Tuesday, December 29, 2009

Top 2010 Job-Hunting Tips

Hunting for a job is like selling a product, except that YOU are the product. When a product doesn't sell, the main reason is that there isn't any demand for it, or the demand is elsewhere. If you are hunting for a job, then either change the demand for the product or look for demand elsewhere. Simply put, you can't sell a product that no one wants.

Change What You're Selling
If your dream job or your career of choice isn't hiring and you need a job, then change what you are selling to what people are buying. It's easy to slip into the mindset that you are looking for a specific job. Of course, start with your passion. But if there isn't any demand for it, wishing for demand won't work. Also, trying to stay in a closely related area probably won't work either. You need to find where demand is hot. For example, if you want to be a movie producer and they aren't hiring, then the obvious move is start looking to be a television
producer. But it's highly likely that they aren't hiring either.

Change the focus entirely by looking for demand for a related job instead. If your offer was to sell your services as a movie producer, and there are no takers, then change your offer to sell your services as a project manager or an administrative assistant.

Then, once you have that, build the contacts and resume to get that dream job when there is an opening. Some might think of this as the strategy used by those that want to become paid actors, and so they take jobs waiting tables or tending bar. That's basically it, except the odds on you getting a job in your career of choice are substantially higher than the odds on an aspiring actor becoming the next Robert De Niro.

Hot Jobs for 2010
In 2010 things are going to be changing. Potentially hot areas would include the following:

  • Medical Records – The healthcare legislation notwithstanding, more hospitals are going digital and they will need help. And if legislation provides funds, it could boom.

  • Compliance or Regulatory Director – New rules for firms are making things more complex and that means they need to hire people that can learn, understand and apply them.

  • Census – The 2010 census won't be long-term employment, but they will be hiring hundreds of thousands of workers. It won't be your dream job, but the paychecks won't bounce.

  • Sales Reps – As the economy crashed and sales fell, sales reps were easily let go. But many companies won't be able to increase sales when demand picks up if they don't hire more sales reps. The pay may not be as good as it was if you were in the business at the peak, but someone has to take the order or there is no business.

  • Teach – While full-time tenure track positions require an act of Congress, part time adjunct positions are available. It's not great money, but it's money. Also, look for training, instructor, and other related positions as they will still be in demand as level of employment won't increase overnight. (Once you get a call back, there's still more work to be done.

Geographic Change
The recession has hit inconsistently across the country. This means localized economic strife. There are many areas in the world that are doing better than the U.S. If demand for your product isn't strong in the area your selling it, then you need to find another area. In other words, you need to fish where the fish are. Of course, this usually means you will have to move and that can be hard for some people. If so, then go back to the previous suggestion and change what you are offering.

To find demand elsewhere, obviously start with online job searches that have geographic information. Many of you are probably doing this already. But go beyond that and try to find out where opportunities are hottest. Where are all the jobs in your line of work? Then learn about that area. Who's the big player? Who's the best fit for you? Who can you contact to give you the inside scoop? The more information you have the better. If there isn't a hot area, then go back to changing the product, and use that information to go beyond the job boards. Get on the phone, network, use social media, and even go and knock on doors.

Bottom Line
Markets are about supply and demand. If there is no demand, supply isn't going to sell. To find a job or close the sale
, you need to sell the customer what they want to buy at a price they are willing to pay. Think about it from the opposite side of the table. Who hires people they don't need? Nobody. So if you want a job, find a need and fill it. (For more tips on job hunting,

Friday, December 25, 2009

Most amazing facts.

