieving and elated all at the same time, joins the play.
For a while its all good. Drama star and chocolate lover Liam is friendly and Jazmine realises that making friends, talking to her mother and feeling her emotions isnt as scary as she thought. In a final happy twist of fate, acting diva Angela quits the play and with only a week to go, Miss Fraser asks Jazmine to take on the main role of Mary.
But then Shalini returns from her suspension. Shes out for payback, and she has just the ammunition she needs to force Jazmine to quit the play and go back to her old ways.
Will Jazmine be confident enough to stand up for herself against Shalini? Will Liam still like her if he finds out who she really is? And does she have the strength to face the truth about her fathers suicide?
===========================================Betrayed: Days of the Rogue [Kindle Edition]
http://www.amazon.com/Betrayed-Days-Rogue-ebook/dp/B00BSX4U04/re...
Pub. 3.11.13His mate killed in a horrific explosion, ex-Enforcer Damien Masterson now lives as a rogue werewolf. Grief stricken and filled with rage, what depths will he sink to in his search for revenge? And who will be caught in the crossfire? Will it be Eve, a Fae just entering the Awakening stage? Or Rafe McRae, part empath and part wolf? Its been said that a rogue Enforcer is too dangerous to be allowed to roam. A suspense driven story of love, betrayal and revenge, this latest addition to the Law of the Lycans series is the sequel to Bonded.
===========================================================
Kindle Books 4/4/13
Added on : Thursday April 04th 2013 06:00:39 AM
A mix of new & old & genres. Only guaranteed FREE at time of posting. Hopefully more later, heading for work now!The Thirteenth Unicorn (The Ben Alderman Series) [Kindle Edition]
http://www.amazon.com/Thirteenth-Unicorn-Alderman-Series-ebook/d...
Pub. 1/8/11While spending the summer with their grandparents on a remote farm in South Carolina, Ben Alderman and his sister Casey uncover a hidden world of magic; a world their grandmother is secretly visiting. It is a world where elves and dwarves are locked in mortal combat against a witch who is trying to free the last surviving wizard from exile. The witch has been defeated once before but with the combined power of the wizard, no one will be able to stand against them. Much to Ben's dismay, he learns that he is the one foretold in the ancient elfin prophecies to bring about the downfall of the witch and save this exciting new world from destruction.
==============================Trail of Bones: A Young Adult Fantasy Novel (An Epic Fantasy Adventure For Any Family) [Kindle Edition]
http://www.amazon.com/Trail-Bones-Fantasy-Adventure-ebook/dp/B00...
Pub. e/q/qeReady for a new adventure? Are you a fan of fantasy, young adult, science fiction and action stories?No mercy, No rules - Welcome to the Trail of Bones!Run with Purpose battle cry of the Shade Wolves Magnus, the runt of a litter of Shade Wolves, wants nothing more than to be a loyal, strong member of the pack. But when an ancient enemy threatens his friends and family, he faces a choice that could tear him from all he's known and loved.Born in captivity, the giant panther Kelor knows nothing but suffering and loss. He struggles to find his place in this world of terror, and he battles to protect his family without succumbing to the darkness lurking inside him.Falling captive to the evil Warden, the two are forced to fight in the battle of the beasts known as 'The Trail of Bones'. How will Kelor and Magnus learn to work together? How will they escape a fate of despair and death? How will their choices affect their comrades? Their enemies? And the forgotten magic that could doom all life of their world?Let the adventures begin! A fun, exciting, clean read for teens, young adults, adults and readers of all ages. Pick up your copy of this fantasy adventure today!
====================================================The Last Objective [Kindle Edition] by Bruce E. Prendergast
http://www.amazon.com/The-Last-Objective-ebook/dp/B00C2YUDIG/ref...
Pub. 3/27/13There's a mole within a United States Air Force Research Laboratory. Aldridge Ames never failed a lie-detector test, why should I? It's three weeks since the power grid failed. Unable to communicate with his military leaders except by telephone, with phone systems failing as battery backups expire, President Wiskin calls upon a team with Jason Bourne's skills and MacGyver's ingenuity: Jimmy Bancroft and Tom Dillon. Their mission: deliver the President's nuclear football to Minot Air Force Base, North Dakota and retaliate against the Chinese. Their journey isn't without peril. They fight off marauding motorcycle gangs preying on refugees, in an apocalypse world where rogue CIA agents set the rules of engagement.
==========================================================Impact Player: Leaving a Lasting Legacy On and Off the Field [Kindle Edition] Bobby Richardson (Author), Joe Girardi (Foreword, Contributor), David Thomas (Contributor)
http://www.amazon.com/Impact-Player-Leaving-Lasting-ebook/dp/B00...
Pub 8/17/12
Former Yankee Bobby Richardson played alongside Mickey Mantle, Roger Maris, Whitey Ford, Joe Pepitone, and Yogi Berra during one of the most prolific dynasties in baseball history, and he remains to this day the only player from the losing team ever to be named World Series MVP.In Impact Player, Bobby shares his life story, including never-before-told tales from the Yankee clubhouse during the historic 55-65 pennant runs and World Series appearances. The book also features the unlikely friendship Richardson, a devout and outspoken Christian, shared with Yankee legend and renowned drinker and womanizer, Mickey Mantle.The perfect combination of faith and baseball, Impact Player offers a rare glimpse into one of the most celebrated dynasties in the history of the game, and it paints a fascinating portrait of a life well-lived and the lasting rewards that come from knowing and loving God.
========================================================Up From Slavery: An Autobiography [Kindle Edition] by Booker T. Washington
http://www.amazon.com/Up-From-Slavery-Autobiography-ebook/dp/B00...
Pub. 10/2/12Booker T. Washington (1856 - 1915) was born a slave but would later become one of the most influential black men in United States history. Washington advocated peaceful protest and believed violence would hurt the chance for African-Americans to secure civil rights. W.E.B. Du Bois, another famous writer and civil rights activist in the early 20th century, believed in stronger protests. Though both men went about things different ways they both are still well read today and recognized for helping African-Americans get civil rights.This version of Up From Slavery: An Autobiography includes a table of contents.
======================================================Caveman Farts: The Story of the First Stinky Fart (The Disgusting Adventures of Milo Snotrocket) [Kindle Edition] (children)
http://www.amazon.com/Caveman-Farts-Disgusting-Adventures-ebook/...
Pub. 2/26/13FREE Audiobook Inside!That's right...For a limited time you can download a FREE bonus MP3 audiobook version of J.B. O'Neil's brand new "Caveman Farts - The Story of the First Stinky Farts" with your purchase of this Kindle ebook. You and your kids will laugh out loud as you listen to this fart-tastic audiobook (over 20 minutes long...complete with disgusting sound effects!). That's twice the farting fun -- Grab this book and get this bonus audiobook FREE while it's still available !From #1 Bestselling Author J.B. O'Neil!Ready to laugh your butt off? Milo Snotrocket is back and stinkier than ever in this hilarious new episode to the #1 Best-Selling "Fart Book" series.Here's what readers are already saying about the side-splitting, bottom-burping Fart Books:"I haven't heard my daughter laughing and giggling that much since she stared school. Thank you J.B O'Neill - I will definitely get all your books to keep my child laughing." ~ Lisa D.
==================================================No Way Out - And Other Scary Short Stories [Kindle Edition] (children/teens)
http://www.amazon.com/No-Way-Out-Stories-ebook/dp/B00513D9HW/ref...
Pub. 5/15/11Includes two free additional short stories.
That's three 'terrorific' short stories for kids and teens at one low price.No Way out - Mike takes a bet to go inside a haunted house, but will he live long enough to collect?Also includes:
The Price of Friendship - How much is a best friend worth? Joey finds out the hard way.Hobgoblin Horror - Jake only volunteered at the retirement home because Shelby works there. So, it's no wonder he's doesn't hear Mr. Fitches' warnings about a local homicidal hobgoblin--too bad for him.
Includes a free extended preview of Super Zombie Juice Mega BombPraise for the Author:
"...master of mid-grade horror, M.J.A. Ware's tales are told in a pleasantly chatty first-person style, the voice convincingly that of a young teen put-upon by sisters, brothers, parents, friends and the rest of the world... until the rest of the world jumps in with scares aplenty." --Sheila Deeth, Author, blogger, and reviewer.================================================Success Takedowns: How to profit from your ideas the right way [Kindle Edition]
http://www.amazon.com/Success-Takedowns-profit-ideas-ebook/dp/B0...
Pub. 3/2/13Success Takedowns is a book that aims to help you take down and tackle every bit of hurdle towards online success. Straight from the beginning to the end, this book will tell you the correct steps so you wouldn't be taken down by anyone anymore. From personal experience, this book is written by an author with more than 10 years of experience with online marketing, seo, programming, web-developing and advertising.
==================================Lunch in a Flash (Fast Food From Home) [Kindle Edition]
http://www.amazon.com/Lunch-Flash-Fast-Food-ebook/dp/B007GGKPSS/...
Pub. 3/2/12Buying lunch gets expensive. Taking or making lunch can get boring and repetitious.until now.Lunch in a Flash costs less and tastes better than buying your lunch every day. And with all the different ways to quickly make your lunch, you can look forward to new ways to enjoy your lunch breakat home or at work.A variety of preparation times are available for quickly making your lunch for today or making lunches ahead of time to quickly have it available on another day.This isnt a free lunch, but it may feel like it when you enjoy what youve made!
==============================================An Innocent Client (Joe Dillard Series No. 1) [Kindle Edition] by Joe Pratt
http://www.amazon.com/Innocent-Client-Dillard-Series-ebook/dp/B0...
Pub. 10/22/12A preacher is found brutally murdered in a Tennessee motel room. A beautiful, mysterious young girl is accused. In this Mystery Readers International finalist for "Best Debut Mystery," criminal defense lawyer Joe Dillard has become jaded over the years as he's tried to balance his career against his conscience. Savvy but cynical, Dillard wants to quit doing criminal defense, but he can't resist the chance to represent someone who might actually be innocent. His drug-addicted sister has just been released from prison and his mother is succumbing to Alzheimer's, but Dillard's commitment to the case never wavers despite the personal troubles and professional demands that threaten to destroy him. "Pratt's richly developed characters are vivid and believable, especially the strong Southern women who fight their male-dominated culture from behind a facade of vulnerability in this brilliantly executed debut." -- Publisher's Weekly "Its Scott Turow and Grisham... The opening chapter is maybe the most compelling Ive read in a decade. Ken Bruen Smart and sophisticated, with a plot twist that will leave you shaking your head in wonder, "An Innocent Client" -- the first in the acclaimed Joe Dillard series -- will also leave you begging for more.========================================================
How To Stop Procrastinating And Live The Life You Choose (Workbook Included) (The Human Rhythm Formula) [Kindle Edition]
http://www.amazon.com/Procrastinating-Workbook-Included-Formula-...
Pub. 3/1//13***INCLUDING WORKBOOK ****** ALSO A GREAT TOOL FOR COACHES...
When given this book, my clients achieved breakthroughs in half the time.Discover your personal rhythm and lead the life you choose - WITHOUT PROCRASTINATING.
- Learn a quick fix for procrastinating you can apply in just 0.5 SECOND
- Be FREE of PROCRASTINATION, fear, anger, failure, inaction, anxiety, & self-criticism
- Increase your self confidence and personal effectiveness exponentially!
- Know how to apply the secret HUMAN RHYTHM FORMULA: Re = P/E
In PART 1, each of six self sabotaging dance steps is illustrated with rhythmic descriptions, symptoms, real life examples. Why six? because we all use at least three of them!
Contents:
Introduction - What's in it for you
- Your expected outcomes include...
PROCRASTINATION and the other 5 Sinister Steps of Self-Sabotage
- The Facts Up Front
- 1. Lingering limbo - dance of Procrastination
- 2. Worrying Waltz - dance of Anxiety
- 3. Critical Cha Cha - dance of Self-Criticism
- 4. Soft Shoe Shuffle - dance of Avoidance
- 5. Punishing Paso Doble - dance of Aggression
- 6. Toxic Tango - dance of Frustration
- 7. Positive Polka - dance of Productivity This is the starting point for you to take real, life-evolving action, transform the way you think and act, and STOP PROCRASTINATING NOW.Included in PART 2 are action boxes and worksheets for you to progressively identify and record your own unique experiences and insights as you move towards OVERCOMING YOUR PROCRASTINATION.
Contents:
YOUR Human Rhythms
- We all dance to the same tune, but differently
- Your centre of Gravity
- The Need For Internal Rhythm
- Finding Your Own Core Rhythms
- A Sack of Dirt and Water That Can Think
- An Exercise in Applying Your Core Rhythms
- The Human Rhythm Model
- Bringing It All Together - You Have Choice
- The Secret Formula to Beat Self- Sabotage
- Key review Points - Beating Self-Sabotage
- Your New D-A-N-C-E: the RHYTHMIC RUMBA
turn commercial account into wealth management opportunity?
Added on : Wednesday April 03rd 2013 11:01:16 PM
hello I have a question for professionals,and students, working in global capital markets, wealth management, and investment banking. I have about a year of personal investment trading experience however I think I would like to work in wealth management and begin as a junior associate. I have found a small business commercial account that currently has little to no management and is seeking investment guidance.I understand the account is a commercial business-institutional account, yet I'm personally trying to enter into another area of the finance industry. I would like to turn this account into a wealth management or private equity opportunity for myself and maybe get my foot in the door to jump start my career. I'm trying to think of different ways to market myself and stand out as an applicant. I know bringing an account to a firm is an asset that many applicants may or may not have, however I realize that many firms may not place much value on a commercial account. I'm trying to think of different ways to display my potential and what I can offer a firm. I know I need to bring a plan, and a through understanding of how I can benefit the firm. I feel like I have to bring more than just recommendations on how to manage the account. I know that I can discuss the potential investment portions of the account, that I would be bringing in, as well as the products and methods that their firm can offer the account. However, they already know what they offer and how to manage accounts, and it's probably expected that an applicant be familiar with a firm's products and investment techniques. I'm really not sure how to approach the situation. I'm not sure what it means to bring in a account to a firm and how I can use that to my advantage. Any helpful thoughts are appreciated.
Hourly rate equivalent for salaried jobs?
Added on : Wednesday April 03rd 2013 09:01:12 PM
I know alt ID's are generally frowned upon but too many people in my family know my user name and I don't want them knowing my salary.I have been thinking about a career change. My job is pretty stable and not too stressful, but at the same time not in the area I want to spend the rest of my career in. I have been with the same bank and division within the bank for ~13 years. However, as I've started paying attention I have started to notice that a lot of people I know who have mid-level executive jobs work quite a few more hours than I typically do.My current job is for a Top 5 bank and I make ~$95K/year, (who wouldn't like to get paid more, but in all honestly it is enough money for me).However, I typically work 42-45 hours/work for an hourly wage of $40.50-$43.50. I have 2 small kids and its not worth it to say take a pay increase of say $20K if it means working 10 more hours a week (effectivly dropping my hourly wage)
So for those of you with corporate jobs how many hours/week do you work? (I know I'm going to get some self-employed people who either work 20hrs/week and make $100K or 80 hours/week and make 20K - really interested in the corporate situations to see how my current role stacks up and if the trade offs are worth it.
Bloomberg BusinessWeek 3 Years, 162 Issues $24.99
Added on : Thursday March 28th 2013 01:00:03 PM
Each issue of BusinessWeek features in-depth perspectives on the financial markets, industries, trends, technology and people guiding the economy. Draw upon BusinessWeek's timely incisive analysis to help you make better decisions about your career, your business, and your personal investments.12 hours only! Bloomberg Businessweek Magazine$24.99 / 162 Issues
Normally: $249.50 | 80% Off Includes Digital AccessDiscount Mags link here
Bloomberg Businessweek Coupons
People don't remember it now but Frank Sinatra's career was in free fall for a couple of years before he signed to Capitol Records in 1953. Sinatra's new swinging imageand returned star powerwas instantly set with this unstoppable ode to optimism, which showed off his fresh direction with orchestrator Nelson Riddle. The duo's sound would be widely copied in the industry and Capitol graduated from being an indie swing label to a major industry player. Nick Dedina, Google PlayLink to the album belowhttps://play.google.com/store/music/album?id=Bjdxtd6m4665f2l4o7o3imy7nbu
OrGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day
People don't remember it now but Frank Sinatra's career was in free fall for a couple of years before he signed to Capitol Records in 1953. Sinatra's new swinging imageand returned star powerwas instantly set with this unstoppable ode to optimism, which showed off his fresh direction with orchestrator Nelson Riddle. The duo's sound would be widely copied in the industry and Capitol graduated from being an indie swing label to a major industry player. Nick Dedina, Google PlayLink to the album belowhttps://play.google.com/store/music/album?id=Bjdxtd6m4665f2l4o7o3imy7nbu
OrGo to the Music Store
https://play.google.com/store/musicScroll down to FREE Song of the Day
Should I Re-negotiate Job Offer? If So, How?
Added on : Wednesday March 13th 2013 05:01:00 AM
I'm a recent college graduate, unemployed, and live with my parents.
I received my first job offer in writing today.Salary.com & Glassdoor reports a median of $57,000 ($27/hr) base salary for this sales position.During the interview, I gave a weak (in my opinion) negotiation on my salary. I was asked how much I was looking for and I suggested $27/hr based on market research for this position. They countered by saying that they were only planning to offer $14-$18/hr. I responded with an offer of $20/hr ($42,000 salary - bottom 10th percentile) and they accepted. Now that I have the offer in writing, I'm having second thoughts of whether I should have been able to negotiate higher. Should I re-negotiate? If so, how?Pros:
Short commute
Interested in career path
Performance evaluation in 6 months (pay raise?)Cons:
No health, dental, or vision insurance.
No 401K or any retirement plans.
1 week vacation + 1 week sick days don't kick in until after 1 year of employment.
No commission until 6-month training period is over.
At-will employment (can be a pro? No idea)
Didn't see any pretty women working there.Thanks.
outplacement services
Added on : Tuesday March 12th 2013 06:01:05 PM
I was recently laid off due to restructuring and force reduction. I made more than most of the team I was on, and that made me the person to cut in order to save money. The severance package is fairly standard - but I have one feature I'm not sure of.They have offered me either 3 months of outplacement services from Right Management or the cost of the services, which is $3000 gross.Any idea on which option I should choose? I'm in the Washington DC metro in the IT field. Mid-career sysadmin type work. I have one likely interview later this week due to help from a former colleague.
Kindle Books 3/10/13
Added on : Sunday March 10th 2013 10:00:42 AM
Master Your DSLR Camera: a Better Way to Learn Digital PhotographyPub. 10/9/2012Master Your DSLR: A Better Way to Learn Digital Photography, is a highly interactive book made for the DSLR camera owner who is ready to move away from that auto setting. :: About This E-book ::
Master Your DSLR: A Better Way to Learn Digital Photography walks you through several photography basics such as composition and perspective, and it includes quick-reference cheat sheets to master seven common shooting scenarios: indoor and outdoor portraits, kids, pets, gorgeous outdoor landscapes, skylines, and sunsets. Readers of this e-book will also have exclusive access to several beautiful videos and graphics.:: More about Master Your DSLR: A Better Way to Learn Digital Photography::
The book has been featured in USA Today, wall street journal, and Wired, described as an invaluable companion for amateur photographers looking to get more out of their gear.Uncommon Migraine Cure: Learn The Hidden Secrets Of How You Can Chiropractically Align Yourself And Get Rid Of Migraine Headaches Forever! (The Holistic Wellness Series)Pub. 2/26/13UNCOMMON MIGRAINE CUREThe Holistic Wellness Series: 1In this wellness series, Ferrer
Thomas uncovers simple secrets you'll
learn to get rid of migraine headaches
forever holistically without medicines.Revealed inside are the often confused
and dangerous myths that are the most common
causes that will worsen your condition even though
these remedies may be popular.Also learn how the causes of
headaches can actually be symptoms
of deeper underlying health issues
and how to get rid of them holistically.
Friends within the Forest Green: A Forest Animal Fact Book (Learn with Rhymes Series)Pub 2/28/13Friends Within the Forest Green is an educational book about forest animals that will not only keep your child learning on every page, but entertained as well. Join Melissa as she explores fascinating animal facts in this playful reading book with rhyming sequences and brilliant colorful pictures.Within this book, your child will be introduced to forest animals such as Beavers, Owls, Bears and many more! This book is perfect for children ages 2 - 5.The Ultimate Guide to Memorizing the Guitar FretboardPub. 3/1/13All musicians that are serious about playing guitar have the notes on the fretboard memorized. This guide goes beyond simply explaining how to find the notes on the guitar, with sixteen exercises and useful memorization techniques that will have you navigating the fretboard with confidence. Go beyond patterns and shapes and finally understand the notes that are right under your fingers.Learn About Tigers (Science Kids) Pub. 3/7/13Tigers are one of the most popular wild animals in the world. Kids from 4-10 years old will love this book about tigers. More than 30 pictures of tigers with accompanying facts about tigers. Kids will love learning about this favorite animals. Shows pictures of different tiger subspecies and offers just enough information for kids of this age group.Being Successful: Things that Successful People Do that you Could Learn FromPub. 2/10/13 Nowadays, there are so many myths and ideas that you supposedly ought to follow if you want to succeed. Being Successful: Things That Successful People Do That You Could Learn From is an eBook keen to dismiss these myths and will in fact reveal to you that quite the contrary is true when it comes to generally accepted ideas. For example, some people mistakenly think that you have to start big in order to succeed. In contrast, the opposite is quite true as you will find out when you read this report. All in all, the report contains multiple counter-intuitive ideas which are bound to transform your life if you do act on them. You will be surprised to know that what you have accepted for so long may actually turn out to be hindering you on your journey to success. Therefore, get ready to have your beliefs shaken and tested as you go through the report. By the end of it all, you will have separated wheat from chaff in relation to realizing what works and what doesnt. Even though the ideas is not an exhaustive list of what you need to do or stop doing to succeed, it will point you in the right direction and help you to question other beliefs that you may have accumulated over the years. You will also learn to critically assess any success idea you come across until you decide for yourself whether it is true or not. All this will help you to lay a strong foundation that will propel you towards a bright future.Become a Published Travel writer: Earn enjoyable profits and travel the world in VIP style as a published travel writer - Volume 5: Travel Writing That Sells TextPub. 2/11/13Become a travel writer: Earn enjoyable profits and travel the world in VIP style as a published travel writer - Volume 5: Travel Writing That SellsAre you itching to break into the glamorous world of travel writing to see your name published and get invited onto fabulous VIP press trips? Do you yearn to learn how to write and publish travel stories like Bill Bryson, Bruce Chatwin, Paul Theroux, William Dalrymple and Colin Thubron?The travel writing lifestyle is truly wonderful and romantic, but the only trouble is getting in getting your work, and in particular your first article, published. Have you, like most novices, suffered large numbers of rejections from editors who simply dont seem interested in carrying your work? Virtually all novice writers have to go through this demoralising phase in their development. I did too.Now, for the savvy few, there is an alternative. You are seconds away from having in your possession a tried and tested formula for writing the perfect travel article first time and every time. This comprehensive but concise guide reveals the secrets of many top travel writers built up over years of experience and work in the field. You can now learn in a matter of weeks what it has taken most other writers many years to learn.Travel writing isnt rocket science but there are certain principles you need to learn and put into practice. The fundamental principles and proven techniques that we will show you here will fast track your travel writing career through the novice phase into the idyllic realm of the experienced, published travel writer, where your world awaits your every dream . . .Jimmy Learns to Ride a Bike and Never Give UpPub. 3/8/13Children's early reader. Picture book
Jimmy gets a new bike for his birthday and goes through the challenges of learning to ride. Crashes, scrapes his knee, wants to give up, but overcomes in the end with encouragement from his Dad.
Read it to your children or let them read it on their own.Remember When (Remember Trilogy, Bk 1)Pub. 12/29/12"Hysterical! Made me want to break out a can of Aqua Net and hit the Jersey shore. Loved the characters and their sweet and steamy love story. You'll find yourself rooting for Layla and dreaming about Trip for years to come."
-Mika Thomas, Fiction Review
Ever wonder how often Brad Pitt's high school girlfriend must ponder jumping off a bridge? Ever think about the girl that had her hooks in George Clooney before he took off for TV stardom? How about Leonardo DiCaprio's ex, or Johnny Depp's first groupie, or any number of young women who got left behind when their boyfriends set off for greener pastures and eventually achieved unfathomable Hollywood fame? My name is Layla Warren and I don't need to wonder about any of those things. I already know. Because years before Trip Wiley could be seen on movie screens all over the world, he could be seen sitting in the desk behind me in my high school English class. This was back in 1990, and I cite the year only to avoid dumbfounding you when references to big hair or stretch pants are mentioned. Although, come to think of it, I am from New Jersey, which may serve as explanation enough. We were teenagers then, way back in a time before anyone, himself included, could even dream he'd turn into the Hollywood commodity that he is today. I'm sure I don't need to tell you who Trip Wiley is. But on the off chance you've been living under a rock for the past decade, just know that these days, he's the bad boy actor found at the top of every casting director's wish list. He's incredibly talented and insanely gorgeous, the combination of which has made him very rich, very famous and very desirable. And not just to casting directors, either.I can't confirm any of the gossip from his early years out in Tinseltown, but based on what I knew of his life before he was famous, I can tell you that the idea of Girls-Throwing-Themselves-At-Trip is not a new concept. I should know. I was one of them. And my life hasn't been the same since.
Decision points - having second kid
Added on : Sunday March 03rd 2013 06:01:01 PM
not sure if this topic belongs in FW but will shoot it anyway...my wife and I have loving 7 yr old daughter and lately i am getting lot of pressure to have a second kidthough i have a good job for now, raising a kid properly normally drains you economically and not to mention time and energy consuming... there is lot of pressure to be perfect these days for kids as well (i.e. health, career, looks, choosing life partner, wealth etc) and if they fall short in any of these, it sucks you as a parent my question is why do people have more than one kid (esp when there is no shortage of people on this planet)my wife's argument is reaching biological clock and a company to our daughter if we are not there in future but can't your rely on your consins and other relatives for company? we live in a community where she has plenty of company right now, do you have to rely on your own siblings for company?am i missing something important that i may regret in future?would love to hear from smart and experienced people out therep.s. - we also spent lot of time in the adoption process but it is lot more complex than i thought originally and going nowhere after almost 7 months
credit card for wife?
Added on : Friday March 01st 2013 02:01:28 PM
My wife gave up her career to raise our kids. She has several credit cards from when she was working full time. She earns money teaching tennis but was turned down for a starwood card due to lack of sufficient income. We'd like to take advantage of some of the rewards, what can we do to help her qualify? Perhaps she should report my income?tia,
Fiance having issues with her boss (principal)
Added on : Friday February 22nd 2013 09:01:26 AM
So, my fiance is a teacher, in her 10th year. Teaches elementary grades.
I'm trying to keep this a tad vague for identity reasons, but enough details to get decent advice.
I feel this is legit for FWF as it can directly affect our finances.She just relocated from one state to another. (This is first year in this state as she moved down with me).
She is degreed, and has a masters, and nat. board certified.
She has 9 years of exemplary positive reviews. She was even used as a model classroom in her previous state a few years ago for some nationally renowned educational speaker/program that came through her state. People came from around the state to observe her classroom. I'm just trying to set the ground for the type of teacher she is.
Her possible one fault is that she is naturally soft spoken so she has to work hard to command attention (so to speak) from the kids. (I'm not a teacher so I don't know the lingo).So, this school year, she has been getting flack from her principal, repeatedly coming to Her Room throughout the fall and after christmas commenting that its too loud, and basically saying her class is out of control and not a good learning environment, etc etc. She contends that this principal doesn't understand the difference between constructive learning noise, and plain noise.I should add that the princple was in a traumatic car accident in the late summer and she didn't come to work again till later in the fall. Still doesn't seem 100% based on things she has said done and forgotten.They have had sit downs a couple times where the principal has basically threatened her job, saying I don't know if you'll make it through the year, or through Christmas. No matter what my fiance does its never good enough or quiet enough. Very early grade classrooms aren't gonna be quiet as church mice in our minds. Her previous principals had no issues with her and she has years of positive reviews to put on the table.She has been observed by several people, probably 8 observations at least. She got feedback on 2 of those in the fall. She was rated insufficient on these disciplinary type points in the fall and had to repeat the observations and procedure work for this program in the spring. Again, she just got feedback on that and was deemed insufficient.
The other 4 or 5 reviews, she got nothing. She has attended classroom management courses at their request, etc.It came to a point after Christmas that the principal was gonna call for a meeting with HR. Suddenly that meeting just never happened. She has tried reaching out to HR at the district but they wont talk to her until she goes through the principals boss first. The principals boss came and did an observation a few weeks ago and suddenly everything got quiet, no more attacks from the principal. (no more walking in her door yelling about ow its too loud, etc)During this quiet time, the principal removed a VERY disruptive student from Her Room at the mothers request (Not because the mother doubted her son was learning, but because the mother said her son and one other boy in the room feed off each other and she wanted them separated). The child once told my fianc that he didnt have to listen to white people.Hes now in a African American girls room, and he doesnt listen to her either.
Also during this quiet time, one child brought in a lighter, and set a piece of paper on fire in his desk. She said they were in the middle of a lesson, all kids in their seats, appeared to be doing the right things, when she saw smoke rising. She called for help, help came, put out the piece of paper, all ok. Just a little smoke. The child got suspended for several days. The mother had a meeting with the principal and said she felt her child was in the wrong, but she questioned how he could have gotten as far as to use the lighter if the teacher were doing heer job. This information was typed in a letter the principal gave my fianc the other day. The principal went on to say in this letter, that she continues to be concerned about the childrens safety in her classroom, and about how the mother expressed the above concerns, and that the principal felt my fianc acted insufficiently to prevent this from occurring. Then told her she is going to put this letter in her permanent file. We strongly disagree with this action and honestly we dont feel like the principal can take her opinionated letter, that shows no direct procedural fault on my fiancs behalf and put that In her permanent record file. My fianc has called for a meeting with the principals boss to discuss this. But Im thinking we may have to take this all the way to the school board or beyond.She is trying to find a spot at another school, but its very competitive out there now.
Im posting this looking for advice on actions to take and if we have grounds to demand this letter be removed or more.
I could see if my fiance had done something clearly negligent/not by the books. But she didnt. The incident was bad, and was resolved, but it was not her fault. To ding her record with this hearsay, opinion, and untruth seems to me to border on personal slander that could affect her career.Thank you for reading.
Advice welcomed!
THERES REALLY NO COUPON CODE ITS A DEAL I RECEIVED AN EMAIL ON THRU Groupon!
THE DEAL ENDS IN A LITTLE OVER TWO DAYS http://www.groupon.com/deals/photo-art-studio-february-inland-em...Choose from Three Options $39 for one online certification program in digital photography, Photoshop, Web Animation (Flash), or Web Development (Dreamweaver) ($450 value)
$59 for two of the above courses (a $900 value)
$79 for all four of the above courses (a $1,800 value)Each course includes a full trial version of the software for each class. During 14-hour certification programs taught through comprehensive online tutorials, students are taught photography, photo manipulation, or web-based skills with high-resolution module exercises by experienced instructors, who are regularly available for feedback. The online classes equip students with 24/7 access to the lessons and tutorials, allowing students of all backgrounds to complete the classes at their own paces and using their own learning objectives. Students will receive their certification upon course completion. Register here for an online class. Photo Art StudioThe Adobe- and Microsoft-certified instructors at Photo Art Studio prepare pupils for careers in graphic design, web development, and photography during 14-hour certification programs that combine classroom and online learning. The digital photography course drills novices in handling and cleaning their cameras, regulating light, and convincing jumping beans to hold still for track-team portraits. During Adobe Photoshop classes, students survey the program's myriad manipulation and touch-up options by applying such flourishes as modified hues and formatted text over their own compositions. Other courses in software such as Adobe Flash, Lightroom, and Dreamweaver focus on animation, image design, and web development respectively. The studio also hosts in-depth classes on Microsoft Office software to instill practical administrative skills
Groupon Coupons
need some advice on where to go from here (career)
Added on : Thursday February 14th 2013 03:00:57 AM
This is something that I've been thinking about for a while and I would like to get some advice on how to best proceed from here. My story:
I got laid off in November 2012. I hated the job and I was planning quit as soon as I find another job but this happened before I was able to land something. This is the first time something like this ever happened to me so it was a shock at first not having a job to go to anymore. I'm living off unemployment now and my one year's worth of savings. Prior to this, I had about 4 years total of solid work experience at a F500 then in the finance industry (where I got laid off). It was towards the end of the year with many companies worried about the fiscal cliff so hiring was slow. I interviewed for a couple of positions right away but didn't land anything. I took a break over the holiday season but before the new year hit I became obsessed with a web startup idea. 2013 started and I was in the process of getting a prototype of my idea developed. Fast forward 2 months and I've been spending my time between two things: studying for the GMAT while I have the free time and completing the prototype of the startup so that I can start to get some feedback. These two have kept me busy and I'm 200% happier now than when I was at my old job. My concerns:
I'm at the point where I'm finally starting to get some feedback on what I've worked on for the past 2-3 months. I've asked 3 people so far (who bothered to respond) and the reviews have been mixed. 1 response was negative, 2 were semi/positive. This took a hit on my confidence in this idea. I still believe in it that if executed properly with some changes here and there it could work to resolve an existing problem but it's somewhat demoralizing because it makes you wonder if you're on the right track at all. I haven't asked anyone who really know the startup scene yet but I plan to apply to some accelerator programs. Other than this startup ending up being a big waste of effort, I'm also concerned about what would happen when I fast forward 2 months from now. Thinking pessimistically, let's assume that I do not get chosen for any startup accelerators and don't find any seed funding on my own to really get a legitimate shot at trying this. I would have a gap on my resume that is nearly 6 months long. What if I stay in this startup path for a year? I plan to cover this gap with this startup experience (have no choice at this point) but I'm only interested in trying to get back into the financial services industry. Unfortunately, this startup experience is not relevant at all to my prior role and the roles I'm targeting.
Any advice on how to go about in my current situation? I'll be glad to provide any other information so post any questions below.
Help me Fatwallet you're my only hope (New Job and need your wisdom)
Added on : Tuesday February 05th 2013 12:01:10 PM
Oh wise Fat wallet Sages I seek your wisdom. I have an account, but my normal account contains part of my name and since Im giving some personal financial information I opted not to use it. Background:
Ive worked in the past in the Phone industry, Bank, University, and Health care provider, but I feel that this latest job will be a potential career (CA govt). I know Im a bit behind in my savings, but I took a hit during the recession and had issues with an investor that I trusted. I would greatly appreciate any tips or suggestions to maximize saving / investing for starting a new career and possibly new outlets that I havent contemplated. My current plan is to go back to school (part time) while working. Because I have limited experience (in auditing) I was thinking of going to the local junior college and getting an accounting AS or certificate to fortify my knowledge base. I also would like to get a Masters for career development, but Im not sure what MS Accounting or MBA and if it is needed (read an article about several people with post graduate degrees saying it wasnt worth it)Personal info:
Age: 28
Children: none (dont really want any)
Status: Single
Current Bachelors: EconomicsFinances:
Car: paid off
Housing: Paid for I just pay utility bills
Savings: 401k: $4,000; Liquid: $1,000
Travel: Drive about 600 miles a month, but I may drive more with the new job
CC Debt: $2,000
School Debt: $10,000 (I can pay this off with an UTMA)New employer:
state Govt
Salary: 40-50kGoals:
Go back to college and get a masters (in 4 years).
Save for college and retirement.
Look into possible rental properties (5 years)
New car, hopefully something sporty
Questions:
Is there an account to save up for ones own education? I know there are 529 but I think those are mostly for dependents.
Do I need insurance if I have no dependents? I think that my savings can cover my funeral expenses.
Based off what Ive listed do you have any tax saving tips?
For a person in the audit industry, what Masters program would you suggest?Also if you have any other comments or suggestions or need to clarify anything please post.Thanks,TLDR: I just started a new job with state govt and I need suggestions on how to maximize my potential earning / savings (Ie: post graduate schooling, Saving 401k/Roth) so I can avoid my fear of working when Im old.
Taking Flight!: Master the DISC Styles to Transform Your Career, Your Relationships...Your Life [Kindle Edition] Merrick Rosenberg (Author), Daniel Silvert (Author)Publication Date: November 4, 201260 Reviews and ☆☆☆☆
1 LikeUse DISC to discover profound hidden patterns of human behavioral style, gain deeper self-awareness, maximize your personal strengths, and influence others more powerfully than ever before! Taking Flight illuminates the proven DISC four-style model of human behavior, and shows how to use it to become a far more effective leader, salesperson, or teacher; revitalize your career; build deeper personal relationships; fully leverage your natural gifts, and empower everyone around you. Drawing on their immense experience coaching executives and training world-class organizations, Merrick Rosenberg and Daniel Silvert introduce DISC through a fable that's quick, fun, and easy-to-understand. You'll discover why you "click" with some people and "clank" with others, and what really drives your decisions and actions. You'll learn exactly how to identify others' behavioral styles and choose the best ways to interact with them. You'll walk through creating a personal action plan for improvement -- and then systematically making the most of your strengths, working around your weaknesses, and supercharging your personal performance! If you're already familiar with DISC, this book will help you use it more effectively than ever before. If you're new to DISC, it will change your life -- just as it has for thousands before you!
https://www.tanga.com/deals/a77c6254d3/kiplingers-personal-finan...Kiplingers Personal Finance Magazine was a pioneer in personal finance journalism. Founded in 1947, this magazine lends a hand to more than one million subscribers a month. Issue after issue, Kiplingers shows readers how to manage their money better, get ahead on their careers, buy insurance and minimize taxes.This magazine has 12 issues per subscriptions and you can buy 1 year.$6.99 w/ coupon code STARTINVESTING
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Includes Digital Access as well. Business Week features an in depth perspective on the financial markets, industries, trends, technology, and people guiding the economy. Draw upon Business Week's timely, incisive analysis to help you make better decisions about your career, your business, and your personal investments.Great deal, If you have a iPad this is for you.
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3 years of Bloomberg BusinessWeek Magazine for $29.99
Added on : Monday January 28th 2013 03:00:05 PM
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Includes Digital Access as well. Business Week features an in depth perspective on the financial markets, industries, trends, technology, and people guiding the economy. Draw upon Business Week's timely, incisive analysis to help you make better decisions about your career, your business, and your personal investments.Great deal, If you have a iPad this is for you.
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Considerations for Changing Jobs
Added on : Sunday January 27th 2013 08:01:02 PM
I know a lot of people, including me, have started posts about changing jobs in the past. I am in the position again, but this time, I thought that maybe we could discuss things that are important when considering a job change, especially when a huge motivation is overall compensation. Many folks tend to focus on base salary, perhaps bonuses, and some of the big benefits, like medical insurance... but there are many of other factors and just because you get an increased base salary does not mean you are coming out ahead. In addition, there are considerations related to career path/growth and how well you fit with the organization and its mission, but those are not part of this conversation.1) Base salary - This is obviously the big one... we leave whatever else we could be doing in order to earn money to support ourselves, our loved ones, and hopefully enjoy life. However, there are other reasons to focus on increasing your base salary. For instance, other benefits and bonuses are often a percentage or multiple of your base salary. Unless I just really need a job (out of work or truly and dissatisfied) I will not move for anything less than a double-digit percentage increase, and most likely above 15%. My personal ability to do this is likely diminishing as I am getting up there for my market.2) Medical/dental/vision - This is important for most people I have to think, except the healthy and young that don't see the point in buying. There are several factors, like whether all or some of the benefits are available (vision may not be important as the others as it covers the least and some folks have good vision, and potentially even dental as it is similar but usually provides a better value proposition than vision since everyone has teeth... unless you don't). Also, there is the cost of the premium you pay, the deductible, co-pays, network, flexibility, etc. When employers provide benefits summaries, they don't tend to outline most of this information... usually just premium and maybe the deductible. With the advent of high deductible plans and health savings accounts, some employers contribute to the HSA, as well.2) Retirement savings - this is Crucial for folks that earn more than the limit for contributing to IRAs and folks that want to contribute more than an IRA allows. Also, employers (perhaps a decreasing amount) offer some sort matching program that may or may not have a vesting schedule. In my opinion, since I work in IT and the tenure at each employer seems to be a few years, a lower or non-existent vesting schedule is preferable. This is also one of those benefits that is a derivative of the base salary... the higher your base salary the higher the employer match. Also, when you exceed the social security cap each year, some employers offer the 6.5% employer side as a contribution.3) Life/disability - Again, this is another one that is a derivative of your base salary... normally a multiple. I remember a conversation with my mother-in-law who said that at some point you have to feel like you have made enough... I could have screamed for so many reasons, but life insurance was a huge one. I figure that my mother-in-law would understand that as her father died when she was young and my risk aversion comes from me experiencing the same thing. Many employers either state that they offer life insurance and they may state how much they provide, but I have not witnessed any providing information on cost and ceiling on supplemental life insurance. The same holds true with AD&D. (no, definitely nothing to do with role-playing games). I am married with multiple children... it matters greatly to me. I am maxed out with my current employer which allows me to have 5x my base salary in life insurance and 10x my base salary in AD&D... so, if I were to die in an accident, my family would have 15x my base salary. Some folks are okay to buy this coverage on their own, but I prefer buying through my employer as they don't tend to require medical examinations and it has been less expensive, at least for me.4) PTO and holidays - The value of this benefit varies greatly from each employer. Some let you carry over, others don't; some pay out, some don't; some have separate vacation and sick days, some don't; some offer flexible working arrangements that mean you can make up time; some situations leave you not using your PTO. I tend to build up my accrue my PTO close to the maximum before I use any, and even then I don't tend to draw it down much. I like to use it as an extra cushion in case something happens to my job or as a bonus when I leave. Employers can actually be fairly flexible with PTO when you are negotiating salary. In four of my six past salary negotiations, I have increase my PTO beyond the standard, usually by five days.5) Tuition - This one has always been important to me. I worked full-time throughout my undergrad work and my employers throughout paid for 50% of my tuition. Also, my current employer paid for 2/3 of my masters degree. Now, it isn't as important to me as I don't really plan on going to school for a while unless it is a trade class (like welding, which I can do inexpensively at the local community college and wouldn't likely meet company policy for reimbursement) or something for fun (which I could take for free as audit credit at my alma mater). Another consideration is tuition pay back if you leave. None of my previous employers sought these funds, as I left two before getting past that point... but now that my current employer is rather large, I think they would actually pursue it.6) Work schedule/location - Flex schedule? Telework? Shorter commute? I personally like being able to go into the office, but I prefer being able to work from home a day or two a week. I tend to have a roundtrip of 30 miles as my shortest possibility (currently it is 60 miles, and it looks to be extending to 70). The fewer days I have to commute, the less time I spend commuting, the less fuel I consume, the less wear and tear on my vehicles, and the less risk of an accident or getting a traffic ticket. Also, I like to adjust my daily schedule frequently. For instance, I used to go in later so I could see my kids off to school in the morning; now that the wife is done with school (well, the first part), I go in early so I can come home early.So, my current situation is offering an almost 14% increase in my base salary... but comparing many of the benefits, it isn't as great as it might appear (some may not even think that the 14% is even worth it). The retirement match is a lower percentage, but when I considered all of the stipulations between the two, it actually came out to be the same nominal value, so at least it is about a wash there. PTO was negotiated to improve the disparity. Some other benefits are no longer useful to me.Anyhow, what are some other considerations that you all have found important? Some offer stipends for mobile phones, gym memberships, food in the break room or subsidized cafeteria, discounts for various items (whether at other companies or an employee discount).
Schooled [Kindle Edition]
Added on : Wednesday January 23rd 2013 04:00:36 PM
SchooledDalton Jackson (Author) 29 reviews and Rated ★★★★★
11 LikesPublication Date: April 12, 2012Overview:Immediately after graduating from college in 2006, Dalton Jackson took a job as a high school Biology teacher in Cramer county, located in the rural southern United States. Over the course of the next two years, he shared his students' triumphs, tragedies, joys, and frustrations. He got a behind the scenes look into how school systems and teachers function as well as how they break. He faced threats of violence and potential lawsuits. As the pressure built and the runaway train of his brief teaching career began to derail, Dalton came to understand why the education system can't seem to recruit new teachers and why many of the teachers in the existing system aren't doing their jobs.
The ABC of Sales: Lessons from a SuperstarDaniel Milstein (Author)Billion Dollar Sales Expert Shares Secrets on How to Become a Sales Superstar.
The ABC of Sales, Lessons From a Superstar is an award winning book. It was selected the first place winner in the "how-to" category of the Paris France Book Festival and earned an honorable mention in the prestigious New England Book Fair and the San Francisco Book Festival in the business category as well as a first place win in the DIY Book Festival, Los Angeles. During the month of March 2012, The ABC of Sales sold 10,000 copies and became the #1 Sales Book on Amazon and the 31st top seller of all eBook sales.Renowned sales trainer, Brian Tracy, calls The ABC of Sales: Lessons from a Superstar, "an exciting tale of success and achievement...it gives you the tools and strategies to achieve all your goals."Author Daniel Milstein shares eight secrets for consistently reaching high sales levels and lays out in clear understandable language what it takes to be a Sales Superstar. You'll peer inside the mind of a successful sales talent so rare that universities will use this book for their business classes.We're not talking theory here--Dan Milstein is the real deal. He is the 35 year-old CEO of Gold Star Mortgage Financial Group, an Inc. 500 Company which closes a billion dollars in loans annually. Milstein has been recognized as the #1 mortgage originator in the nation, has been among the top 40 financial professionals in America for 10 years and has achieved more than $3 billion in personal career mortgage sales.You can't rack up numbers like that if you don't know how to sell.Born in Kiev, Ukraine, Daniel and his family immigrated to Ann Arbor, Michigan after the Chernobyl nuclear disaster. In high school, Dan developed his work ethic during long hours at McDonald's. After graduating from college he went to work for various financial institutions and was promoted consistently because of his sales acumen.Former FOX News Producer, Jess Todtfeld, says "Dan Milstein will join Zig Ziglar, John Maxwell, Og Mandino, and Brian Tracy in the pantheon of salesmen we should all learn from."Among the gems in The ABC of Sales is Milstein's adage that "Lunch is for Losers," and that the Great Commandment of Sales is "Always Be Closing.""ABC - Always Be Closing, is one of my favorite phrases," says Milstein. "It is a motto I live by and is one of the nine reasons I have been successful as a sales professional. I never turn off my selling mindset; I'm always ready to engage a friend, colleague or stranger in conversations that will lead to a sale."If you really want to rise to the top in sales and be inspired and motivated to surpass your loftiest dreams then order your copy today.FREE for a limited time and so posted under Hot Deals
The ABC of Sales: Lessons from a SuperstarDaniel Milstein (Author)Billion Dollar Sales Expert Shares Secrets on How to Become a Sales Superstar.
The ABC of Sales, Lessons From a Superstar is an award winning book. It was selected the first place winner in the "how-to" category of the Paris France Book Festival and earned an honorable mention in the prestigious New England Book Fair and the San Francisco Book Festival in the business category as well as a first place win in the DIY Book Festival, Los Angeles. During the month of March 2012, The ABC of Sales sold 10,000 copies and became the #1 Sales Book on Amazon and the 31st top seller of all eBook sales.Renowned sales trainer, Brian Tracy, calls The ABC of Sales: Lessons from a Superstar, "an exciting tale of success and achievement...it gives you the tools and strategies to achieve all your goals."Author Daniel Milstein shares eight secrets for consistently reaching high sales levels and lays out in clear understandable language what it takes to be a Sales Superstar. You'll peer inside the mind of a successful sales talent so rare that universities will use this book for their business classes.We're not talking theory here--Dan Milstein is the real deal. He is the 35 year-old CEO of Gold Star Mortgage Financial Group, an Inc. 500 Company which closes a billion dollars in loans annually. Milstein has been recognized as the #1 mortgage originator in the nation, has been among the top 40 financial professionals in America for 10 years and has achieved more than $3 billion in personal career mortgage sales.You can't rack up numbers like that if you don't know how to sell.Born in Kiev, Ukraine, Daniel and his family immigrated to Ann Arbor, Michigan after the Chernobyl nuclear disaster. In high school, Dan developed his work ethic during long hours at McDonald's. After graduating from college he went to work for various financial institutions and was promoted consistently because of his sales acumen.Former FOX News Producer, Jess Todtfeld, says "Dan Milstein will join Zig Ziglar, John Maxwell, Og Mandino, and Brian Tracy in the pantheon of salesmen we should all learn from."Among the gems in The ABC of Sales is Milstein's adage that "Lunch is for Losers," and that the Great Commandment of Sales is "Always Be Closing.""ABC - Always Be Closing, is one of my favorite phrases," says Milstein. "It is a motto I live by and is one of the nine reasons I have been successful as a sales professional. I never turn off my selling mindset; I'm always ready to engage a friend, colleague or stranger in conversations that will lead to a sale."If you really want to rise to the top in sales and be inspired and motivated to surpass your loftiest dreams then order your copy today.FREE for a limited time and so posted under Hot Deals
Finish BA/BS - Private(low GPA) vs. Public (high GPA) - Advice?
Added on : Tuesday January 15th 2013 01:01:05 PM
After fits and starts, I've returned to school to finish my BS/BA. I'm registered at 2 universities - Carnegie Mellon and the University of Minnesota. I flunked out of CMU due to anxiety/gf dump a couple years ago. Spent 2 years in China (H&B+easy money-$2k in savings/month no tax). I ask the FWF Diaspora for help with one of the most major decisions in my life. Be brutally honest as I know you can be. I've read several other threads on public/private. I know there is no one simple rule.Me:
Age 27, worked for another major private Univ as IT guy (lvl 2 Helpdesk -$50k/yr salary) for 1 year, taught in China for 2 years
Like Business/Finance/Entrepeneurship - first company when I was 16, investing since I was 12, currently manage my own portfolio (12% for last year)
Love China - interested in Chinese studies - the women are HOT
Don't want to have a useless liberal arts degree
Want to work in a multinational somewhere in Asia, or maybe SA - don't want to live in the States post-grad
Will continue Chinese studies - be conversational fluent upon gradCMU:
Prestige (top 25 school), alumni network, amazing career office, on-campus recruiting
low GPA - will finish slightly above 2.0
International Relations and Politics BS - marketable? I have no other options for a degree for the year time-frame. Changing would involve more time+money.
Need to get almost straight As in order to finish above 2.0 - more rigorous
Expensive! Double the cost (no aid available to me)!
Will never have this opportunity again for this tier of schoolU of Minnesota:
Will enter under the Continuing Education school for their Inter-College Program - self-designed degree
Concentration in Management, and Chinese Studies (also other options)
Lower prestige, more area-centric for networking opportunities
Assume everything transfers properly, blank slate of a GPA, so graduate with higher GPA (will work @$$ off for 4.0)
Degree certificate will just show "U of M", not Continuing Ed school. But transcript will say it.
Resident tuition rate - cheap! Ranked well among state schools.Can finish at either school in one year - same time frame. Hiring managers - advice, please? What would you do?
I know I will have to explain the gap in my resume.
What's your thoughts good private school (low GPA) vs public school (high GPA)? I know this doesn't matter so much 5+ years post-grad, as your work experience counts more. But I need to consider how to jump-start my career in the best way possible - is CMU worth it, especially considering networking/internships?Thank you!
Free Forza Horizon Honda Challenge Car Pack (Xbox Marketplace)
Added on : Tuesday January 15th 2013 01:00:44 PM
TextFree download! Celebrate Honda by driving the all-new 2013 Honda Civic Si Coupe in Forza Horizon, plus get two additional Honda cars! The Honda Challenge Car Pack includes three new cars, the 2013 Honda Civic Si Coupe, 1986 Honda Civic Si, and 2012 Honda HPD Fit. In-game credits or tokens are required to add these cars to your career garage.
Career Path - Finance / Legal
Added on : Friday January 11th 2013 07:00:59 PM
Hello FWF, I have exhausted everyone I personally know and have asked for their opinion, my head is spinning, and I turn to you, unknown but wise internet FWF folk. Hopefully some of you may have some related experience.Stats:
Age: 29
Certs: CPA
Job: Audit Department at a Fortune 500I have been offered a promotion to a Regulatory Compliance position (not financial regulatory) in my company's the legal department. I am not a lawyer, nor do I plan on going to law school at any point. I have always been in an accounting/finance position, as my previous employer was one of the Big 4. While the promotion would be a big step up in responsibility and overall career growth, I tend to believe stepping out of a finance/accounting role would hamper my long term growth as a finance professional, should I eventually want to return to a finance role.Here is a short and to the point run down of pros and cons I have come up with to taking the promotion:Pros:
- Better title, more $ (~15% bump), immediate promotion
- Exposure to different tasks, responsibilities, and individuals (very, very senior leadership) within the organization Cons:
- Not my planned career path
- Limited growth within the legal department unless I pursue a law degree
- Longer term plan would likely be back into finance, where I would likely have to take a lateral move to get back and not a promotion
Would I be crazy to pass on a promotion? Would I be crazy to take a dead end job even if there is fairly significant immediate payoff?If anyone has followed a similar career path and could provide some insight, that would helpful!Thank you FWF!
Is 35 too old to get into accounting?
Added on : Thursday January 10th 2013 03:01:10 PM
I'm looking at a career change. Is 35 too old to get into accounting?
Steve Martin: The Television Stuff - $18.99 @amazon
Added on : Wednesday January 09th 2013 03:00:02 PM
http://www.amazon.com/dp/B0089BSMWA/Over six hours of rare stand-up, television specials, guest appearances and more.
Steve Martin remains one of the most beloved and creatively prolific talents in American comedy, but until now his body of work on television has been largely unavailable on DVD. That all changes here. From the stand-up act that made him a comedy rock star (of which only two complete performances were ever recorded, both included in this set) to his four joyfully twisted NBC sketch comedy specials, his Oscar-nominated short film and a jewel box of additional comic bits, The Television Stuff finally delivers one of the most unique and treasured eras in Steve Martins celebrated career. Featuring special guest appearances by Dan Aykroyd, Laraine Newman, Lauren Hutton, John Belushi, Bill Murray, Lynn Redgrave, Paul Simon, David Letterman, Carl Reiner, Eric Idle and Johnny Cash
Pulled from SD
Groupon - Friends: The Complete Series on Blu-Ray
Added on : Wednesday January 09th 2013 06:00:02 AM
Link The Deal $149 for Friends: The Complete Series on Blu-ray ($279.98 list price)
Free shippingFriends: The Complete SeriesSpanning 10 seasons and 236 episodes, the long-running television show Friends chronicled the lives of six companions living in New York City throughout their many different relationships, career changes, and misadventures. High-resolution Blu-ray compression makes it seem like the gang of Rachel, Monica, Phoebe, Chandler, Ross, and Joey is in the room with you. Clap along to the famous theme song performed by The Rembrandts while reading the included 32-page episode guide with content from the Warner Bros. archives. Viewers can fast-forward to spot Tom Selleck, Julia Roberts, and Alec Baldwin's guest appearances on the series or absorb Friends trivia by watching the behind-the-scenes footage or eating a stack of scripts.
Features 21-disc set includes all 236 episodes from the show's 10 seasons
Collectible package holds discs and a 32-page episode guide featuring content from Warner Bros. archives and secret moon base
More than 20 hours of bonus content including behind-the-scenes footage
Aspect ratio: 16 x 9 letterbox
Sound quality: DTS 5.1
Widescreen
Rating: Not rated
Package dimensions: 2" (L) x 11.5" (W) x 8.062" (H)
Weight: 64 ouncesHow to get your goods: by purchasing this Groupon and providing your name and shipping address, your order is complete!In a NutshellCollectible 21-disc Blu-ray set of all 236 original broadcast Friends episodes; includes 20 hours of bonus content
How Does Anyone Build Wealth?
Added on : Tuesday January 01st 2013 02:01:12 PM
Hi FWF,I'm an avid follower and recent college grad only now realizing how difficult it is to save, build wealth and generally thrive in the "real world". I've been reviewing the 2012 Career Choices thread and starting to save on my own and have realized it is near impossible to actually build wealth. Is this cynical?I'm 22, just graduated college in a job that makes ~$120K/year. I save half my income (after contributing ~7% to 401K with 5% company match) and keep my expenses very low. Still, if I were to save frugally for the next 3-4 years, if I went to grad school, the entire savings would be wiped out and I would be forced to start over, only to become positive in net worth again by 30. Assuming I continue making even a slightly upper middle class salary, I can only hope to save one or two million by retirement (30 years of working * ~50K savings/year), obviously this excludes any investment growth (and loss which people tend to forget) not to mention most of these savings probably will end up in a home. How do people do it? Am I missing something?
Career Thoughts and Compensation - 2012 Edition
Added on : Thursday December 27th 2012 01:01:14 AM
Greetings and Happy Holidays to All! It's late and I'm a bit bored right now, so I figured it's time to get the 2012 Career Thoughts and Compensation Thread rolling. I started doing these threads annually on the FatWallet Finance board in 2006. When I originally started this thread, I thought that it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. Over the years, a wide variety of people in all sorts of careers have contributed to these threads, and it's my hope that these threads have proven to be a valuable resource for those who are contemplating their career options. Now gang, before we get started, here's a reminder of the rules, which 99.9% of you have been great at following over the past six years:If you participate, please try to keep this a positive, informative thread, and let's not get into any arguments about how one's career/education/compensation makes him/her superior/inferior to other people. Please do no insult people by claiming they are overpaid, do no work, etc. Contribute as much or as little information as you're comfortable sharing, but please be honest so that this may serve as a truly informative thread for people mulling their career options.So, now that the ground rules have been set, how did your job go this year? Did things go well or not so well? How well were you compensated for 2012? Did the poor economy have a serious effect on your career? Maybe each person can give a brief description of themselves, their job, their education levels, and their salaries, present and maybe even projected salaries for the future. As always, since I'm starting the thread, I have to bite first:Gender: MaleAge: 40Location: Northern NJOccupation: Urban Educator (My fancy title for a teacher in a city of low socioeconomic standing)Education: M.A., plus 33 additional credits2012 Compensation: $100,600 (Base Pay, some extra pay for curriculum writing, and some retro pay due to a delayed new contract.) Base salary for the 2012-2013 school year is a whisker over $100,000. It would have been a couple grand more, but of course, since it was my year to hit the top of our guide (based on the old structure), they added steps to the new contract.Future Salary Projection: Not too much further to go from here in my current position. Salary will go up about $1500 next year and perhaps $3000 the year after that. Then, it might go up $1700 or $1800 per year. Benefits: Full medical, although teachers in NJ now have to pay a percentage of their salaries for their medical benefits. (It's currently based on a sliding scale, based on income, but no less than 1.5% of base salary.) We get modest dental, generous sick and personal time, a decent pension plan (at least if the state doesn't default on the benefits), tremendous job security once you achieve tenure (but virtually none before that, and even with tenure, you can still have the daylights menaced out of you. Also keep in mind that not all states offer tenure, in which case you can pretty much be fired at will no matter how much time you have in a particular district.) In almost all districts in NJ, you can accumulate sick time from year to year.What's the job like?Very difficult and getting more difficult by the year. Tremendously long hours, almost no down time during the school day (I don't take lunch very often), lots of work at home, deplorable working conditions, with some classrooms reaching temperatures of 90+ degrees and others below freezing. You will also most likely need to spend a decent amount of money on supplies for students because your school won't provide them, even though they insist on your using them. Very little respect and support from most supervisors, parents, and students, although I will admit that things seem to have gotten a hair better between teachers and administration in my district (overall, anyway).Would you recommend the career to others?Every year, it's become harder and harder for me to recommend teaching as a career. The public employee bashing in the U.S. is still pretty strong, with teachers still at the top of the "Bash List", although it seems to be subsiding a bit compared to what it was like the past two years. This is not an easy job. If you're doing it correctly, it's at least a 50-60 hour a week job, and it's 50-60 hours of grueling work. Teachers in urban districts in particular have taken a real beating. They are expected to be miracle workers, solving all of our society's ills. And, sadly, new workers are likely going to suffer the most. NJ has already cut pension benefits and increased retirement ages for newer workers, and, honestly, it wouldn't surprise me to see pensions eliminated for new employees as well as two or three different salary tiers for teachers based on their time of service in the near future.This is not an easy job. If you think you can handle it, go for it, but keep in mind that it's going to be a tough road ahead for teachers for the foreseeable future.
Switch skills set from java to SAP / ERP mid career
Added on : Wednesday December 26th 2012 10:01:08 PM
I have been programming in java/unix/oracle/app servers/middleware last 13 years and now I don't want to do it anymore . I want to start a new career in ERP implementation preferably in SAP or Oracle apps initially as technical person and later as functional . Has anyone done it . I may have to start at a lower level to begin with . what are the potential risks . Anyone in IT would like to add any comments ? . I see rapid growth as ERP consultant as compared to programmer / architect .
http://www.amazon.com/gp/reader/B004MMEIY6
Critical Thinking is about becoming a better thinker in every aspect of your life: in your career, and as a consumer, citizen, friend, parent, and lover. Discover the core skills of effective thinking; then analyze your own thought processes, identify weaknesses, and overcome them. Learn how to translate more effective thinking into better decisions, less frustration, more wealth and above all, greater confidence to pursue and achieve your most important goals in life
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Reposting without the erotic e-books. These should all be readable even if you don't have a Kindle or even a Kindle app.1000 Interesting Facts: Fun Facts to Kill Some Time and Have Fun with Your Family
30 Paleo Chiken Recipes - Simple and Easy Paleo Chicken Recipes
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A Grim Noel
A Letter to Noah
(adult title deleted)
A Second Chance
A-Z Book of Animal Devotions
Accountants: Stories From People Who've Done It (Careers 101 Kindle Book Series)
Adam Born of Stars: Voyage 1 - Lost at Galaxy's End
Adam and Eve (Conversations Through the Pages - Old Testament)
Always the Designer, Never the Bride: An Emma Rae Creation
Always the Wedding Planner, Never the Bride: An Emma Rae Creation
Top 35 Amazing Cakes Recipes for the Whole Family (The Best New Year's Eve Recipes)
How To Make Amazing Money Writing Articles From Home!
An Englishwoman's Guide to the Cowboy
(adult title deleted)
Angel Fire: The First Book of Fallen Angels
Andy and the Angry Dragon (Bedtime Story Book 1)
99 Answers to Questions about Angels, Demons, and Spiritual Warfare (Second Edition)
As An Angel Might Sleep: Never Turn Away
Asset Protection
Basic Astronomy Concepts Everyone Should Know (With Space Photos)
Attila's Lost Gold
BEHOLD A PALE LIZARD (Wake Up And Smell The Reptiles! Series)
BRITISH POUNDS STERLING, Vol. 7-7.2
Bartholomew (Fells Point Private Investigator Series)
Battered Nation Syndrome
Beatitudes: How to Live a Blessed Life (Daily-Bible-Reading Series)
Beauty and the Beast
Beginner Database Design Using Microsoft SQL Server
Biblical Foundations for the Cell-Based Church
How to Get Rich in the Billion Dollar Info Market without the Gimmicks, Tricks or Fine Print
Black Cow
Brain Spanking - Volume II:
Brian's Here: First Tale from the Hotel Central (Tales from the Hotel Central)
Bridging the Gap from Broke to Success
Kanban, The Kanban guide, For the Business, Agile Project Manager, Scrum Master, Product Owner and Development Support Team
Buy And Sell Gold
Cabernet Sauvignon: Beginners Guide to Wine (101 Publishing: Wine Series)
Captain James Hook and the Curse of Peter Pan
50 Low Carb Brown Bag Lunch Recipes : Easy To Follow & Less Than 30g of Carbohydrates Per Serving (The Green Gourmet)
Carried Away (The FitzRam Family Medieval Romance Series)
The Cartographer ~ 1492 (The Jewish History Novel Series)
Cat secrets
The Dance of the Caterpillars Bilingual Korean English
Chasing Nikki (Chasing Nikki #1)
Chausie Lynx: Screenwriter
Keep Your Child Out Of The School Bully's Target Zone
Christopher and Columbus
From My Slow Cooker To Yours (Slow Cooker Recipes From Dinner To Dessert)
Cookies (Scrumptious Cookies)
Cool and collected Poems - Complete poetry in English
How To Cope..with life (Terry Talks Series)
1,000 Creative Writing Prompts for Seasons: Ideas for Blogs, Scripts, Stories and More
Cynic, Surfer, Saint (Scenic Route to Paradise #1)
Declare Your Life! Rhyming Affirmations For An Unlimited Life
Deep
The Definitive Guide to List Building
Dinner in a Flash (Fast Food From Home)
Dog Next Door, The: And Other Stories of the Dogs We Love
Dog Secrets
Double Trouble
Dreamhackers Vol.1 (Comic Book Graphic Novel)
Dreamhackers Vol.1 (French edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (German edition) (Comic Book Graphic Novel)
Dreamhackers Vol.1 (Italian edition) (Comic Book Graphic Novel)
Dreams of Steam II Brass and Bolts
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Easy to Use Sales Questions
The Effective Business Email Writing Formula in 7 Easy Steps (EasySteps Business English)
El Marsam Cookbook: An Umbrian Farmhouse and its Kitchen
Emprise (The Stream #3)
Energy for Your Life: Think Positive - Ideas You Can Use Daily - Readings, Affirmations & Journal Ideas - One Idea a Day f...
Enzo Flashfire: The Birth Of Spyridon Five (The Spyridon Five)
Every Woman's Hero
Executive MBA Guide to Global Strategy and Strategic Planning
Exotic Animal Guide - Different Types of Sharks
The Expectant Geek's Guide to Boy Baby Names - 26 Names Your Wife Won't Let You Use for Your Son
Secrets of Extraordinary Salads... Fantastic Salad the Most Diverse Dish in the World (Big, Bold and Delicious Recipe Series)
FREE Business Plan Review - How to obtain a savvy review of your business plan or executive summary free of charge
FURIES : An Ancient Alexandrian Thriller
Fairys Of The Rainforest (The Fairy Clan Chronicles)
Play Fast! Win Big! What You Can Learn from the Fastest Team In College Football, The Oregon Ducks.
Fighting Temptation
The Final Appearance of America's Favorite Girl Next Door
Finding Rebecca: A Novel of Love and the Holocaust
First World Problems: 101 Reasons Why The Terrorists Hate Us
Fishing in Brains for an Eye with Teeth (Thirteen Tales of Terror)
From Belfast to St. Joe: 1838
Fruit Is Not Dessert: Rich Low-Calorie Desserts (Scrumptious Low-Calorie Recipes Cookbook)
Fulfillment of the Cups: Memorize All Cups Cards in Tarot (Article)

