Prepare for a Layoff
62Are Your Home, Finances, and Credit Safe?
- Online Debt Payoff Calculator
Use this handy online script to see how long it will take to payoff debts. - Mortgage Unemployment Protection
Protect your ability to keep your mortgage or rent current if you lose your income.
Prepare For A Job Loss
With dismal job reports coming out of the federal government, and the economy in a tailsping, are you prepared for a job loss? Many Americans are concerned about their jobs, and I am hearing from people in all levels of the financial spectrum.
In fact, many bankers, engineers, and managers are just as concerned about a job loss as are factory workers and waiters! Most of us will face a loss of income at some point in our working lives, and I have experienced a couple of layoffs myself.
Can You Pay Your Bills?
The difference between having a job loss be a crisis or an opportunity is preparation. Do you have 6 months worth of expenses saved somewhere it is easy to get to? If not, do you have a plan to replace your income? Learn how to prepare for unemployment with a supplemental unemployment protection. Most employees can qualify!
Also, now while you are employed, please look at your expenses and debts. Try to minimize unsecured debt and cut out anything you can so you can save some money. If we do slide into a recession, cash will probably be king! You want to have cash, and not owe Cash!
Keep Your Networks of Friends and Coworkers
Also, look into your network of friends and business associates. If you are locked out of your work computer can you still access these people? Networking is one of the best ways to find a great opportunity quickly. You can use social networks to keep in touch with important people, or simply make sure your contact list has been backed up on a home computer! Not only can these people help you find a new job, they can also help you stay positive during a period of unemployment. Don't keep all your friends at work!
Is Your Resume Shiny?
Make sure your resume is updated too. You do not want to have to scramble to replace references and update your latest skills and experience when you are worried about paying bills. This may also be a great time to update your skills with some continuing education to make your resume stand out.
What Can You Downsize?
Believe me, there are worse things in the world than moving into a smaller home. Is it possible you could cut your losses by selling that large home you really cannot afford and moving into a smaller home or an apartment?
Do you need to drive a brand new car? If you are not upside down on your car loan, and I hope you aren't, can you sell it and buy a 5 year old auto that will get you from place to place.
Can you color your own hair, paint and trim your own nails, or cook your own past a little more often? I mean...c'mon, of course you can do those things! And 100 jumping jacks in your living room will probably do you as much good as the expensive gym membership you haven't been using anyway.
CommentsLoading...
I am really glad to hear about this product. I did not even know something like this existed.
Its the hardest thing to imagine. I can feel the pain of the people who get laid off during financial crunches.Its better to play safe in such scenarios by enrolling in an insurance cover which covers the employees against any layoff or outsourcing.
- Manage Your Debt And Credit Better!
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Best Free Financial Calculators Sometimes, the real secret to finding the answers to your financial questions lies in doing the math. However, if you do not have access to financial formulas, or were never that good at calculating things like … Continue reading → - 8 months ago
- Rent A Home or Apartment With Bad Credit
How To Rent A Place To Live WIth Bad Credit It’s always easier to have good credit, but many thousands of people have had financial problems lately. Lots of these problems were really beyond their control after unemployment rates spiked … Continue reading → - 9 months ago
- Bad Credit Scores And Auto Insurance
Why Does A Credit Report Affect Auto Insurance Rates? Yeah, this doesn’t seem fair at all. But major insurers have a “legal” right to consider your scores and report when they assign you to a risk group. This risk group, … Continue reading → - 9 months ago
- Raising Your Credit Score From Fair to Great!
What Credit Card Payoff Strategy Helps You Raise Your Credit Score? Lots of us are trying to improve our credit scores. A good to great credit score gives us easy access to cheap credit, and it can also affect the … Continue reading → - 11 months ago
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More Help With Employment and Unemployment
- Jobs Without Degrees?