01 —MOPED is the short term for 'Motorized Pedaling'.
02. —POP MUSIC is 'Popular Music' shortened.
03. —BUS is the short term for 'Omnibus' that means everybody.
04. —FORTNIGHT comes from 'Fourteen Nights' (Two Weeks).
05. —DRAWING ROOM was actually a 'withdrawing room' where people withdrew after Dinner. Later the prefix 'with' was dropped..
06. —NEWS refers to information from Four directions N, E, W and S..
07. —AG-MARK, which some products bear, stems from 'Agricultural Marketing'.
08. —JOURNAL is a diary that tells about 'Journey for a day' during each Day's business.
09. —QUEUE comes from 'Queen's Quest'. Long back a long row of people as waiting to see the Queen. Someone made the comment Queen's Quest..
10. —TIPS come from 'To Insure Prompt Service'. In olden days to get Prompt service from servants in an inn, travelers used to drop coins in a Box on which was written 'To Insure Prompt Service'. This gave rise to the custom of Tips.
11. —JEEP is a vehicle with unique Gear system. It was invented during World War II (1939-1945). It was named 'General Purpose Vehicle (GP)'.GP was changed into JEEP later.
12. —Coca-Cola was originally green.
13. —The most common name in the world is Mohammed..
14. —The name of all the continents end with the same letter that they start with.
15. —The strongest muscle in the body is the tongue.
16. —TYPEWRITER is the longest word that can be made using the letters only on one row ! of the keyboard.
17. —Women blink nearly twice as much as men!!
18. —You can't kill yourself by holding your breath.
19. —It is impossible to lick your elbow.
20. —People say "Bless you" when you sneeze because when you sneeze, your heart stops for a millisecond.
21. —It is physically impossible for pigs to look up into the sky.
22. —The "sixth sick sheik's sixth sheep's sick" is said to be the toughest tongue twister in the English language. If you sneeze too hard, you can fracture a rib. If you try to suppress a sneeze, you can rupture a blood vessel in your head or neck and die.
23. —Each king in a deck of playing cards represents a great king from history.
—Spades - King David
—Clubs - Alexander the Great,
—Hearts – Charlemagne
—Diamonds - Julius Caesar.
24. —Horse Statue in a Park…
—If a statue of a person in the park on a horse has both front legs in the air, the person died in battle.
—If the horse has one front leg in the air, the person died as a result of wounds received in battle
—If the horse has all four legs on the ground, the person died of natural causes.
25. —What do bullet proof vests, fire escapes, windshield wipers and laser printers all have in common? Ans. - All invented by women.
26. —A crocodile cannot stick its tongue out.
27. —A snail can sleep for three years.
28. —All polar bears are left handed.
29. —Butterflies taste with their feet.
30. —Elephants are the only animals that can't jump.
31. —In the last 4000 years, no new animals have been domesticated.
32. —On average, people fear spiders more than they do death.
33. —Shakespeare invented the word 'assassination' and 'bump'.
34. —Stewardesses is the longest word typed with only the left hand.
35. —The ant always falls over on its right side when intoxicated.
36. —The electric chair was invented by a dentist.
37. —The human heart creates enough pressure when it pumps out to the body to squirt blood 30 feet.
38. —Rats multiply so quickly that in 18 months, two rats could have over million descendants.
39. —Wearing headphones for just an hour will increase the bacteria in your ear by 700 times.
40. —The cigarette lighter was invented before the match.
41. —Most lipstick contains fish scales.

Wednesday, December 23, 2009

The BEST deal for investors: Wine and Chocolate

If there are two surefire ingredients to a happy holidays, they'd have to be chocolate and cocktails. But there's another way to indulge in these treats: in your portfolio. So this year, put your money where your mouth is to enjoy appetizing returns.

Sweet Returns
The U.S. may have been in a recession in 2008, but the U.S. Department of Commerce (DOC) reported that the average U.S. consumer spent 1.1% more on candy ($92.91). The increase appears to have been caused by escalating confection ingredient prices, because the actual amount of candy purchased decreased 4% to 23.8 pounds. According to the National Confectioners Association (NCA), candy makers reaped a 35% profit margin on retail sales. The industry thrives on holiday purchases, with most sales occurring around Valentine's Day, Easter, Halloween and Christmas. What does this mean for investors? The cyclical candy sector may be a tasty portfolio treat.

The Industry
The returns may be tantalizing, but don't just grab at the first sweet opportunity; the $28 billion retail candy industry is very competitive. New and improved products keep consumers coming back, and many companies are working on offering more sugar-free and lower calorie choices. But the biggest seller is chocolate. The recent increased media hype around the health benefits of dark chocolate have given the industry a boost. According to recent research, chocolate containing 70% or more cacao is said to have high levels of antioxidants, which help fight heart disease. Now that's a sweet deal!