GHOST OF A CHANCE (The Ghost Series)
Gamingtology: Freedom is having your own Journey
Genetically Modified Foods vs. Sustainability
Get Inspired. Get Thinking - Intro copy (Get Inspired. Get Thinking.)
Getting Started with the iPhone for
[L=Ghost Stories [Illustrated]]http://www.amazon.com/Ghost-Stories-Illustrated-ebook/dp/B006B0R...[/L]
Gift Horse: When Death Teaches Perspective
Gifts from the Grandmothers (The Wisdomkeeper Collection)
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Glaziers: Stories From People Who've Done It (Careers 101 Kindle Book Series)
The Green Gourmet Perfect Cup Of Tea Book : Tea History & Culture, Teas of the World, Growth & Processing, Blending & Grad...
Lie Down in Green Pastures (The Psalm 23 Mysteries #3)
Gumption: The Salvation of Detective Billy Pomerloy
HORN OF PLENTY - The Cornucopia of Your Life
HOW TO QUALIFY FOR A MORTGAGE LOAN
Half of a Life - A Collection of Drawings
How to Have Your Chocolate and Lose Weight Too! (The Diva Body System)
Heku (The Heku Series)
Hero For Christ: 30 Ways You Can Be More Like Mother Teresa, Martin Luther King Jr., and Twenty More World Changing Christ...
Highland Fling
Home Health Aides: Stories From People Who've Done It: A candid look at a growing industry from education and experience r...
Homemade Christmas gift Ideas: Delicious Candy Arrangements
House of Matches
How to Buy a Fish? A Lesson
How to Do an Agenda: The Quickie Guide (The Quickie Guides)
How to Use Facebook Business Pages
How to Be Motivated: A Blueprint for Increasing Your Motivation (The Personal Transformation Project: Part 1 How to Feel A...
How to Overcome Envy and Jealousy
How to do Requirements for your Project
How To Make Fireworks
HowTo Cope...with life
Huachuca Woman
Human Biology - Lives of Cells
My Human Condition: Work's Exertions & Inspirations: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poe...
Implementation of the Wands: Memorize All Wands Cards in Tarot (Article)
Import Anything From China
27 Most Important Health Questions about Prostate Health: Mainstream, Complementary and Nutritional Answers (27 Most Impor...
Internet Marketing Strategy - For Income, Influence and Impact - Turn Your Passions into Income Online! (Web Marketing, Sm...
Introducing Sara Green
It's Party Time
Japanize Your Amazon Business. Utilize the Power of FBA to Sell Your Products in Japan.
Jennifer's Book of Poetry
Jerusalem Artichoke: Production and Marketing
Jesus Has Arrived: Pre-Rapture, 21st Century
Jesus, Mary, Lazarus, and Child : The Great Secret of the Fourth Gospel
Johnny Came Home (A John Lazarus Adventure)
I Know You Will Find Me
LIZARDS RULE OUR PLANET (Wake Up And Smell The Reptiles! Series)
Lancelot's Lady
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1750
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1749
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1751
Letters to His Son on the Art of Becoming a Man of the World and a Gentleman, 1752
The Lion Vrie (The White Lion Chronicles)
Lives Interrupted
Top 10 Tips To Making Money On eBay (Vanessa Deighton - eBay Guides)
How to Save Money and Still Have FUN- The Easy Way to Learn Money Management and Obtain Financial Freedom
A Marriage Story: Some Marriages are Different from Others.
10 Mexican Style Slow Cooker Recipes
7 Minute Slow Cooker Recipes: For People With No Damn Time to Cook!
Mission: Explore Food (Mission Explore)
Montana by the Numbers - Important and Curious numbers about Montana and her cities (States by the Numbers)
Morning Glory - A Novelette
Moscato: Beginners Guide to Wine (101 Publishing: Wine Series)
Motherhood?! How to Survive and Thrive After Your First Pregnancy
Mouthwatering Side Dishes From Il Bel Paese (Italian Cuisine)
Murphy at Law: The Power of Negative Thinking
My Creative Writing
My Human Condition: Life's Trials & Delights: Inspirational Soul Poetry (My Human Condition: Inspirational Soul Poetry)
The Newborn Vampire (Vampire Romance Novels #1)
The Night Kit Blew Up the Eggs. And Died.
Noahs Nuclear Niche - Romantic Fantasy Comedy
The Office Idiot Reviews (A laugh out loud comedy book)
One Chance: A Powerful Romantic Suspense Thriller About Family, Friendship, Love, Honor, and Courage.
25 One Pot Meals For Vegetarians - Quick and Easy Dishes You Can Prepare Everyday (Vegetarian Cookbook and Vegetarian Reci...
Paige's Doll-a prequel to Le Twins Wife Series (Prequels to Le Twins Wife Series)
Paul Prescott's Charge
Paul's First Letter to the Corinthians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Paul's Letter to the Philippians: Bible Trivia Quiz & Study Guide (BibleEye Bible Trivia Quizzes & Study Guides)
Piercing the Darkness: Undercover with Vampires in America Today
Poison in the Shadows (Crimson Murder Mysteries)
Political Ideals
Pollyanna
How to Pass Professional Designation Exams without Completely Ignoring Your Family
Prosperity Promises: What the Bible says about Wealth, Success, Money And Prosperity
Public School Domestic Science
Pumpkins Aren't Just For Halloween and Other Outlandish Ideas, Recipes and Stories (Easy Cheap Comfort Eats)
What's Your Purple Goldfish? How to Win Customers and Influence Word of Mouth
Put Your Idea on the Shelf
Quick and Easy Breakfast Recipes For One
Quicklet on Eric Weiner's The Geography of Bliss
The Rebel Flag Serial Killer: Book One: Death Row.
The Rebel Who Rose From The Dead. (The Rebel Who...)
Record Collecting in the Digital age
Reign of Silence
Religions of the World: The History of Buddhism
Report on Surgery to the Santa Clara County Medical Society
Rethinking Retirement -How to create the life you want without waiting to retire
Rich Man's Coffin
At Road's End (Pre-Aztec Series, Book 1)
How QR Codes Are Rockin' Businesses Online And Offline
Romy's Garden Adventures (Christmas City)
Lady Rosamond's Secret A Romance of Fredericton
Roses in Winter
Rough Living: Tips and Tales of a Vagabond
Run Away
SEAL Endeavor (SEAL Brotherhood)
STANLEY'S
Sabor Latino: Flavors from Cuba, Mexico & Spain
30 Savory Scrumptious Seafood Dips
Sea to Eternity: Treasury of Inspirational Poetry
Search for the Bark Warwick (Warwick Saga)
What Is The Secret of Gratitude?-How to Attain an Attitude of Gratitude (What Is?)
Seed of Avraham - The 4000 Year History of the Jewish Family
Selma at 4 A.M.
Shades of Gray: A Novel of the Civil War in Virginia
Shear Terror (Wool Fanfiction)
25 Simple Casserole Recipes for Any Occasion
Simple Spiritual Solution: How to Create Happiness and Health
Simply Delicious Vegetable Soups
Slow Cooker Meals (Working Mom Easy Slow Cooker Meals)
(adult title deleted)
(adult title deleted)
Is SMO the New SEO? The Rise of Social Media Optimization (Social Caffeine)
Soup and Stew Recipes
Mama's Southern Cookbook-28 Old Fashioned Cake Recipes From Scratch
Star Force: Inception (SF1)
Still Chattel After All These Years (Still Chattel Collection)
(adult title deleted)
(adult title deleted)
Story Design: Storyteller's Handbook for Writers and Dream Merchants
Stressed Out Moms' Devotions to Go
Struggles
60 Top Tips for Successful Freelancing (Business Matters)
Superfoods And Their Benefits
Healthy Secrets Superfoods Recipes (Incredibly Healthy & Delicious Collection)
Surviving Unemployment Devotions to Go
Swan Place
Sweet Tooth Diva Devotions to Go
Switch!
Tales of Occult Horror: Real-life Encounters with the Supernatural
Taste of Korean Food and Thought
The Abduction of Mary Rose
The Assassins Code (The Assassins Journey)
The Book of Joseph
The Call of Zulina: Book One in Grace in Africa
The Confessions of Queen Cinderella
The Dropshipping Guide: How to Start Your Dropshipping Business Without the Learning Curve
The Ganesha Keystone
The 10 Habits of Successful Writers
The Hedgehog Princess
The History of Napoleon Buonaparte
The Homemade Cook: Homemade French Sauces - Quick & Easy Dinner Sauces and Recipes to make any meal lip-smacking
The Hope of Shridula: Blessings in India Book #2
The Incubus
The KKK Coincidence: A True Story
The Kincaids
The Lady Luna Wicca 4 in 1
The Life of a Colonial Fugitive
The Loch Lass: The Discs of Caledonia Highlander Romance Series Part I
The Lost Ark
The Lost Canvas
The Nigerian Tragedy
The Pastor's Pen: Eating from the Tree of Life
The Pattern & The Glory
The Poetry of Seraena
The Race for Money: Investment Ideas
The Shopping Swap
The Star of Christmas
The T.A.S.S.L.E. Plan
The Texicans
The Ticket
The Tube Riders
The Twilight Years - book 2, the twilight years
The Wooden Box (The Goode Family)
The Woods of Smyrna
30 Things You Should & 30 Things You Should Not Be Doing To Yourself
Thirty Seven Ideas For Tactical Managers*: *Improve Your Project and Process Management Skills!
This Time You Lose
Thoughts of A Common American: I've Had Enough!
Time Management: A Holistic Approach
Top Tips for How to Publish and Market Your Book in the Age of Amazon: 3 Top Tips Books in 1
iOS App Store - Real Boxing - $0.99 (reg $4.99)
Added on : Thursday December 20th 2012 02:00:09 PM
Real BoxingiOS UniversalRated 12+ for the following:
Infrequent/Mild Mature/Suggestive Themes
Frequent/Intense Realistic Violence
Frequent/Intense Cartoon or Fantasy Violence
★★★ Now available for a sensational price of 0.99 USD! Limited time offer. GET IT NOW!! ★★★
Apple AppStore Editors' Choice! TOP10 Sports games in over 100 countries!"Its called Real Boxing for a very good reason, and it lives up to its name impeccably well." 4.5/5 Touch Arcade"Its difficult to argue with a game that looks this good, and plays as well as Real Boxing does. There are so many things to like about this game, beyond how stunning it looks." 5 stars! Apps Magazine"Real Boxing offers a console quality boxing experience. It plays as great as it looks." 4.5/5 148 Apps"Real Boxing looks amazing...Real Boxing can indeed be crowned the undisputed king of iOS fighters" 4 stars - Touchgen"This Striking Motion-Controlled iOS Boxing Game is Completely Unreal" Kotaku"The details that went into each fighter as well as their movements will cause your jaw to drop in astonishment. This is a champion amongst fighter games!" 9.5/10 Appstore Arcade"Arguably the best sports game weve seen in four years of App Store releases. An absolute must-buy for boxing fans, and gamers looking for some cutting-edge iOS gaming." 5/5 ApptudesReal Boxing brings you the most exhilarating, no holds barred fighting action ever seen on the App Store, taking you closer to the action than you ever thought possible. Combining eye-popping ultra-realistic graphics with the revolutionary V-Motion Gesture Control System, Real Boxing lets you control your fighter with real punches through your devices camera.Featuring ultra-realistic motion capture from real boxers plus amazing graphics from the powerful Unreal Engine 3, youll see sweat and blood fill the air and youll feel every hook, jab, and uppercut in Real Boxing, the most exciting boxing game yet on the App Store.★★ Amazing 3D Graphics & Sound ★★
The amazing Unreal-powered graphics and motion capture create astonishing levels of realism. Youll watch sweat and blood fly with every punch and see your opponents face take injuries- then relish to slow-mo action replay of your greatest KOs. Fight in four atmospheric arenas with authentic commentary. See the flash of the camera bulbs, hear and feel the roar of the crowd like youre really there.★★ Revolutionary V-Motion Control System ★★
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Take-on Career Mode with over 30 fights and three belt titles to conquer. Fight over 20 opponents with their own unique and adaptive fighting styles then train your boxer with mini games including skipping rope, heavy bag and mini bag. Also play KO and Clinch minigames during a round for an energy boost.★★ Take it Online With Multiplayer ★★
Duke it out with your friends in real-time via Game Center. Also plug into your TV for a truly console-like experience.★★ Packed with Extra features & Customisation ★★
Unlock new equipment, extra opponents and customised clothing. Customise your fighters appearance: hairstyle, skin colour, tattoos and clothing.
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Taking a promotion without immediate pay increase
Added on : Wednesday December 19th 2012 12:01:11 PM
In light of some recent career oriented questions I've seen on FW - I've decided to post this to the community to get their thoughts.I was recently approached about taking a promotion within my company to a more senior position. This would include more overall responsibility for direction of company goods & services. Right now in my current position I am basically an individual contributor.The issue that I have is that after I verbally accepted(not officially from HR) the position, that I would not be receive my base pay increase until the company hands out its annual raises next year 5+ months away. After speaking with my boss, the impression he gave that it was just standard practice unless you were at an executive level. I initially didn't have any problems with this, assuming that I wouldn't start the new role right away, but a follow up with my boss seems to indicate that I would start ASAP in this position. So my question to the community is, should I just accept the fact and move on, or should I push for at least back pay if I start right away. I don't want to sound pushy but at the same time I don't want to be taken advantage of.Thanks for reading - let me know if anything is unclear.
http://www.amazon.com/Make-More-Worry-Less-ebook/dp/B004LB5GLWMoss proposes fresh ways to succeed in a corporate environment using the four-step HUNT method he established in his first book, a primer on entrepreneurship called Starting from Scratch: Harness what you have, Underestimate your obstacles, Notice your network and Take the first (or next) step. The book's four parts cover each leg of the acronym, and each of the 18 chapters are tied to a specific individual's success story on the frontlines of such companies as Ogilvy Public Relations, PricewaterhouseCoopers, Warner Music, Coca-Cola and GE. Narratives are mined for principles ("Keep it simple") and practical tips (put off casual reading in favor of "thinking through the coming meeting") while keeping a steady eye on the big picture-moving forward and building momentum. Conversational and straightforward, this guide to sensible career advancement should prove useful and encouraging for those new to the workforce, as well as those stuck on the lower rungs of the corporate ladder.
Copyright Reed Business Information, a division of Reed Elsevier Inc. All rights reserved
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FranklinCovey Style Guide: For Business and Technical Communication can help any writer produce documents that achieve outstanding results. Created by FranklinCovey, the world-renowned leader in helping organizations enhance individual effectiveness, this edition fully reflects todays online media and global business challenges. The only style guide used in FranklinCoveys own renowned Writing AdvantageTM and Technical Writing AdvantageTM programs, it covers everything from document design and graphics to sentence style and word choice. This editions many improvements include extensive new coverage of graphics, writing for online media, and international business English. Through dozens of examples and model documents, writers learn how to overcome writers block and efficiently create documents from start to finish. FranklinCoveys experts show how to get powerful results from every email; add distinctiveness and power to any online presence; write far more effective proposals, letters, memos, reports, and resumes; and improve all forms of documentation, from business procedures to highly technical content. Youll learn how to quickly discover and prioritize the information you need, whether youre planning a presentation, leading a meeting, or managing a project. The authors reveal how to design visuals that communicate messages instantly and intuitively, and use charts, color, illustrations, maps, photos, and tables to supercharge any presentation. Packed with up-to-the-minute examples, this A-Z guidebook can help you write more effectively no matter who you are whether youre a business or sales professional who must motivate and persuade, a technical professional who must explain challenging content more clearly and accurately, or a student who needs stronger writing skills to succeed in school and in your career
Text
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inherited $13,000 today. how to use it?
Added on : Sunday December 16th 2012 08:01:15 PM
Grandpa is in bad shape and has serious ongoing health issues, including dementia. first time i ever got money i didn't earn.25, have a solid career, and i am anxious to buy a condo. got 25k in student loans and 4k or so on a car loan. should i stop renting and buy? seems like a good time to do so.
Tell Me When It Hurts by Christine M. Whitehead -Kindle ($5.99 ) Free
Added on : Thursday December 13th 2012 05:00:53 PM
http://www.amazon.com/Tell-Me-When-Hurts-ebook/dp/B0081LCO9K4.5 out of 5 stars(68)Archer Loh, Seven Sisters grad and Olympic-level rider, has been groomed as a government assassin. First in her class, shes a prime asset to her agency. However, she rejects the opportunity to kill for the good guys and instead embraces the quiet life of suburban lawyer, wife, and mother. Her violent apprenticeship remains her secret.
When her only child is murdered and the killer goes free on a technicality. Archer Loh ditches family, career, friends, and horses, to define her own agenda and brush up on her rusty lethal skills. At her darkest ebb, Connor McCall, Harvard-educated financial baron turned Wyoming sheep rancher, stumbles into Archers life and everything changes.
Free Microsoft Press eBooks + Some Other Useful eBooks
Added on : Thursday December 13th 2012 04:00:03 AM
As a software developer, I regularly scour the web for free e-books in order to suppliment my collection of reference materiel for my profession and to further extend my limited budget. Here are my latest finds and updates to links for books I (or others) may have posted previously. Some are books targeted specifically for the developer audience and others have a much broader application. Hopefully you will find something useful, enjoy!
Microsoft Press Website Free eBooks
The following books are included:

