Unemployment Blues: Downward Mobility
All the indicators show an improving economy and, finally,the start of job growth. More than eight million unemployedworkers see hope around the corner and re-enter thenightmare of job search with increased enthusiasm and thepositive outlook they lost six months ago when theyvirtually gave up on ever finding a good position.What do they find?Service jobs: customer service, hospitality, tourism, food,travel, entry-level healthcare, retail. What are these jobsoffering? 30%, 50%, 75% less income than the oldmanufacturing jobs which have moved to foreign countries.Where are the benefits, the insurance, the paid holidays,retirement plans? Where have the stability, seniority systemand regular raises gone?It is a new world, an evolving economy, a changed future.Everything will work out, government forecasters confidentlypredict. With tax reductions continuing, the economy willexpand and thousands of high-tech, highly compensatedpositions will be created. Keep the faith, job seekers areadvised -- this is the United States where innovation andentrepreneurship always prevail and life gets better andbetter.Keep mouthing the platitudes and perhaps the 50 year-oldformer auto worker with an eleventh grade education or the60 year-old dislocated engineer with outdated job skills andhigh blood pressure will actually start to believe it.
Atleast until they return to active job search and encounterthe real, not the hypothetical/political, labor market. Thatis when the true economic progression of twenty-firstCentury America emerges: an increasing number ofmillionaires, an increasing number of entry-level, low paidworkers, and a great middle class vacuum. The displaced worker is confronted with the choice ofworking at a level far below his/her skills, education, andabilities warrant, or staying unemployed. When thegovernment reports that in the near future "Every one whowants a job will get one," the connotation of unemploymentis that jobless workers do not WANT to work. This politicalmyth leads to increased depression, diminished self-esteem,and the final conclusion by the legions of the unemployedthat their personal fears turned out to be true: they areworthless, unwanted, redundant.
The universal anxiety aboutnot being quite good enough, not measuring up, not able torun with the big dogs has been validated and the mentalhealth of the unemployed deteriorates further..
Dr. Bola operated a rehabilitation company, developinginnovative job search techniques for disabled workers, for20 years. A licensed clinical psychologist, she directedvocational programs for the mentally ill, served as aVocational Expert in administrative and civil court, andpioneered vocational testimony in Workers' Compensation.Author of The Wolf at the Door: An Unemployment SurvivalManual, she can be found at: http://www.virginiabola.comInsureMe Provides Resources for Finding Home Insurance Insurance Shopping Service Offers Tips for Hard-To-Find Home Insurance
Denver, CO (ContentDesk) July 19, 2006 -- With the first named tropical storm under our belt, many homeowners are looking for home insurance -- and some are having a difficult time finding it. To help consumers protect themselves from this years high-risk weather season, InsureMe, the leading online insurance shopping service, is providing tips for finding adequate insurance protection. While homeowners in coastal regions of the U.S. are facing dramatic premium hikes -- and worse yet, a shortage of insurers taking on new business -- the company urges homeowners not to give up on insuring their residence. Policies, especially affordable ones, can be hard to find for a lot of people right now, says Mike Sajdak, InsureMe Chief Financial Officer. But InsureMe.com allows homeowners to shop online and be matched with licensed, local agents in their area who can meet their home insurance needs. Still, the company understands that some homeowners in particularly high-risk areas may not be...
InsureMe Provides Resources for Finding Home Insurance Insurance Shopping Service Offers Tips for Hard-To-Find Home Insurance
Life insurance > InsureMe Provides Resources for Finding Home Insurance Insurance Shopping Service Offers Tips for Hard-To-Find Home Insurance
Please Don't Put Adsense by Google on Your WebSite!
I haven't seen much buzz about Google's new Adsense (and Firefox)
referral program on the affiliate marketing forums have you? And I can tell you why. Those publishers who are getting nice Adsense checks don't want more publishers accessing Google's ad inventory. And you know what?
I am tempted to join them in saying:
Please Don't Put Adsense by Google on Your WebSite!
After all, why would you want to get a
a google adsense account? If you are like me, you certainly don't want
to get one.
Why take advantage of
google's leadership
in a whole new type of advertising.
And please, please do not under any circumstances become a Google Adsense publisher and
if someone becomes an Adsense publisher from your site, do not get paid $100 when they reach $100 in adsense earnings! You can send the check to me if you like!
Not bad eh?
You can implement...
Life insurance > Please Don't Put Adsense by Google on Your WebSite!
Texas Group Health Insurance
Most people are generally covered under the group health plans provided by their own employer or by the spouse's employer. Whichever way, coverage provided under the group insurance programs not only serves to control the medical expenses of employees, but also provides them with the security and peace of mind, which goes a long way in ensuring their loyalty towards the company.