Merger and acquisition is a common growth strategy for the confection industry. There are more than 300 major American candy producers. Some of the biggest names are privately held, like Mars and Jelly Belly, but investors can buy shares in The Hershey Company (NYSE:HSY), which currently holds 42% of the U.S. market. The company's recent share price reflects operations struggles, but with a price-to-earnings ratio of 20 - compared to an industry average of 33 - it appears to be a good value. Earnings per share growth is actually down 11% over the last three years, and the company is currently in talks to buy European competitor Cadbury (NYSE:CBY).

American candy exports increased 20% last year, so investors who are looking to diversify may also consider European American depositary note (ADR) Nestle (OTC:NSRGY). Other companies also profit from candy sales. Discount retail giant Wal-Mart (NYSE:WMT), for example, is the leading American candy retailer, with 12.8% of the market according to NCA and DOC shipment reports.

Cheers!
What's the best beverage for washing down a fine piece of chocolate? A glass of wine, of course! In 2009, the Wine Institute reported data from Gomberg, Fredrikson & Associates, which indicates that U.S. consumption of sparkling wine or champagne bounced back to pre-recession numbers, with 8.2 million cases sold in 2008. Americans enjoyed 2.48 gallons of wine per person. Wine imports to the U.S. account for 25% of consumption, mostly from Europe, but wine is increasingly imported from Australia, New Zealand, Canada, South Africa, Argentina and Chile. U.S. wine exports are also increasing. (For background reading, see Parched For Profits? Try Beverage Stocks.)

The U.S. wine industry is highly fragmented. The Department of Commerce reported an 81% increase in the number of wineries since 1999 to about 5,000. The Department of the Treasury Alcohol and Tobacco Tax and Trade Bureau's November Wine Report documents that more than 400 million bottles of wine were produced from January to September, 2009.

New York based Constellation Brands (NYSE:STZ) is the largest wine company in the world, with numerous domestic and international holdings which include beer, wine and spirits. Constellation Brands holds 15% of the U.S. wine market with popular wine brands like Robert Mondavi and Arbor Mist. Competition has made it increasingly difficult to make a profit. The company has been selling off brands and paying down debt.

The U.S. government carefully controls the manufacture, distribution and sale of alcoholic beverages. Ongoing regulation tweaks address concerns such as sales directly from manufacturers to consumers, internet purchases from retailers and widely differing state laws. Most wine distribution and wholesale companies are privately held, with companies like Costco (Nasdaq:COST) blurring the line between retail and wholesale. The $25 billion wine retail industry is flourishing, with new wine-tasting franchises increasing the availability of products to consumers. Retailers are also cutting out the middle man. Wal-Mart and E&J Gallo inked a deal s to offer "store-brand" bottles of wine to customers.

The Bottom Line
The wine and candy industries are complex and fluid, but worth tasting. Investors should consider the entire supply chain. When paired with a diverse portfolio, sugar and alcohol should satisfy a discriminating investor's palate.

Friday, December 18, 2009

5 Ways To Control Emotional Spending

Has shopping become America's favorite pastime? Sometimes it seems that way, with advertising popping up everywhere from billboard trucks to flat-screen TVs in city buses. Advertisers spend billions of dollars annually convincing us that products can make us feel successful, prevent us from being bored, help us attract the opposite sex, and a myriad of other things. When ads are carefully designed to manipulate our spending habits, it's no wonder so many people have become emotional spenders.

Emotional spending occurs when you buy something you don't need and, in some cases, don't even really want, as a result of feeling stressed out, bored, under-appreciated, incompetent, unhappy, or any number of other emotions. In fact, we even spend emotionally when we're happy - what did you buy yourself the last time you got a raise? There's nothing wrong with buying yourself nice things from time to time as long as you can afford them and your finances are in order, but if you're spending more than you'd like to on non-necessities or are struggling to find the cash to pay the bills or pay down your credit card debt, learning to recognize and curb your emotional spending can be an important tool. While avoiding emotional spending completely is probably not a realistic goal for most people, there are some steps you can take to decrease the damage it does to your wallet. (When you do have to shop, shop smart. To learn how, see Five Money-Saving Shopping Tips.)