Programming Windows Phone 7 by Charles Petzold
Moving to Visual Studio 2010
Introducing Microsoft SQL Server 2008 R2
Understanding Microsoft Virtualization Solutions
Own your Future: Update Your Skills With Resources and Career Ideas From Microsoft
Inntroducing Windows Server 2008 R2
First Look: Microsoft Office 2010
Deploying Windows 7

Free Kindle Editions From the Amazon web site:
Includes:

First Look: Microsoft Office 2010
[Introducing Microsoft SQL Server 2012
[Moving to Microsoft Visual Studio 2010
[Introducing Windows Server 2012 RTM Edition
[Microsoft Office 365: Connect and Collaborate Virtually Anywhere, Anytime: Connect and Collaborate Virtually Anywhere, Anytime
[Introducing Windows Server 2012
[Security and Privacy for Microsoft Office 2010 Users
[Introducing Windows 8: An Overview for IT Professionals
What Is HTML5?
What's New in Java 7?
What's New in Flash Player 11
HTML5 for Publishers
What Is Node?
Eric Ligman has posted two collections of free ebooks on his blog. Some of the titles are the same as those listed above but there are quite a few additions as well.Collection 1
Collection 2
Continue freelancing or move on to an office job?
Added on : Thursday December 13th 2012 12:02:09 AM
A little background: Long time reader, first time poster. I just turned 24 and graduated from college about a year and a half ago with a Bachelors in Computer Information Systems. During college I did both web design and helpdesk/desktop technician work at my university. Despite the job experience, I had a tough time finding anything that paid decently when I job hunted from May-December 2011. By December I had grown discouraged, so I decided to look for freelance work. In January I found a full-time gig as a telecommuting project manager/writer for a small web development firm in Toronto. I've now been working in this role for 11 months, though only 10 of them have been full-time. While I enjoy the work and am paid ok for a single person living in Michigan (pay this year will be roughly $25,000 and should be higher next year), I've still got my eye on the future and where I want to be career-wise in a year or two.There's two things I dislike about this job. The first are all of the taxes I have to pay as a self-employed individual--this year it won't be too bad, but next year is sure to be more expensive as my income will rise. The second is that there are (obviously) no benefits--right now this isn't a huge problem as I am on my dad's excellent health insurance plan, but I'm already looking ahead to 2015 when I age out of it. I've already looked into health insurance and can see that there's a huge increase in rates when a woman turns 26 (presumably the prime "child bearing" years). Obviously, I know most employers aren't going to give the generous insurance that my dad's employer did, but it'd be nice to not have to entirely shoulder the burden on my own.I should also mention that I have student loans and debt. Yes, I've made some STUPID mistakes in the past, but I am doing my best to recover from those. Last year I owed nearly $13,000 in cc debt and was past due on all accounts; now I owe $9500, am current, my credit score is finally recovering and I will be out of cc debt by 2015 at the very latest, if not 2014 if I can throw some extra money at the debt. I have about $24,000 in federal loans that are currently on the income based repayment plan (essentially, given my past income, I will not have to begin paying anything on these until February 2014) and $4200 in loans that I've already began to repay.My monthly expenses are a bit on the high side for someone that still lives at home--factoring in bills, food, vet expenses, the debt and tax withholdings/payments, I need to pull in at least $1600 per month to live comfortably; $2500 per month to pay extra towards my debt and start building up a decent savings account. I don't own a car at the moment and share a newer model one with my mom and am on their insurance plan.Considering all this, I'm left with a couple of options:(1) Keep freelancing but take on additional work to raise my monthly income to $2500 after taxes.
(2) Find a full-time job around here with benefits that pays $2500 per month after taxes--or around that and continue to freelance to make up the difference.The thing that worries me about continuing to freelance is will this make me unemployable in the future? I know some employers do not take freelancing seriously and I'm thinking the longer I freelance and am out of college, the harder it will be to find a job. There's also the issue of health insurance, even though it's 2 years away from being a reality. The thing that worries me about switching to a local office job is what if I'm miserable or cannot adapt to the different environment? What if I get laid off? Then again, I suppose the same thing could happen with my current position.And what jobs should I be applying for? Project manager positions in IT (a lot of the ones I see ask for 2+ years experience and I'll only have 1 as of next month) or support technician stuff similar to what I did in college and had two years experience doing? And when do I begin to look at getting a car of my own or a place of my own? After I've been on the new job for a while? Considering I'd be commuting using my mom's car (unless it's somewhere local local where I could be dropped off/picked up) it'd be tough, but I suppose doable for a while.Any advice for a young IT professional looking to follow the right path toward a successful future both career and finance-wise?
how do I find a new job in this economy?
Added on : Tuesday December 11th 2012 02:01:04 AM
I was one of the unfortunate to lose my job in the finance industry a couple of months ago. This is the first time I've been without a job since graduating from college. It was much easier to get interviews back then even when I was looking to switch jobs during the height of the financial crisis. I've reached out to people (although none have worked out and I've run out of people to contact), am scouring job boards, monitoring multiple university job boards, and sending customized resumes to anything where I can see myself working. I've job hopped more than I should have in the past so I believe I should stay in my next position for at least 3+ years and I want to try to land a position that is somewhat relevant to my career path. Is this all I can do at the moment? Continually send my resumes in and hopefully I get a callback?
How else can I spend my time more effectively?
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http://www.amazon.com/The-Art-Asking-Questions-ebook/dp/B004M18N...
Ask the Right Questions in the Right Ways...And Get the Answers You Need to Succeed! Discover the core questions that every manager needs to master...how to avoid the mistakes business questioners make most often...ten simple rules for asking every question more effectively. Learn how to ask tough questions and take control of tough situations...use questions to promote innovation, drive change, identify hidden problems, and get failing projects back on track. Ask better questions, get better answers, achieve better results! Required reading for every leader who wishes to see his or herorganization flourish and career progress.Garry A. Neil, MD, Corporate Vice President, Johnson & Johnson Asking, listening, understanding the real meaning of the answers, and taking actions based on facts are really the essence of managing. This book has helped me in connecting the dots in my understanding (and lack thereof) of why things really did not work the way I expected them to.
Pradip Banerjee, PhD, Chairman and Chief Executive Officer, Xybion; retired partner, Accenture The framework and techniques provide outstanding ideas for executives to both gain better information and develop the analytical skills of their teams.Terry Hisey, Vice Chairman and US Life Sciences Leader, Deloitte Weve all met the corporate inquisitor: the individual whose questions seem primarily intended to terrify the victim. The right goal is to solve the problem--and to build a more effective, collaborative organization where everyone learns from experience, and nobodys too intimidated to tell the truth.
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http://www.amazon.com/Five-Steps-Your-Next-ebook/dp/B0058DX9FCIn Five Steps to Your Next Job, Narinder Mehta explains how to: assess personal skills and job interests; put together a good resume and targeted cover letters; identify potential employers; prepare for job interviews; and evaluate job offers. The book is based on the author's personal experiences as a job-hunter, as a manager responsible for hiring employees,and as an executive recruiter. It provides a framework for successful job search. Essential steps in the job search process and techniques for successful completion of each step are explained. The book clarifies how to use the Internet for job search and includes a list of the job-related websites. The jobs often go to those candidates who know the most about the job search process. The book will help the readers to gain that knowledge. It is a how-to-do-it manual filled with practical ideas
http://www.amazon.com/Five-Steps-Your-Next-ebook/dp/B0058DX9FCLead to Succeed and You Won't Manage to Fail" gives you
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Learn first hand what it takes to lead like a legend, because if you can
lead well... you won't manage to fail.
New Job Offer?
Added on : Friday November 30th 2012 11:01:07 AM
I currently have a job that I'm not happy with and haven't been happy with for a while now.I interviewed with another company and asked for a salary that would be a 40% pay increase for me, the employer said they had in mind a salary range for me that would be between a 10% - 25% raise for me, they got back to me and verbally offered me the top number, so it would be a 25% increase for me. However their benefits aren't quite as good:-current employer has high-deductible health plan with HSA, so my premiums are low and I also get a HSA match
-new employer has a traditional low-deductible health plan, so no HSA, higher premiums
-current employer has a 401k match although it's crappy, new employer doesn't do a 401k match
-I have seniority with current employer so I have 4 weeks vacation, with new employer I will only have 2 weeks vacation
-current employer has an annual bonus which won't be paid out until next year so I'd be leaving money on the table, new employer has no annual bonusI like the new employer and think it will be a better move for my career long-term. Because my skills are pretty specific and the job opening is fairly rare, I likely won't have a good opportunity like this come around again for a while.So between increased insurance premiums and lost retirement contributions it's going to only be effectively a 15% pay raise. The new employer has told me they can't offer me a higher base salary. I'm going to next bring up a signing bonus, but I'm not sure if they will even entertain it. What should I shoot for? If they give me no signing bonus I'm concerned this may not be the best move for me, would it be a bad move to try to renegotiate the base then? The last thing I want to do is have the new employer rescind the offer.
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How to further my career? Engineering
Added on : Saturday November 24th 2012 12:01:22 PM
I consider this a finance question as I am an entry level mechanical engineer looking to progress my career and make more $$$.
What type of skills/certifications might be beneficial for a mechanical engineer to learn to progress his or her career?I've been at my first job for a year, where I am a Laboratory Engineer. Mainly what I do is qualification testing of new or modified products, and production troubleshooting (root cause analysis, etc).I just don't know where to go from here. Every job I've looked at (I moved out of state for a decent job opportunity) back in the area I wish to move to, they're all process engineering or product development jobs. I have no experience in either of these areas.Any engineers give good career/financial advice for me going forward? I'd greatly appreciate it.
Job Decision Help?
Added on : Friday November 23rd 2012 11:01:18 PM
I've been wrestling with this wonderfully horrible decision to make in regards to jobs and thought I'd pose it to the FWF community for comments.Current job (after January 1st): 15 days vacation + 8 holidays per year, 40 hour work week, 3% 401k match, $6k/year for medical insurance which covers 70% of costs (this is important as we have 2 small children so we can't avoid all medical costs). We, in part because of a horrible rental property that we can't do anything with for a few years (Bank of America won't renegotiate anything and the house is heavily under water), currently have about $15k in credit card debt which is at 0% interest until October 2013. Salary is $92k/year and I'm topped out at my current location. My job duties will change in January requiring me to increase my commute from 30-45 minutes each way, to 2-3 hours each way 3 out of 5 days a week (other 2 days will remain at 30-45 minutes)...all at no increase in salary though mileage will be reimbursed. Expected pay off of debt will take 2-3 years.Option 1 - Chicago: Pay increase of $18k, 27 days vacation + 10 Holidays per year, 40-50 hour work week, 7% 401k match + full pension (which includes medical if I can stay there 10+ years), $4k/year for medical insurance which covers 90% of costs. Relocation will cover all but about $5k in relocation costs. With the additional relocation costs, it would still take roughly 3 years to pay off our debt. The job is precisely what I want to move my career towards in the IT Security field. Openings at this location are really hard to come by because people tend not to leave.Option 2 - Germany: Pay increase of $18k but an effective pay increase of much more because it's structured to be entirely tax free. 27 days vacation but 0 Holidays per year. 40 hour work week consisting of working four 10 hour days a week, 3% 401k match, $4k/year for medical insurance which covers 90%. The job is better than what I'm currently doing but perhaps not as good as the job in Chicago. It would take less than a year to pay off our debt. Relocation costs would cover all but about $7k-$10kSo the big question I have - would you take the better job with better long term benefits (Chicago) but take another 2-3 years to pay off the debt meanwhile renting a house in the Chicago area until the debt is taken care of, or would you take the higher paying job which will only last at most 3 years in order to rapidly pay off the debt now, have benefits that are much lower long term with little to no guarantees of a job opening similar to Chicago when we return. Career outlook would still be pretty good, just perhaps not quite as goodThoughts?
looking for micro business ideas to teach kids about entrepreneurship
Added on : Tuesday November 20th 2012 06:00:57 PM
I volunteer with a local Boy Scout troop, and one of the topics that we will be discussing in the near future is personal finance/future career possibilities. One of the topics that I would like to hit is entrepreneurship. Since they are too young still to get regular jobs (only kids between the ages of 12-13 will be in this segment), I wanted to have them come up with ways that they could make money. However before putting myself in front of a bunch of rambunctious kids I wanted to pose the same question to the FWF community to see what types of ideas you can come up with so I can use the material to lead the discussion in case no valid ideas are presented by the kids.Basically I want to present the following questions:How could a 12/13 year old kid go out and make:
$1?
$5?
$10?
$20?
$50?
$100?Keep in mind that being only 12/13 they are limited by having close to no capital, very little means of transportation and minimal hours available to "work" and no access to credit lines (unless a parent steps in - but I don't want to have to count on that). But on the other hand, their opportunity cost is rather low so things that an adult would consider an inefficient use of time to earn a couple of dollars might be worth it to them.My general philosophy while working with the group is to enable the ambitious, inform the interested and entertain the rest. So I am looking for not only valid ideas that some of them might try, but also funny things that will at least make them laugh. Also worth noting is that this is not a fundraiser of any sort - I will just present the idea and if any of them do it, it will be on their own time.Sample ideas:
$1 - buy candy and resell it
$5 - go door to door selling "no soliciting signs"
$10-20 - mowing lawns Just to get the formalities out of the way: 1 - No I will not send pictures, 2 - when it is time to teach them to drive I will be looking for a crown vic.Any ideas to add to the list?
Free 4.7 Star Kindle Book Game Plan for Life by Joe Gibbs $15
Added on : Sunday November 18th 2012 07:00:06 PM
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http://www.amazon.com/Critical-Thinking-Strategies-Collection-eb...Three remarkable books help you think more clearly, flexibly, effectively and transform better thinking into better personal and business performance! Critical Thinking: Tools for Taking Charge of Your Professional and Personal Life offers practical tools for becoming a better thinker in every aspect of your life: in your career, and as a consumer, citizen, friend, parent, and lover. Richard W. Paul and Linda Elder reveal the core skills of effective thinking, helping you analyze your own thought processes, identify weaknesses, and overcome them. The Truth About Making Smart Decisions brings together 50 powerful truths about making better decisions: real solutions for the tough challenges faced by every decision-maker, in business and in life. You'll discover how to systematically prepare to make better decisions...how to get the right information, without getting buried in useless data...how to minimize your risks, and then act decisively...how to make better group decisions...profit from mistakes...and a whole lot more. Finally, Now You're Thinking!: Change Your Thinking...Transform Your Life draws on an incredible story of survival in wartime to introduce a model of critical thinking that will help you recognize how your emotions are shaping your actions, evaluate arguments more effectively, and draw conclusions that lead you directly to better life decisions.  From world-renowned leaders in the promotion of effective thinking, including Dr. Richard Paul, Dr. Linda Elder, Robert E. Gunther, Judy Chartrand, Stewart Emery, Russ Hall, Heather Ishikawa, and John Maketa
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Best way to approach career in tax
Added on : Monday November 12th 2012 12:00:58 AM
I've decided I want to work in tax. I am finishing my bachelor's in accounting and finance right now. I have a 3.5 GPA, so I expect I would be able to get into a good grad school (but probably not Harvard). I'm wondering what are the benefits and drawbacks of each of the following ways of approaching a tax career:1. Enrolled Agent. I could just take the enrolled agent exam, and be able to do taxes. If I did this, what types of jobs would become available? Would I be looking at contract work during tax season, or is it relatively easy to get into tax planning and controversy work?2. CPA. I would need to either do an MS in tax, or go back to the community college and take about a year's worth of classes to be eligible to take the CPA. Is there is a benefit to the MS vs. just getting enough hours for the exam? What jobs are available outside of the Big 4? Are there any options where I could expect to earn a reasonable living and not have to work 60-80 hour weeks?3. Tax attorney. I am considering going to law school to specialize in tax. Obviously, this has the most time commitment (another 3 years). Do tax attorneys make enough more than CPAs or EAs to justify the time investment? I would say that, of the 3 options, this seems to be the most interesting to me. If I do this, should I get an LLM? And should I look at law schools any differently given that I am specializing in tax?
I need to make about $20,000 more a year. How to do it?
Added on : Sunday November 11th 2012 03:00:57 PM
26, graduated college with a degree in economics. I have a career going, but I am only making $41,000 (although I am still entry level and that's poised to increase significantly over time).
I am looking to get into something around my work schedule (which is flex time, any 8 hours between 7 AM and 7 PM). Open to either starting my own side business or getting a well paying side job. Something I was thinking about doing was apprenticing at a locksmith, learning the business and then eventually partnering with someone and opening up our own shop. Any suggestions?
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Added on : Friday November 09th 2012 08:00:49 AM
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$25.99 Shipped for 9 movies, Thats less than $3 eachhttp://www.amazon.com/gp/goldboxToday only, The Mel Brooks Collection on Blu-ray, a nine-film retrospective of Brooks' career. The Mel Brooks Collection includes such classics as Blazing Saddles, Spaceballs, Young Frankenstein, High Anxiety, History of the World Part 1, Robin Hood: Men in Tights, Silent Movie, To Be or Not to Be, and The Twelve Chairs.
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The Mel Brooks Collection on Blu-ray $25.99 Shipped @ Amazon Gold Box
Added on : Thursday November 08th 2012 02:00:02 AM
http://www.amazon.com/gp/goldboxToday only, The Mel Brooks Collection on Blu-ray, a nine-film retrospective of Brooks' career. The Mel Brooks Collection includes such classics as Blazing Saddles, Spaceballs, Young Frankenstein, High Anxiety, History of the World Part 1, Robin Hood: Men in Tights, Silent Movie, To Be or Not to Be, and The Twelve Chairs.
LIfetime Guaranteed Universal Life
Added on : Sunday November 04th 2012 02:00:51 PM
Lifetime Guaranteed Universal LifeBuy it now! Buy it now! Buy it now!This is only the second time in my career that Ive spent time pushing a particular product.In 2005, a major insurance company had their long term care insurance with lifetime benefits priced about 30-40% below their competition and they were getting set to increase their premiums on new clients. What I told my clients and prospects was that if they planned on buying long term insurance at some point in the future that they should strongly consider purchasing it at that time. In hindsight, pushing the sales and the purchases that my clients made turned out to be a very wise financial decision. For most of them, if they tried to buy coverage today, the price would be 3-5 times more expensive and it would be without lifetime benefits.
Because of new regulations, we are about to start seeing huge price increases with the guaranteed universal life policies. Some companies have re-priced their policies. Others have announced price increases starting at the end of this month. So, what Im really saying is that if it is a product that you may consider now or in the future, it makes sense to look at it immediately.What exactly is Lifetime Guaranteed Universal Life?Lets make this easy. The easiest way to think of this is to consider it either lifetime term insurance or Whole life insurance without any cash surrender value. In short, it is life insurance with a guaranteed premium and a guaranteed death benefit. Assume that the cash surrender value will be $0.Ex. Jim is 50 and has no health issues. He wants to leave behind at least $1,500,000 regardless of whether he dies tomorrow or at age 90. He can buy a $1,500,000 policy for $11,700/year.Regardless of when he dies, his beneficiary will get $1,500,000. What if he didnt buy insurance and invested the money instead and received 5% after tax?After 20 years, he would have $406,000
After 30 years he would have $816,000
After 40 years, he would have $1,486,000Since he cant go on the assumption that he will live until hes 90, he looks into a buy term and invest the difference strategy. 30 year term is $4,400. If he lives to age 90, his investments ($11,700 - $4400 ) of $7300 for 30 years and $11,700 for 10 years at 5% would equal $984,000. At 5%, the break even point would be around age 98.What if he lives to age 85, what will his investments need to earn in order for him to leave behind $1,500,000 if he bought a 30 year term policy? He would need to earn about 8.5% after tax to leave behind $1,500,000.Heres the bottom line.
1)These products can make sense if the goal is to leave money behind at death regardless of when death occurs. (Most people do want to leave money behind (spouse/child charity))
2) Because of price increases, if something like this is of interest, dont wait. Look into it today!
3) There are many reasons why one wouldnt want to make a purchase. It is certainly not appropriate for everyone, but the point that I really want to get across is to look into immediately. You can then choose to reject it if it isnt appropriate for your situation.Just like I firmly believed that the life insurance company had underpriced their LTCi, I feel that the industry has underpriced these life insurance policies. It isnt often that consumers can take advantage of insurance company mispricing. This is one of those times.
New Job Signing Bonus Dilemma
Added on : Saturday November 03rd 2012 02:00:50 PM
Hello all,I am in bit of fix. I am about to leave my 5 year old job for one with better responsibilities, pay and growth opportunity. The new company (Company A) is offering me $25k as signing bonus and it will be definitely reported to IRS (on form 1099, i believe). The start date is Jan 1, 2013. The dilemma comes from the fact that I am in talks with another firm (Company B) for a job, which fits the description of a dream job at the current stage in my career. But, the second company is big and slow in terms of hiring process and I am not expecting an offer from them until spring 2013. I wish B decided to hire me prior to Jan 13. Then it will be much simple.But, if they don't and I take the signing bonus from A, can I return it let's say after six months if I have an offer from B? Without affecting my tax liabilities for the year? I don't want to keep it and leave Company A; for the reason that my field is very specialized and I may run into folks from Company A in future. I don't think delaying the signing bonus is an option with Company A, since their offer says it will disbursed in the first week.And, yes. Both the jobs are way better than the current one. So, I don't want to wait till Company B offers (or not), and missing out on Company A in the process.Thanks in advance for you comments and suggestions.
First of all, I feel like I should get kudos for not using an alt-ID. Looking for advice on the following:
My mother (divorced), has 2 kids, both grown.
My mother is now force-retired, aka got laid off a year ago, and at 65 years old had difficulty getting a new job, and has now given up.
My grandfather recently passed away, and the estate is now in probate. My mom looks to get about $3.5mil in assets (stocks and residential rental properties).Mom never really had much $$ before this, so she's not very financially savvy. I'm starting out in my career, so although I'm decent with selecting stocks to invest, making sure I'm putting into 401k/IRA, I'm not wise on dealing with estates of this size.Mom is kind of a homebody, and just likes to read/watch TV. She hates to travel. In other words she doesn't have any real interest in "using" her inheritance, or however you want to phrase that.She is interested in knowing how best to pass as much assets as possible onto her 2 kids. She has specifically mentioned concern about the following 2 items: federal/state laws changing so that this will become taxable by the time she passes; a large chunk of the estate getting gobbled up if she has serious medical problems later in life.The only ideas I have so far:
She can give her kids $13k a year in gifts tax-free. (While still alive, if she so chooses)
She could put the rental properties into an LLC, and list the kids as partial owners of the LLC. Does this do any good? I know an LLC shields the individual, but is the LLC shielded FROM the individual (in regards to medical bills)? This makes mom vulnerable (I think) to kids getting greedy and trying to seize their part of the LLC while she is still alive, and I've warned her of such.Obviously she (we?) will be talking to a lawyer, but I thought I'd ask her just to get some initial advice/ideas.Thanks.
Young, Unemployed, Broke, Paying for Masters Degree
Added on : Wednesday October 31st 2012 01:00:57 AM
I have a B.A. in History and haven't been able to get a decent job for 2 and a half years. I've decided to go to
grad school. A lot of people I know who haven't found a decent job are going to grad school to build a more attractive
resume and remain active during the bad economy. With a B.A. in History I probably do not qualify for an MBA or a degree in economics or finance, I don't have the required
background for admission. I also do not want to go to med school. Any advice on what I could study? A good career that will
bring success and stability?Also, how to pay for it? I hear that some phD programs are free if you are able to get a fellowship or assistantship, but they are
not always easy to get. I'm not sure whether I should go for a phD or just do a masters. Unfortunately I hear scholarship for masters
students are rare. I can't get my employer to pay for the degree because I don't currently have a good job at all.
I figure a state school might be cheaper obviously, but still very expensive.Any advice on which career path I should choose? Any advice on how to pay for grad school, either for free with grants or assistantships,
or for relatively little money (compared to what some people end up paying). I already have $40,000 in student loans from my undergrad
so I can't add too much in loans.By the way my GPA was 3.3 and I scored 600 and 600 on the GRE. So not great but definitely not bad.Thanks for helping.
Three great books present breakthrough techniques for managing innovation, projects, people, and business performance! Innovation: Fast Track to Success presents a practical framework for identifying new commercial opportunities and developing new and better ways of doing things. This integrated framework helps you get all six key elements of innovation right: planning, pipeline, process, platform, people, and performance. Project Management: Fast Track to Success shows how to adapt and simplify project management tools and techniques to make them maximally relevant to modern business operational activities. Finally, in Managing People & Performance: Fast Track to Success, David Ross shows how to get the best possible performance out of every member of your team, whatever their personality or skillset. Ross shows how to build a high-performance team by gaining deep insight into each individual team member and motivating them to work together to deliver the results you need. Together, these three books will teach you the key skills you need to excel as a manager--and accelerate your career development! http://www.amazon.com/Track-Business-Success-Collection-ebook/dp...
http://www.amazon.com/Make-More-Worry-Less-ebook/dp/B004LB5GLWThese principles will not only help you sleep at night, theyre steroids for your paycheck. This book is a cant miss if you want economic freedom without having to start your own business!Barbara Babbit Kaufman, Founder and Former CEO of Chapter 11 Book Stores  As the owner of a rapidly growing global brand, our business success hinges upon employees who are willing to take the ball and run with it! If youre a business owner or executive responsible for team results, these principles will have people knocking over walls for you!Giovanni, The Margarita King Owner and Founder of The Margarita King, www.themargaritaking.com   As an entrepreneur and former Wall St. investment manager, this book is easy to relate to for anyone who has ever thought about starting their own company, but just never had the perfect idea. Until that perfect idea arrives, this book provides the secret of blending whats great about corporate America with the highlights of business ownership.Kwame Jackson, Apprentice Season 1 Finalist, Entrepreneur/Speaker/Author, www.kwamejackson.com   What a cool concept! Moss shows how you can find a balance between working for someone and working for yourself. Its the best of both worlds! I dont care what level you are at workyou can start today!Allison Saget, Author of The Event Marketing Handbook, www.eventblt.com   Finally someone has just come out and said ityou can still get rich working for a big company! Moss shows you the way, no matter what industry youre in!Katherine Vessenes, CFP JD President of Vestment Advisors  This is a great concept! As an entrepreneur, I know how hard it is to start a business from the ground up. This book reveals the secrets to business ownership without having to start from scratch. Moss has become quite an inspiration on this topicJen Klair, Founder of www.jenklairkids.com   Make More. Worry Less. Everyone wants to do thatbut how? And how can you do it within the organization, where most people will spend their entire working lives? This book has the answers. No academic theory here: Make More, Worry Less brings together 18 riveting stories from people whove achieved both of these goals, gaining surprising wealth and real peace of mind along the way. These arent superheroes. Theyre ordinary people whove done the extraordinary: from fast-food worker Linda Robb, now earning a six-figure income at Aflac, to once lowly telemarketer Steve Hudson, now running business development at one of the most promising start-up companies in the nation. Author and radio host Wes Moss reveals the powerful lessons these individuals have learned. Better yet, he shows how you can use those lessons to take ownership of your life and career, earning more money than you ever thought possible. But thats only half the equation! Moss also shows how to handle your increased success with less stress, fewer worries, and greater happiness.Every single story in this book is accompanied by specific tips, tricks, steps
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Request for career advice (Update ...)
Added on : Tuesday October 16th 2012 07:00:51 PM
I posted an earlier topic (Request for Career Advice) a few months ago. It's now archived.Recap:
-----
1. Wifey was a stay-at-home mom, looking to get back to work after minding the kids for 6 years. 2. She had a liberal arts background, with an MA in English Literature from a college in India. She was an "Adjunct Professor" there before coming over here. 3. She loves teaching and wanted to be a school teacher. Initially she wanted to be an Elementary teacher (so that she could work in the same school that the kids are goint to go to). That later changed into becoming a math teacher instead. Since Then:
-----------
1. She continued to take math/science courses. She has gathered up about 20 credits already with spring and summar courses. For the current fall, she has 10 more credits in progress. 2. She has maintained straight A's, including an A+ in a summar course from one of the local state universities that give it. 3. Continued to work as a "Math Tutor" in the local community college. 4. In the course of the last few months, her goal has now changed! She no longer wants to be a school teacher (thank god!!). I credit her class instructors (nearly all of them) and people she works with as a Math Tutor for finally being able to do what I couldn't, which is to help her realize how little respect school-teachers get around here. 5. She met with the academic advisors in nearby universities to see what it will take her to get into any Math related (Math/Stat/CS) MS or BS program. We thought that she may have a chance of getting in given her straight A's, extremely strong recommendations and equally strong test scores (e.g. 116 in TOEFL, 1 point shy of an all-time high).
Data point to note: Undergraduate counsellors, themselves not part of the faculty, were either ignoring ("Please fill this form and we will call you back") her, discouraging her ("Why do you want to switch to Math"), or trying to treat her as a money machine ("Well, we know you have an MA in English, but you still have to do these 14 lib arts courses for a BS since we dont transfer those credits"). OTOH, the graduate counsellors (she spoke with 2 of them), themselves part of the faculty, took far more interest into her unusual background and made exceptions happen. 6. One of the local universities have now accepted her into an MS program in Computer Science. She has to do 52 credits instead of the usual 32 credits in order to make up for the lack of her Computer Science background. She has received the acceptance letter in hand to start the course-work from Spring 2013.

