Do not take short cuts

Do not take short cuts

Good Job Search Records Are Imperative and Cannot Be Over Emphasized

Always keep meticulous, records of all your, job search efforts., It is not a matter, of IF your state employment, office will ask ,for those records, as a condition, of continuing your, unemployment, benefits, but WHEN that state agency will ask for your records. To save yourself a headache and a lot of stress, keep good records from day one.
Do not take short cuts. Do what you are supposed to do to obtain another job. I think the different job search activities listed above are fairly easy to accomplish and do not take a lot of effort to accumulate several job searches every week. Most of the time the state employment office only requires 5 or 6 job searches per week to qualify for benefits, so there is no reason not to make at least that many, and often quite easy to make many more. Of course the more job search activity you engage in, the quicker you are likely to find another suitable job.
Keep in mind that falsifying job search activity can mean losing your benefits and even being prosecuted for fraud, so never do it. There are usually so many different activities a person can engage in that count as job search activities with their state unemployment office that there is really no good reason for falsifying anything.
If you are serious about seeking a new job, as you should be, it makes sense to treat your job search like a job itself. Put in the same number of hours searching for another job that you would normally spend if you were working for someone else. The more determined you are and the more effort you put in searching for a new job, the sooner you are likely to find one that meets your needs
Different Kinds of Job Search

Different Kinds of Job Search

Submitting Job Applications Is Not the Only Way to Meet Job Search Requirements When You Are Receiving Unemployment Benefits

Most people ,who qualify, to receive unemployment ,benefits must meet, ongoing requirements, to continue to, receive their benefits., One of those requirements, is to make a,, specified number, of job searches every week, but what qualifies as a job search?
Lots of people believe that only an application submitted to a prospective employer qualifies as a job search, but that is not true. There are many different activities relating to job search that are acceptable to your unemployment office as efforts to obtain full-time employment.
Let me caution you that every state runs their own unemployment office so requirements and rules (laws) may differ somewhat from what is printed here. This is specific to Texas, so I recommend that after you have read this article, be sure to check with your local state unemployment office regarding exactly what counts as a job search. They should have a list either in print or online to guide you.

Attending Job Fairs Counts As One Job Search Activity

Attending a job fair counts as one job search.  Every time you talk with employer representatives at a booth at that fair it counts as one job search.
Attending a job fair counts as one job search. Every time you talk with employer representatives at a booth at that fair it counts as one job search. |

Different Kinds of Job Search Activities at Your Local Unemployment Center That Your Unemployment Office Will Accept and Count As a Job Search

For starters, be sure to register for work with your state unemployment office. Be sure to keep all information on your account with your unemployment office current. Check the information regularly to make sure it is up to date as proof that you are seriously and actively searching for employment.
Your unemployment office will check to make sure you have kept your information current and up to date and they will have a computer record of how often you have reviewed your information for accuracy and update, so be sure to do that at least once a month -- or sooner if any of your information changes. The information I am talking about is your address, phone number, and so on.
Being registered for work with your state unemployment office is usually a requirement or condition in order to qualify for unemployment benefits.
Most state unemployment centers offer a lot of different employment resources to help you find a job that will meet your needs. Each of the following activities at your local state unemployment center counts as one job search. That is correct, you can count each of the following activities as one job search. Be sure to keep a good record of the date you engaged in these activities, exactly what you did, and keep track of the results.
1. Get job referrals from your state unemployment office and follow up on them. Keep a good record of the results. Be sure to register with your local state unemployment office as soon as you apply for unemployment benefits. Registering for work is usually a requirement for qualifying for unemployment benefits. Once you have registered with your state unemployment office for work, many state unemployment centers will match your previous work experience and stated job skills with known available job listings. Job referrals will then be placed on your account so that you can follow up on them.
Be aware that you are expected to follow up on all job referrals and failing to do so can be detrimental to the future of your unemployment benefits. That does not mean you must apply for every job referred to you, but you must act on each referral, and you may be expected to give a reason why you are not interested in certain referrals. Each referral you follow up on counts as one job search.
2. Take advantage of instructional workshops at your local unemployment center. Learn how to write a great resumé. Learn how to ace a job interview. Take advantage of all the expertise your state unemployment job center has to offer.Every time you participate in one of these workshops or receive private instruction from one of the unemployment center’s specialists, it counts as one job search, plus you improve your job search skills and your chances of finding a suitable job. Keep a detailed record of your workshop activities and any consultations or instruction you get from the work center specialists.
3. Take advantage of skills assessments for the purpose of matching you with the best occupations to fit your skills. Each time you participate in one of these assessments it counts as one job search.
4. Your state unemployment office has the most recent ‘labor market’ information and that information will tell you who in your local area is hiring, what positions are open, what job skills are required, and a host of other important information that can help you find a new job. Every time you take advantage of this information it counts as one job search.