Impulse Buys
One way to cut down on emotional spending is to avoid making impulse purchases - and that doesn't just mean you should avoid buying gum in the checkout line at the grocery store. Whenever you're at a store - whether brick-and-mortar or online - and you find yourself wanting to buy something you didn't already want before you got there, don't buy it. Make yourself wait at least 24 hours, if not longer, before making a decision about whether to buy the item. You'll often forget about the item as soon as you leave the store. If, after 24 hours, you still really want it but a nagging voice in your head is telling you that you don't need it or can't afford it, try to postpone the purchase for a week or a month so you can think more clearly about the decision. If it helps, keep a wish list of the items you've refrained from buying so that you can ask for them when your birthday comes around or pick them up when you know you can afford them. (To read more about how waiting a day or two can save you big bucks, check out Patience Pays For Consumers.)


Keep the Ad Man At Bay
Take steps to intentionally limit your exposure to advertising. The less you are aware of what's available for you to buy, the less likely you are to develop a sudden "need" for that item. Unsubscribe to the product catalogs that arrive in your mailbox and the promotional emails your favorite stores are always sending you. To further avoid internet advertising, download a program that blocks ads and prevents them from appearing on your screen.

Prevent yourself from receiving unsolicited offers for credit and insurance by providing your name, address, date of birth and social security number to Opt-Out Prescreen. If you have a device that records television shows, skipping commercials is easy. To avoid hearing ads on the radio, switch to public radio, streaming internet radio, a CD player, or an MP3 player. If your spending problem is bad enough, consider unsubscribing from magazines, which are usually full of ads.


Limit Temptation
The next step is to limit your exposure to the situations that tempt you to spend. If it's the mall, plan to visit only a couple times a year, or try shopping online instead. If online shopping is the problem, find other, non-shopping websites to occupy your time, or replace some of your internet time with another activity. If you always find yourself spending more when a particular friend or relative is around, try to schedule free or inexpensive activities with that person, like getting coffee, cooking dinner, or going for a walk.


Make Yourself Accountable
Another helpful strategy is to find ways to hold yourself accountable for your spending. The people you live with or spend the most time with can be your best defense. Tell them that you're trying to spend less, and that you want them to give you a hard time when they see you making an unnecessary purchase. Also, make a list of your financial priorities and put it in a place where you'll see it often, like the refrigerator door or the bathroom mirror, and make a second copy for your wallet, where you'll see it each time you reach for your cash. If you want to take it a step further, put small sticky notes on your credit cards to remind yourself of what you're saving up for.


Find Alternative Activities

If you frequently use shopping as a form of entertainment or as a distraction, try to identify what you're feeling when you want to buy something and choose a more constructive behavior that will help you deal with that emotion. For example, if you've had a bad day at work and want to treat yourself to something nice, call a friend or two. If you're feeling stressed out, get some exercise. If you really just have to buy something, make it something simple and inexpensive, like a book or a small bouquet of flowers - but don't do this every time, because those small purchases really do add up!

Severe Overspending

The simple steps we've discussed may not be enough to address the most extreme cases of emotional spending. For some people, shopping is much more than a pastime - it's actually an addiction called oniomania. While it may not seem like a dangerous addiction, many of the psychological characteristics of compulsive shopping are identical to those of chemical dependency.

Compulsive shoppers tend to spend more than they can afford. They get a rush of endorphins from making purchases, but that rush is often accompanied by feelings of anxiety and guilt over not being able to control the urge to shop or not knowing how the bills will get paid when the latest binge is over. The shame that results from these binges can result in a person hiding his or her purchases and straining relationships when the person feels compelled to lie about the time or money being funneled into the addiction. People with this problem may take a second job to try to accommodate their out-of-control spending habits, but until they address their impulse control problem and the underlying emotional issues that lead them to their destructive shopping sprees, no amount of money will stop the cycle. Due to the sheer number of purchases made and the shame surrounding the habit, many compulsive shoppers have loads of items that have never been used and still have their price tags attached.

If you think you or someone you know may have a shopping addiction, 4Therapy.com's compulsive shopping quiz might provide some answers. As with any other addiction, identifying the problem is the first step toward overcoming it.

Conclusion
The goal here isn't to stop buying anything fun - if we didn't occasionally buy enjoyable things with our money, it would be difficult to get up and go to work every day. However, by becoming more conscious of your shopping habits, you'll develop greater control over your finances and you'll be able to really enjoy the purchases you make without the dread and guilt of having spent too much.

