When you are seeking debt advice, you will hear lots of different stories. Everyone will have their own quick fix for your debt woes. You will hear stories from people about how they had all their problems erased by filing bankruptcy. They will tell you that they went from owing lots of debt to having no debt at all.
One thing these people do not tell you, however, is that filing bankruptcy will bring unexpected consequences to your life. For example, you may not be able to keep your home. If you own a business, it may have to be closed too. You could have to inform potential employers that have filed for bankruptcy. Some of these companies may not hire you due to this.
Other people might tell you how they tried to negotiate with their credit companies or the companies that hold their loans. They might tell you that these companies are not able to be negotiated with. With a professional credit counsellor at your side, however, many credit companies are willing to negotiate with their customers. Indeed, many of these credit companies are willing to offer very attractive options in order to help their customers to get back on their financial feet.
Debt advice is really quite straight forward. There are no easy and quick fixes,though. It will take time for a credit counsellor to gather the facts about your finances from you. You will then be presented with choices that the credit counsellor suggests could be in your best interest based on their vast wealth of knowledge. In addition, the credit counsellor will answer any of your questions regarding the options available to you.
You don’t have to be alone in the debt process. A professional credit counsellor could be there with you every step of the way in order to ensure that you understand what is happening. The credit counsellor will try to negotiate the lowest possible monthly payment from your creditors for you. This is so you have more money in your pocket each month. Having more money will help you get to the end of each month before you get to the end of your money. Help also requires a change in lifestyle and the combination could help you get closer to financial freedom.
It is important to make sure that you are taking debt advice from a professional who is trained in financial matters. This will help to ensure you are given the correct information from the most up to date sources. Professional credit counsellors must stay abreast of the latest news and developments so they are able to help consumers.
There is no doubt nearly everyone with a job is fearful the endless series of job cuts might eventually take away a formerly safe job. At the same time those who have already been victims of the economy are striving to compete for the few jobs that become available. To make matters worse, according to the August 14, 2011 issue of “The Atlanta Journal–Constitution,” the most recent reductions in professional services such as law, accounting and finance is on a magnitude not seen in the previous recession.”
Given this dire news, one has to wonder if, given equal skills, what are the differentiators that could keep you employed, or win you a job against your competitors. The answer is effective oral and written communications, as well as a sense of self that broadcasts confidence and poise.
For instance you must ask yourself:
· Am I getting the desired results when I interview, chair or contribute to a meeting, make a presentation, and converse with my peers and supervisors?
· Do I get too many additional questions later, indicating I don’t get enough information across the first time?
· How often do I have to repeat my points in my emails or hold still another meeting?
· Does my body language demonstrate strength when speaking with a colleague or supervisor? (For instance, do you slouch or put your hands in your pocket, when you should be standing straight and using strong hand motions that indicate confidence and authority)?
· Does my wardrobe indicate professionalism? These days the casual Fridays have become too casual and have spread to the rest of the week. That doesn’t score points. However, those men who wear a well-fitting suit or sports jacket and tie are respected at first glance, while women should wear either a conservative dress or skirt and blouse that indicate style and taste. In other words, leave your flip-flops, jeans, work shirts and leggings at home, and do everything possible to cover tattoos. While it is almost a given for the younger generation, an employer or potential employer from the boomer generation typically looks upon tattoos with disdain.
If your answers to these questions indicate you’re not as skilled in communications as you are in your own field, you have to find a way to improve. When you received training, the subject itself was of utmost importance. However, when you reach the workplace, given two candidates of equal competence in the field, the job will be awarded to the person with better communications skills.
As a career counselor, career guidance professional, staffing executive, HR professional who has hired or placed 1,275+ individuals, I continue to read about geographical areas where unemployment is very low and jobs are abundant. Some areas Washington, DC; San Jose, CA; New York City, NY; Boston, Hartford…. are among the best cities in the U.S. to find a job. But if you don’t live in the “hot job market” how do you find a new opportunity? There are a few possible answers: Look for contract positions or consider moving. For Finance professionals, the job market all over has been steadfast and good for years. But you first need to stay focused, and here are some helpful hints to improve a financial person’s probability for obtaining a job:
Solid and current knowledge of GAAP and GAAS.
Leadership roles in financial statement audit, review and compliance engagements, and government audits (GASB).
Be on the leading edge of instituting internal control policies / procedures for clients and document your contributions.
Present audit results for managers, owners, directors and audit committees and again document your contributions.
Several other areas to give you a better chance at finding a new job in the financial area are continued and factual training in tax and assurance updates, industry specific updates and case-ware training.”Audit and/or “procedure review” seem to also give some added strengths to the financial job seeker. Another key factor is continuing education. If the market is tight in your area, take steps to start and complete an MBA from a recognized and accredited university. Once you have a strong MBA, the degree will be used as a “leverage factor” the rest of a career. If you need help in determining a path-to-success, seek a professional assistance for a reality check and get immediate career advice.
Stock market is definitely a thing which usually can be considered really difficult from most of the people. It requires a lot of effort for people to realize just exactly what is definitely happening on this market and don’t are able to understand the general trends so simply. Studying the actual stock markets is becoming quite simple these days with the appearance of the online stock trading courses. Now it’s easy for everybody to sign up by themselves into an on-line stock trading courses and discover the hardest techniques. In case you are unfamiliar with this kind of area and also have recently began then you may be interested in taking the stock market trading courses which will be definitely ideal for you to be able to understand all the things concerning the stock market.
It is a good way of understanding brand new and also very difficult ideas because these lessons have been developed specifically for much better education for new people in this specific area. These kind of programs are usually taught in ways which are most efficient for starters as well as beginners. You’ll be able to increase your knowledge about trading stocks in a very good way and will easily turn into a specialist immediately. The stock trading courses instructs about the easier ways which tend to be utilized for increasing the abilities of individuals by giving them total instruction sessions. As these people are starters training courses will be complete to guide them about the following steps that they will follow in order to be able to turn into a qualified for the area.
This online course for starters has become definitely popular in individuals because the vocabulary of training are really easy and the terminology used is easier to comprehend. Individuals don’t have to get assist by any kind of additional source because these types of trainings tend to be sufficient in order to explain to you almost everything concerning the stock trade. The stock trade program becomes really simple and also you would certainly appreciate knowing about this kind of topic as you’d have no problem in being able to access the programs and courses.