More Activities That Count As a Job Search

> Take part in job fairs, job club meetings, job search seminars, and job-related workshops that will help you improve your job search skills and/or improve and expand your work skills. They may also inform you of job openings you would not otherwise hear about.
These events need not be sponsored by your state unemployment office. They may be sponsored by private employers and organizations, or may be simply a group of unemployed people who get together regularly to share job search information. Networking with other people will often pay off better than cold calling or even answering adds in your local newspaper or applying for jobs listed online, especially if you can say you were referred by an employee that is already a valued part of their workforce. Each time you attend one of these events it counts as one job search. Keep good records of any events or programs you attend.
> Register for work with temporary agencies or private unemployment agencies. The act of registering counts as one job search. Every day you contact one of these agencies to learn if they have any suitable leads it counts as one job search. If you contact one (1) such agency asking if they have found any job matches for you one time every single work day Monday through Friday, you have made 5 work searches. If you contact 2 different temp or private employment agencies every single day Monday through Friday to learn if they have any leads for you, you have made 10 job searches.
Be sure to keep good records. Include what unemployment agency or temp agency you contacted, the date and time of your call, the name of the person you spoke to, what the main part of the conversation included, and specific information on any job leads you may have received.
> When you mail or Fax a job application, or resumé, as instructed in a public job notice to an employer who placed the help wanted or job opening listing, that counts as one job search for each resumé or application sent.
> Contacting employers who may be reasonably expected to have openings in work you are qualified to do, even though that employer may not have listed any specific job openings, counts as one job search. Large employers often have several job openings at any given time. Be sure to keep a good record as described previously in this article as well as whether you contacted the employer by phone, mail, or email. Did you send the employer a resumé and cover letter? Keep a note of that along with all other pertinent details.
> There are so many applicants for most job listings nowadays that the human resources departments of many businesses choose to narrow down the most favorable applicants through several interviews, often starting with a phone interview. Every time you have an interview, whether it is a phone interview, group interview, or private interview, it counts as one job search. Even if you interview with a particular company 5 or more times, each interview counts as one job search.
Keep good records. Take a notebook to your interviews and also keep a notebook near the phone where you can jot down important information, like the names of the people who are interviewing you and their titles. Always record the date, time, and place of interviews, and whether they were over the phone or in person. Sometimes a company representative will do a short interview and then schedule you for an in-person interview soon afterwards. That call counts as one job search even though it was a combination interview and scheduling for a future in-person interview.
> Register with online job search sites like Monster.Com and Simply Hired.com, and there are many more such sites. Registering on one or more of these sites counts as one job search for each site you register on.
Every day that you go to an online job search site it counts as one job search. If you have registered to receive notices in your email when new job listings that you are qualified for become available, then every time you open that notice and check out those notices it counts as one job search.
For example, if you are registered to receive new job listing alerts with 5 different online job sites similar to Monster.Com or Career Builder.com, and all 5 job search sites send you a notice every day of the week (Monday through Sunday) and you open every alert notice and check out the jobs listed on the alerts from every one of the online job search sites, that counts as 5 job searches every day, or 35 job searches a week!
If you apply over the Internet for any jobs, whether they are on the website of the prospective employer, or through the job search site (Monster, Career Builder, Simply Hired, etc.), it counts as one job search for each application sent. If you apply for 3 different jobs, one after the other through the online job search site, each application counts as one job search.
> If you walk into a place of business that might reasonably have a job opening that meets your job qualifications and needs, and you talk with the receptionist, or an agent in the human resources department, or anyone who works at that place of business about whether there are job openings, and if so what they are for, etc., that counts as one job search. If you fill out an application such as you might do at a fast food chain or other similar business, that counts as one job search.
> Every day that you check your local newspaper’s help wanted section, either the hard copy or online, looking for suitable job listings, it counts as one job search. If you check the help wanted sections of newspapers from nearby towns to where you could reasonably commute, that is another job search. In addition, every time you follow up on one of the newspaper listings that fits your job skills it counts as a job search. So you have one job search for checking the newspaper listings and another job search for every job you find and follow up on in that newspaper that meets your requirements and job qualifications.
FFIUL and the benefits