The plan going forward:
-----------------------
1. She plans to pursue the MS part time, continuing the Math courses (e.g. the calculus series and some discrete math stuff after that) at the undergraduate level so that she has a more solid math footing for her CS Graduate course-work.
2. After 1 year of doing MS coursework at this school, she may try to transfer some other school with a higher academic ranking. Given her unconventional background for a CS/Math student, she cant realistically get into any top tier school right away. However, another year of CS coursework will hopefully help her get into the door. There is no harm in at least trying.
3. She is not decided if she wants to do teaching/research or work in the industry. Ideally she'd like to do something that is not too intense, leaving her some time to take care of the kids. Any suggestions on how to improve her chances of transferring into some top tier college (the GATech's and UT-A's of the world) a year down the line? I guess it is too early right now, but any suggestions on how to improve her chances of finding good employment (if she decided to join the industry and not go the academic rout) will be apreciated.
Free Kindle Ebook: Stories From A Teacher
Added on : Thursday October 11th 2012 08:00:31 PM
In 2008, Jonathan Flores surprised his students as one of the youngest, most energetic teachers they'd ever seen. After only four years, Mr. Flores turned in his resignation, and his students showed up to find out why. But instead of describing a single moment that made him quit, he told them his stories - each one, an insane memory from his teaching career.While he describes how he fell in love with the job, he also describes the harder realities that followed. As the world demands 'superhero' teachers, Flores shares experiences (from hilarious to heartbreaking) to reveal that teachers aren't invincible. Each memory offers deeper insight into the teaching life, and the obstacles teachers face from day to day.The book is composed of linked short stories will resonate with young teachers, as well as high-school students.This book has reached #44 in the Free eBooks section today, and is free until the 15th. It's a really funny book; you won't regret getting it.link
ESPN 30 for 30: Broke
Added on : Tuesday October 02nd 2012 09:00:49 PM
Just a heads up that there is a new season of ESPN.com 30 for 30 and tonight's episode deals with athletes who were bankrupt after their playing careers. It's estimated that 78% of NFL players are broke or bankrupt within 2 years after their playing careers.It will be on replay this week. Be interesting on how athletes like Evander Holyfield can purchase a 100+ bedroom house and lose everything.Be smart with your money FWF!ESPN 30 for 30
Career change - How much time between jobs is too much?
Added on : Wednesday September 26th 2012 06:00:47 PM
Back in Feb of 2011 my former employer went though a reorg, and my job was eliminated. At the same time I had the chance to go back to the local community college and complete a year long cert program in Project Management for free. I had been saving my nickels and dimes so money is not that big of a pressure. I have plenty to go a few years without working if I had to. So all in all I feel it worked out ok. That program finished up this past April, and I got my cert from them.
My former jobs have all been some form of IT support, usually heavy on the hardware side. However all of them in one way or another had some aspect of PM in them. That is why I decided that the cert program would be a good idea.While I have had several PM related interviews since I completed my certs, I have not had an job offers. I have been doing the regular daily job hunting on Monster, Dice, Craigslist, etc...
I could probably return to an IT support role, but I want the moderate career change to something PM related.Now it has been ~6mo since I completed the program. At what point should I be worried about the concept of 'no one else has hired him in x months/years... why should I?' Would I be better served to take any job (within my past experience/salary range) just to have something on my resume saying I was working somewhere, even if it is not related to where I want to go to avoid this concern?
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When to start acquiring rental properties?
Added on : Thursday September 06th 2012 08:00:51 PM
I'm wanting to be retired from my day job when I turn 50. Everyone thinks I'm crazy but I really don't want to work a day job any longer than I have to and I figure setting a crazy but obtainable goal will help me get there. Here's my background:32 years old
Married with 2 children (Al Bundy!)
$75k/year salary. Wife stays home but will return full-time in 3 years when youngest goes to school. Should be at least $120k/year then.
$30k in savings, $60k in 401k (we both started late in life for careers; had too much fun!)
House is worth $150-$160. Owe $115. 15 year at 2.875%, just refinanced. 1500 ft2 ranch in the burbs so you can get an idea of house values.
Only debt is a $17k car loan @ 1.99% with PenFed. 38 months left. About $470/month.
Currently putting away around $1200/month into savings after all bills are paid.

I've read time and time again how great having rentals are and seeing how low interest rates are it seems like now may be the time for me to jump in. I've been looking at local short sales and thought I'd better come here and get some input before I put any more time into this. With that, a few questions:Already having a mortgage, and just having refinanced it, is it going to be difficult to buy a second house? My credit was pulled at 798. I have enough funds to put 20% down and still maintain almost $10k in savings.Are short sales the way to go? I'm thinking of picking up a house relatively close to where I live for ease of maintenance and just general watching over of it. There happens to be a short sale for a 1200 ft2 ranch in what appears to be excellent shape listed for $110k. The auditors site appraises it at $130,000, which I believe to be pretty accurate based on recent sales around our area. What is the best way to approach a short sale? Lowball from the get-go? If I could get it for $100k I'd be ecstatic.I'm an extremely handy person, having recently installed a new roof, water heater and water softener. I also just finished our basement, doing everything, which included moving the laundry upstairs and making a laundry room, and all the electrical and framing. I have no concerns about being able to maintain the residence.What am I missing? Wait until I have more money saved up? Go for it? Put it all on black?
NOT Being a Salaried B*tch? Work-Life Balance for Fun and Profit
Added on : Tuesday September 04th 2012 07:00:44 AM
I've come to the conclusion that salaried positions are pretty much a way for your employer to screw you out of appropriate compensation. This is likely common sense and not big news to anyone.When you work hourly, your employer typically sends you home at the 40 hour mark because they don't want to pay you time-and-a-half overtime. Only if they really need you, do they ask you to stay beyond that 40 hour mark. Both of your incentives are aligned because if you've already done your 40 hours, then the marginal value of your free time is increased because you have less of it. Thus, you do need to accept a higher wage (1.5x) in order to be fairly compensated at the marginal level. Consider the value of your free time if you worked 20 hours a week versus if you work 90 hours a week. At 90 hours a week, that extra hour of work is horrible because it's cutting into your sleep. At 20 hours a week, the 21st hour isn't so bad.The problem is that the job market is bifurcated such that in most industries, for the most part, "good jobs" are all salaried. You can get paid $10/hour working as a secretary or make a fixed salary to be a manager. It's rare to see a $50/hour manager position, rather than a $100k/year salaried manager position even if they might otherwise be equivalent on the compensation basis.This is because your employers want to screw you over and make you into their b*tch. They keep piling work on you if your salaried and if you don't want to do it, because it's an employer-market right now, they will fire you and get someone else to do it.Even if you have a "decent" paying salary job of $60k to $80k a year, if you're working 60 hours a week, then your hourly pay is really small because you have to factor in what your overtime would have been. For example, at $60k/year, working 60 hours a week (for 50 weeks, assuming 2 weeks vacation) that's:2000 hours of regular labor
1000 hours of OT labor (which should be 1.5x regular rateThat's $17/hour. In many parts of the country, when you hear $60k per year, you think "wow, good job" but if you heard $17/hour you'd think "meh." Then add in the once every 2 months that your employer asks you to be "flexible" and pull 80 hour weeks to finish a critical project and you're down to $15/hour.Is there any solution to this? I'm torn betweenA) Becoming a 1099 Contractor and working at an hourly rate
B) Becoming a government worker, salaried, doing my 40 hours and going home
C) Finding the rare organization that values work-life balance and doesn't expect you to work >40 hours on a regular basis (fortunately since I work in healthcare, there's a lot of non-profit hospitals that work this way, however the pay is very low)Before the FWF sharks circle around me, my intention for this is not laziness. I simply want to get paid what I deserve, and I want to have time to pursue entrepreneurial activities. Working 60 hours a week for someone else does not lend itself for doing other things at night and still maintaining a personal life to any degree.I envy public school teachers who "only" make $40k/year but have side businesses that pull in an additional $60k/year because they are home at 3pm everyday and have 10 weeks off in the summer.My 40-hour-per-week job is not something I look at as my "life" or "career" but more of a fallback. If my entrepreneurial activities fail at least I have enough money coming in to pay the rent, food, and have health insurance. Actually, if I could get a decent paying 20-hour per week job (say $20/hour for about $20k/year in low to mid cost of living parts of the country) then I'd jump at that because I'd have plenty of time to grow my side businesses. The problem is figuring out how to get that stable $20/hour, 20-hour-per-week position because if you constantly have to hustle for that "base" work, then it's taking you away from your side businesses. And employers don't want 1/2 FTE employees. They want full FTEs that are salaried that they force to the do the work of 1.5 FTEs.What is FWFs thoughts on this subject?
What is your etiquette when leaving for a new job?
Added on : Friday August 31st 2012 12:00:50 PM
My brother recently put in his 2 weeks for a new job. He's got a great work ethic and has always felt bad if someone were relying on him to come through on something. I've advised him to enjoy this time because, frankly, during a person's entire career these things don't happen all that often for most people. And when I say enjoy his time, I've told him to make sure to take all the leave he's got saved up, and then enjoy a leisurely workday which means maybe leaving early or coming in late. I've done this before myself and I've worked with many others who do the same thing.Apparently his (ex)employer doesn't appreciate this and made a scene about it in some rather unprofessional ways. I don't want to get into the details as that doesn't pertain to my question. My brother is now feeling guilty about the advice I've given him to just enjoy his time and not work as many hours.My question for everyone here is, what has your etiquette been during this transition period in your career? I thought it was pretty much a given that someone who is on their way out for a better job is going to work their own hours. Coming in late, leaving early, taking your leave if you want it, then maybe showing up on your last day for a farewell lunch....this is how I've seen it done many times. I wanted to make sure my advice isn't out of line here because I'm trying to help him to not feel guilty about this.
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Advice needed on job offers and cost of living for graduating student
Added on : Monday August 13th 2012 12:00:49 PM
I have been a member of Fatwallet for 6+ years and am about to graduate college with an undergrad degree in MIS. My university's MIS program is top 5 in the nation. I also have a very solid resume with internship, study abroad experience, and a high GPA.I received a job offer from a major retail company's IT department with a salary of ~$50k to do an 18-month IT rotational program. The company is located in Northwest Arkansas where cost of living is low. I also just completed a summer internship with this company.As for the actual offer, the benefits are pretty low; especially vacation time. I'm allowed 2 weeks for the first 7 years, 3 weeks after 7 years, and then 4 weeks after 15 years.I either want to work as a Project Manager or as a Consultant out of college. This job offer would put me on the PM career path. What are my chances of getting a considerably better offer from a different company? I could probably get much better benefits in consulting but it would also be much more competitive. ~I greatly appreciate any insights the FW community can provide~
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Is It Worth The Effort To Switch Banks?
Added on : Thursday August 09th 2012 04:00:45 PM
I've been with BoA(previously LaSalle, previously Standard Federal) for over 30 years. I also set up Citi checking and savings accounts 4-5 years ago to hold AoR money and squeak out some extra TY points. I've only got around $1000 left in the citi accounts. I had maintained the checking for a backup ATM account since they are local in 7-11s, but rarely use it. I'm thinking it may be time to shift around my accounts. I'm not really unhappy with BoA, but I do find their online banking kinda quirky. Citi's site also seems to be a pain and often down when I need it.Unfortunately unemployment and under-employment since early 2009 have substantially reduced my liquid assets. Career is back on track where it should be with a new job that I just started, so it is time to rebuild an emergency fund and also pay off some debt. What I want/need:
* Checking account for day to day use
* Online bill pay
* Savings account for emergency fund
* Access to no-fee ATMs - metro Detroit (99% of what I purchase is on a credit card, but I do hit the ATM roughly once a week to have a bit of cash on hand)
* A national ATM network would be nice since I travel a bit.
* No need to maintain 10+ debit card transactions, but will have my paycheck direct deposited.
* Ability to write 1-2 checks a year for that odd transaction that can't handle electronic payment.Other info:
* I have/had credit card accounts with just about every bank out there during the AoR days.
* Open cards with Citi, BoA, Chase, Discover, US - still have some 0% money out there.
* IRA fund with VanguardShould I switch to Chase and grab the $150 bonus for a new account? Find a local credit union? Stay where I am?Thanks in advance for opinions on whether or not the grass will be greener on the other side.
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Considering moving to IT career
Added on : Wednesday August 08th 2012 11:00:45 PM
Recently lost my job on relocation to Houston for my wife. I have been in insurance the last 6 years and have grown a bit tired of it and I am thinking about going to the IT field. This was what I originally wanted to do when I graduated in 2002 but with the dotcom crash I landed where I could find a job.My college degree is in marketing but I have a lot of personal history with building my own computers and troubleshooting friends/family. Given that I don't have any formal experience is there any certification that could help me stand out?Thanks.
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29yr old Enlisting in Navy(Intelligence). Want to maximize income.
Added on : Friday August 03rd 2012 06:00:45 PM
This forum has been an amazing resource, thanks for taking your time to look at my situation! Sorry for being so overly detailed, I have organized to make it easy to see/comment on specifics. *****Going into the military*****
As the title indicates, Im a 29yr old male enlisting into the Navy. I am older than most going in, as most ppl in my age range tend to be marrying and popping out kids. I have a serious relationship but no marriage/kids. I am going into the Intelligence/Cryptology field (CTT). I am very excited about the whole upcoming experience and getting into the field. I was originally interested in going nuke, but I am past the cut off age. I will be going in as an E-3(several years of technical college). I am looking to save as much money possible, yet I am curious as to what FW thinks would be the best approach.*****MONEY*****
Going in as an E-3 my gross is looking to be around 1,757$ a month. I feel like a little kid at the adult table compared to many six figure problems posts I have come across! Im looking to spend as little as possible on frivolous expenses. Should I dump as much as possible into a 401k or look into other types of investing? I recently saw a post from an individual who recently left the military with 200/300k saved up. That is amazing but if it is just sitting in a low yield savings account or worse..that almost seems like a waste. Also, my training is in FL. Can I change my Residency to FL and be free of state income tax?*****DEBT*****
I WAS in a bad spot. Thinking with the wrong head, I let my previous gf who lived with me have access to my credit cards and banking account. I was making 80kish in sales at the time and did not pay attention. Simply, when things went south I had nearly 30k in credit card/loans/bills with my name on it, and I lost my job. That was two years ago and I am now debt free aside from 1,800 in student loans. This experience has left me absolutely terrified of ever getting into debt again. Even future student loans, mortgages and car notes have me terrified. Going in to service, what would be some best practices to keep from slipping into that again?
****Current Finances****
I left my most recent employer Aug 1st, I was making 45k(I left early to spend time with family before I leave, several family members are dying). I feel like I focused too much on paying off debt and did not really save as much as I wanted. I have around 1,000$ in my checking account. I am staying with family until I ship (sept) so my expenses are less than 200$ a month. I have around 3,000$ in a 401k that I intend to roll over from my previous employer. I have a 2008 Ninja zx10 sport bike and a 1999 Hyundai Elantra that are both paid for. Sadly, this is the extent to what I have. I have sold off most material possessions/vehicles to clear debt and prepare for service. Should I sell the sport bike?(dangerous but reliable) I feel like at my age I should have a MUCH more in-depth financial portfolio. ****Credit Cards / Credit****
Capital One MasterCard 2k limit/0 used Chase Visa 3k limit/ 0 used Target Visa 500 limit/0 used Discover More 3,250 limit/ 100~ used, paid off monthly Lowes Card 2,300 limit / 800 used, minimum paid monthly(my father uses this)
Experian: 710(Discover Card) Trans Union 720(Credit Karma) About 1500$ of paid off CCs hasnt showed up yetAfter I got my Discover card, Im looking to convert all my cards into Cash Back cards...eventually. I really want the US Bank Cash + Visa Signature and the PenFed for gas but I dont think my current credit profile is strong enough. Looking to add the Chase Freedom, AMEX Blue Cash Everyday(maybe the Preferred later on) and possibly the BOA Cash Back card. I have received mailers for both AMEX and BOA. Should I continue to add new reward cards and haggle with current card lenders to increase my limits? Possible to convert existing CCs to CB CCs? Is this a waste of time? Should I do an app o rama and try for them all before I ship?

****FutureCareer and Financially****
Im going into this with the attitude that Im going to be a lifer, even if Im not. I have read that having a TS clearance can be a big plus especially with contractors. I want to take advantage of the education benefits and at least get a bachelors if I dont make it a career. If I am able to pursue higher education, would it be beneficial to look into becoming an officer or should I look towards the private sector? While I"m in should I be more focused on investing or saving? Or other?
tl;dr 29yr old going into naval intelligence, looking to maximize finances and make the most of my resources.
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Added on : Thursday August 02nd 2012 05:00:02 PM
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Get an MBA or a waste of money?
Added on : Wednesday August 01st 2012 12:00:47 AM
I graduated from a state university and was lucky enough to break into the finance field (trading/S&T). I am interested in staying in finance where I have relevant experience so I am not interested in switching career paths like traditional MBA applicants even though the industry is in shambles. Most of my old colleagues from work and friends are heading to top MBA programs this fall so it has me wondering. I'm also envious that they will be on a 2 year vacation having the time of their lives and building a strong network. I think I have a good shot getting into one as well if I put the effort in. I worked very hard to pull myself out of all debt and it feels great to be able to save everything and be closer to financial freedom. I'm uneasy about taking on 150K of student loan debt to get a brand name on my resume. My career path is more risk prone and I'm wondering if getting an MBA degree can add value to my career. I feel that I can be creative and strategic enough that I can find my way into jobs that I want without the MBA but having one might make it a little easier. So is 150K debt worth it? I'm also considering a part time or a 1 year MBA option.
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Along the way, life gets in the way of our passions. We often give up on our passions in pursuit of a safe, comfortable life. The inherent problem with that direction is we have become extremely bored with life. We have reduced our working life to clocking in and clocking out. We are robots with a beating heart. You were born for something greater. It begins by looking deep inside to discover your God-given passions.Inside this book, you will discover:How to develop a Work Life Purpose Statement
The job satisfaction survey
How to uncover your natural strengths
How to discover your ideal work environment
4 ways life reveals our passions to us
How to choose the right career for you
Whether you are in college or currently considering a mid-career change, the exercises and strategies in this book will give you the confidence to really know yourself.Show More
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Free Kindle Book (Print List $19.99) Face to Face Interview
Added on : Monday July 30th 2012 01:00:29 PM
TextA successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position.
If a prospective employer invite you to attend face to face interview today, how would you rate your confidence level for success?Face to face interview is one of the most common forms of interviewing process. Interviews are a very important event that one must properly prepare for if they wish to do their best and of course, get the job. There are many factors that surround an interview and therefore it becomes imperative to know how to go about taking part in one, the right way. One of the best things about face to face interview is the direct interaction with the employers where you get a chance to make your lasting first impression. Basically you will need to explain to the interviewer why you are the best candidate for the job and this book will prepare you to face your job interview confidently.How can you stand out amongst the many other candidates? By knowing what to do during a face to face interview, you will come prepared and handle the interview with confidence. In this book I have discussed topics such as: Different types of face to face interview
Top 10 interview questions
Basic etiquette such as dressing for your interview
Discussing your qualifications and achievements
Body language and buzz words
Make your lasting first impression
Ways to get rid of interview jitters
List of things that you need to carry while attending interview
Answering salary related questions
Post interview follow-upThis book will also show you how you can improve your story telling skill, avoid common job interview mistakes, answer salary related questions and to close the interview properly.
Free Kindle Book (Print List $19.99) Face to Face Interview
Added on : Monday July 30th 2012 10:00:04 AM
TextA successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position.
If a prospective employer invite you to attend face to face interview today, how would you rate your confidence level for success?Face to face interview is one of the most common forms of interviewing process. Interviews are a very important event that one must properly prepare for if they wish to do their best and of course, get the job. There are many factors that surround an interview and therefore it becomes imperative to know how to go about taking part in one, the right way. One of the best things about face to face interview is the direct interaction with the employers where you get a chance to make your lasting first impression. Basically you will need to explain to the interviewer why you are the best candidate for the job and this book will prepare you to face your job interview confidently.How can you stand out amongst the many other candidates? By knowing what to do during a face to face interview, you will come prepared and handle the interview with confidence. In this book I have discussed topics such as: Different types of face to face interview
Top 10 interview questions
Basic etiquette such as dressing for your interview
Discussing your qualifications and achievements
Body language and buzz words
Make your lasting first impression
Ways to get rid of interview jitters
List of things that you need to carry while attending interview
Answering salary related questions
Post interview follow-upThis book will also show you how you can improve your story telling skill, avoid common job interview mistakes, answer salary related questions and to close the interview properly.
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Text
Once, there was a remarkable person who led with love. Her company succeeded where its competitors struggled. Its customers were loyal, its employees loved to work there, and it was profitable year after year, for decades. This loving leader began her career as an executive secretary, yet the company's founder chose her to succeed him as president. When asked why, he said, "Because she knows how to love people to success." She is Colleen Barrett, President Emeritus of Southwest Airlines. Lead with LUV is an extraordinary, wide-ranging conversation between Barrett and the legendary Ken Blanchard, author of The One Minute Manager. Drawing on personal experience, Barrett and Blanchard reveal why leading with love is the most powerful way to lead and how it can help you achieve truly amazing levels of performance. Discover:What "love" really means in the organizational context.
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Why "servant leadership" is love in action, and how to make it work
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From Publishers Weekly
Sportswriter, screenwriter and author Deford (Alex: The Life of a Child; Everybody's All-American) scores another hit with this novel of athletes behaving badly. After a career spent knocking around in the minor leagues as a player and manager, Howie Traveler has finally made it to the majors as manager of the Cleveland Indians. The team, however, is struggling, and Howie's job is in jeopardy when the team's star player, Jay Alcazar, is accused of rape. Though Howie's playing career stalled out in Triple A, his big league management career depends on how well he can handle Alcazar, heralded as "the best player in the game." Alcazar insists he's innocentperhaps even believes itbut Howie suspects otherwise, having witnessed a troubling scene involving accused and accuser the night of the alleged rape. Now, Howie has to choose between his conscience and his dream job. The resolution won't please everyone, but Deford tackles timely and provocative issues without flinching. (May)
Copyright Reed Business Information, a division of Reed Elsevier Inc. All rights reserved.
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http://www.amazon.com/gp/goldboxToday only, The Mel Brooks Collection on Blu-ray, a nine-film retrospective of some of Brooks' career. The Mel Brooks Collection includes such classics as Blazing Saddles, Spaceballs, Young Frankenstein, High Anxiety, History Of The World Part 1, Robin Hood: Men In Tights, Silent Movie, To Be Or Not To Be, and The Twelve Chairs.
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Mel Brooks Collection [Blu-ray] $29 Shipped @ Amazon Gold Box
Added on : Monday July 23rd 2012 02:00:02 AM
http://www.amazon.com/gp/goldboxToday only, The Mel Brooks Collection on Blu-ray, a nine-film retrospective of some of Brooks' career. The Mel Brooks Collection includes such classics as Blazing Saddles, Spaceballs, Young Frankenstein, High Anxiety, History Of The World Part 1, Robin Hood: Men In Tights, Silent Movie, To Be Or Not To Be, and The Twelve Chairs.
Forza Horizon - Xbox 360 Game - Pre-Order - $44.99 Shipped @ Newegg
Added on : Saturday July 21st 2012 07:00:06 AM
Save $15 on this pre-order for XBOX 360 after promo code. Ships free. Releases 10/23/12. Link
Promo Code: EMCYTZT1935 (expires end of day 7/22)Forza Horizon on Xbox 360 delivers action racing with the freedom of the open road. Combining the legendary Forza authenticity with a festival atmosphere, Forza Horizon is where you can show off your stylish driving to become the star of the worlds most unique motorsport party.EXPANSIVE OPEN ROAD
Take your dream car off the track to race and explore the epic driving landscape of Colorado. Experience a 24-hour dynamic lighting cycle that includes night racing. And by using voice activated GPS, you never leave the open road environment.MIXED SURFACE
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Team up or compete with friends and rivals in a variety of online race types, as well as playground modes. However you drive, you'll find an entirely new level of challenge.COMPETITION MEETS CULTURE
Soak up the cars, music and parties of the massive Horizon Festival - your hub for the game's career and online events. Forza Horizon offers unrivaled diversity that Forza Motorsport fans have come to expect with a lineup of cars and manufacturers, as well as best-in-class graphics, handling and physics simulation.UNMATCHED SOUNDTRACK
The Forza Horizon soundtrack features three in-game radio stations spotlighting today's hottest music artists curated by Rob da Bank, renowned BBC Radio DJ, Bestival founder and Forza Horizon music supervisor.
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engineering to finance
Added on : Friday July 20th 2012 03:00:45 PM
Dear All,
I hold a BSc degree in communication engineering and spent 14 months as a project manager at one of the mobile operators in my country.
Frankly, I disliked the job and the project management part and I was not good at it. I prefer a more technical role.
So I decided to quit my job and follow another direction by signing as a web development engineer in a non-profit banking organization (19 months to-date).
With no background or experience in the field, I personally rely on the self-learn basis and the assistance of a friend in the field.
My problem is that I am not interested in the field (although the feedback is extremely positive on my performance), the salary is a joke, and I do not have the complete qualities to qualify for a job as a web developer outside this organization (at least not yet).
Due to the lack of job availability and the ongoing economic recessions I decided to switch from engineering as I feel my patience is wearing thin.
I consulted a professional (in the banking business) and he advised me with the CFA program.
After a little bit of research about the program, I started studying for the CFA program.
Unfortunately due to my engineering background, I found life difficult as I am not familiar with most of the financial terminologies even though I regularly used search engines to be more accustomed to those terminologies.
To pursue a career in finance, my other options are either to apply for a diploma in finance or apply for a MBA program.My questions are:
1) How do I decide whether moving into finance is the right move for me or not?
I love mathematics. I love working things out with my hands over a managing role. I love to analyze and search for different options to solve a problem (due to the nature of programming for web development).
2) How would employers look at me as a candidate who has already changed his major once?
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Grand Slam Tennis 2 - XBOX 360 - $9.99 Shipped @ Microsoft Store
Added on : Monday July 16th 2012 08:00:06 AM
$40 off! Ships free. 71/100 MetascoreLINKFeel the true excitement and emotion of championship tennis with Grand Slam Tennis 2. For the first time in HD and on the next-generation platforms, experience the thrill of winning at Wimbledon and capturing all four Grand Slam tournaments. Rise to stardom with revolutionary Total Racquet Control as you challenge a deep roster of elite players, including Djokovic, Federer, Nadal, Sharapova, Borg, and McEnroe. With authentic gameplay, ESPN.com broadcast integration, a deep 10-year career mode and so much more, get ready to swing the racquet like a Grand Slam champion.* Control every shot with the right analog stick, smashing forehands, backhands, overheads, and volleys with precision, accuracy, and power
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All Financial Sector positions
Added on : Thursday July 12th 2012 01:01:26 PM
Hello I am a economics major and want to ask the users of this forum who hold positions in finance a few questions about their career. Please just state your position and answer the following questions. Thank you for doing this as this may help me gain a certain understanding of what options I hold in my future.What kinds of tasks do you do on a typical day or in a typical week?
What types of tasks do you spend most of your time doing?