Group plans can be broadly classified under small employer plans and large employer group plans. Texas government has made some provisions for the small employer group plans in that they do have to have to cover state mandated benefits that are to be covered by the large employer companies.
It is also important to point out that it is not mandatory for the employers to provide group health coverage.
Also, the companies are not required to pay the premiums on behalf of their employees.
Small Employers Group Plans: To benefit from the small employers plans, the company...
Life insurance > Texas Group Health Insurance
Reverse Mortgages: When Is One Right For You?
How do you know if a reverse mortgage is right for you? The answer depends on your current financial situation of course.But other factors such as your medical condition and lifestyle are important in determining whether or not a reverse mortgage is your best choice compared to a home equity loan, a line of credit, or just selling your home.A reverse mortgage might be worth your consideration in many situations. Some of the common reasons you might get a reverse mortgage loan are if:*You have a small first mortgage*You own your home free and clear with no debt*You need regular income to live on and your home is you major asset*You want to stay in your home and have no intention of leaving it*Other housing options are unaffordable or not appealing to you*You want to be able to take care of major medical expense*You want to be able to do home repairs, travel, or help your children*You don't plan on leaving your home to your heirs through inheritance*You want to relax by knowing that your...
Reverse Mortgages: When Is One Right For You?
Life insurance > Reverse Mortgages: When Is One Right For You?
The Woeful Inadequacies of Traditional Estate Planning: The Four Critical Questions You Need To Ask Yourself By Mark H. Kaizerman
(ContentDesk) October 9, 2005 -- When I mention the words, estate planning, most people think of meeting with an attorney and drafting legal documents.
Traditionally, those documents include a will, durable power of attorney, health care proxy and perhaps a trust.
After you draft these documents, you meet to sign them, then you put them somewhere safe, cut a check to the attorney and breathe a sigh of relief because you finally have things covered.
All is well and your estate is perfectly in order, right?
WRONG!Too often the drafting of legal documents is confused with developing an estate plan.
Sure, legal documents are part of an estate plan, but they are not the estate plan.
You need to make sure that you have everything in one spot.
If not, you could cause yourself some real problems.
Thats why 98% of all estate plans fall short.
Thats why you have debacles like the Terry Schiavo case and the Ted...
Life insurance > The Woeful Inadequacies of Traditional Estate Planning: The Four Critical Questions You Need To Ask Yourself By Mark H. Kaizerman
L.A Judge Rules Neuropsychologist Qualified for Expert Testimony in $6M Landmark Toxic Mold Case
Judge Warren Ettinger, Los Angeles Superior Court, ruled that Dr. Juan Manuel Gutierrez, Ph.D., Board Certified neuropsychologist may offer his expert opinion that exposure to toxic mold was the cause of a Plaintiff's permanent brain injury.In the case of Dee v PCS (case # No.LC057263), Plaintiff Darcee Dee, a former resident of Mammoth Park Towers in Sherman Oaks, California -- billed as "Luxury Apartment Homes, Completely Renovated" -- has filed for damages in a suit in Los Angeles Superior Court.
The defendants PCS Property Management LLP and 8611 Venice Blvd. Corp are either owned directly or indirectly by another LLP, whose principle is local PCS Telecommunication's magnate, Joe Fryzer.
The defendants own and manage 40 other high end luxury apartment buildings in Beverly Hills and Los Angeles, promoted with the motto: "We don't just say it, we mean it.
Better Living. Better Life".Attorney for Ms. Dee, Scott B. Whitenack, Esq. (AKA Scott B.
Stubblefield)...
L.A Judge Rules Neuropsychologist Qualified for Expert Testimony in $6M Landmark Toxic Mold Case
Life insurance > L.A Judge Rules Neuropsychologist Qualified for Expert Testimony in $6M Landmark Toxic Mold Case
Survey Seeks Answers On How Healthcare Insurance is Purchased, Used
(ContentDesk) March 18, 2006 -- The nations pre-occupation with healthcare premium costs and plan usage has sparked a rising interest in just how individuals purchase and use their policies.At the same time, Health Savings Accounts (HSAs) and Health Reimbursement Accounts (HRAs) are growing as a tool of management to reduce their healthcare costs.
The end result is that many firms are shifting more and more of the burden to employees.To determine just how individuals and families are coping with these changing trends, Information Strategies, Inc. (ISI) is conducting a nationwide survey of healthcare insurance purchasing and usage.ISI invites confidential participation by readers at http://www.surveymonkey.com/s.asp?u=530371850698
The results will be published in a series of online monographs available to families, healthcare providers and others concerned about the healthcare system and...
Life insurance > Survey Seeks Answers On How Healthcare Insurance is Purchased, Used
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