Thursday, December 17, 2009

Why the Apple phone will fail, and fail badly

The hype is reaching fever-pitch, and the odds are still stacked that Apple will announce a device combining the functionality of an iPod and a mobile phone in January next year, but whether such a device will actually sell is another question.

There seems little question that an Apple phone product will be launched in 2007, and that it will work with the iTunes service and have a very pretty industrial design and a smooth interface. Strapping an iPod to a mobile phone is not a great technical challenge, which makes it all the more remarkable that Motorola did it so badly with their ROKR handset. Maintaining the features which made the iPod so popular in a mobile phone will be much more of a challenge.

The iPod brought with it amazing industrial design, a well designed interface, and a new usage paradigm. Portable music players already existed, but the iPod was better looking and easier to use. It also came with the promise that you didn't just carry music with you, you carried all your music with you. That factor alone changed the way portable music was perceived, and was central to the adoption of the iPod.

The iPod has moved away from that paradigm, with the Nano and Shuffle only able to store the most diminutive music collection, and recent rumours suggest that an Apple phone will have 8GB of flash-based storage; comparable with the Nano. But it was that function which sold the concept to many people, with the style and simplicity of use keeping them hooked.

It is important not to underestimate the importance of the iPod industrial design, or its scope. I recently had to sit in a pub as two iPod fans reminisced about feelings when opening their first iPod box, and their overwhelming admiration not for the product, but for the box in which it came. It was sickening, but demonstrated the loyalty iPod fans feel, and the expectations that will need to be met.

The clever design of the iPod stretched into the software - the clean and simple interface is indeed easy to use, and users seem very comfortable with iTunes on their PC. But creating a simple interface for a single function is one thing. Replicating that experience to manage all the functions of a mobile phone is another thing entirely.

Mobile phones are not complex to use because of bad interface design, they are complex to use because they are complex devices with a myriad of features. The fiercely competitive mobile phone business has driven interface development at an astounding rate: it has become de rigueur for every new handset to feature a revolutionary new interface mechanism.

Apple is extremely good at creating simple interfaces, and it is likely that the Apple phone will have a pleasing interface which is relatively easy to use and recognisably iPod branded, but it won't need to appeal to the iPod users, it will need to appeal to the network operators.

Who buys mobile phones?

When a manufacturer launches a new mobile phone handset they take the specification, or prototypes, round to the network operators and try to convince them that this phone will be the next big thing. In most markets mobile phones are sold to customers with an enormous subsidy provided by the network operator, who intends to make the money back through additional service use.

The operator will have a list of features they like and will compare that list to the newly-developed phone to calculate the subsidy: a camera might be worth a fiver, while a one-touch-to-send-MMS button could be worth £20. The idea is that easier access to more premium features leads to greater revenue, and thus pays off the subsidy.

In this way a phone that might cost hundreds of pounds can be given away for free, depending on the tariff, and the industry is sustained by customers paying off the cost of their handset over several years.

It's not just features which contribute to the negotiated subsidy. Big advertising by the manufacturers also contributes as networks want to offer popular handsets at low prices, particularly in markets where network choice is often decided by handset availability and price.

Exclusivity will also enhance the subsidy - as little as a month's exclusivity on a handset will massively increase the subsidy, and the amount the network operator will spend promoting deals involving the handset. Few manufacturers will agree to this, but some can be convinced.

Mobile phone manufacturers know this, and have copies of the network operators' features lists, as well as a clear idea of what kind of deals are available. The industry is competitive, but tightly organised and pretty incestuous as staff move between operator, manufacturer, and supplier while maintaining their contacts and golfing partners.


Monday, December 7, 2009

iPhone App for Credit Card Processing

Apple had no idea when it launched its iPhone that it would be releasing about 5 million mobile credit card terminals into the hands of business owners. That’s exactly what Apple did. The sleek phone has been turned into a mobile credit card processing device, thanks to an impressive little application called ProcessAway.

imageThe software is made for an Apple iPhone or iPod Touch and works over any available network connection. Transactions can be processed at places such as conventions, street fairs, antique shows, and by business owners performing mobile detailing, on-site consultation or construction. The list is endless on who could benefit by offering the convenience of accepting credit cards on the spot and the confidence of getting immediate authorization for a credit card payment.