FFIUL and the benefits

FFIUL and the benefits

Last time we discussed, the 529 plan and, the secrets behind, it. Now lets look ,at the FFIUL plan ,and what it looks ,like. First of all lets, please understand, that this insurance, plan is best for covering your children and that also from when they are born or at a young age. This is because the longer you have it the more cash value you collect. Also know that it is a life insurance plan so you can not get coverage if diagnosed with a disability or life threatening illness so if you want to get this plan I would suggest getting it right away.
Now one of my favorite benefits of this plan is that the premiums is locked. This means that your premium does not go up by age. Once you have the plan you pay the same premium for the rest of your life. Now remember this is life insurance so it has your death benefit. So the coverage is not just for college. It is for anything and everything you need it to be for. Last time I did a few scenarios to help you understand what the plans functions looked liked then did Q&A of yes and no questions. I will do the same this time but will also cover some of the basic bullet points on what makes this plan so fantastic. I also promised to tell you how to find an agent near you that could provide you with this plan and so that will also be covered at the end.
Lets start up with the benefits first so that we understand the stories a little better. First off this plan is a non-includible asset. This means that last time when the scholarship was deducted from because of your 529 plan- that won't happen hear because it will not show as a college savings plan. Now of course there are many times where you need to take out loans for different situations right? Well this plan has 0% interest on withdrawal. Of course you have to wait a year before taking out a loan because you need to build up that cash value first. This plan is also tax deferred which may sound like a bad thing but is actually better than tax advantage. If you are in the accounting industry then you know what I am talking about. Now there are many more advantages to this plan but lets look at some scenarios to help us understand this plan better.
For our cases lets say that the plan was bought as soon as the child was born and its been 18 years since then. You got your child a $1,000,000 FFIUL plan. Your monthly payment is $295 and you have been religiously putting in that payment like you should.
Your child has been diagnosed with cancer and you need funds for the treatments. Because your cash value has been building up you are able to withdraw money from your plan with 0% interest and pay for your child's treatment without having to worry about the interest on the loan.
Tanisha is old enough to go to college now but she decides that she rather not. If we remember correctly in the 529 plan this means your money is gone. However, with this plan you still get that money. In fact if you encourage your child to leave that money there and keep paying the monthly payments her death benefit will go up and her family will get both the death benefit plus the cash value at the time of death. Of course she also has the option of taking it out when needed.
Now this plan gives you a profit. This is because the money that you leave in there you get a certain percent of interest added to it.
Sarfarz has an FFIUL plan and has not taken any loans up to this point (or he did take a few loans- your choice in preference) his profit in the account has been going up by 12.5% so far. But recently there has been an economic downfall and a lot of people are having to start all their savings from scratch as it is all being lost. However, when he goes to check his account he sees his is not falling but is simply at a stand still. This is because there is a guarantee of .75% compound interest which protects him from losing money through inflation.
Now that you have seen a few scenarios to see how this plan works how about our favorite Q&A?
Can you get this plan for an older child?
Of course! you can even get it for yourself! The best part about this plan is that it is good for just about anyone.
Do we have to pay extra premium for the cash value to rise?
No. As long as you keep paying your regular premiums your cash value will rise on its on there is no extra fee for this. Once your death benefit is paid off (which takes about a year) your cash value will start being built.
My child got a $200,000 scholarship is there a reduction of what I get because I have this plan?
No. Remember this plan is a non- includible asset therefore it will not show on the system and you get the full scholarship.
My child wants to go to Australia to study do they still get to get that money?
yes. they still get both their death benefit and their cash value. Their college savings in this plan is available no matter what.
What if I only have a specific amount of money I can pay for premium?
The thing is you can tell the agent how much premium you can afford and they will run the numbers for you! I tried running a $50 premium till age 65 and $100,000 death benefit and even with withdrawal for retirement every year after age 70 I still ended up with around $500,000 in death benefit!
Can we get this plan for other reasons?
Of course! We can help you set the plan with specific riders to make it what you need! We have long term care and basic as two of the many rider options. So if you are worried about short term basic is what you need and if you are worried about long term disability then we have that as well.
Do you need a medical check up?
Yes you do. This is a life insurance plan so like all other life insurance plans you do need to do a health check up but we make the process fast and easy so don't worry!
O.k. I get it it's a pretty good plan but where do I find an agent that can get me this plan?
Get out your pens and papers because here it comes- any life and health licensed insurance agent contracted with TransAmerica or WFG can get you a plan. If you find it difficult to find someone like that let me give you a secret. I am also licensed and contracted for Texas. I will put my office information for you and if you are in a different state or in Canada I will have the company connect you with the branch in that location. We will find you an agent that fits your needs and personality. That way you know that we aren't just trying to make money off you but are there as your friends to help you.
My office number is 972-247-8406 you will need to ask for Bazal Morani and I will be there to help. It is a CPA firm so do not get worried when you here A. Morani CPA firm. If you are in Texas particularly in the Dallas, Irving, Arlington, etc. area feel free to stop by at our office at 2775 Villa Creek Dr, Ste. 180 Irving, TX, 75234. Please set up an appointment first so that we have everything ready for you when you come in.