What do you like best about this job? What excites you most about this job?What are some of the more difficult or frustrating parts of this career?What kind of hours do you work? Is your schedule flexible or set?How did you prepare for this career? How did you find this job?Do you have any advice on how people interested in this career should prepare? What type of entry‐level job offers the most learning opportunities?
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on job travel and personal finance
Added on : Wednesday June 27th 2012 11:00:51 AM
This is the second topic using this alt id (Man - I'm getting too lazy. I should've opened a new one). I'm a code monkey who sometimes also moonlights as a Business Analyst. I'm in a desk job and currently considering a job change. I have a tentative offer as an experienced hire from one of the big 4 (I have not yet accepted it). This new job will require almost 80% travel (fly out on monday and fly back on thursday).Purely from a personal finance perspective - how can I maximize the job travel (if I accept it)? My current research so far has turned up the following information:
1. Airline miles
At this point of time, I don't care much for travelling in first class and all that. I do some international travel every year or every other year. Given this, I think I'd prefer to stick with Southwest if possible. Their point redemptions are straightforward and very flexible. It's almost like cash in your account that you can spend on anything.
Any comments or ideas on this? 2. Hotel rewards and points
Try to use at least two hotel chains during each trip to reach elite status quicker. I think I will prefer the Starwood hotels when I have an option, since their points seem to be valued the most by the flyertalk folks.

3. Eating out
Try to eat out at the rewards network (idine.com) restaurants for airline miles. Try to pocket as much of the per diem as possible. 4. Attire
Since this new job will require some selling (I'm not in sales, but apparently my performance will be judged by how much new business I can bring in) - I will need to spend some big bucks on formal attire. I've been quite frugal on this so far in my career.
I have not yet found any good place to get quality formal-wear and still save money. Last time I got a set - I almost spent $500 for a complete set (including overcoat) at Macy's.
Is there any other "value" alternative for this?Any other comments or Suggestions on how I can either maximize the earning potential (per diems, miles, points) or other personal finance ideas?
Career in Accounting vs. Banking
Added on : Sunday June 24th 2012 10:00:44 PM
Hello, not sure where else to put this but would appreciate the advice of your other FW'ers out there on the topic of a career in accounting versus banking. After working as a mortgage processor for the past three years, an opportunity has come up where I may be able to make the switch to an entry level accounting position. Of course, it would come with a very significant pay cut, but I figure for someone like me in my mid-twenties, single, can still pay my expenses on the lower salary etc. that maybe it might be worth it for me to at least explore the field and see if I like it? Part of me does not want to make the switch, of course, since it's natural to keep doing what one is comfortable and proficient at doing. On the other hand, given my circumstances, age, budget/expenses etc. another part of me is saying I can afford to take the risk and that logically it makes sense to take the risk, and that I should at least try it to see if I like it. If I don't like it, I can always go back to the Banking career path?I have a BA in Economics, and had actually tried for an accounting position after I graduated, but had no luck in doing so. I stumbled into a mortgage processor position and have been doing it ever since. As another note, I did originally have ambitions for going for the CPA and have (for the most part) satisfied all of the requirements to sit for the CPA exam, so I would just need to purchase some study materials from Yaeger to prep. What do you think about making a career in Accounting vs. Banking? I do very much enjoy what I currently do in Banking, but the idea of Accounting also intrigues me. I am concerned about the long-term opportunities in each respective field and which one might be better. It seems logic dictates I should take the opportunity, but I'd like to get other's input on this as well, thanks.
New strategy to pay for college: move to Florida, be homeless
Added on : Monday June 18th 2012 02:00:46 PM
So how will FWFers (or their children) take advantage of this? IANAL, but this law seems to be so broadly worded that it could almost apply to any slacker who just bounces from friend's place to friend's place.Orlando Sentinel
From the relevant law (http://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_S...(1) The following students are exempt from the payment of tuition and fees, including lab fees, at a school district that provides postsecondary career programs, Florida College System institution, or state university:
...
(f) A student who lacks a fixed, regular, and adequate nighttime residence or whose primary nighttime residence is a public or private shelter designed to provide temporary residence for individuals intended to be institutionalized, or a public or private place not designed for, or ordinarily used as, a regular sleeping accommodation for human beings.
Free Kindle Download Dead Reckoning List $13.99 4 Stars 76 Reviews
Added on : Monday June 18th 2012 06:00:06 AM
TextDead Reckoning is the story of a young woman anxious to abandon the crushing effects of her fathers espionage career only to find herself tangled in the very web of mystery and intrigue that consumed his life. Underwater archeologist Shiloh Blake is consumed with passion for the water and inflamed at the injustices of life, blaming her secret agent father for her mother's death. When her first large-scale dig traps her in the middle of an international nuclear arms clash, she flees for her life and is followed by an unknown man. Who is he? How is he always one step ahead? Reece Jaxon is a former Navy SEAL, who now serves his country as a spy. His mission is threatened by the beguiling Shiloh Blake as he hunts down the sources to a nuclear dead drop in the Arabian Sea. The only way to end this nightmare and prevent a nuclear meltdown is for Shiloh to join forces with Reece. Will Shiloh violate her vow to never become a spy like her father? Will she reconcile with her father? Will her trust issues destroy her chance for love? And will she allow God to help her through this ordeal
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Songtrix Silver 3.0, Free Download Today Only @ giveawayoftheday
Added on : Monday June 18th 2012 03:00:08 AM
http://www.giveawayoftheday.com/The program is available for $59.35, but it will be free for our visitors as a time-limited offer.June 18, 2012Songtrix Silver 3.0 is a complete music education and creative package with everything you need to kickstart your musical career. Explore and master the world of music as it has never been presented before, and learn rapidly as you create real musical works.

See and hear music theory in action as you experiment with musical examples and build songs with styles, chords and other musical events. Meet and interact with other musicians on the ChordWizard Network, where you can download their songs, or publish the songs that you have created yourself.
Dr. Kevin Leman has seen scores of women who are overcome by stress. With humor, insight, and practical solutions, this bestselling author helps women manage the stress points in their lives: kids, career, husband, housework, money, and crammed schedules. Women will find out how to begin enjoying a more serene lifestyle by making stress work for themText
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TextA reference book for anyone in the field or wanting to get into the field
Not technical but more of a career guideInformation Technology Jobs (2012) shows where the jobs are in the U.S. IT Services Sector and in U.S. Federal and State and Municipal government agencies and departments. The book covers new territory not a technical guide this career guide goes beyond, to show Americans the largest source of jobs in the U.S. in this growing industry. Section I Good News Companies Keep Hiring as Demand Grows. Why Outsourcing May Lose Its Power as a Scare Word. Shifting Occupations in the Industry. More Managing - Less Programming. Tech Jobs with Government Are Lively Stable, Secure, and Well-Paid. Salaries show a Higher Paid Class of Employees. Experience Is an Acceptable Substitute for Education. Core Skills Include Business-Process Understanding.Section II Explains how to make contact with this special sector for IT jobs, IT service providers, and how to build a career in the IT services sector.Section III Explains Technology in Government, public unionism for emerging technology jobs and the desirable salaries of these emerging technology titles. The authors describe the technological developments that make technology in government possible. They define the modified processes that now call for staff in Relational Databases, Web Portal Development, Infrastructure Development and Maintenance, Network Computing, Data Security, e-Government, and e-Commerce
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TextA reference book for anyone in the field or wanting to get into the field
Not technical but more of a career guideInformation Technology Jobs (2012) shows where the jobs are in the U.S. IT Services Sector and in U.S. Federal and State and Municipal government agencies and departments. The book covers new territory not a technical guide this career guide goes beyond, to show Americans the largest source of jobs in the U.S. in this growing industry. Section I Good News Companies Keep Hiring as Demand Grows. Why Outsourcing May Lose Its Power as a Scare Word. Shifting Occupations in the Industry. More Managing - Less Programming. Tech Jobs with Government Are Lively Stable, Secure, and Well-Paid. Salaries show a Higher Paid Class of Employees. Experience Is an Acceptable Substitute for Education. Core Skills Include Business-Process Understanding.Section II Explains how to make contact with this special sector for IT jobs, IT service providers, and how to build a career in the IT services sector.Section III Explains Technology in Government, public unionism for emerging technology jobs and the desirable salaries of these emerging technology titles. The authors describe the technological developments that make technology in government possible. They define the modified processes that now call for staff in Relational Databases, Web Portal Development, Infrastructure Development and Maintenance, Network Computing, Data Security, e-Government, and e-Commerce
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Free Windows Server 2008 Command Reference Guide
Added on : Tuesday June 05th 2012 11:00:35 AM
LearnSmart is giving you a special Windows Server 2008 gift. The Windows Server 2008 Quick Reference Guide gets you up to speed on Server 2008's features and gives you a valuable reference you'll use over and over in your career as a Microsoft Network admin. Your Windows Server 2008 Quick Reference Guide helps you pinpoint and master the new and expanded capabilities of the 2008 edition. It's an excellent way to bring fresh, new Server 2008 expertise to the table and get ahead of the curve at your company.
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Starting a new career, too late, too risky?
Added on : Friday June 01st 2012 02:00:45 PM
I've been an electrical engineering technician working with particle accelerators for about 7 years. I'm very good with electronics and have moved from a technician role to an engineer role (without the title). For having a 2 year degree, my pay is quite good - around 78K including 5K overtime. There is not much room for me to improve that number without significant overtime. Overtime is available, and I could earn as much as my willingness to work overtime allows. I've also been moonlighting in physics classes, and will receive my BS in physics soon. I enjoy school and would like to get a master's degree. I was considering accelerator physics, but the job prospects are very narrow for that field. That's why I'm considering theraputic medical physics (think a radiation pharmacist for cancer patients). Nearly every clinic and mid sized hospital has one, large hospitals have a team. A board certified physicist earns about 120K-150K to start, with income potential of 200K+. It will take me 4 years to finish the program while working full time, plus 2 years of residency with annual salary of ~50K during the residency. Right now, there is a bottleneck in residency slots with too many applicants, many who are armed with a PhD. If I don't get into a residency after spending 4 years to get the masters degree, I may never be board certified, limiting my earning to the low 100K range. By the time I might finish a residency, I will be 35. That still gives me 30 years in the field. I know many doctors start their career that late in life, but their earning potential may be significantly higher. My employer pays for all tuition and books so far, and will pay for my master's degree. I have a 5K in student loans in deferrment left over from my technical school. The master's program will essentially be free, only costing me my free time, after which I will take a 30K a year pay cut for 2 years. DW can likely fill that gap as she is a school teacher, but that may be difficult with one or more small children. I will either have to rent out or short sell my house because I'm 30K underwater and there is not a residency program near me (Las Vegas). PITI is $1600, rental income would be about $1400 minus management fee.I've looked through physics forums for this type of question and primarily find the thread turns into an academic pissing contest. I'm not writing this post to get affirmation for a decision I've already made, but rather input as to whether it is worth it to pursue this course, whether the risks are too great, and if I'm starting in a new field too late in life. Cliff notes for those TLDR folks:
I want to start a new career that requires a master's degree and may more than double my salary. I will be 35 by the time I finish. The field requires board certification, which I may never get. In that case, that limits me to perhaps only a 50% increase in salary. I'm not paying for the education. Is it worth it in terms of investment of my time, and perhaps having to short sell my house?
Career Change from Engineering to Finance
Added on : Tuesday May 29th 2012 07:00:47 PM
I graduated in 2008 with a bachelor of science in comp. engineering and a minor in electrical engineering. I currently work as a consultant in DC working with the DOE for energy efficiency, not too hands-on engineering type stuff. Our company has a large financial sector, but since we're a consulting firm they don't seem to be too interested in employee-development (my view is that they want to maximize the bill-hours of the employees, not train them and improve their skills).I have come to realize I really like finance, and finance-related things. I would like to change careers to something finance related, but I don't want to do something like sell stocks or handle investment accounts.Through the limited exposure I've had to finance related stuff, I enjoy looking over financial spreadsheets and the like. For example, I made a real-estate related spreadsheet that looks at rental account investments and heir 50-year return taking into account mortgage, property value increases, repairs, etc.I have two questions:The first is, what is a good way to try and figure out what area of finance or economics interests me the most?
The second is, what chance do I have as an engineer to get into these fields? I know the brokerage or investment bank firms like engineers, but I don't think that's the direction I want to go. Any advice would be much appreciated!
Negotiating higher salary (job offer / counter offer)
Added on : Thursday May 17th 2012 09:15:15 PM
Hi all,A little background. I've been a Co-op (basically an intern) at an software engineering company while in University for the past 2 years. My total amount of time worked there is a year plus 3 months of full-time interning. I've been on the same team every time I came back for co-op. The company wanted to ensure that I would stick around, so they created a full-time entry level position for me. I just finished the interview for that, which was more of a technicality than anything. The HR person I had talked to asked me what I had thought about compensation, if I had any general numbers. I expect competitive salary, and I know that the company does give competitive salary and benefits. The median salary for the job (via salary.com) in my part of the country is $56,588. I wasn't even expecting to have any salary talk since this was the first round of interviews. But I gave my cards up early and when asked, I gave an intentionally high number of about 10k more than the median salary. She responded by saying that's high and I should expect "60-ish" (her words). I'm confident that my non-verbal cues gave off that I wasn't particularly impressed with this number.I will be receiving an offer letter some time next week. I'm preparing for having 60k on the offer letter. What I was expecting was more around 64 or 65k (which is why I threw out a high number to begin with). Assuming the offer is lower than what I desire, how do I go about negotiating a counter offer from here? This is my first major job in my career, and I don't want to be like a typical entry level candidate and accept whatever first offer I receive.Some of the pluses here, as far as my negotiation goes:
- 75th percentile salary is $63,416, so I would expect at least 62 to be competitive (am I wrong for expecting this?).
- I've been working for this team for 1 year and 3 months already. They know I fit well with the team and they know I have the skills needed. On this note, I know a lot about the specifics of the job already as I've been with the company. I would expect my experience with the company and the benefit this gives the team to be reflected in the number (Competitive + X, X being that extra I'm worth since they know I fit well and work hard).
- This position was created for me. No other candidates have been interviewed, and I doubt that they'd really want to go looking for another candidate. Some of the negatives:
- I don't finish my degree until December. I will be starting for them full-time in the near future assuming I accept an offer. I'm also finishing school full-time while working for them full-time. They know I don't graduate until December, so they would likely also know that it's very doubtful that I'm receiving tons of offers at the moment.While I realize I don't have a lot of wiggle room since I haven't graduated yet, as a true FW'er I want to be sure to get the best base salary entering my career as I can. Bonuses, raises, and various other compensation are all percentages of base salary. So If I negotiate this base salary higher, it will reflect in a lot of different ways. That being said, they can easily go hire a graduate with a BS to fill the position. He wouldn't have the experience working with the team in particular that I have, but he would have a degree (and potential other experience).This is all preventative thinking, especially considering I haven't seen the actual offer letter. I can let you guys know the specifics of how generous other parts of the compensation plan look when I receive the offer. Any and all tips are appreciated, thanks! P.S.: I've considered asking for a crown vic as part of the compensation package (company car ), even though I already have a perfectly fine 04 Civic.
Wow, newly-minted MDs and new spending!
Added on : Monday May 14th 2012 09:15:18 PM
I was at a coffee shop this afternoon, and a home builder was meeting with a young doctor (wearing scrubs from a local hospital) and his wife. They seemed to be recently married, and both looked pretty young as a whole. I gathered that the doctor had just recently started his career.The home builder was discussing the proposed home features and running over all of the costs. Some of the costs sounded a bit high to me (my dad was a homebuilder), but whatever. The most interesting thing was this: The doctor was agreeing to everything without flinching. The homebuilder proposed a wine cellar at one point, and the doctor instantly agreed. His wife seemed to be driving some of this, but the man was going along without question. It became clear that virtually the whole thing would be financed.In that kind of apparently high income situation, perhaps I would do the same. I would like to think that I would not, however!Anyway, I just thought I would post this, as I found it interesting. It reminded me of how quick lifestyle inflation can be, irrespective of income.-mike
Young Financial Analyst seeking career assistance
Added on : Monday May 14th 2012 03:05:47 AM
Gender: MaleAge: 25Location: Silicon Valley, CAOccupation: currently a Financial Analyst under the CFO/COO of a medium sized telecommunications company. Recently promoted to Senior Financial analyst however my responsibilities are not that of a true SFA and im not working with a standard ERP system like Hyperion/Oracle or SAPEducation: Business Finance with a minor in Economics from a public university
2011 Compensation: Annually 58K, no bonus and the stock options are worthless as we trade on pink sheets with little volume.Future Salary Projection: No increases in the near future unless I switch to a new companyBenefits: Typical health + dental but lack 401K matching or profit sharing 10 Days of PTO a year.
What's the job like?
Participate in projects related to financial systems and business processes for numerous stakeholders
Prepare daily/weekly/monthly/quarterly reports for Executive Team and Board Presentations for CFO/COO
Perform ad hoc analyses and reporting for executive management decision making
Modify and maintain Excel Dashboard which tracks Key Performance Indicators
Work cross functionally serving as a project manager at times to aggregate data from various sources
Constructed a complex budget forecast model linked to month-end financial statements
Develop and/or maintain various analytical models to measure business and financial analytics
Helped assistant controller revise corporate narratives to maintain SOX compliance.
Work with Regional Sales Managers by aggregating sales funnel and performing analysis
Created a Sales Funnel Dashboard to provide greater visibility of potential deals in the pipeline
Facilitate operational cost reductions in products by creating cost indented bill of materials Need adviceI have been working with my company for almost 2 years now and the company has undergone significant reductions in headcount. This was my first real job out of college and since I lacked the experience to land a FA position with the larger firms in the Silicon Valley I figured it would be best to work for a smaller firm. Problem, I have developed a close bond with my boss the CFO/COO hes almost like a father but its difficult to remain as lacks growth opportunities and is a sinking ship. I need some help and guidance as to what are the best/smartest possibilities for my career. Should I go back and get my MBA?
Should I pursue a CFA credential?
Should I try to switch into I-banking?
If I get a role with a larger company as an FA will I be pigeon holed into a small role will limited upward mobility and visibility?
If these were your circumstances what would you do?
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Added on : Friday May 11th 2012 12:06:33 AM
A successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position.If a prospective employer invite you to attend face to face interview today, how would you rate your confidence level for success?http://www.amazon.com/dp/B0081R40M8*updated as it's free for all
Kindle book free for Prime - Face to Face Interview
Added on : Thursday May 10th 2012 03:07:33 AM
A successful face to face interview will help you build your dream career - Job seekers have more competition in todays job market than ever before. Learning to succeed in the different areas of job searching, right from resume preparation to attending interview can make all the difference. Discover how to handle face to face interview and also learn how to properly follow-up after an interview to increase your chances of being offered the open position.
If a prospective employer invite you to attend face to face interview today, how would you rate your confidence level for success?http://www.amazon.com/dp/B0081R40M8
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How to tell your employer/boss that you're job hunting?
Added on : Tuesday May 01st 2012 12:03:21 AM
I have a good relationship with my immediate supervisor and can trust him that he'll be supportive of any decision that I'm reviewing. Currently, I've been in my position for five years and don't see any opportunity to promote. I enjoy my job and co-workers, but I see little growth in career advancement. I've started the job-hunting process and only received low-ball offers from other corporations. My benefits, vacation time and flexible schedule is worth more to me than a 10% pay increase (a little over 5k). I don't have to worry about any retaliation of seeking other employment. Here are my concerns.1. I want to stay where I'm at, but financial and career advancement is slim to nil. But I do have job security.
2. If I lose my boss, I'll be more willing to accept the low-ball offer because of the people and relationships I've had and worked with, even if it means 10 more hours.
3. How do I tell my employer that I'm job hunting, but want more opportunities to become a better candidate for when the opportunities come forward?
4. What's the best kind of scotch for long days like today? Buchanan's?Thanks
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Free Kindle Book - Resumes Are Dead and What to Do About It
Added on : Sunday April 29th 2012 09:05:52 PM
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Dubbed "sheer genius" by New York Times bestselling author, Stephen M.R. Covey, RESUMES ARE DEAD is not for the faint of heart. This ebook tackles one of life's most compelling choices: money or meaning? The audio is relevant, timely and career-critical. Learn how to design a career that supports your quest for both money and meaningproviding you the freedom to pursue your dreams and live your ideal lifestyle.
This is career development reworked, unconventional and results-driven. Whether you're retired, in the middle of your career, fresh out of college, or have been hit hard by economic crisis, RESUMES ARE DEAD is chock-full of powerful, raw principles that will help you find your footing, contribute to the world in meaningful ways, and simultaneously create your ideal lifestyle.
Free Kindle Book - Resumes Are Dead and What to Do About It
Added on : Sunday April 29th 2012 06:11:11 PM
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Dubbed "sheer genius" by New York Times bestselling author, Stephen M.R. Covey, RESUMES ARE DEAD is not for the faint of heart. This ebook tackles one of life's most compelling choices: money or meaning? The audio is relevant, timely and career-critical. Learn how to design a career that supports your quest for both money and meaningproviding you the freedom to pursue your dreams and live your ideal lifestyle.
This is career development reworked, unconventional and results-driven. Whether you're retired, in the middle of your career, fresh out of college, or have been hit hard by economic crisis, RESUMES ARE DEAD is chock-full of powerful, raw principles that will help you find your footing, contribute to the world in meaningful ways, and simultaneously create your ideal lifestyle.Amazon Coupons
Car Question
Added on : Saturday April 28th 2012 03:02:17 AM
This may opposite from the usual "should I lease/buy a new car now because I don't trust my old car anymore..." thread...My wife and I do well career wise (net income currently at $167,500), although we do still have a significant debt level (all in, without mortgages, about $67,000) at the age of 40. Just a little preface, I love working on cars, and have worked on them since I was 9 years old, although I don't do it for a living. I owned a shop for a few years in the 90's, but gave it up once we became homeowners.I bought a car last year (out of boredom) that needed an engine for $750, a 2000 Pontiac Bonneville SSEi, with 140,000 miles. It had its transmission rebuilt at 131,000 miles. After much work, the car is running great, with my total investment currently at $2,000. It may take another $1000 to address issues such as Air Conditioning and rust on an area in the rear of the car. I've been driving it back and forth to work, a 50 mile round trip, without issue for the past two weeks.My other daily driver is a 2004 Toyota Camry with 49,000 miles. I got this car from Florida while on vacation last year, for an incredible price of $6900, back when it had 40,000 miles on it. Incredible ownership history, it was purchased by an old couple from Canada as a condo car that they used during their winters. They took great care of it.I could get around $9,000 out of the Camry, and $3,400 or so out of the Bonneville. My gut feeling is to go for the higher dollar amount, but everybody else thinks I should keep the "reliable" Toyota.Worst case, if I need a car temporarily, my parents have a spare in their garage that I could use.My wife has a 2010 Town & Country with 16,000 miles, so we do have a reliable family vehicle under warranty.Thoughts?
Free 1-year digital subscription to Working Mother @Mercury
Added on : Wednesday April 25th 2012 09:33:10 PM
Get your complimentary 1-year digital subscription to Working Mother
If Working Mother magazine is not what you were looking for, click here and see what other FREE business magazines and whitepapers you can select.Working Mother is the only magazine for mothers who have made the decision to raise a family while also managing a successful career. Every issue of Working Mother has three sections you, work and family that address the three touch-points of a working mom's life. Working Mother is full of ideas, inspiration and advice to balance your career, your family and yourself!
Green Day Rock Band (PS3) Sony Playstation 3 Video Game $5 shipped
Added on : Monday April 23rd 2012 03:24:38 AM
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http://www.amazon.com/Presentations-Skills-That-Collection-ebook...This is the eBook version of the printed book.A brand new collection of state-of-the-art insights on making winning presentations, from the fields #1 consultant, Jerry Weissman now in a convenient e-format, at a great price!