What Work Can You Find With No High School Diploma Or College Degree? Nobody is trying to argue the fact that education is important. The right degree, diploma, or certificate can be your key to higher paying jobs.Going back to school may not be a practical alternative for many people. They need to work right now, and they need to get a paycheck! Do you need a good job without a high school diploma, and do you need it now? Can you work without finishing high school? You need to look fo field that is hiring people without diplomas. Some of these positions may be open to considering real world experience instead of a degree. Other jobs may even pay for you to go back to school, in the evenings or week-end, while you train on the job. You may have to accept a lower starting salary. However, let your employer know that you are ambitious, and that you are willing to do what it takes to move ahead. Related posts: Online Degrees You Need to Become a Successful Netrepreneur Some self-made entrepreneur may scoff at the idea of getting... Internship is the biggest advantage of college jobs For the [...] Related posts: Online Degrees You Need to Become a Successful Netrepreneur Some self-made entrepreneur may scoff at the idea of getting... Internship is the biggest advantage of college jobs For the past few months, the entire world economy is... How Companies Go About Offering Students College Jobs And Conduct College Recruiting Most companies send representatives to attend college recruiting fairs in... Related posts brought to you by Yet Another Related Posts Plugin. - 3 months ago
- Fun Jobs for Temps are Available
Ever work as a temp? If you answered yes, you might believe that the work that temps do is not exactly fun or even a good match to your interests. Most of the time you’ll think that such a situation is “okay” because the work, after all, is temporary. At www.goworkit.com, however, you’ll be able to find temporary work that is not just interesting and fun, but which is also ideally matched to your interests. Currently, the site offers up free listings for cool jobs available in the New York City area, and it provides all of the details entirely for free. This means that, unlike a lot of job search sites, this one gives you everything you need in order to get a dream temp job, and without charging one penny! A Two-Way Street to Employment The site works in two ways and allows employers to submit their listings too. This means that temporary workers submit their details to an employer via the Web or even through a text message, and the employer can decide whether or not to hire them instantly! The site lets an employer list the job type, the wage, the location, the number of empty [...] Related posts: Jobs Without Degrees? What Work Can You Find With No High School Diploma... Manufacturing jobs are in high demand and easy to obtain Full-time employment with a major corporation such as Boeing, Hewlitt-Packard,... How Companies Go About Offering Students College Jobs And Conduct College Recruiting Most companies send representatives to attend college recruiting fairs in... Related posts brought to you by Yet Another Related Posts Plugin. - 8 months ago
- Jobs in the Golf Industry
You will discover many task options for you personally to uncover in the golf business. Should you possess an enjoy of golf and need to operate closely using the industry, it’s straightforward to discover a career that involves golf every single single day. For some people, functioning in the golf business is a dream career. What sorts of positions are obtainable? * Club Pro – this golf occupation requires that you might be a quite great golfer with regularly large scores. Typically a golf pro task is held by an individual that has been to golf teaching school and is a member of many expert organizations. * Greenskeeper – some persons this is the most crucial golf job at a golf course. A greenskeeper is responsible for taking care of the greens (clearly). This person should have an information of chemical substances and know tips on how to utilize them to ensure that the greens are lush and – well – green. The greenskeeper is also accountable for mowing the greens and taking care of the fringe. * Course manager – this work might be one of the most intense jobs at a golf club. This person is responsible for [...] Related posts: Precautions for protecting local industry from the international industry With the world becoming smaller and repeated references to the... Fun Jobs for Temps are Available Ever work as a temp? If you answered yes, you... Jobs Without Degrees? What Work Can You Find With No High School Diploma... Related posts brought to you by Yet Another Related Posts Plugin. - 12 months ago
- Retirement Employment
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- Ex-pat Engineering Jobs in Oil and Gas
Job seekers with engineering backgrounds and experience should definitely consider a job in the oil and gas industry. The pay is much higher than their counterpart industries and if you are one that wants to travel you could find yourself employed anywhere in the world. From countries like China to Kazakhstan – the options are endless when it comes to the oil and gas industry. For job seekers with a bit more flare for adventure there is the offshore oil rigs based kilometres out to sea that can offer highly paid wages in return for the oil rig discomforts and personal safety one puts at risk for being there. Oil and gas recruiters are always looking for expat engineers and if you have industry experience you have just made yourself highly employable. Entry level positions are hard to come by when working in a foreign country as most companies would prefer to pay the local employee the countries acceptable pay rate (Which, to you or me is close to nothing!). Although living conditions can be a little different from what you would normally expect from back home most people expats learn to appreciate the way of life from what they [...] Related posts: Jobs Without Degrees? What Work Can You Find With No High School Diploma... Manufacturing jobs are in high demand and easy to obtain Full-time employment with a major corporation such as Boeing, Hewlitt-Packard,... College jobs through college recruiting is the best option College jobs are in demand these days. People, after losing... Related posts brought to you by Yet Another Related Posts Plugin. - 15 months ago
- Know How to Find the Average Salary for Your Job
Do you think you are underpaid or deserve more salary than what you get? In this article on average salary we have discussed the important factors that would help you find the average salary for any job. Any job seeker or employer would be aware that salaries differ on the basis of industry, location, the position of the employee and various other factors. In addition, while researching the average salary for your profession, it is good to know about the possible salaries offered for your profession. Skilled professionals working in a small company may earn less salary than a trained professional employed in well known organizations. Similarly, a teacher working in a district school would not be paid the same salary as the public school teachers. It is recommended to do some serious research if one wishes to gather information about the average salary one may expect from his or her employer. Conducting an average salary research would be beneficial to people negotiating salary. Many people feel lost during job interviews when it comes to negotiating their salary. The first and foremost step is to find the average salary of other people of the same profession. With this research, it [...] Related posts: Find how to get low mortgage interest rates to buy a home Everybody today is trying to find out how to get... Where to find the right baby clothes? Clothing is something we are always picky about, no matter... How Do I Find People To Buy My House? Selling a house is always one of the most difficult... Related posts brought to you by Yet Another Related Posts Plugin. - 15 months ago
- Make Money Writing The Easy Way
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- Effective steps on dealing with a bad boss.
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myfreeforum 3 years ago
I think these tips are pretty timely givien the rising unemployment figures we've been seeing on the news.