Margin Loans on Investment Portfolio's

If you own stocks, bonds, limited partnerships, TIPS or Business Development Companies in a brokerage account, you have the ability to borrow funds against the equity in the account. There aren't any rules or underwriting you have to go through to do this. All you have to do is set up the account and the brokerage firm will allow you to take money - no questions asked.
The interest that these companies charge are low AND tax deductible against earnings. For example, I have seen accounts where the interest rate to borrow against an investment portfolio of securities is only 1.5%. The company is giving away a Google Nexus 7 too when an investor opens an account. There is more information at Decision Tree Financial.
Are life insurance loans a better concept than borrowing against an investment portfolio of stocks? Can an owner of a life insurance company create money out of thin air?
This would be wonderful concept, and would be a "financial secret that 'they' don't want you to know" because, if real, would severely decrease the profitability of actual banks and the financial industry when they lose customers they want to lend money to.
Unfortunately,, it isn't as good as, it is made out to, be. However, that doesn't, mean life insurance ,is a bad product. Bank ,on Yourself just ,doesn't seem to ,be as great as, it is made out to be so far?,

Financial Planning Video

The Mechanics of a Bank on Yourself Participating Whole Life Insurance Policy

There are a lot of different types of life insurance policies on the market. In an effort to reduce confusion for now I am going to generalize these policies into two distinct types: Term Life Insurance and Permanent Life Insurance.

Term life insurance allows a policy owner to obtain the highest amount of "death insurance" for the least amount of premium. "Term" refers to a period of time.
For example, a 40 year old may want to have coverage of $1,000,000 that last until they are 60. In this case, they could buy a 20 year term life insurance policy and it might require them to pay about $70/month in premium.
If they are blessed enough to live through the term (which for a 40 year old is highly likely but not guaranteed), then the insurance company keeps the money paid into the policy and the proceeds are distributed to the beneficiaries of policy owners that died during that term and the life insurance company's owners.

Permanent life insurance is different. "Bank on Yourself" recommends that an investor use a certain type of permanent life insurance policy manufactured by a mutual life insurance company called a non-direct participating whole life policy.

I will break down the meaning of this term in three parts:
  1. Mutual Life Insurance Company
  2. Participating Whole Life
  3. Non-direct (vs. direct) Participating

Owning a company can be achieved a few different ways. One of the most understood ways of doing so is to invest in a company's stock.
When you buy the stock of a company, you become a partial owner of that company and are entitled to a portion of its earnings. For example, if you were to invest in (1) share of The Walt Disney Company, then you would own about .00000000059% of the company because there are 1.7 Billion shares outstanding. You would therefore be entitled to that percentage of the profit the company distributes. You would also have ability to profit from the increase in the price of the stock.
You may also lose money if your share of stock goes down in value but you will still receive your share of the profits.

You can invest your money into the stock of an insurance company as well. For example, an investor can open an account like the one if you click here and get a free Google Nexus. Then, they can buy some shares of insurance companies MetLife and Prudential if they would like. The profits they would be entitled to might come from the profits of term life insurance or various permanent life insurance policies these companies sell.

A person can not invest in a mutual life insurance companies the same way. s Instead, the owners of a mutual life insurance company are their whole life policy owners and the profits of the company are distributed directly to them.