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More student loans?
Added on : Monday April 23rd 2012 03:09:03 AM
I finished up grad school 2 years ago, totaling my student loan debt to $40,867.86 (18,205.79 - Direct Loans, 22,662.14 - Sallie Mae). Direct Loans is in forbearance until February of 2013. I am currently paying about $250/mo for Sallie Mae. My current salary is $40,000 before taxes, and I don't have much of a savings. I am looking into going back to school, full time. My plan is to quit my job, move across the county, and find something that covers my living expenses while I go to school. My reasons for this move is to change careers. Not sure if I would be making all that much more, but I will be doing something that makes me much happier. My question is...Do I reapply for more loans? The school I am looking at is about $22,000/year for a two year program. I have no other debt. There are a handful of scholarships I am looking at, but I don't think they will amount to much, if I get them at all. I guess I am just looking for opinions and maybe some ideas for other options.
Supplemental Disability for Federal Employee
Added on : Sunday April 22nd 2012 03:14:16 PM
I have read Link and Link but need some more guidance. I removed my original post in the thread at OP request and started my own. Plus I know there are quite a few federal employees on this forum so it could help them as well.I'm actually looking to get a new supplemental policy for myself and would like some opinions. Some background: 24yr GS-12 federal employee 68809/yr. FERS disability coverage is 60% first year and 40% after. I currently live with my brother and just one of our income is enough to support the whole household. However even on my own I can live off 40% after some cuts (retirement, newish car, entertainment) although I would like the extra for quality of life plus actually put something towards retirement. I currently have AICPA plan (4000 month) which I know is not good and am looking to maybe replace it with something else.I found two options:First is this group plan for federal employees called FedAdvantage. Information can be found in the following links:
Details
Booklet
Brochure
I'm considering the Premier Plan with 70% income replacement to 65 after 90 day waiting period. It has FERS and SSDI offsetting rules. Inflation protection is included under premier. Plan is also guaranteed issue (although I have no health issues).Disability definition is:You are unable to earn:During the Elimination Period and the next 24 months of Sickness or accidental injury, morethan 80% of Your Predisability Earnings at Your Own Occupation for any employer in Your Local Economy; andafter such period, more than 60% of Your Predisability Earnings from any employer in Your Local Economy at any gainful occupation for which You are reasonably qualified taking into account Your training, education and experience.Mental coverage limited to 24 months except for schizophrenia, dementia, and organic brain disease are not limited.Residual Coverage. From what I understand 77% minus earned income for first 24 months and 77% minus 50% of earned income after(100% max).Cost is based on income(I plan to retire at 57 or earlier). Under 35: .0038 35-45: .0057 45-55: .0106 55+: .129
So for me initial cost is $22 a month and as high as $74 (assuming they don't raise rates which I know they can) with an average of $40 over 32 year planned career.The other option is two separate Guardian Provider Plus policies I got quoted for. It is to age 65 with residual disability and COLA.
It is a $1250/month (Approx 20%) 90 day wait at $34/month and a $900/month (Approx 15%) 365 day wait at $23/month for total of $57 month.
Plan is guaranteed and non cancellable unlike the previous and true own occupation with no offset rules or limit on mental disorders.
I don't think the residual disability is as good. First 12 months it's replacement of lost income but after benefit is proportionate to loss of income. So say if I'm 50% disabled then first 12 months I get the full 35%(amount I'm insured) but after I get only 17.5% from my understanding. So I will have 85% income first year and 67.5 after.My understanding of the fedAdvantage plan is that I will have 77% of income first 2 years and and 100% after.Guardian is more portable (don't plan to leave federal job though) but fedAdvantage will keep up to income increases (at increase costs).Help me decide please.
In Five Steps to Your Next Job, Narinder Mehta explains how to: assess personal skills and job interests; put together a good resume and targeted cover letters; identify potential employers; prepare for job interviews; and evaluate job offers. The book is based on the author's personal experiences as a job-hunter, as a manager responsible for hiring employees,and as an executive recruiter. It provides a framework for successful job search. Essential steps in the job search process and techniques for successful completion of each step are explained. The book clarifies how to use the Internet for job search and includes a list of the job-related websites. The jobs often go to those candidates who know the most about the job search process. The book will help the readers to gain that knowledge. It is a how-to-do-it manual filled with practical ideas
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iPhone/iPod version here
iPad HD version hereNew iPhone game sale! Blokus is now FREE for a limited time!
The award-winning hit board game from Mattel arrives on the App Store! You liked UNO? You are going to LOVE Blokus!Blokus is fantastic in digital form, with plenty of single-player and multiplayer content to keep you occupied. SlidetoPlay (4/4)Rules are simple!
The winning strategy: Block your opponents so they cannot add anymore blocks on the board!
Blokus is a strategy game that will captivate you and get into your mind.
4 GAMES IN ONE
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Compete in any of these game variations through:
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You can set the difficulty level and the time limit for each move, making each game a new experience.A COLOR BLIND MODE
Icons added on the pieces allow color blind people to play.
BLOKUS and associated trademarks and trade dress are owned by, and used under license from, Mattel, Inc. 2010 Mattel, Inc. All Rights Reserved. BLOKUS is based on the original concept by Bernard Tavitian. 2010 Gameloft. All rights reserved. Gameloft and the Gameloft logo are trademarks of Gameloft in the US and/or other countries.
This person can adversely affects my career and useful partnerships. I'd like to arrest this before it exacerbates. 1) we were friends and worked together for a start-ups. Unfortunately, we had our differences, and that resulted in an ending of both friendship and cooperation. It seems as if it ended amicably. 2) We know same people and sometimes bump into each other, albeit infrequently, at events. It never results in conformations, and we're pretty friendly to each other, usually catching up on things.3) This person now bad-mouths me behind my back, especially to people who he just met and learned my relationship with them.A recent example: I met a person who I might become business partners with. The potential business partner met him at a networking event. After the event my potential partner told me, that my ex-friend told him bad things about me4) Unfortunately, the facsimile of this happened a few times already (that I know of). What is the best course of action? Can I take legal actions for defamation? Obviously, I would like to peacefully resolve this situation, but I'd like to know about my options.
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Added on : Tuesday April 03rd 2012 03:34:45 AM
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"The Best Financial Advice I Ever Received"
Added on : Friday March 30th 2012 09:09:28 PM
I just read this great article and thought it was worth sharing with FWF.original Link------------------------------------------------------------------The Best Financial Advice I Ever Received
Posted by Jamie Downey May 20, 2009 09:09 AM
A friend asked me last week, What is the best piece of financial advice you ever received? Without much thought, I responded, invest your time, dont spend it. I got that sage advice from Jeff Gitomer, an entrepreneur and author of several best selling books. While the idea is not original to Mr. Gitomer, I had never read it so succinctly nor contemplated so thoroughly.Similar to investing money, investing your time pays dividends for you in the future, while spending time is a quick pleasure that provides little future value. Investing time will improve you, your life, your health and especially your finances.After getting this piece of wisdom, I set out to eliminate the areas of my life where I was spending time. It is now shocking to me how much time I had wasted on activities that did not benefit my life. Here are the biggest areas where I wasted time and see many others doing the same:Television This was the number one waster of time in my life, and based on my anecdotal evidence, I am not the only one guilty of this problem. I now try to limit time in front of the TV to under an hour a day. Usually this is my last hour of the day when I am pretty tired and my mind is not willing to provide me much motivation. When is the last time the television provided any benefit in your life? The answer is never. (One significant time saver get TiVo or a DVR. I will now watch Patriots game in about an hour and fifteen minutes as opposed to three hours and fifteen minutes. This simple act saves me two hours every game.)Commuting Getting to and from work is something we all must do and provides little future value in our life (save our paycheck). We can improve the value of this time though by listening to audio books, thinking or praying. Listening to music and talk radio helps reduce our rage on the road, but like television is only a mental diversion. Commercial radio will provide no real future benefit in your life.Sleeping Obviously we all need sleep. However, most people can do fine with seven to eight hours of sleep a day. Anymore than that is wasting time. My wife likes to sleep in on weekends, usually until around 10:00AM. Last Saturday was one of those glorious spring days in New England. Unfortunately she lost three of those hours in slumber. Time that will never come back.Shopping My time away from work is precious, and I can think of nothing worse than spending this time at the grocery store or in a crowded mall. Consider Peapod and shopping online when possible to avoid this misuse of your time. Shopping is a double whammy, it saps both your time and finances.Traveling My work requires me to travel on occasion and last night was one of those days. I had a three hour flight from Logan to Ft. Lauderdale and was amazed at the time wasting activities involved by most passengers. Here was three hours that could be used in mental engagement and improving ones mental skills. I saw very few involved in such activities. Mostly people were just watching television or playing solitaire on the computer.Here are some activities that I believe Mr. Gitomer would agree are investing activities:Reading This is the activity that I have increased the most since receiving Mr. Gitomers words of wisdom. I now set out to read at least an hour a day. It is usually the first hour that I get up in the morning and do it with a nice cup of coffee. I split this time between books that will improve my craft (business and motivational books) and spiritual books (the Bible and Christian books). Other good sources of information are history books and biographies. There is a website, 800CEORead.com which provides a list of the 100 best business books. I am trying to tick them all off my reading list. Keep away from trashy novels. Investing my time improving my trade will hopefully reap financial rewards in future years. Develop a passion for learning and your financial life will improve dramatically.Exercising Can you think of a more classic example of investing your time than exercising? It is something that we do now that will improve our future time on this planet in the form of good health.Building relationships There is no such thing in life as a self made person. We have all been helped along by family, friends, the church etc. Knowing the right people can help us reach our goals much quicker and easier. Search for the people that can help you reach your career goals and try and develop a relationship with them.Time with Family My daughter Madeline is turning one this weekend. Any time I can spend with her and my wife is a blessing.Thinking Our mind is our biggest asset and can solve most all of our problems. Spending quiet time every day thinking of ways to solve your problems, improve your productivity at work, increase sales, or accomplish a goal, can be done much faster and more efficiently by using your mind. We all have the ability to be creative, however, creativity is hard work and needs time like anything else. To paraphrase Thomas Edison creativity is one percent inspiration and 99 percent perspiration.Thank you to Mr. Gitomer for your wise and inspiring advice. I hope it will pay dividends in my life for years to come. Carpe diem.
Free Kindle Book: "Squirrel Cage" by Cindi Jones
Added on : Thursday March 29th 2012 03:15:36 AM
I know this won't be of interest to everybody, but it's going to be fascinating for a lot of people.Nine reviews, all five-star, on Amazon.What happens when you hold a secret your whole life that can never be shared? What happens when your faith abandons you to pray your problem away? What happens when you destroy a complete generation of your family? This is the story of David, born into the Mormon faith who faces the insurmountable to become Cindi. Her life crumbles before her as she is pushed into an untenable position. Her family is destroyed as well as her career. She manages to pull herself through these agonizing events to rebuild her life and reconnect with her family."In this autobiography, at times whimsical and at times serious, Cindi continues to hold strong to her principles in the face of so much rejection from those around her: family, faith, friends. I believe this story can be a source of inspiration for others facing similar difficulties, by showing that acceptance from others must start with self-acceptance." .. Andrea James The biographical story of David Steele who grew up a devout Mormon in Utah -- but knowing from an early age that he should have been a woman...The Book
Multiple Job Offers - What makes the most sense?
Added on : Thursday March 29th 2012 03:10:19 AM
I am lucky enough to have received multiple job offers in the last few days. I am currently agonizing over which is the right decision for myself and my family. I am not asking anyone here to decide for me, but thought it would not hurt to provide the details and see if any one could provide some additional insight, or bring up any issues that perhaps I have not considered yet.Quick facts:
ME: early 30's in the Marketing/Advertising arena
Wife: early 30's in the healthcare/social work field
Children: 1 child under 12 months.
Current location: Southwest Job 1:
Location: Chicago
Role: Higher level management, run small department, etc (i.e. Director)
Company: 5 year old company, small 35+ people with plans to expand.
Salary: 73k - with a annual bonus potential of 7k more
Notes:
--step up from where I am at now (role, responsibility, compensation), position and title would look great on a resume, potential to leverage to something bigger/better in the future.
--higher time commitment, responsibility, increased stress, potential longer hours (i.e. less time spent with wife and young child.)
--my extended family would be nearby (within 2 hours)Job 2:
Location: San Diego
Role: Associate level, non-management
Company: 12 year old company, larger co, with multiple offices
Salary: 75k
Notes:
--still a step up from where I am at now (role, responsibility, compensation), able to learn ins of agency.
--relaxed working environment, do not anticipate long hours or higher stress level, or any increase in time away from family
--wife's family is within 35-40 mins away.I am trying to reconcile what would best for the family, myself and my personal career development and future opportunities.Thank you.
I received an out of state job offer. It is a step up career wise, and financially.(also puts us closer to extended family as well).Due to this we now need to rent our existing home out. I am looking for some advice on what I should look for in a property management company, or things to avoid.Quick details:
-Home located in the Phoenix, AZ area
-2200 square feet - 3 bed/2 bath single family home with pool/spa
-average rent in our area is between $1200-$1500 for similar size homes.
-owe 257k on home / 30 year mortgage Thank you.
IP Attorney Career Advice
Added on : Tuesday March 20th 2012 03:11:56 AM
I have a solo IP practice and have been thinking a lot lately about where I want to go from here. I know there are a lot of smart lawyers on FW so I am hoping to receive some good advice or at least information I did not already have.Basically, I opened my own practice a few years ago because I did not want to work for a big law firm (mainly due to the number of hours) and thought I could do well. Before that, I worked for a small firm where I got paid very well and worked 40 hours a week, and also was involved in basically every facet of the practice, so I was not really anxious about going off on my own. The owner of the firm did well ($300-$400), and (in my opinion) was not as good of an attorney as I am, and I figured I could pretty much do the same things he did, although I also had some ideas for major improvements. Anyway, things went pretty much as I expected and I am back to making as much as I made before leaving the firm, however I am now working way more hours (like 60 hours a week) and also am realizing how hard it is to find and keep good people to help. I have contract attorneys helping me but they require a lot of supervision and I am reluctant to invest too much in training them. I have young children so almost my entire life is working and taking care of children.Needless to say, for someone who did not want to work big law hours this is not a good situation. At my old firm I billed out more than 50% more than I do now with about the same fees (and in 2/3 of the hours), because now I have so many administrative and other issues to deal with. Part of the problem may be that my fees are pretty low and I attract a lot of "undesirable" clients who require a lot of hand-holding and do not have a lot of repeat business (although I do have some excellent clients as well, maybe 20-25% of my work). I have been hoping to grow my way out of this and hire a full time associate, but I am now beginning to question the whole basis for having my own firm. At my old firm, I think some of these issues were solved (by other people) by doing lower quality work faster and not really taking the time to explain things to people, but that is not something I want to do. I worry that it will take me a long time and a lot of work to grow my business to a reasonable level and that the firm will then not be easy to sell due to the nature of many of the clients. I have been approached by some small/mid-size firms about mergers or similar, and have been approached by recruiters for big firms and I am really thinking about all my options. What kind of compensation might I expect if I go to a big firm as an associate several years out of school with at least some good clients who will come with me? At least $200k right? I imagine most of my clients would not be able to afford the higher fees, but I probably would not be working more hours than I am now. Is there the opportunity at some big firms to work from home some of the time? A big issue for me with my family is that right now I work during the day and then at night after everyone is asleep and I do not want to be working 9-9 every day with a commute. Another option might be to increase my fees dramatically (I have been increasing them incrementally), which should help the number of hours I work but will hurt me in attracting all kinds of clients, good and bad. I really don't know where my revenue would end up in that scenario. Or I could do a combination of increasing my fees and merging with another small firm which might help client development. The problem with merging is that it seems incredibly complicated to move all my clients over and work out an expense-sharing arrangement and figure out what to do with my existing website and other marketing stuff, plus from what others have told me there is a pretty good possibility the merger would not "work out" and I would have to move on again, which would probably be time-consuming and annoying to my clients.I have also considered trying to buy my old firm for around 1 x revenue, which might solve my growth problem, but on the other hand it might just send me further down the rabbit hole with a debt to pay off and a difficult time selling down the road.The end game in all this is probably not a 40-year career. I already have a fairly good nest egg and might want to get out in 10 years or so.Any thoughts??
Can anyone share any good career paths, or fields, that pay well, and can commonly be obtained through self teaching, and/or proof of knowledge, rather than simply requiring a degree?This would really benefit people such as myself, and other similar people. I am a very quick and proficient self learner. I'm especially skillful at technical, mechanical, logical, scientific, and computer tech type things (not so skilled with artistic and sociological type things). I want to explore possible new career paths, however college is simply out of the question at this point, or any time in the near future.There are so many resources for learning, from the internet, to the library, to various free open source online classes, which claim to teach courses that are completely equivalent to the college counterparts, but unfortunately don't offer an actual degree. With all these resources it should be very easy for someone to gain the equivalent or greater knowledge of a college graduate on their own for free, on their own schedule, rather than incurring massive debt to do so. The question is, are there any fields where it is actually common practice for employers to hire people based on their actual skills, rather than closing the door to anyone who doesn't hold a degree? A field where someone could start studying with a good level of confidence that they will have a very good chance of landing a job as soon as they become competent in that field?One example, I have once heard that computer programming is a field in which someone can self study an in demand programming language, and if they are good at it, they will be in high demand, and likely get hired making good money. If anyone could elaborate on this I'd like to hear, as well as any other good examples of careers that can be obtained this way? As well as any other good related resources of advice would be appreciated.Thanks.
Career Advice?
Added on : Monday March 12th 2012 06:04:05 AM
I'm a 25 year old student majoring in accounting with no debt due to the Post 9/11 GI Bill.
Currently I'm a senior that just needs 18 hours to graduate with a BBA in accounting.
My overall GPA is around 3.32 with no outside organization involvement or activities.
From my GPA you can tell I don't have much ambition or motivation.I pretty much hate school and just go since I get paid BAH every month. In fact I never wanted to attend
college in the first place, but I happened to have fell into the complacency of
the monthly BAH payments. I haven't acquired an internship yet however I do plan on it. I thought about doing security contracting and working on oil rigs in North Dakota or Texas if I decide
to quit school. At this point, it doesn't seem worth it at all. If someone offered me a 60k a year job
with benefits, I drop school in a heartbeat. At the end of the day I just want a job that's secure and
decent paying. I'm don't see myself climbing the corporate ladder very far. I figured if I find a spot I like at a company, I'll try my best to stay in that particular position.
I don't really have any desire whatsoever for continuing education past my bachelor's degree.
Since I'm in Texas, I also have the Hazelwood Act to cover 150 hours of college after I use up my
current benefits,so I don't need any type of tuition reimbursement. So what are my job prospects
like with my current info? Of course I have no interest in working with the Big 4 accounting firms.
I imagine I could at least start out in the 45-55k range? Basically my plan is to go with
a) accounting and find a job in that field using my degree
b) law enforcement (Cops get paid around 50k a year here and can make OT.)
c) contracting for a company like Dynacorp for PSS (Former Marine Corps infantry experience)
d) Oil rig work Any advice regarding my situation is appreciated. Please be as critical as possible.
Thank you.
Government Job vs Private sector job
Added on : Friday March 09th 2012 03:06:21 PM
Few weeks back I interviewed for a mid entry level (2-3 yrs of experience) job at State Government and I got the offer yesterday. Today, I got the offer from a Private sector job and its a manager level position.So far it looks like people lean more towards Govt job. Most people I know have asked me to choose Government job, and I am interested too, but Private sector job gives me the title that would help me advance in my career.Benefits are obviously better in Government (more vacation days, flexible time so that I can spend time with my family, less expensive health care and overall great retirement and pension benefits) I am still young and am not sure I will be in Government job for 30+ years.Pay is however 20% less in government than what I will be making in Private sector. While Govt. job is located in not so happening state, Private sector in located in a metro city.Let me know what you guys think. Will appreciate your opinions.Thanks,
help with retirement savings questions
Added on : Thursday March 08th 2012 12:21:33 AM
Wish to pick the brains of the more financially savvy folks here. My wife and I are both pharmacists, early to mid 30's, with 1 baby boy. She makes $110K a year, I make $130K. We have $200k in student loans total, plus another $15K in car loan. No other debt, don't own a house (yet). This year is the first time we will be earning full income after residency, and is at where we can't qualify for any of the deductions or tax credits. Awesome...My wife's job offers only traditional 401(k). Mine offers both Traditional and Roth 401(k).We would like to maximize our retirement savings, but we hit 401k contribution at 15% and 13%. We would like to save more (closer to 20%), and optimize if possible.(1) Should I go with Traditional or Roth 401(k)? Pharmacy salary is pretty flat throughout the career, don't expect long term earning power to increase more than 5%/year over all. So it makes sense to go traditional and save on taxes now, but Roth 401(K) will allow me to save more with after tax dollar.(2) is it possible to max out Roth 401(k) and then put more into a Traditional IRA?(3) Is there any advantage to put money into an IRA after maxing out 401(k)? (if I remember right, can't deduct taxes with the traditional IRA if in a 401K, and we can't qualify for Roth due to income) If not, then where should we put extra savings into?Any insight would be appreciated.
Is the Average income really 70K in the King County area of Washington?
Added on : Monday February 27th 2012 09:18:24 PM
I've been doing a lot of salary research and I'm trying to figure out if 70k is really the average working person's income in King County and nearby areas.I've looked at many different sources from census data, to government sites, to career sites, to wikipedia, to city stats etc, and figures seem to be very widely ranging. Sometimes they go by "per capita" income, which does not seem very accurate, and would produce lower figures since it includes all the old retired people, and very young adults, and people who do not work, etc. Other times average incomes seem like they may be skewed, for example if Bill Gates income is factored in, everyone is skewed. Other sources list "household" income. All in all, it seems like the average person's income is around $70K.But is that really the average? It just seems too high. None of my friends make anywhere near that. I've looked at a lot of colleges placement figures, whatever ones I can find that actually have placement salary info, and the vast majority of them, it seems that even students who got a 2-4 year degree, even many times with a STEM degree, get placed making around $17-$19 an hour. On the L&I labor statistics pages, the vast majority of average incomes are well less than that (although I think they might average throughout the whole US). I work in heavy duty construction, and I "can potentially" make around that much if employed year round (tough in this economy where construction has tanked), but it comes at the price of your health and breaking down your body.If 70K is really the average income, where the heck are all these $70K-$120K and above jobs hiding that statistically should make up about half the jobs out there? Because 99% of the jobs I ever see are jobs that pay $25K-$50K.
Is it always a good idea to take a raise in your first entry level job?
Added on : Tuesday February 21st 2012 12:18:00 AM
Many of us start our careers in entry level or junior positions and work our way up. In most cases the entry level position will be paid less than the senior level position and that is expected. My question is, while in an entry level position does it even make sense to turn down a raise? I ask because in most companies it seems that the best way to get a raise is to move positions entirely (from junior to senior). But it seems that if the same company were to give a raise to a junior and promote her to senior then that persons salary will likely always be less than the market value of that same company hiring a senior.So is it always good to take a raise and if you are being undercut how do you deal with that?
Looking for "auto notifications" of open positions in my area....
Added on : Monday February 20th 2012 03:13:38 PM
I'm looking to advance my career and make more money (i.e. That's why I posted this in the Finance forum). I live in a city of about 200,000 people with a very small newspaper.I'm trying to find some sort of robot that will scan the internet and email me anytime jobs are posted with the criteria I have established.I've already set up Careerbuilder & Monster to auto-notify me of positions that are posted on their websites. I would also like to get the same type of email notifications from our local newspaper, some companies nearby that I'm interested in and any other types of Careerbuilder/Monster websites that are popular today.Unfortunately our local newspaper doesn't have an "auto-notify" function, nor do the few companies in the area that I'm interested in.I need to do this quietly since I'm currently employed and would like to remain that way until I find another opportunity/job.I'm not actively looking, but it sure is nice to have Careerbuilder & Monster email me about postitions that might interest me.If anyone knows of some type of internet robot that will search as I've stated above please reply.Thank you.
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Accountant career advice request
Added on : Friday February 17th 2012 06:13:52 PM
Long time lurker, first time poster here. I've been struggling with some career-related decisions lately, and am hoping the minds of FWF can provide some unique insight.My background:- B.A. Economics
- In the accounting field
- Passed the CPA exam, but need more experience for the certificate
- Age 25, married, no kids
- Located in CaliforniaWhile I was in school, my plan was to follow the "normal" CPA career path (4-5 years at Big4/large regional CPA firm > transition to corporate accounting/open my own small firm). Due to the recession, however, many firms were more or less freezing new hiring by the time I was nearing graduation and my job prospects were poor. I worked as a temp, was unemployed for a while, then was able to land my current job, which is with a municipal government in an accounting role. I decided at the time that it was a good opportunity to ride out the bad economy and get my CPA exams out of the way, which I finished a few months ago. As of now, I've been with my current employer for almost two years. It's a good job overall, but I'm having misgivings about my current path and trying to decide where to go from here.My biggest concern is that the economy is still shaky and I'm hesitant to leave my current job, which is very secure, to pursue my original plan and look for less stable employment in a public accounting role. I don't believe my experience thus far would translate particularly well to public accounting, meaning there's a good chance I'd take a salary cut as well and start in an entry-level role. On the other hand, it doesn't look like the job market will be improving much for at least the next couple of years and I'm afraid of attracting stigma as a government employee by staying in the public sector too long. My job right now also tends to be pretty mind-numbing most of the time and not particularly satisfying on a personal level. Essentially, I'm trying to decide between making a long-term commitment to my current employer and quitting to try to follow my original plan.Current job:- $60k salary, likely future earnings potential is $~80k in five years, $~110k in ten years (plus COLA). Small potential for $~150k in a CFO role within 10-20 years.
- Full health/dental/vision coverage paid by employer. 5-7 weeks PTO per year (paid holidays plus vacation). Ample sick days.
- Defined benefit pension plan (1% at 50, 2% at 60) and 457 plan.
- Relaxed atmosphere, 40 hour work weeks with almost zero overtime required.Alternative:- Based on recent research, $50-$55k likely starting salary, future earnings potential $70-$100k in five years, may be as low as $80k or as high as $200k+ in ten years.
- Health/dental/vision plans offered by most employers I've researched, with varying degrees of employee share.
- 401(k) plan, possibly with employer match. No DB pension.
- LOTS of overtime during the busy season at a CPA firm, 40-45 hours/week during the rest of the year.
- Work is somewhat more fulfilling.What would you do in my shoes?tl;dr: Keep boring, safe government job or take probable pay cut and extra risk for potentially better job in the future?
Request for career advice
Added on : Wednesday February 08th 2012 06:21:50 PM
This thread is on behalf of my significant other.Her background includes
1. An MA in English Literature.
2. "Adjunct Professor" in a college for 1 year. This is outside USA.
3. Stay-at-home mom looking after the kids for the past 6 years.WES (and education evaluation service) evaluated her GPA to be 2.996 in BA and 3.336 in MA.She loves teaching. So she decided that she'd like to become an elementary teacher. The degree she would like to work towards is an MS in Elementary Education along with state certification. In our state - that is a 5 year program (yes - you read that right!!).Factors/Reasons for choosing "Elementary Education":
1. She loves teaching.
2. If she can get a job in the same school where our kids go (or if kids can move there) - then it will become very convenient. Her vacations will always coincide with the kids.
3. Perceived lack of safety for teachers in some high schools - hence elementary teaching is preferred.
Sequence of events since figuring out what she wants to do:1. She took Praxis 1 in 2011 and scored 95th percentile or higher in all three sections. She also cleared TOEFL.2. She spoke with the academic adviser of the teaching college she'd like to go to. The advisor said that subject to her being accepted in the school, they should be able to transfer all the credits (as equivalents) from her overseas English MA and knock down 2.5 years from the MS program. i.e. she should be able to complete her MS in around 2 years (instead of the regular 5) if she is up for it. He also asked her to complete 5 pre-requisite college courses before she applies for admission. These are a couple of math courses, a science course, a child psychology course and a US History course.3. She took the Accuplacer placement test in the nearby community college in order to qualify for the math courses since she did not do any college math before. She needed the level D (Pre-Calculus). She got this level and also scored pretty good (99th percentile in all the levels except for the "college level algebra". She got 80th percentile there).4. The director of the department that offers these tests happens to be a Math prof and he also happened to be the one who signed the waiver allowing her to sit directly in the required math courses. Apparently he liked her placement test scores enough to offer her a "job" as a "tutor" in the community college for some of their elementary math courses. She is currently doing this job (mostly as a way to add this to her resume) a few hours every week (along with 10 credits and two kids). Apparently the director is so far happy with her work. He also thinks she is "overqualified for an elementary teaching job", "it was a waste for her to study English and should have taken Math instead", and that she should at least aim for a high school teaching job if not higher. He was also gracious enough to offer to give her a recommendation based on her job and personally speak with the folks in the teaching college when she applies there.6. The feedback from her classes (at the same community college) is also very positive so far. After two classes, her math class prof (different from the earlier one) was ready to write a note to the Math chair waiving further pre-requisites for her so that she could apply to the MS program this Summer instead of in the fall.After this long "history" - now it is my time to ask for suggestions and feedback. What other career options could she have opted for (or can still look at)? She wants something relatively low stress so that she can be with the kids more.Will she is considered overqualified for an elementary teaching job? How easy/difficult will it be for her to find a job (or change when she needs it) assuming she does well in the college?
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LinkProduct Description
Information Technology Jobs in America: shows where the jobs are, in the U.S. IT Services Sector and in U.S. Federal and State and Municipal government agencies and departments. The book covers new territory not a technical guide this career guide goes beyond, to show Americans the largest source of jobs in the U.S. in this growing industry. Section I Good News Companies Keep Hiring as Demand Grows. Why Outsourcing May Lose Its Power as a Scare Word. Shifting Occupations in the Industry. More Managing - Less Programming. Tech Jobs with Government Are Lively Stable, Secure, and Well-Paid. Salaries show a Higher Paid Class of Employees. Experience Is an Acceptable Substitute for Education. Core Skills Include Business-Process Understanding.Section II Explains how to make contact with this special sector for IT jobs, IT service providers, and how to build a career in the IT services sector.Section III Explains Technology in Government, public unionism for emerging technology jobs and the desirable salaries of these emerging technology titles. The authors describe the technological developments that make technology in government possible. They define the modified processes that now call for staff in Relational Databases, Web Portal Development, Infrastructure Development and Maintenance, Network Computing, Data Security, e-Government, and e-Commerce.Section IV "What Jobs Are Available in Federal, State and City Government," brings to the forefront the thousands of information technology jobs that exist in all 101 Federal agencies, and in U.S. State and Municipal government agencies and departments. Detailed Tables show current Information Technology Job Titles for Federal and State and City information technology jobs, Salaries, 5-year Salary Projections, and Estimated Pensions. Financial facts explain why, in todays global economy, an IT career in government is a desirable choice.Section V Provides a Step-by-Step guide to "Completing the Application & Hiring Process" for an information technology job in both the Federal and State and City government personnel hiring systems. It explains why a Civil Service Exam is not required in most cases; why experience is an acceptable substitute for education in most government jobs, how to fill out an Experience and Education paper or Knowledge-Skills and Abilities Statement, and Factors for Job Class Salary Ranking and Candidate Ranking. Appendices include Sample Federal IT Job Announcements, and Sample State & City IT Job Descriptions with Qualifications Required, and Required Application Forms.Section VI Provides Analytical Articles on Todays Tech Jobs: C++ Computer . Java and JavaScript . Visual Basic . Sun Solaris, Unix, Linux, Network Tech Jobs . Oracle, SQL, FoxPro, Sybase, Database Management . Software Programmer; Software Engineer . Network Programmer, Network Systems . Telecommunications . Web Developer . IT Procurement, IT Training, Project Management and more.
Free: Job Search Guide Book (kindle)
Added on : Friday February 03rd 2012 04:20:19 PM
Job Search Guidebook Free (Kindle)
This weekend (Feb 3-5) you can get a free copy of Alison Doyle's Job Search Guide Book.From her Google+ profile: Alison Doyle is a job search and employment expert with many years of experience in human resources, career development, and job searching, with a focus on online job searching, social media, professional networking, and employment trends and technologies. She has covered job searching for About.com since 1998.
New Career advice...
Added on : Thursday February 02nd 2012 12:10:31 PM
So I graduated from College with my Business Administration Degree last May and have yet to find a new job. I currently have a decent paying job so it's not like I'm unemployed but I'm just finding it depressing that I can't break this cycle of not getting an interview anywhere. It seems like every job that is available in the Business/Finance/Management field require 10 years experience, a Masters Degree or pay $10k less a year than I currently earn...Anybody have any advice on how to land an entry level job in this field? I am in the NW Florida region if anyone is hiring ;.
Government Jobs in America: [2012] Jobs in U.S. States & Cities and U.S. Federal Agencies with Job Titles, Salaries & Pension Estimates - Why You Want One, What Jobs Are Available, How to Get One [Kindle eBook]Kindle Price: $0.00
You Save: $4.99 (100%)Product Description
"Tell me how to get a State, City or U.S. Federal job. Why are government jobs so desirable? What jobs are available? Tell me what today's government jobs are like. What are the salaries? What are the pensions? How do I complete the application and hiring process?"This book covers all aspects of getting secure, high-paying government employment. It covers getting work in U.S. State, City, and Federal government agencies and departments."What Jobs are Available," shows job titles in U.S. States, Cities and U.S. Federal government agencies, including salaries, 5-year salary projections, and pension estimates. This presentation, in Chart form, permits the jobseeker to see the scope of government jobs. With the financial facts, the jobseeker can see why a government career makes sound financial sense. By seeing the range of job titles and salaries within individual States and Cities, and in U.S. Federal government, you can plan your job title approach, and estimate your career path. The reader will learn about jobs for people with disabilities, Veteran's preference, and corporate and mail processing jobs with the U.S. Postal Service.The section "The New Face of Government," shows why 21st Century government work is desirable. Technology in government has changed processes, eliminating many jobs, and creating a new class of employees with a higher class of salaries. You will learn about the Civil Service, public unionism for jobs, and the government job package, including benefits such as regular raises, employer repayment of Federal student loans, special training programs, and lifelong employer-paid pensions."Completing the Application and Hiring Process" provides a step-by-step guide to, obtaining an application, and preparing the resume or experience and education Knowledge-Skills-Abilities statement. It explains what happens after you respond to the job announcement or file to take an exam to be on a list for a job. You will learn about the resume review process, the test procedure if it applies, and the interview procedure. You will learn where to get an application and how to file."New Areas of Work" covers the new employment and career opportunities available in Information Technology, Homeland Security, and Environmental Protection. Jobs in these areas cut across many government agencies and departments. An up-to-date chart with "Information Technology Job Titles & Skill Sets" presents an array of specialties and skill sets, useful to put on a resume, in preparing an application for one of the many technical or non-technical jobs offered in IT.A "Model Knowledge-Skills-Abilities Statement" shows you how to prepare a KSA Statement in response to a job announcement. Charts show Salaries, 5-Year Salary Projections, and Pension Estimates for all job titles in U.S. Federal government, and for job titles in U.S. States and Cities. The Salaries, 5-year Salary Projections, and Pension Estimates are based on current published salaries, with 5-year raise averages, and published retirement system formulas.Government Keeps Hiring As Demand Grows. Career & Hiring Choices for Employer & Employee Expand. A New Workforce Model Presents Opportunities for Part-Time, Contracting, & High-Paid In-House Expertise. Jobs with Government Are Lively Stable, Secure, and Well-Paid. Jobs Are Available in Federal, State and City Government. Jobs Are Changing in Nature - More Managing. Experience Is an Acceptable Substitute for Education. Core Skills Include Business-Process Understanding - Critical Thinking - Communication. Government is Attracting & Retaining Experienced Workers. The Climate is Favorable for Entry Level & Experienced. Lucrative Jobs. Technical & `Non-Technical' Jobs Are Available.Product Details
Format: Kindle Edition
File Size: 375 KB
Publisher: Partnerships for Community (January 1, 2011)
Sold by: Amazon Digital Services
Language: English
ASIN: B004KAAZ3I
Text-to-Speech: Enabled
Lending: Enabled
8 customer reviews, most of them 5 out of 5 stars.Linky
Best career move for a high school-only graduate
Added on : Monday January 16th 2012 12:30:08 PM
I found this article to be quite informative:California Prison Academy: Better Than a Harvard DegreeWSJ article said: The job might not sound glamorous, but a brochure from the California Department of Corrections and Rehabilitations boasts that it "has been called 'the greatest entry-level job in California'and for good reason. Our officers earn a great salary, and a retirement package you just can't find in private industry. We even pay you to attend our academy." That's rightinstead of paying more than $200,000 to attend Harvard, you could earn $3,050 a month at cadet academy.

It gets better.