Business owners can use their iPhone to conduct real business. The ProcessAway software utilizes the Authorize.netgateway. Authorize.net was one of the very first Internet payment gateways and today they have one of the largest customer bases. They are continually releasing new and innovative tools to make their payment gateway even more powerful. The Authorize.net API is what fueled the development of ProcessAway and allows the millions of iPhone (and iTouch) users to turn their device into a credit card terminal.

The business owner is not limited to mobile transactions through their device. The Authorize.net merchant account used with ProcessAway includes an option to download transactions into Quickbooks and also a comprehensive Virtual Terminal. This gives business owners the benefit of processing transactions out of the office with ProcessAway and in the office through the web-based Virtual Terminal, all with a single account. Even though the Virtual Terminal is available, ProcessAway was designed as a stand-alone comprehensive processing solution that can be used effectively in any environment.

The ProcessAway software will be sold through the iTunes AppStore for $19.99. A fully functional free version, called ProcessLite, is identical to ProcessAway except the charge amount is limited. Additional information, screenshots, and FAQs can be found at http://www.processaway.net/. Both ProcessAway and ProcessLite were submitted to Apple for review on January 26, 2008, and will appear in the AppStore according to Apple’s approval schedule.

Thursday, December 3, 2009

Walmart Features $10 Deals on Top Fragrance Products




SOURCE: Walmart

Saving money never smelled so sweet. Walmart's (NYSE: WMT) unbeatable prices* make it easy for customers to purchase best-selling fragrances this holiday shopping season. At Walmart, dozens of fragrance products start as low as $10**, providing shoppers young and old with the perfect gift-giving solution for 'tweens and teens, best friends, sisters and brothers, moms and dads, or a fellow fragrance fanatic.

"Fragrances as low as $10 each"


Curve for Men

-- A popular scent that blends lavender, clove, bergamot, lime and cedar.

-- By Liz Claiborne

-- .50-ounce cologne spray


Lucky You for Ladies

-- A crisp fragrance that blends grapefruit, hyacinth, jasmine, musk and

amber.

-- By Liz Claiborne

-- .50 oz


Curve Crush for Ladies

-- A modern scent that combines crushed citrus, chai latte and flower

nectar notes mingled with white orchid, lily of the valley, creamy

licorice and musk.

-- By Liz Claiborne

-- .50 oz


Wild Musk Cologne

-- This feminine scent possesses a blend of flowers, vanilla and musk.

-- By Coty

-- 1.50 oz


Curve Crush for Men

-- A clean herbal scent with backgrounds of warm musk and moss.

-- By Liz Claiborne

-- .50 oz


Stetson Cologne Spray

-- A rich masculine blend of rugged wood and spices.

-- By Stetson

-- .75 oz


Jovan Musk for Men

-- A blend of exotic spices and woods with the seductive power of musk.

-- By Jovan

-- 1.0 oz


Lucky You for Men

-- A crisp fragrance that blends the scents of musk, cotton flower, yellow

sweet clover and herbs.

-- By Liz Claiborne

-- .50 oz


Red Door for Ladies

-- This feminine scent possesses a blend of red rose, violet, jasmine, lily

of the valley, and orchid.

-- By Elizabeth Arden

-- .33 oz


Polo Sport for Men

-- This sporty fragrance contains seaweed, algae and mint and is accented

with nutmeg, oakmoss and sandalwood.

-- By Ralph Lauren

-- .375 oz

"Designer Fragrances**"

Select Walmart stores also offer high-end designer fragrances, all at unbeatable prices* ranging from $22 to $70. Popular brands include select Burberry, Trésor, Tommy Hilfiger, Calvin Klein, Ralph Lauren, D&G, L'Eau d'Issey and Acqua di Gio fragrances.

"Gift Sets"

Walmart is offering select fragrance gift sets for under $30. From traditional fragrances like White Diamonds and Drakkar to celebrity signature scents like Mariah Carey, Jessica Simpson and Sean John, these fragrance gift sets are sure to please everyone with a passion for the perfect scent.

Many fragrances are also available at Walmart.com.

* Our stores will match the price of any local competitor's printed ad for an identical product. Not applicable to Walmart.com. Restrictions apply. See store for details.

** Availability may vary in certain stores and at Walmart.com.

Wednesday, December 2, 2009

Christmas Deals 2009