Mutual Insurance = Owned by Policy Owners

Participating Whole Life is a whole life policy where the policy owner "participates" in the profits of the company. The profits of a mutual whole life insurance company can come from the money they make on their whole life insurance, their term life insurance and their other product lines. Some mutual life insurance companies have Wall Street Firms themselves known as "broker-dealers" and others even have actual banks and mutual funds where the profits they make are distributed to the owners of their participating whole life policies. However, most of the money that any insurance company makes comes from the way they invest their policy owner's premiums.
It Is Critical That You Keep a Good Record of Your Job Search Efforts

It Is Critical That You Keep a Good Record of Your Job Search Efforts

It Is Critical That You Keep a Good Record of Your Job Search Efforts

Keeping good records, of your job search ,activities when seeking ,a new job anytime,, but especially, if you are receiving, unemployment benefits,, cannot be overly, emphasized. Your unemployment office will request verification of the job search activities that you have undertaken in searching for a job. Keep good records so that you will be prepared to provide the required proof when it is requested.
Be sure you have a clear, easy to read record, to provide to your state unemployment office when they ask you for it. If you cannot provide a record of your activities there is a good chance you may lose your benefits, so take the time and care to keep a good record. Keeping your records current and complete will make it easier to provide that job search record when it is requested.
Be sure to include enough information in your records so that you can read it yourself and understand it. If you cannot make sense of your notes and records, it is unlikely anyone else will be able to either, so make sure they are clear and neat.

Here Is a List Of the Basic Information You Will Want to Record.

For your own purposes and for keeping track of your job search efforts, you may want to note much more information as is shown in the photo examples provided in this article. The list I have provided below will include the basic information required to satisfy your state unemployment office, but for your own records you may want include more details. Feel free to add as much information and detail as you need to conduct a good job search and keep on top of your activities and progress.
Date
Month, day, and year, and in some cases you may want to list the time, when the qualifying job search activity took place.
Type of Activity
Specify what activity you engaged in. Was it a workshop? Did you complete and mail a job application or résumé? Did you do an interview by phone or in person? Did you do a job search on one or more of the online employment sites, and did you submit an online application or email your résumé to a perspective employer? Did you participate in a job networking meeting, a workshop, or a seminar, to improve your job search skills? Specify exactly what your job search activity included on your work search record.
Location of Activity
Where did this job search activity take place? Was it at the State Unemployment Office? If you mailed or emailed a résumé, or if you filled out an online application, list the name and physical address as well as mailing address, if applicable, of the employer that you applied to in the location column.
Contact Person’s Name, Title, and Phone Number
List the name of the person who contacted you by phone or letter, or the person with whom you interviewed, their title and phone number, under “contact person.” Or list the name of the person and their title and phone number that you should contact to find out what stage your application is in – if you know that information.
Job Title of Position You Are Applying For
List the title and number of the job you are inquiring about or applying for if this information is applicable to the activity listed.
Follow Up or Results
What have been the results of the job search activity you engaged in? Did you receive a phone inquiry/interview? An appointment for an in-person interview? A letter letting you know the job has been filled? Have you improved your résumé writing skills as a result of instruction on that subject at a workshop or class? Did you get some new job leads as a result of a networking meeting with other unemployed people? Whatever the results of your activity, keep a clear record of what it was in your follow-up file as verification of your efforts.
Many times you may send a résumé, but you are never informed about what happened to it. Sometimes you are fortunate if you receive even a notice that your résumé or application was received. After that you may get nothing, and often employers do not provide phone numbers because they do not want to be bothered by hundreds of applicants they are not considering.
Sometimes employers will even tell an applicant not to call them with inquiries about their applications and that if they do so, they are warned that their application will be placed at the bottom of the stack. Yes, I have seen this notice many times in job listings, or in notices sent to notify me that my application was received
Installing WordPress

Installing WordPress

Installing WordPress

There are two conceivable approaches to introduce WordPress, one MUCH simpler than the other.
1. 1-Click-establishment
Each solid and settled facilitating organization has incorporated 1-snap establishment for WordPress, which makes getting going a snap.
In the event that you joined with Bluehost or some other comparative facilitating organization, you ought to discover your “1-snap establishment” in your record control board.
Here are the strides you ought to take after (ought to be comparable/same on all the significant web facilitating organizations):
Sign into your facilitating record.
Go to your control board.
Search for the “WordPress” symbol.
Pick the area where you need to introduce your site.
Click the “Introduce Now” catch and you ought to become acquainted with your NEW WordPress site.
Need somewhat more help introducing WordPress? See this inside and out aide.
2. Manual introduce
On the off chance that oddly enough (some facilitating organizations don’t have a single tick introduce for WordPress) you don’t have the likelihood to introduce WordPress consequently, look this manual guide beneath:
Introducing WordPress Manually
Pssst – on the off chance that they don’t have 1-snap establishment, possibly you’re managing an awful hos

Kategori

Kategori