Training only takes four months, and upon graduating you can look forward to a job with great health, dental and vision benefits and a starting base salary between $45,288 and $65,364. By comparison, Harvard grads can expect to earn $49,897 fresh out of college and $124,759 after 20 years.
Makes me ask, "What on earth am I doing with my life?"
5-piece Junior Drum Set Metallic Blue $140 FS MusiciansFriend.com
Added on : Thursday January 12th 2012 09:48:06 AM
LinkA great little kit to kick off your child's drumming career.The Pulse 5-piece Junior Drum Set is a real drum kit that was designed with the little drummer in mind. Smaller-than-standard drum sizes include a 16" x 12" bass drum, 8" x 5" and 10" x 6" mounted toms, 13" x 10" floor tom, and a 12" x 4" snare.It also comes with all the necessary hardware: a kick pedal, cymbal and hi-hat stands, and a throne. Complete with a 12" cymbal and a pair of 10" hi-hat cymbals.
Get Motivated Seminar - $1.95 / ticket or $9.95 / group (Unlimited Tickets)
Added on : Wednesday January 11th 2012 06:32:07 PM
Don't know if anyone is interested in a motivation seminar. I'll share anyway. The GET MOTIVATED Seminar -
Hear inspirational stories and valuable career advice from great leaders with speakers like Rudy Giuliani, Colin Powell, Dan Marino, Laura Bush and many others. All of us can learn from the event as they discuss time management, team building, leadership, personal development, goal achievement, sales training, negotiation skills, financial management, investing, relationships, health and fitness, spiritual success, business strategies, motivation, customer service, communication skills, productivity, and much, much more! Upcoming events:
Las Vegas
Thomas & Mack Center
January 24, 2012
LinkTucson
Tucson Arena
January 18, 2012
LinkHonolulu
Hawaii Convention Center
January 31, 2012
LinkTulsa
BOK Center
February 13, 2012
LinkOklahoma City
Chesapeake Energy Center
February 16, 2012
Link
Link for Executive level tickets @1.95 instead of $39
(you can try to replace 7.0000 within the link for other cities for this upgrade.)Miami
American Airlines Arena
February 29, 2012
Link
Some may wonder why I'm asking a career type question on a finance forum. Its because I believe that many of the people on this forum are highly intelligent, and would be some of the best around at providing great input. Also it is finance related, due to the cost of college, the salary benefit, etc.Is there any way for a person who possesses very good technical skills, very scientific minded, and with a passion for the science/technology/engineering field to get their foot in the door in the industry, with a good paying job and possibility for advancement, based on self knowledge rather than a college degree? I have always been a very technical minded person, and really just have a passion for it. Getting into a job helping engineer new technology, or studying aerodynamics in a wind tunnel, or other similar things is something I think I could really excel in. I actually find myself studying all sorts of various things in the science/technology/engineering/computer field a couple hours every day, just because that's what I'm interested in. I'd be confident to say I probably have the equivalent level of education and technical ability as many people who do have bachelors or 4 year degrees in these general fields. The problem is I can never seem to get my foot in the door without that piece of paper. I do have a new plan of action, which is outside of the box. I haven't had much of a chance to try it yet, but so far it seems promising. Perhaps you guys who may be in the field can tell me what you think, and if you have any advice towards my plan.My plan is to do away completely with the typical resume. Resumes are so boring. And in my case with no degree, and my current trade being construction, a resume is almost worthless. Instead I'm thinking of trying to get more of a portfolio to employers. One with pictures and descriptions of things I do to catch their eye and provide proof that I do have good technical ability. I want it to basically give the idea of "look, I don't have a official degree, but I have the equivalent level of knowledge, and I'm smart enough to learn anything you throw at me". Plus, just because someone has a college degree, doesn't mean they are smart or know much, they may have just smoked pot, partied, cheated on tests, and just squeaked by only to forget most of what they've learned. With a portfolio, it demonstrates proof of competency and ability.Here are some examples of a couple portfolio pages I made slightly related to a recent position. These are by no means the top of my ability since most of these projects were thrown together in only a few hours. I'm plenty capable of bigger, more complex projects. They are simply things I did for fun.Remote control self stabalizing tricopter
http://i1097.photobucket.com/albums/g355/skydivecarl/Projects/pr...High Speed camera flash controller.
http://i1097.photobucket.com/albums/g355/skydivecarl/Projects/pr...Pistol size leaf blower
http://i1097.photobucket.com/albums/g355/skydivecarl/Projects/Pr...High Efficiency LED shop lighting
http://i1097.photobucket.com/albums/g355/skydivecarl/Projects/Pr...Remote control finger for camera shutter
http://i1097.photobucket.com/albums/g355/skydivecarl/Projects/pr...
What do you guys think? Think its a good approach? Any ways to expand this idea, or do some other outside the box idea to break into the industry in a good paying career without the official degree? In general most people I know or run into always assume that I am an engineer, they think I'm joking when I say I'm a construction worker. I've also been told that I'm "one conversation away from a great career, if I just get a chance to network with the right person". I may likely continue education sometime, but at this moment in time getting a degree is out of the question.
How can anyone actually get a good career through college?
Added on : Saturday January 07th 2012 12:07:32 PM
I am very confused how anyone be even reasonably confident of getting a good career through college? It just seems like such a huge gamble with the odds against you.I know so many people that are worse off going to college, than if they didn't. Because after getting out, they only end up in jobs making like $15-$18 an hour, and have $40k+ in debt with accruing interest. I don't really know any people personally who have got their degree and went on doing something they like, and making $60K-$120K a year, like the popular belief is supposed to be.I look through the course brocures at community colleges, and 90% of the so called courses they will teach, are in fields that do not likely pay well, like baker, child care, mechanic, etc. Sure, maybe major universities are better, but unless you are lucky as a child and your parents run a good college fund, the average person can't just put everything in life aside to go to a university mid point in their life.Also, many fields that seem to require degrees have such widely ranging payranges, that how are you supposed to have a clue what to expect? I've "heard of" I.T. guys, network programmers, etc making 6 figure incomes, but ones I've met make dirt. There are a lot of fields like that where you don't know if the pay will be $10 an hour or $40, since its so widely ranging.Most colleges to me seem more concerned about taking your money, since they are a business, than actually getting you into a good career.I've worked quite a few jobs without college, and generally would make more than anyone I knew with a 2-4 year degree. Generally jobs could range from $20-$35 an hour. Currently at about $35, however I don't really like the career, and its also being hit hard by the economy, not getting full hours. I'd be willing to take night classes, get a degree, etc if I was reasonably assured that I would be successful in getting a career that pays at least $30-$40 an hour, but it just seems to me like the odds of that are slim, and the more likely outcome would be racking up massive student loans, finding out that whatever claimed lucrative field I studied, only has low paying jobs available.How does anyone win this gamble?
Story: low net worth, low income, most of it donated to charity
Added on : Friday January 06th 2012 03:11:16 PM
http://boldergiving.org/stories.php?story=Julia_Wise_97Julia Wise said: This past year, at age 24, we lived on about $22,000 and gave about $45,000. As our income increases, we expect to keep a similar amount and give away more.They also hesitate to have children, as "that money could go farther by helping other children". They are young, of course, and have time to think about things.On the one hand, this couple seems to take things to extreme; on the other, both have very low paid jobs - and they are college-educated! If the ability to make more money in order to donate more mattered to them, they would advance their careers. So, as much as they want to believe that their choices are about impacting the world, they are primarily choices relating to their own lifestyle. A high net worth individual donating just a fraction of his wealth would have a much greater impact.At the same time, they remind me of clergy in certain religions who also do not have children and devote their lives to helping others without making multi-million dollar donations. A kind of secular clergy. Perhaps with a psychiatric disorder?
Free Album Download Nettwerk Music Sampler (Noise Trade)
Added on : Thursday January 05th 2012 06:32:35 PM
Vancouver, BC / Indie : Rock For the past 25 years, Nettwerk Records has stood by one simple statement: We Release Music That We Love. With this declaration as our guide, plus a creative, strategic and passionate staff in North America and Europe, what started in Terry McBride's Vancouver apartment two and a half decades ago has morphed into an international power house. From launching the careers of Sarah McLachlan, Skinny Puppy and Coldplay, to seeking out today's most talented artists like fun., Old Crow Medicine Show, Morgan Page and Great Lake Swimmers, we have released over 400 albums that have amassed worldwide sales in excess of 100 million albums. We are a non-traditional record label for the non-traditional artist; we strive to embrace the ever-changing dynamic of the music industry and discover fresh and innovative ways to connect music fans with new artists and reintroduce established artists.http://www.noisetrade.com/nettwerkFeaturing:Ladytron
The Rifles
Peter Murphy
Peter Fitzsimmons
Matt Wertz
Ivy
Kidstreet
The Submarines
Jay Brannan
Chadwick Stokes
Frazey Ford
Joshua Hyslop
Great Lake Swimmers
Features:50 all new licensed master tracks, featuring the latest hits and classic favorites
- Featuring five #1 Jackson 5 hits, including Michael Jacksons first #1 solo Ben
Perfect for parties or for playing competitively as a solo artist - Party Mode : Multiplayer game Modes for up to 16 players
- Career Mode: Sing your way to fame by showcasing your skills and unlocking new venues and accessories
Multiple venues to choose from: - Ten brand new venues featuring elaborate themes and special effects
- Custom venue creator where players can design up to six venues of their own
- Includes an option to feature original music videos onstage during a players full performance
Compatible with existing library of 200 downloadable songsNewly improved custom character creator with extensive features to choose from http://www.inetvideo.com/Items/N02-012842http://www.walmart.com/ip/Karaoke-Revolution-Xbox-360-Xbox-360/1...
Expected financial decisions for 2012?
Added on : Sunday January 01st 2012 09:15:25 PM
We have the financial decisions for 2011 at http://www.fullofdeals.com/forums/finance/1157010/?newest=1#last and career thoughts for 2011 at http://www.fullofdeals.com/forums/finance/1156626/m16570601.Following on those, do you have any expected financial decisions or career changes for 2012? Any theories on what will happen with the stock market? Any major life changes coming? Anyone getting married?For me, I expect to be able to contribute more to my Roth IRA and I would like to start investing in dividend-paying stocks as part of various companies' direct stock purchase programs. I would also like to increase my savings to at least 3 months of living expenses in case of any emergencies.
Quitting the rat race at an early age
Added on : Friday December 30th 2011 09:16:09 PM
I'm 28 years old and I feel I've accomplished a decent amount for my age. I have a good job that I enjoy as much as one can enjoy a job, I run a side business that boosts my earnings to ~$200k per year, I own a ~$250k condo (still have a mortgage, though), and I have ~$100k in savings. I love where I live and I have great family and friends.Even with all this I don't necessarily feel happy. My life on weekdays is pretty much wake up early and go to work, get home late and work on my side business, do my household chores, hit the gym, and then sleep. The weekends are just long enough for me to enjoy a few hobbies and recharge for work on Monday. Honestly I'm not really unhappy either. I guess I kind of feel like a robot stuck in a monotonous, but not terrible, routine.Lately I've been thinking about giving up everything and retiring to a tropical island somewhere in the Caribbean or Pacific. If I were to cut back my expenses for the next 5 years and sell all my assets I could probably walk away with ~$500k in cash and ~$250k in post-tax retirement savings, depending on how my company stock performs. I could use the cash to buy some beachfront property, a decent home, and maybe a small sailboat.Then I could do my side business part time to pay for my living expenses. Since my housing would be paid for and I'd be living somewhere with a dramatically lower cost of living, like the Philippines, I wouldn't need to work that much to pay for the essentials. Plus my retirement accounts should hopefully approach $1m, assuming a 5% real rate of return, by the time I'm eligible to withdraw the funds.Am I crazy for thinking like this? I'd be giving up a lot - my career, hometown, friends, etc - but I think I might feel happier about my life. On the other hand, if I were to make a move like this I'd want to do it while I'm still young (say early to mid 30's) so I can actually enjoy my living situation. Thoughts?
Career Thoughts and Compensation Thread - 2011 Edition
Added on : Thursday December 29th 2011 12:10:59 PM
Greetings and Happy Holidays to All! It's time to get the 2011 Career Thoughts and Compensation Thread rolling. I started doing these threads annually on the FW Finance board in 2006. When I originally started this thread five years ago, I thought it could serve as a great resource for people to learn about the ups and downs of various careers, including information such as salaries and benefits. I have always found these threads particularly informative and interesting.Last year's thread seemed to have a lot of good information, even though it only stayed active for a couple of months. Hopefully this year's thread can remain active for longer. Now gang, here's a reminder of the rules, which 99.9% of you have been great at following over the past four years:If you participate, please try to keep this a positive, informative thread, and let's not get into any arguments about how one's career/education/compensation makes him/her superior/inferior to other people. Contribute as much or as little information as you're comfortable sharing, but please be honest so that this may serve as a truly informative thread for people mulling their career options.So, now that the ground rules have been set, how did your job go this year? Did things go well or not so well? How well were you compensated for 2011? Did the poor economy have a serious effect on your career? Maybe each person can give a brief description of themselves, their job, their education levels, and their salaries, present and maybe even projected salaries for the future. As always, since I'm starting the thread, I have to bite first:
Gender: MaleAge: 39Location: Northern NJOccupation: Urban Educator (My fancy title for a teacher in a city of low socioeconomic standing)Education: M.A., plus 33 additional credits2011 Compensation: $90,000 (Base Pay + a little extra money taking on extra duties.) Base salary for the 2011-2012 school year is about $88,000 right now, but should be more, since we do not have a current contract right now. (More on that in a minute.) My compensation this year is pretty much the same as it was last year, although last year's figure was inflated a bit due to a pretty large amount of retro pay due to me.Future Salary Projection: When our contract is settled (very soon hopefully), my base pay should be in the 100K range. This is the top of the teachers' guide in our district, so future raises are going to be smaller after this, maybe 2K to 3K per year more for the foreseeable future. Benefits: Full medical, although teachers in NJ now have to pay a percentage of their salaries for their medical benefits. (It's currently 1.5% of base salary, but it's going up even more in the new year.) We get modest dental, generous sick and personal time, a decent pension plan (at least if the state doesn't default on the benefits), tremendous job security once you achieve tenure (but virtually none before that, and even with tenure, you can still have the daylights menaced out of you. Also keep in mind that not all states offer tenure, in which case you can pretty much be fired at will no matter how much time you have in a particular district.) In almost all districts in NJ, you can accumulate sick time from year to year. What's the job like?Very difficult and getting more difficult by the year. Tremendously long hours, almost no down time during the school day (I don't take lunch very often),lots of work at home, deplorable working conditions, with some classrooms reaching temperatures of 90+ degrees and others below freezing. Prepare to adopt some small scurrying pets who have made your classroom their home in older buildings in urban districts. You will also most likely need to spend a decent amount of money on supplies for students because your school won't provide them, even though they insist on your using them. Very little respect and support from most supervisors, parents, and students. I do it for the good kids and because I love teaching. Massive budget cuts have made the job even more difficult. Many teachers (myself included) are now finding themselves doing two jobs for the price of one due to massive retirements and staffing cuts.Would you recommend the career to others?Every year, it's become harder and harder for me to recommend teaching as a career. Public employees all over the U.S. have taken a real bashing over the past couple of years, and teachers seem to be Public Enemy #1 of the group. This is not an easy job. If you're doing it correctly, it's at least a 50-60 hour a week job, and it's 50-60 hours of grueling work. Teachers in urban districts in particular have taken a real beating. They are expected to be miracle workers, solving all of our society's ills. On top of that, there seems to be a growing chorus of people calling for teacher salaries and benefits to be cut to the bone. And, unfortunately for new teachers, your benefits are going to vanish before the benefits for the veteran teachers will. Once the teacher bashing subsides, I may be able to recommend teaching again as a profession. But for right now, it might be better to see what else is out there.
SGFX Financial Ltd
Added on : Sunday December 25th 2011 12:24:09 PM
Hi! I am working as a HR- Assistant Manager in SGFX Financial Ltd. I contradict to many peoples comments which were posted earlier. Since, its a start-up company, initially for a month, it took time to set up systems, departments, procedures and policies. But since months have passed, our company is doing excellent in terms of its functioning. Being the HR I am aware that my employees are satisfied with the company. Even as an employee myself, I feel that my official documents are in place, my salary is credited on time, we have a proper professional way of functioning.
I am ambitious and pretty hopeful about my career with this company. As the company grows, I see myself at a height.
Stay at current job or leave for another job.
Added on : Tuesday December 20th 2011 03:21:13 PM
Hello FWF Crowd. Since you all provided me such great advice and wisdom on my last thread, I thought I would come back for a second helping.I have received a job offer from a new company and would appreciate any and all advice relating my current position versus the new one.Current Job:
-Financial Analyst (a lot of financial reporting, forecasting and general accounting)
-Division of Emerson Electric (aka: behemoth company)
-$41,200/year - little opportunity for raise or bonus
-Employer will consider paying for an MBA (with a 2 year payback period after)
-15 minute commute from current apartmentNew Job:
-Risk Analysis (figuring out consumer cost of credit for a boutique lender)
-Small boutique finance company that has recently been bought by a large hedge fund (more on this below)
-$58,000/year + profit sharing (Likely between 3-10% yearly)
-No tuition reimbursement for an MBA (small chance in the future, I was told not to bet on it)
-45 minute commute, would likely move to a new apartment for a shorter commuteMy concerns are as follows:1. I would be moving from a giant worldwide division of a bigger worldwide company to a small company that does business in about half the U.S. states. What are the benefits of being a bigger fish in a smaller pond, versus a minnow in an ocean?2. The company I work for is relatively stagnant with no major opportunities for market growth. The new job has internal projections of 20-40% growth and conservatively doubling in size in 5 years. Since it's a private company, I have no visibility into their operations through news sources, internet, etc.3. The MBA I am considering is around $30,000. Objectively, I can take the new job and pay for it in cash, have no payback period to anybody. On the other hand, $30,000 tax free (tuition reimbursement being tax free) is objectively a $35-40k raise over 4 years.4. Having little information about the new employer, it's hard to tell if they really are growing like they claim to be. That being said, they were just bought by a large private equity group (most FWF'ers would know the name) and that reassures me that those people don't make bad investments.5. I am currently in a very defined career path. People at my company who are in Finance stay in Finance until they either leave or die. The new job is a brand new position, they have no idea what the career path is and they are fine with me building my own whether that is building a department for myself or going into another part of the business.6. Obviously I am being offered a very healthy raise (and who couldn't use more cash?) but as it is, I have no debt, drive a paid off car with plenty of life left in it, and live a very comfortable lifestyle. What I really want is to make the smartest long term decision, what is $20,000 now versus hundreds of thousands one way or another later?7. I have a chronic health condition so medical insurance is very important. What are the best questions to ask to ensure that the health insurance at the new company is as good (or better) than my current insurance? It would be possible that with worse insurance I could be suddenly paying thousands more out of pocket.So, answer as few or as many as you want, I'll answer any question I can to give more detail.
Barbie I Can Be Art Teacher Doll Playset at Amazon was $20.99 now $12.59
Added on : Monday December 19th 2011 06:33:00 PM
LinkyEligible for Free Super Saver ShippingGirls can play out the role of art teacher
Barbie doll really paints with action lever in back
Use girl-size brush to paint free-form on Barbie doll's easel
Includes doll, easel with cold-water color change panels, cat Blissa, and lots of accessories
Code inside package unlocks access for additional career-themed content onlineGreat Christmas gift for barbie fans!
Barbie I Can Be Art Teacher Doll Playset at Amazon was $20.99 now $7.99
Added on : Monday December 19th 2011 03:39:56 PM
LinkyEligible for Free Super Saver ShippingGirls can play out the role of art teacher
Barbie doll really paints with action lever in back
Use girl-size brush to paint free-form on Barbie doll's easel
Includes doll, easel with cold-water color change panels, cat Blissa, and lots of accessories
Code inside package unlocks access for additional career-themed content onlineGreat Christmas gift for barbie fans!
Men's Warehouse BOGO everything Free Ground Shipping on any order
Added on : Sunday December 11th 2011 12:32:02 AM
WebsiteItems are going quick. Buy One Get One FreeBuy one item at its regular retail price, and get a second like item of equal or lesser value for free. EXCLUDES SHOES, UNDERGARMENTS, LAYAWAY, GIFT CENTER PURCHASES, SPECIAL ORDERS, EVERYDAY LOW PRICE PRODUCTS, CAREER APPAREL, ALTERATIONS, TUXEDO RENTALS OR THE FEES AND TAXES ASSOCIATED THERETO,OR GIFT CARDS. If the purchased item is returned, you must either return the free item or, if you intend to keep it, purchase the free item at it's current price. The free item can only be exchanged for a product that is of equal value.
Shoes are BOGO 50% Off.
Career Advice : Mid level Management
Added on : Saturday December 10th 2011 09:19:04 AM
I have been presented with a opportunity to move into a mid level management position in a fortune 500 company. I am currently working as a consultant in a different department with the same company for the past 5+ years. Good:
1.The benefits here are things I never had as a consultant.
2.Potential for job growth is immense.
3.I will be moving from a department with many IT experts to a department where I would be the most knowledgeable IT guy.
4.Although title is Project Manager, my role would be sr. developer/architect until the department builds up a team ( probably few years) Bad:
1.I'll most probably be taking a cut. From the inside info, it looks like a 20% cut but it is up for negotiation.
2.Different culture. Fear it would be too slow and might involve some red tape stuff that I never had to deal with.
3.Project Manager title which I fear would put me into a management position. Ideally I want to be called as a Solutions Architect.
4.I have been thinking of returning back to my country in 2013-2015 but am now presented with this. I want to be a Architect then and hence the title dilemma.Hiring manager is luring with me bonus (max of 15%), yearly raise (1-3%), benefits ( 401K match, pension, other benefits, day care etc) although some are truly realized only upon retirement (or at least 5 years of working there). Wife says we've lived with out benefits for many years, so why can't we live few more years until we return back to home country. Background Info: Early 30's with a toddler and expecting a child next year. Wife would take a break after next child (might look for work after 6 months of birth of child if stars align). Have built fair amount of RE back in home country.
Ideas/options for New Career for a High School Math Teacher
Added on : Friday December 09th 2011 03:06:24 PM
maybe this is a dumb thing to post but I wanted some other opinions on the subject. Here is a little background

I am currently a High school math teacher, I also bartend (was managing the bar until I started teaching 4 years ago) a few nights a week to subsidize my income and put away money to invest in real estate. I have one student rental duplex that I bought after selling 2 rental properties. It does well. I am looking for something more challenging than teaching. The public school system is broken. I do not think it will be fixed in the near future. I love working with the kids and will continue to do a big brother type mentoring. I need something more interesting and challenging though. I have worked on rehabbing houses doing much of the work and subbing out what I needed to time wise. I would love to get into running my own property management company and building up my own protfolio of rentals. So I am asking those in the business world what are some things a person with my skill set would be able to get into. I am extremely outgoing, have worked with challenged kids, have a strong analytical mind.
Any math degrees out there and what are you guys doing with it? I know this is a very personal choice but I wanted to see what some of the fine intelligent FWF members thought on the subject.
Thanks BenEDIT: I changed the title per a good suggestion. I also want to leave this open to any stories you all have of changing your career, and how you feel about the change
Ideas/options for New Career
Added on : Friday December 09th 2011 12:12:08 PM
maybe this is a dumb thing to post but I wanted some other opinions on the subject. Here is a little background

I am currently a High school math teacher, I also bartend (was managing the bar until I started teaching 4 years ago) a few nights a week to subsidize my income and put away money to invest in real estate. I have one student rental duplex that I bought after selling 2 rental properties. It does well. I am looking for something more challenging than teaching. The public school system is broken. I do not think it will be fixed in the near future. I love working with the kids and will continue to do a big brother type mentoring. I need something more interesting and challenging though. I have worked on rehabbing houses doing much of the work and subbing out what I needed to time wise. I would love to get into running my own property management company and building up my own protfolio of rentals. So I am asking those in the business world what are some things a person with my skill set would be able to get into. I am extremely outgoing, have worked with challenged kids, have a strong analytical mind.
Any math degrees out there and what are you guys doing with it? I know this is a very personal choice but I wanted to see what some of the fine intelligent FWF members thought on the subject.
Thanks Ben
DJ Hero 2 Party Bundle for wii $24.99 plus shipping at gamestop
Added on : Saturday November 26th 2011 06:26:17 PM
http://www.gamestop.com/wii/games/dj-hero-2-party-bundle/78056DJ Hero 2 Party BundleProduct Features:
TWO TURNTABLES* & MICROPHONE** Up to 2 DJs can mix, scratch, and sample on the acclaimed DJ Hero turntable controller, while a vocalist grabs a microphone and sings or raps along with on-screen lyrics.
DON'T STOP THE PARTY Party Play mode turns DJ Hero 2 into the ultimate party accessory. Let the game's incredible mixes play themselves and or jump in/jump out to take control and play along without ever stopping the music.
BATTLE YOUR FRIENDS All-new multiplayer modes redefine the DJ Hero experience. Innovative DJ Battles feature custom mixes and authentic back-and-forth DJ gameplay, and new modes including Accumulator, Checkpoints and Streakers let you prove who is the best DJ in the house.
PLAY HOW YOU WANT Change how the mix sounds each time you play with new Freestyle sections, which let you scratch, sample, and crossfade how you want. Never play a mix the same way twice.
THE BEST SOUNDTRACK GOT BETTER DJ Hero 2 one-ups its predecessor and mixes even hotter tracks from the biggest artists in pop, dance and hip hop including: Lady Gaga, Deadmau5, Kanye West, Chemical Brothers, Dr. Dre, Rihanna and more.
CREATE AN EMPIRE All-new Empire Mode sends players on a journey starting out as a lowly warehouse DJ on the road to becoming the head of a major music empire. Unlock new perks and rewards with each step on your career.
COMMUNICATE WITH HERO FEED Throw down the ultimate battle by challenging and tracking your friend's accomplishments, whether your friend is offline or online.$24.99 plus shippinghttp://www.gamestop.com/wii/games/dj-hero-2-party-bundle/78056
Career vs life, did I make the right choice?
Added on : Tuesday November 22nd 2011 12:08:26 AM
About a year ago, I had a great group of friends and a very supportive girlfriend. I'm 27 years old and a great job opportunity came up in another city far away. I decided to leave everything behind and pursue this dream job. I work a lot of hours and since then I have lost contact with most of my friends and ex-gf. Would I have been better off choosing personal life over career at this stage in my life? My old job was so-so and not what I wanted to do, but I had something great outside of work. Currently, the job is what I want to do and it can only be found in certain cities. I'm enjoying what I do but I have no outside life. I think I felt happier in the old city even though I didn't like the job much. Any advice?
University returning money for my pay increase to NIH
Added on : Friday November 18th 2011 12:06:54 PM
I'm a post-doc studying diabetes at a leading research institute. I secured my salary from NIH through a 3-year fellowship, during which each subsequent year it increased by about 4-5%. Well my University just notified me that due to a pay-freeze that was instituted for all faculty/staff, they will be returning the increase in my salary to NIH. How is this even legal? 100% of my salary and benefits is paid by NIH, yet the University has a say in what that amount is(?). I'm so aggravated right now and feel like my career is being crapped on. I'm sick of being a successful scientist, but still living on the financial leash of a grad-student. This is clearly a great strategy for retaining successful researchers.
need career advice from a financial POV
Added on : Sunday November 06th 2011 03:00:26 AM
Hi there, the advice isn't for me, its for my fiance. A bit of perspective, I've finished med school, now looking to clear my usmle and get a decent surgical residency. I have no debt thankfully. As for my fiance, she has a BA hons in dance and arts and cultural management and is/was a dancer. Due to an unfortunate injury, she won't be able to put so much stress on her knee anymore, thereby eliminating dance as a career. Now she's interested in event management so she can still be around dance/performing arts so she's looking @ going back to school to get either a bachelors in event management or perhaps a certificate course. Thankfully, money isn't exactly a problem for her either. Now, I was curious if anyone here had any advice as to which course/degree would be cost-effective (no point doing a certificate course if no one recognizes it). Any advice would be helpful. Thanks again!P.S. - sorry if the above rambles on or has typos, am typing this on my phone with limited time. Thanks again!
Business Merchant Services Resource
Added on : Friday November 04th 2011 09:00:58 PM
Alright guys. I highly doubt this is against the rules since I'm not benefiting anything off this post nor is it my business. I know many small businesses and large businesses including my own friends and family that has been deceptively had by Independent Resellers and even large services when it comes to credit card processing. Recently, after finishing up my EMBA, I started a new career at Chase Card Services as a Partnership Executive ( meaning I form partnerships such as Ihop, UPS, etc = the lowest of the lowest costs) but will be more than happy to help anyone in the fatwallet family with their issues. If anyone has a statement that they need read, or just flat out want to lower their effective cost on their monthly charges, you can call me at 214-849-3620 email me at Ronald.Wong@chasepaymentech.com or fax your statement to me at 214-849-4918. No I am not customer service so don't call me telling me about how Chase ripped you off or stuff like that because there are so many resellers out there that upcharge the heck outa Chase rates that I don't even want to get into it. And yes, I have a salary job. I'm expecting bashing anyways since thats what happens but those who take advantage of this resource will show the green so whatever.
Contrary to popular belief, newspapers will never be replaced by the Internet, because only a handful of millionaires can afford to buy a new computer every day. Stay informed without accumulating hundreds of obsolete laptops with todays Groupon: for $26, you get a one-year subscription to the Hartford Courant (a $184.60 value). The paper is delivered four days a week, ThursdaySunday to specific delivery areas only. Subscriptions are automatically activated upon providing your delivery information and phone number at checkout. The first paper is scheduled for delivery on October 27, 2011. This offer is not valid for renewals.Founded even before the country was, the Hartford Courant stands as one of Connecticut's most popular news sources. Presenting in-depth local news, the papers savvy correspondents report on the state's economic, political, community, and cultural life. The Live Smart section doles out tips on healthy living and money-saving ideas, from hiking tips to finding the breed of piggy bank thats right for you. Readers also get advance notice of upcoming events, concerts, and shows, as well as dedicated food, travel, auto, classifieds, and sports sections. Editions come stuffed with discount circulars, and Sunday issues include a bundle of coupons ensuring price cuts for the budget conscious and career options for refrigerator magnets.Though the "Hartford Courant" features a discounted price online, this Groupon still offers the best deal available.http://www.groupon.com/deals/courant?utm_medium=
Limit 1 per person, may buy multiple as gifts. Limit 1 per order. Valid only for new customers or households who have not subscribed in the last 30 days. Subscription expires 1 year from first paper received on 10/27/11. Delivery address and phone number required for each recipient. Address provided at checkout must match customer receiving paper. Subject to delivery area.
See the rules that apply to all deals.
Got first full time job - how do I set up my financial future?
Added on : Sunday October 16th 2011 03:00:06 PM
A few months ago I started at my first ever full-time job, so this is the first time in my life I've ever had any money left over to save.
The bad news is that it took me two years after graduation to find this full time job (which pays a bit less than $40k), and because of it, I lost 2 years of income. I'm starting life very late in the post-college game and have a negative net worth to the tune of about -$20k (my savings minus outstanding student loan debt).Because I'm playing catch up, I live with my parents, which allows me to shave my total living expenses down to a mere $300 a month. So I have about $2k left after taxes that I can do whatever I like with.Currently, my total $2.4k/month after-tax paycheck is divided up like this:
* 5% to a company-matched 401k
* 20% into emergency fund in a high-yield online savings account (though "high yield" is only 1% these days)
* 45% into student loan payments (I want to have this gone in 3 years)
* 13% into day-to-day living expenses (food, clothes, etc)
* 17% of my income left over for ???? .... this is where I'd like you guys to help suggest where to put it!Any suggestions? I turn 25 in a few weeks and feel really behind on my finances compared to my peers and want to get back in the game. If you know of any bits of investment/savings/life advice that make you go "I wish I'd known THAT when I was 25!", please share them! I think my income is too low, so I also need a game plan for boosting that. I made the mistake of majoring business instead of a science, so I am hoping that enrolling in an MBA program (goal: top 20 school) in 3 years will save me and get me on a real career path. That said, any MBA-related advice would also be appreciated. I'm wondering if it's realistic to expect that an MBA will launch me from my barely-$40k-nobody job to one that pays around double. I plan to have my undergraduate debt FINALLY paid off right as it's time to enter the MBA program, so this time I want to make sure my investment in school debt is going to pay off BEFORE I go diving in.Thanks in advance! I see a lot of amazing advice on this forum so I hope some of that wisdom will rub off on me. :]
Yet Another "Walking Away" thread
Added on : Friday October 14th 2011 06:00:17 PM
All,The facts are these:
100% Disabled (per SS standards), 65 Year old mother-in-law (Widow)
INCOME: Current income of $4800/month tax free.
November 1, income permanently decreases to 1,100 per month tax free (SS + Disability combined)
November 1, one-time lump-sum payment of $7,500 will be received (tax free)Her DEBTS
--Her home is approximately $40k under water, but she is not on the primary mortgage. She *is* on the hook for a $14k
HEL. She is in a recourse state, but again she is not liable on the primary mortgage.
--Car loan $225/month, roughly 8k balance, unsure of insurance costs.
--Current carrying cost on the house is approximately $2200 per month ($1550 primary mortgage payment, HEL payment, utilities). She stopped paying
the primary mortgage last month. She's still paying the HEL as she is personally liable. There is no way for her to remain
there without my wife and I footing the bill for everything above $1100 per month [not a possibility at this point in career].
- No CC debtNO liquid assets.
We plan to move her out here, and to eventually get her into low-income housing (could take more than a year due to wait lists). Until then, we will pay for all expenses in excess of her income. Living with us is not an option, nor will it ever be.
Questions: How does one go about "handing over the keys" when walking away from one's house?
When she defaults on the Home Equity Loan, her credit will be trashed, but what does it really matter? Kentucky Property taxes: She owes approximately $1,800 at the end of this year. Does anyone know if SS/Disability can be garnished for failure to pay property taxes? (My understanding is that typically only child support and federal tax liens can garnish these protected funds.
I'm sorry this is a slightly disjointed thread. This was sprung upon us and has thrown me for a loop.Any suggestions/advice would be greatly appreciated.ZeeOhhSix
I'm a 32 year old engineer with an advanced degree working in Silicon Valley tech. I have a high paying job ($160-180k) that I don't like. I'm a people person and a car nut. I would rather sell cars. I tried to do this part time for a few months (moonlighting) but the money is simply not there. I probably made $5000 is three months, much lesser after expenses. I know if I quit my job tomorrow and start in the car business, it will take me at least 7-10 years to get to my current income. What should I do? My current employer will not allow me to move to sales. They have hired me for my technical expertise. How can I enjoy what I'm doing, and also make decent coin? Any ideas?
http://www.mass.gov/?pageID=cagopressrelease&L=1&L0=Home&sid=Cag...
This guy has been ripping patients off. I understand there is shortage of primary care physicians, but this guy has most of his staff if not entirely composed of RNs and PAs. I dont hold anything against them IF they know what they are doing. I am myself studying medicine, and 9/10 times I knew more than the RN or PA that was attending me. I only had to visit office to get vaccinations, flu shots etc but even then, im sure just like an average person, I was confused "why are they making me pee in a cup every single time ???" I had worked in a clinical lab before starting med school. A few years ago... the cost to run a regular Urine Dipstick test was soemthing like $0.36 cents and the insurance would get charged $35-$40 at minimum. That was hospital rate where I worked. Sure would be different in diff. states, hospitals and doctors offices. Im surprised over 30 years, having 29 practices in the state of Mass. this guy is being charged for ONLY $500K worth of fraud ? I can guarantee its alot alot more than that. I personally feel that small businesses are driving engine of our economy. But in the past few years, small businesses have been taking advantage of hard working americans and not paying them fairly. Making people work overtime (esp. salaried staff) under the fear of "Bad Economy", loosing jobs, etc. Sure things are bad, but even then small business owners have been making $$$. (not all... but I have seen numerous examples). Though this guys 29 practices are not necessarily Small Business.... but something on the same lines. Hiring few doctors, never being himself available.... and trashing people's health. Some sites have even said that he was treating some patients addiction only to start/give them a new one with the treating med.
Rant over !Now the jist of the story... I have changed my primary care doctor now. However, since all his offices are closed, I cant seem to find a way to get my medical records from his office to my new doctor. This is very aggrevating now.... I have called Board of Medicine in Mass. and they have said that "They dont keep records". I dont know what to do..... any suggestions ??? Another link to enjoy... http://www.wwlp.com/dpp/news/i_team/Doctor-charged-with-medicaid...
Career in "Trading" at big banks
Added on : Thursday October 06th 2011 09:00:08 PM
What are your thoughts on this career path for someone young and ambitious?I hate my job in IT and have a friend who can help me get onto a trading desk at his firm. Is it too unstable? Is it a worthwhile career path?What's more important is that I feel like I will enjoy the work and trying to learn as much as I can because I have an interest in the market that I will be trading in.
This set normally goes for around $185, so it's a good price (w/free shipping) and you can send in for a $10 Rebate, which makes it an even better deal.  Start your carving career right with this complete beginner's set. It includes artisan-quality, razor sharp tools for palm, mallet and knife carving, plus maintenance gear and a how-to DVD. Everything including two handles, 16 interchangeable blades and an all-purpose cutting knife comes in an attractive wood storage box for easy organization. This complete set includes a wooden quick-connect power handle, an ABS quick-connect handle, a cutting knife with a contoured ash handle, Flexcut's SlipStrop and Gold Compound for sharpening, the "Relief Carving in a Different Light" DVD, and the following 16 blades: #1 Chisel (5/8")
#2 Skew (9/16")
#3 Gouge (1/4")
#3 Gouge (7/8")
#5 Gouge (1/8")
#6 Gouge (1/2")
#8 Gouge (1/4")
#8 Gouge (3/8")
#8 Gouge (11/16")
#9 Gouge (9/16")
#11 Gouge (1/16")
#11X Thumbnail Gouge (3/16")
#11X Thumbnail Gouge (1/2")
45 V-Tool (5/32")
70 V-Tool (3/8")
Back Bend Gouge (7/8")
Tips for New Grads looking to Enter Workforce
Added on : Friday September 30th 2011 06:00:05 AM
Do the older, seasoned FWFers have any tips and advice for those fresh out of college or grad school looking to make an honest living?There are two important things that need to be done by a person in that situation:1. Finding a good job (decent pay, good work-life balance, reduced likelihood of burnout)2. Keeping that good job (not being layed off, fired, being replaced by technology, losing govt job due to budget cuts)
A lot of employers are simply not hiring much, and a lot who are hiring seem to be offering a lot of temp and contractor jobs
instead of full time jobs with benefits. Any advice on getting a full time job with benefits or are young people supposed to make
do with what's offered and wait a few years to get a better job? (this is for people with either a college or master's degree in
a variety of field, no one specific major necessarily) How can you stand out from the rest? So many people are applying, it's going to be
tough to be picked out of 200 or 500 applicants. What do employers seek the most? Confidence, good degrees, language skills? If the person is fortunate enough to find a good job that pays well, how can he or she increase the chances of keeping that job?
I've also read that you should rent instead of buying a house, and that if you buy a house you should only do so if you know you're
going to live there at least 5 years. I think that makes sense, it wouldn't be wise to buy a house and then have to move out just 2 or
3 years later. But how can you really control that? The company might send you to a different location in another city, or simply layoff
a lot of people. I've also seen well qualified, senior level employees who move around a lot, switching positions and locations
every 3 or 4 years. It seems the job market is very fluid and a lot of people are not sticking to one job or location for too long.
Finally, how realistic is it to start your own business and be your own employer, like having a home business?
Or else working for someone else but doing a lot of "telecommuting" where you do 90 percent of your work at home on the computer
and do a lot of phone calling and teleconferences? I think jobs that can be done in your pajamas in a comfy home office or at the beach
via internet and phone have a lot of appeal, but are rare to find. I know a few people who are able to do that, but not many. They still
work long hours and have to be on the ball, but at least they can do so from a mountain resort, living room, home office, instead of a little cubicle or hectic office
wearing a necktie and suit jacket. The work might be intense but the environment would be calm and relaxing.I do think that the age of Twitter, Facebook, LinkedIn, eBay, smartphones, telecommuting has brought in new employment styles and opportunities,
but how likely is it for someone to make a consistent monthly income from that? You can network much more easily and
reach potential clients or employers much more easily in the digital age, but how can you translate that into a consistent,
well paid job or business?I hope this starts a good discussion on a very important topic. All human beings need food, lodging, decent health care,
clothes, and a way to advance in life. For those of use who don't have a trust fund or an uncle who's chairman of the board, we're going to have to find a decent job to survive. I'm also looking forward to reading the 2011 edition of the yearly Career Thoughts and Compensation Thread Good info there as well.
Free Pizza at Dominos
Added on : Monday September 26th 2011 12:01:21 AM
use code: EBCS and SWEETCAREER together and get TWO orders of Cinna-Styx for FREE! Purchase Not necessary. Enter the codes online at the COUPONS area of the Dominos web site (it takes up to two codes), then go and pick up your order.
3 FREE ORDERS OF DOMINOS CINNASTIX! Carryout only!!
Added on : Sunday September 25th 2011 06:02:32 PM
Here's what you do:1 - Go to Dominos.com2 - Click on 'coupons'3. Put in your address, click carryout. 4. click on 'Enter code' 5. Enter the codes "ZZZ1", "EBCS", and "SWEETCAREER." 6. You get your 3 FREE cinnastix, order, and then pick up some delicious fattening foods!
--------------
UPDATE: If you have used a code before, this may not work. Codes are attached to your home address. You can change the address to one in your area, which really won't make a difference because you're carrying it out, but you can use all 3!
Tons of Free Dominoes Food and some hot deal codes
Added on : Sunday September 25th 2011 06:02:25 PM
Tons of Free Dominoes Food!
Since I saw the other Dominoes thread only list the Cinnamon Sticks... Here is the full list: Free Artisan Pizza (HOT!)
https://www.facebook.com/Dominos?sk=app_220192758037547FREE Chocolate Lava Cake (YMMV, says expired on August 31st, but I used it yesterday!)-ZZZ2
-EB11LCC (delivery only!)
FREE if you Buy Something!FREE Pasta with the purchase of a Large Pizza at menu price
Use Dominos Coupon Code EBEBPBB Any 2 for $5.99 each: Med 2-Top Pizza, 8-pc Boneless Chicken or 8-pc Wings
Use Dominos Coupon Code TF6QR6 Free Oven Baked Sandwich with order of a Large Pizza at menu price
Use Dominos Coupon Code EBFS or EBEBPS or SANDWICH 2 Medium 2-Topping Pizzas for $5.99 each
Use Dominos Coupon 9151 or MDD8KGet 2 Large 2-topping pizzas for only $7.99 each
Use Dominos Coupon Code 9177 $5.99 for 8pc Bone-In New Chicken
Use Dominos Coupon Code 9168 8 piece Chicken for $5.99
Use Dominos Coupon EM8PIECE or TZ5JV4 14 Piece Chicken for $9.99
Use Dominos Coupon EM14PIECEChoice between 14 piece boneless or wing chicken for 9.99
Use Dominos Coupon TF2CQ8 $11.99 Any Large Specialty Pizza
Use Dominos Coupon 9175Get any large Specialty Pizza for $11.99 and add Medium 1-Top Pizzas for $5 each
Use Dominos Coupon TK6DS8 10" 2 Pizza (up to 10 toppings), Pasta, or Sandwich for $5 each before 2pm
* Use Dominos Coupons HPN72
* Carryout only.Free large pizza with purchase of any large pizza of equal or greater value
Use Dominos Coupons EBFP or EBE-FPP or ACCESS or EBEBPPCinna-Stix (credit goes to livelovelaugh03)
-SWEETCAREER
-ZZZ1
-EBCS
Thanks amoghthegamer / sd
Should I Quit Law School?
Added on : Monday September 19th 2011 12:00:13 AM
Background Information:-undergraduate degree was in finance (in top 10)
-currently attending law school (in top 14)
-no work experienceI'm going through a dilemma right now where I am wondering if I should quit law school and get a job instead. Before entering law school, I thought that I would be an ideal candidate for a career as a lawyer. Since then, I've come to realize that I have little to no interest in studying the law. I feel that I am doing nothing but arguing semantics in my classes.This would not be an issue if it weren't for the fact that tuition at law schools is very expensive. I'm essentially paying for most of my expenses with student loans, and I am conservatively estimating that I will end up with around $130-150 thousand in debt if I choose to stay. Taking that amount of loans would not be a problem if a job was guaranteed after graduation, but the job market for lawyers seems to be bleak right now except for the top graduates. In looking at the salary statistics of various law schools, I've noticed that salaries have dropped dramatically since the peak of around 2007.My other problem is that I have no work experience or significant internships. While it seems foolish in hindsight, I didn't bother to pursue internships that would have helped me to land offers because I had my sight set on law school. What would be the best way to explain my situation to prospective employers? Also, what would be the best way to find a job at this point - should I try to network with alumni, post my resume on a company's job postings, or do all of the above? My final option is to stay in law school, but I strongly feel that I should assume this semester's loans to be a sunk cost and move on. To those reading this, what do you feel I should do at this point?Any input or advice would be greatly appreciated.
DJ Hero 2 (Nintendo Wii, Turntable Bundle) $13.12
Added on : Sunday September 18th 2011 12:08:14 PM
http://www.amazon.com/exec/obidos/ASIN/B003QOWQYUFree Shipping with Amazon Prime for Students or Parents and Caregivers or free shipping on $25 (Amazon Free Shipping Fillers).
Amazon coupons
Tax in KS, KY, ND, NY, WA.  The best soundtrack got even better: DJ Hero 2 one-ups its predecessor and mixes even hotter tracks from the biggest artists in pop, dance and hip hop including: Lady Gaga, Deadmau5, Kanye West, Chemical Brothers, Dr. Dre, Rihanna and more.
Play how you want: Change how the mix sounds each time you play with new Freestyle sections, which let you scratch, sample, and crossfade the way you want. Never play a mix the same way twice.
All-new Empire Mode sends players on a journey starting out as a lowly warehouse DJ on the road to becoming the head of a major music empire. Unlock new perks and rewards with each step in your career.
All-new multiplayer modes redefine the DJ Hero experience. Innovative DJ Battles feature custom mixes and authentic back-and-forth DJ gameplay. New multiplayer modes including Accumulator, Checkpoints and Streakers.
Don?t stop the party: Party Play mode turns DJ Hero 2 into the ultimate party accessory. Let the games incredible mixes play themselves and or jump- in/jump- out to take control and play along without ever stopping the music
Modern Combat Domination
http://itunes.apple.com/us/app/modern-combat-domination/id425721... (normally 12.99, now 0.99)
Description for Modern Combat: Domination
PLEASE CHECK SYSTEM REQUIREMENTS PRIOR TO PURCHASE
This game is not supported by iMac and MacBook Pro devices equipped with the following video cards:
Radeon X1600
Intel GMA 950
Discover an innovative and competitive FPS thats unique to next-gen consoles. With its mission-driven gameplay emphasising teamwork and skill, Modern Combat: Domination is a multiplayer shooter that delivers instant fun and realism and is designed to provide a constant challenge. Square off in 16-player battles in 6 different modes including classics like Capture the Flag and never-before-seen modes like Extraction or Escort. Rise through the ranks by completing missions and eliminating adversaries so you can unlock new equipment and improve your ability to rule the leaderboards! The precise gameplay of Modern Combat: Domination provides an astounding combat immersion. For an amazingly low price, you can discover a full-featured, high-tension FPS that provides addictive fun and memorable team moments.Available in English, French, German, Spanish, Italian and Japanese. System requirements:
OSX: 10.6.6
Memory: 2 GB [4 GB recommended]
CPU: Intel Core 2 Duo with 1.86 GHz [Intel Core i3 with 3 GHz recommended]
HDD: 2 GB of free space [10 GB recommended]
Video Chipset: NVIDIA GeForce 9400 (256 MB) - No Support for Intel integrated graphic chipset [ATI Radeon HD 4670 (256 MB) recommended]
Online: Ethernet or Wi-Fi
Support for analog USB gamepad [Dual stick and 10-button gamepad recommended] Lets Golf 2
http://itunes.apple.com/us/app/lets-golf!-2/id413638111?mt=12&ig... (normally 4.99, now 0.99)
Looking for a faster, more colorful and fun golf experience? Then this newest edition of the popular Lets Golf series is just the thing you need for the most exciting golf adventure youll ever find!- Select from 8 fun 3D characters that you can customize with unlocked caps, clothes and golf balls.
- Watch your character gain experience with each game & unleash special powers like rewinding time.
- Play 108 holes in 6 far-out spots like an Aztec Jungle, a winter wonderland in Greenland & a wild African Safari.
- See how you rate against the world with the online leaderboard, or challenge friends in multiplayer.
- Take on the new Career mode or just have fun with a variety of new challenges. Fast Five
http://itunes.apple.com/us/app/fast-five-movie-official-game/id4... (normally 6.99, now 0.99) 
PLEASE CHECK SYSTEM REQUIREMENTS PRIOR TO PURCHASE
This game is not supported by iMac and MacBook Pro devices equipped with the following video cards:
Radeon X1600
Intel GMA 950.With its action-movie influence, Fast Five The Movie: Official Game is Gameloft's best racing game yet. (Slide To Play)
Who'd have thought a movie game would be this good? (Games Radar)
---------------------------------------------The explosive franchise built on speed is back with Fast Five, and this model comes fully loaded! Play as Brian O'Conner on the wrong side of the law and assemble an elite team of top racers. Get behind the wheel of your dream car to battle opponents in the ultimate high-stakes racing game that follows the movie storyline.THE OFFICIAL GAME OF THE MOVIE
- Escape hard-nosed federal agent Luke Hobbs by tearing up the streets of Rio de Janeiro, the Dominican Republic, Hong Kong and more!
- Get behind the wheel of famous cars from the film, including the latest Dodge Challenger 2011 and Dodge Charger 2011THE MOST SPECTACULAR RACING EXPERIENCE
- Discover the unbelievable Rewind Time feature and get a second chance at taking a nasty corner or avoiding a pile-up.
- Devastating events during the races: elements of the environment will collapse or explode, changing the track and creating new obstacles!
- Impressive realization with fluid animation - even during high-speed boosts - and real-time reflection of the roadside on your car.DOMINATE THE UNDERGROUND STREET RACING SCENE
- Intense Multiplayer mode: share the action with your friends or go online in races for up to 10 players!
- Tune and customize your vehicle with tons of options like decals, rims, boosts and much more!
- Hours of high-speed driving entertainment with racing events ranging from Drift Contests to Survivor Mode NOVA 2 Near Orbit Vanguard
http://itunes.apple.com/us/app/n.o.v.a.-2-near-orbit-vanguard/id... (normally 6.99, now 0.99) 
PLEASE CHECK SYSTEM REQUIREMENTS PRIOR TO PURCHASE
This game is not supported by iMac and MacBook Pro devices equipped with the following video cards:
Radeon X1600
Intel GMA 950
Step into the ultimate sci-fi FPS!IGN - 8.5/10 + Editor's Choice: "a stunning shooter that should not be missed."
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---------------------------------------------6 years have passed since the events depicted in the first episode.
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Recent Finance Grad
Added on : Sunday August 28th 2011 12:00:02 AM
I recently graduated from a private university in Chicago with a Bachelors degree in Finance. Classes I've taken during college included options, portfolio management and financial institutions. My college career services are poor, many of the jobs they post and say are only listed for our school are also listed at other schools such as Notre Dame. I've applied for over 50 jobs. Does anyone have any advice on the job front? I had a clerk job with the Department of Justice for the last two years of college, I was granted a Top Secret Clearance. I've applied for many government jobs, nothing! FY2011 was tight and FY2012 is much tighter, government jobs aren't working unless your a veteran or a disabled veteran, I'm neither. I've also applied at a couple of trading companies as a clerk, which has gotten me no responses. Other places I've tried are Walgreen's corporate headquarters, Federal Reserve of Chicago and Farmers. I plan to call Menards and Cabelas this week too avoid an employment gap, not sure which one pays more but I don't want to ask and risk not getting the job. Most of the emails I get are from CDW, Primerica and Northwestern mutual. I trade as much as $10,000 in stocks and have done pretty good, I also do many bank bonuses from ibankdesign.
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Added on : Tuesday August 16th 2011 12:06:55 AM
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FWF Job & Career Advice needed (or resources to help)
Added on : Friday August 05th 2011 03:00:10 PM
Hello, I am a long time FW poster, created a new screen name to help preserve confidentiality. I am looking for career advice and while I know this comes up from time to time, hopefully my situation is wortjy of some fresh advice. When I break it down to the bottom line, I believe I am motived my a salary more than anythong else. At the same time, I believe I have been underemployed for the past 5 years or so. As I tell my wife, I am not concerned with titles or status - I'd gladly sweep floors or take out garbage if the job paid right (Yes, I am aware some make good wages in these occupations).I'm in my 30's, my current salary is mid 50s, I have a Master's in Psychology (no name state school) which I regret achieving as it has not done much to enhance my marketabiloty. I feel no further ahead of the job game as I did 10 years ago.I don't think I'm a bad worker, and I consider myself intelligent and bright. At the same time, I feel tired of working for 'the man', and get bored often. I've often am frustrated by my assignments and while I keep comments to myself, it's becoming harder and harder to do. I feel a ship is sinking and no one wants to listen to my ideas.A dream of mine is to run my own business, I do have many hobbies and I am fairly well versed on the internet. This probably sounds like the classic 'grass is always greener thought' but I'm seeking input, advice, stories, etc. on my best options. I've researched at the bookstore, and those 'Entrepreneur' magazines make it sound as easy as plunking down a franchise fee (which I don't have) and getting a credit card machine.So FW, any tips, websites to research, etc. for me to consider? I should add the frustration I experience daily with my career is also having a profoundly negative effect on my 10 year marriage.
Problems getting paid when doing engineering work! HELP...
Added on : Wednesday August 03rd 2011 03:00:08 AM
So I am looking for insight from anyone in a services career field. I have a friend that has been working as a self-employed structural engineer for a couple years now and is having problems getting paid after he finishes up jobs. I recommended accepting credit cards or taking deposits prior to starting the work, but he seemed to think that no one operated like that and everyone paid by check after the work was done. He doesn't have a secretary so eventually everything just piles up and invoices never get paid. Taking people too court would be another option, but it would take lots of time and money. Calls do go out but its basically a crapshoot on who pays. He isn't doing work for sketch people either, its people that are well off with money like lawyers, restaurant owners, etc...I would like too help him out with a good plan going forward that basically ensures, before he does any work, he is gonna lock in payment or a way to get paid in case someone disappears.
Career - Changing industries? (banking v healthcare)
Added on : Thursday July 21st 2011 12:00:23 AM
I'm a regular here, but thought I would create a new account just in case....Long story short, I'm ready for a change with my job. I'm in my earlys 30s, but have advanced pretty well so far. I'm currently in Banking (finance), but thinking about switching to healthcare finance. I know there's no golden egg, but it seems like a fairly stable route/industry. I'm not opposed to staying in banking, but I'm afraid I'm already hitting my ceiling (I've been pretty bored for a while and was told at my last evaluation I've pretty much peaked in my current role (both $$ & rank). With that said I do I have a good stable job and I'm not about to throw it away....also by my guess I'm probably ~20% overpaid based upon my skillset/experience. ( I have been very forunate with good bosses and I've performed well.) My role has been evolving over the last 12-18 months. I used to like 80% and hate 20%, but its more like hate 80%, like 20%. I know this may sound like just whining/moaning to a lot of people and that I'm just being ungratful, but I'm not. I'm really humbled by how much I have been blessed careerwise...however if I can something I enjoy more and it has a better long term outlook I'd gladly give up $$ if need be.
With that said anyone have any tips on jumping industries or tips on how to re-invigorate yourself when you're unsatisfied in a role? I'm not going to jump ship just for the sake of jumping ship, but I also don't want to reach my career "peak" before 35 either.
Refi from 30 to 20 yr with lower payment? Too good to be true?
Added on : Tuesday July 12th 2011 06:00:06 PM
I was checking out the credit karma site, and for kicks took a look at their refinance options. The numbers seem too good to be true, so I'm trying to be very careful here.My situation: Income: 40,000/yr + renting a room for 6000/yr
Career: High school physics teacher (extremely stable job)
Expenses: Minimal. Single, saving about $8000 per year. Current mortgage
[30 year fixed]Home value: approx 155,000
FHA loan (BofA) 158,500
Principal remaining 154,800 (18 months of payments)
Principal & interest monthly 826
Escrow payment 210 <--- 70 of this is MIP
Interest rate 4.75%The offer I'm considering (according to creditkarma.com)
[20 year fixed]QuickenLoans
Interest rate 4.375
Monthly payment 972
Fees 1553Notes:*I searched to see if I can refi a FHA loan, and what I've found so far says it's valid so long as the new monthly payment is lower than the current one.
*I have 20,000 in liquid emergency fund
*Made the minimum FHA down payment because I bought the home right out of college (plan A was to save 20%, but with low prices when the homebuyer credit was set to expire, I gambled on it being extended).
*My credit score has improved quite a bit since I bought the home (730's to 770's)Questions: Can I really pay off my mortgage 8 years sooner with a LOWER monthly payment, or am I missing something?Can/should I trust creditkarma/quickenloans?With my current monthly payments, MIP isn't set to expire for another 8 years I believe. (Not even eligible for eliminating it in the first 5 years of the loan I think). Am I right to think that a 20 year will be advantageous toward getting rid of the PMI to come in a more timely fashion, with more money going toward principal?**Thanks in advance for any help. I've gained so much already just from reading other questions on this site a few hours a week (although I haven't found anything on this particular question yet).
Advice needed: New job & stock options, etc.
Added on : Monday July 11th 2011 09:00:05 PM
Hello all,I would like to know what I should do to get the best out of my upcoming opportunity. My uncle just started a software company couple months ago and the company currently worth about 100 million dollars(10% stock given to investors and received $10M). Investors, lawyers, and his board members think this company will grow 10 to 30 times within the next 4-5 years. In about a month, this company will start hiring developers and other employees and my uncle wants to me to come and help him operating his company (I currently work at one of the largest IT consulting firms as a technical lead). I see this as a great opportunity career-wise and financially for me.What should I ask my uncle for my compensation to get the best out of this and not be so greedy at the same time? Best thing would be for him to just give me ~5% of the company stock (out of more than 50% that he owns) but I don't think that will be the case(fingers crossed).There might be some unrealistic parts in my writing and I might sound too optimistic as I am not writing the full descriptions about the company. Please focus on the question.Thank you very much in advance!
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Ignited: Managers! Light Up Your Company and Career for More Power More Purpose and More Success by Vince Thompson
Link
Was $23.99Business and Competitive Analysis Methods by Craig S. Fleisher & Babette E. Bensoussan
Link
Was $71.99The Truth About Perfecting Your Presentation Skills (Collection) by Michael Solomon, James O'Rourke, Natalie Canavor, & Claire Meirowitz
Link
Was $39.99How to Make Money Marketing Your Business on LinkedIn by Jamie Turner
Link
Was $4.99
For more Kindle freebies, see Official Thread
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Manufacturer: Mill Creek Entertainment
Model: John Wayne The Ultimate Collection Features Include:4 DVDs
Disc 1 Blue Steel, The Dawn Rider, The Desert Trail, The Lawless Frontier, The Lucky Texan, The Man From Utah, The Star Packer, The Trail Beyond
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Disc 3 Randy Rides Alone, West of the Divide, Angel and the Badman, McLintock, The American West of John Ford
Disc 4 Shadow of the Eagle, The Hurricane Express, Desert Command, His Private Secretary
Bonus 80 minutes of John Wayne movie trailers spanning his career
Run Time: 1645 minutes
Career Advice
Added on : Saturday June 25th 2011 12:00:10 PM
I've seen good advice for the most off topic things here at FW, and I was hoping that I could get in on some of it.I graduated college in July of 2010 with a Business Finance degree. After I graduated I got a job as an In-store Banker at a major bank in a remote town in Oregon, which I am currently still employed with. I was hoping that I could work my way into a more professional position using this as an entryway. To make a long story short it hasn't worked out that way. I'm still in the same branch, and am no closer to getting a real job that I want than I was when I graduated last year. My career choice is one as a Financial Analyst, specifically Portfolio Management. IE Working for a mutual fund would be awesome. I took the CFA level I in June, but I wasn't able to join a study group because they're none around my area, and am unsure if I will pass. Grad school is not out of the question, but I will not go until my current student loans are paid off. (I have about 5 years left at the current rate that were going. We have $17,100.08 left.) My college GPA was about 2.9 and is not very competitive during these times. The reason that I want to be a financial analyst is that I am amazing with numbers, specifically in excel. I can have an excel sheet pump out numbers like you wouldn't believe, and can even do VBA programming in them. My internship was at a venture capital company as a Junior Analyst, so I am not without experience. I'm willing to move the family just about anywhere for a decent job.I hate my current position and am in need of a new job, but I am not willing to go jobless and collect unemployment for many reasons. I want to, and like to work, and work hard.I'm currently making $27,000 a year before taxes and FW deal income with a family of 4. I don't want to go into our expense because I follow the other great advice from finances on the other forums. I'm more interested in how to increase my income to provide a better life for my family.There are a couple things I'm trying to figure out, they are:
1 Should I pay for premium recruiting services to help me find a job? I've heard good things about things like Linked In Job-seeker accounts, and resume writers like https://secure.chapmanservices.com/. But $325 for a resume that may or may not help with my low income is questionable.2 Should I get a second job? I really don't want a second job, but am seriously considering it. I really enjoy spending the time with my kids when I get home. PS Wife getting a job is out of the question for personal reasons. My in-store banking hours really suck and I would really need to get a night job like at a gas station that would leave me completely beat all the time. I'm considering doing some stock trading models to see if I can make some money on technical trading analysis.3 Should I change my career choice away from financial analysis? It's not unreasonable to say to me with my low GPA I am a beggar and not a chooser of my career.4 Should I just keep my current job and not rock the boat? Though I'm fairly miserable with the job we are getting by OK. We are certainly staying afloat with our current income. I absolutely am not willing to quit without a new job lined up.Thanks
FMLA returning part time after pregnancy
Added on : Saturday June 18th 2011 03:00:05 PM
My wife and I are expecting our first child in November. She is an RN with > 5 years with her current company. She has decided that she would like to return to work part-time after the child is born. I think I have a decent understanding of FMLA and the basic policies related to maternity leave through her employer.It is my understanding that since she is working full-time now, her employer is only required to give her a total of 12 weeks of unpaid leave in any fashion she decides to take it. In other words, she can just take 12 weeks off or she could take the 12 weeks off by using 2 days per week as unpaid leave. However, her desire is to work part-time beyond the 12 weeks which my understanding is that they are not in any way required to give her a part-time position...only allow her to return to her current position, pay, etc. Her employer is supposedly in the process of hiring some "help" for her position (another RN that would help in this position as well as rotate to other areas of the lab as needed).What is the best way to approach this with her employer? She has a good working relationship with her direct manager. Should she bring up her desire to her employer right away so that they may try to accommodate her wishes? The thought being that November is a long ways away, they would have time to hire additional help and have her appropriately train the help.Financially we are in a position to have her not work at all, but that isn't what she wants to do. She enjoys her work and feels that she could miss out on long-term career growth by taking an extended amount of time off.
Company Threatening Legal Action - Feedback Requested
Added on : Friday June 17th 2011 03:00:07 PM
My company send me and my wife (we don't have kids) on an Expat assignment to India. The duration of the assignment was fixed at 3 years. The package they offered was not as exciting. Future career prospective was the only reason for accepting the assignment.
The company provided the following allowances/money for the move to the foreign location:
* Temporary living allowance - Lumpsum paid before leaving to foreign location. This money was supposed to cover for my hotel/car/food while my stuff was being moved to the foreign location for a total of 60 days since this was a move to a different continent. The amount of lumpsum would have covered only 18days of stay if a regular business trip was taken. I don't know how they expected us to manage in that money for 60days.
* Relocation allowance - Lumpsum paid before leaving to the new location to setup a new household.
* Car allowance - The company policy did not allow me to move my vehicles with me to the new location. $1800 per vehicle was paid to take care of/sell vehicles. For quick sale I lowered the price on my vehicles. So I lost money in the process.We had to sell our vehicles since the company did not move our vehicles to the new location. Also, we had to sell a lot of household items/small appliance/electronics/gadgets at garage sale prices because they would not have worked in the foreign location. After our vehicles got sold and our household items were packed we were not able to stay in the house in the same manner as we used to. So we spend most of the temporary living allowance towards these expenses. We had arranged an apartment in India through the company to move into as soon as we landed in India. We were told by the company that the apartment was ready for us to move-in, but when we landed we found out that the apartment was not ready and needed work done (we have pictures). So we ended up spending more money staying in hotels in India and my wife went through a very tough time. Her health also got worse by eating out and moving hotel to hotel (as per the company HR request).After the first week at new location the company told me that they do not see a business need for the assignment and asked me to come back to the US. My previous position was filled by someone else and they told me that I would have to take a lower position with a pay cut. I was completely stunned by this. I was not even involved in the discussion about canceling the assignment. So this came as a very rude surprise to me. Due to these circumstances I decided to move to another company. I came back to the US and first day I reported back I let the company know that I am moving to another company.Now the company wants all the money/allowances back as if there was no assignment and disregarding all the trouble that I went through. They have also withheld my last paycheck and are threatening legal action if I do not repay the allowances that I used.
Please let me know what action can I take to make the company pay for all the trouble that my family went through and for all the money we spend in making the move oversea's and back.Thanks in advance for your feedback.
Management or sales? Pros/cons to each?
Added on : Tuesday June 14th 2011 09:00:11 AM
I'm at a crossroads once again with my career path. As some of you may remember I graduated college as a graphic designer and worked at a company as such for about 3 years, but late last year decided to become a personal trainer. I got certified, did it on the side for a while (mainly ran my own bootcamp), and at the beginning of the year quit my job and started doing it full time. A couple months in I realized it was too much work for the reward since I was basically doing everything that a company would be doing, but by myself. So in late March/early April I came on as a personal trainer as a chain gym. About 5 weeks in I got promoted/shifted to more of a sales position (an assistant training director) and that's what I'm currently doing. Although I can technically tell other trainers what to do, my main responsibility now is selling personal training, which does include orientations and what not, but ultimately it's a sales job. It's fun and potentially rewarding, but I'm not making the kind of money I want or need. Part of it is just that it's slow right now with summer and all and most people not even wanting to be at a gym, but at the same time I'm noticing this trend company-wide and I crunched the numbers to figure out how much I'd have to sell to even break 6 figures (right now I'm not even making 50k) and that's not something that anyone else in the company is even doing consistently.So I've been looking around a bit and am starting to more now, but I'm wondering if I should go more into a management position or a sales position. I'm not bad at selling (especially being new to it) and I've managed people before so I wanted to hear pros/cons to both, regardless of industry. What is better/worse about being a manager vs. a salesperson? From the people I talked to it seems sales has more potential for a lot more money, but is also a lot more stressful?
Neiman Marcus's Last Call stores (see coupon) and online.40% off one regular-priced item
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Coupon offer valid June 8 and 9 at Last Call Stores and LastCall.com. Limit one coupon per customer. Fun in the Sun Sale valid June 813, 2011, at Last Call Stores and LastCall.com. 40% coupon offer cannot be combined with sale. Discount applies to merchandise total only. 40% off one regular-priced item will automatically be applied to highest-priced item during checkout online. Cannot be combined with in-store sales, promotions, coupons, or savings offers. Savings will be reflected at checkout. Excludes all Special Store Events, Spot-On Savings Clearance, cosmetics, sunglasses, mens suits and furnishings, Nancy Gonzalez, and David Yurman. Other exclusions may apply. Interim markdowns may have been taken. No adjustments for prior purchases. Online sale ends June 14, 2011, at 8 a.m. CT.
U-Haul $1 off every propane tank refill through the end of the year. http://www.uhaul.com/Propane/default.aspxDid you know that refilling your propane tank is cheaper than exchanging?If you exchange your propane tank you don't get credit for anything you had left in the tank. Get your tank refilled by one of our certified professionals and pay for only what you need.http://www.bluerhino.com/BRWEB/Tank-Exchange/Coupons.aspx1. Purchase a Blue Rhino propane tank, with or without exchanging an empty tank, at a participating Blue Rhino retail outlet before December 31, 2011.
2. Print coupon (from link above) and complete it in its entirety.
3. Return completed coupon, original receipt, and original proof of purchase from tank package in a stamped envelope to the following address before January 31, 2012: Blue Rhino Tank Exchange Rebate, Department 1, PO Box 6075, Douglas, AZ 85655-6075.The Proof of Purchase can be found on the Blue Rhino package, to the left of the Blue Rhino logo along the bottom. Simply cut it out along the dotted line as shown and include it with your submissionFor a limited time: a small amount of tank packages at retail stores do not have these proofs of purchase symbols. If you have one of these tanks, you are not required to submit a proof of purchase.Notice: Allow 6 to 8 weeks for processing. Limit 1 per household per calendar year.AmeriGas $5 Off http://www.amerigas.com/exchange/consumer/grill.htm 2011, AmeriGas Propane, Inc. All Rights Reserved. Legal & Privacy Statements.
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MA Unemployment Hacked
Added on : Wednesday May 18th 2011 09:00:20 AM
Story
"There is a possibility that as a result of the infection, the virus collected confidential claimant or employer information. This information may include names, Social Security Numbers, Employer Identification Numbers, email addresses and residential or business addresses. It is possible that bank information of employers was also transmitted through the virus." Had to call and give SSN during the effected period, Wonder if they are giving free monitoring? don't really care since I already have freeze on all reports"EOLWD advises that anyone who conducted business from April 19 May 13 requiring that a staff person access your file on-line with DCS, DUA or at a One Stop Career Center should take the necessary precautions as outlined below. All claimants will receive letters advising them of the breach and the information on how they can further protect themselves"
Living without "necessities"
Added on : Thursday May 12th 2011 12:00:58 AM
Over the past year, I have trimmed my budget of many services, items, and bad habits, to save money with the unintended affect of leading a simpler, healthier, improved life. Some things I have done away with are considered necessities by some. Are they to you? What have you gone without to save money? Is there things you do on a daily basis that achieve both goals of living a better/healthier life and saving you some cash?
I hope some readers will try the same techniques and save themselves some money as well!
Here's some items I have cut from my budget.
1. Cable.
Having been raised on cable/satelite tv, this should've been a tough decision but it wasnt. The less you watch tv, the more active you become. You pick up better habits/hobbies. At least I think so. Instead of watching tv we go outside more, exercise more, have more time to read, go on FW, etc. =)2. Cell phone.
I was raised without a cell phone, and humans have lived for thousands of years without cell phones. They are not necessary and cause more stress, IMO. When I was required to have a cell for work, I was under constant stress and had headaches as a result. Also, people are addicted to their smart phones these days and I believe that is highly unhealthy. Finally, the jury is still out on the whole cancer/brain tumor/other health issues related to having the phone pressed against your head.3. Newer/Bigger car and not spending any money on my current car.
I've gone against what everyone else around me is doing and kept my 7 year old Toyota instead of buying a newer vehicle. Not only have I kept it, but my car got hit by a drunk driver (while my car was pa