Short Term Disability Insurance Tips And Facts By: Marilyn Katz | - Many of us worry about our health insurance plans. You can hear it in discussions, and you can read it all over the news. We want to make sure our medical services get covered in case we get sick or hurt. However, we hardly ever think about replacing our incomes in case that same illness or injury makes it tough for us to go to work and get paid! Have you thought about how you would pay bills if you lost your job?
How Long Can You Collect Unemployment? By: Lisa Bishop | - If you have been fired from your job for some reason, or there has been a massive reduction in your working hours, you will be eligible to apply for an unemployment insurance claim. If you are not sure about whether you qualify for this or not, the best place is to look online for your local state laws governing the matter. All you have to do is type in the name of the state you worked in and you will easily be able to find the official website of that area's state unemployment office. After you ... Tags:Apply for Unemployment, job loss, Unemployment, Layoff, Job Search, Unemployed, Job Market, how do I get unemployment, steps to file for unemployment, Ca
Good Job But Lousy Credit? Low Down Payment Mortgages Available By: Nathan Randall | - I receive calls regularly from people who have good jobs, steady income, but for one reason or another, their credit score is low. It may be due to a nasty divorce. Or maybe there was a previous job loss which caused late payments. Most lenders don't care why the score is low, it is what it is.
But there is still an option to get a mortgage without seeking private money sources. An FHA loan is a mortgage loan fully insured through the Federal Housing Administration (FHA) and issued ... Tags:Credit, Credit Scores & Repair, Divorce, Job Loss, Mortgage
Ways To Protect Your Home From Foreclosure By: Marilyn Katz | - With today's weak economy, high jobless rates, and declining home values, it can be very hard to protect a mortgage against foreclosure. In fact, there is probably no foolproof way to do it. However, you may be able to take some action to make your own home loan a lot more secure! See if these tips can help you.
Insurance Tips You Probably Did Not Know About By: Marilyn Katz | - Insurance agents are busy people, and like all of us, they can get into a rut. However, I have been suprised to realize that they do not always catch all of the discounts that their clients could get on different policies. As a consumer, it is up to you to understand these price breaks so you can make the most of your insurance dollars.
How To Get Health Care When Unemployed By: Marilyn Katz | - A little of half of Americans actually get their medical plan from work. The other half has to seek other private, governement, or community based alternatives. This can be true if you have lost your job, or if you have a job with no medical benefits.
Some can purchase private medical plans. Others rely on government governement benefits. This can be a real problem during periods of unemployment. Since the US unemployment rate is still fairly high, many families are struggling to pa ... Tags:health, insurance, health insurance, medical plans, group heath, COBRA, unemployment, job loss, employment, finance
How To Know When To Call In Professional Home Repair Specialists By: Marilyn Katz | - Weekend home improvement warriors beware! There are some projects you should never, ever try to tackle on your own. While you may be willing to give just about any home repair project a shot, if you get involved in projects that are just way over your head, you may make an even bigger mess of things. Worse yet, you may put your home and your family in danger by dabbling in serious repair jobs. If you need to call an electrical contractor for electrical services, it does not make you any less of ... Tags:maternity, pregnancy, health insurance, medical care, medical insurance, low income, unemployment, job loss, healthy baby, save money
How To Accept The Unacceptable By: Denise Ryan | - I wrote an article about the about the stages of grief, and while writing it, realized they are also the stages of dealing with change. As an example, I just found out the builder took some shortcuts in building my house which are going to cost me close to $9,000 to fix. I pretty much went through all those stages—denial, anger, bargaining, depression (I'll be there again when I write the check), and acceptance. The secret to a happy life is making the time between denial and acceptance ... Tags:Denise Ryan, FireStar, motivational speaker, how to accept things, acceptance, dealing with change, how to cope with a job loss, how to cope with a breakup
How To Fight Depression For The Unemployed By: Dave LaShier | - It is 2011 and this year I will be turning 50 years old which is very depressing! While I have always been a very fit and athletic individual I have decided to make this year fitness focused as I truly believe in the benefits of becoming the most fit person I possibly can be.
So what are those benefits you may ask? Well for starters whenever I am in a fitness phase of my life, which has been the vast majority of my life, I feel more in control! I can't explain why that happens, or ... Tags:career coaching, fitness, How To Fight Depression, job loss depression, job search
Got Stress And Burnout At Work? Hypnotherapy To The Rescue! By: Laurie Miller, CCH | - Modern day hypnotherapists are mad. They are steamed at the old stereotype of the evil hypnotist swinging the pocket watch and murmuring "You are getting sleepy, sleepy, sleepy". Hypnotists have long been associated with the occult or entertainment hypnosis. It is not uncommon for new clients to ask "What are you going to do to me?" "You're not going to make me cluck like a chicken, are you?"
6 Tips For Coping With Job Loss By: Ryan Camana | - Even when the economy is doing well people suffer from the loss of a job. It may be the business has failed or that you've been replaced by someone else. What you need to keep in mind is every door that closes opens a new one. It could very well prove to be the best thing that ever happens to you. Keeping a positive outlook and seeking out the benefits of taking stock of your life can help enormously in dealing with the anxiety.
Here are some tips to deal with the unpleasant exper ... Tags:job loss
Finding Health Plans While Out Of Work By: Patty Heron | - A job loss is always tough. In the US, the unemployment rate is still quite high. The experts tell us it will not go down soon. In addition to worry over money to pay bills, many people lose health insurance benefits when they lose their jobs.
There are some good unemployment heath plan choices though. It will be worth it to find out what resources are in your own area before you need them because of an urgent health need. The best choices for you and your family will depend upon your ... Tags:unemployment, job loss, health insurance, COBRA, Medicaid, CHIPS, layoff, insurance, family, budget, finance, money, economy, health
Did You Lose Your Job And Your Health Plan? By: Marilyn Katz | - Many people in the US are worried because of the high unemployment rate. Things are bad, and the guys on TV tell us it will not get better soon. One of the biggest problems that many unemployed people face is the loss of their health benefits.
We need to look at some ways to get health care and prescriptions when we are out of work. You do have choices, even when you lose your job, but it can be hard to find the best one. The best choice will depend upon your own unique situation, a ... Tags:layoff, job loss, unemployment, health insurance, COBRA, major medical, prescriptions
Can I Get A Job If I Am In Bankruptcy? By: Jim Brown | - There are many who hold the misguided view that bankruptcy is something reserved for the irresponsible. But given the financial reality of our world today, that's simply wrong. For many, bankruptcy is a solution to the debt problems that threaten the livelihood of their families.
Along the same lines, many people still think that having a bankruptcy on your credit report will make it impossible to get a job. Everybody knows that its hard to find a job right now. It is true that some ... Tags:bankruptcy, chapter 7 bankruptcy, job loss, medical bills, chapter 13 bankruptcy
Overcoming Fear When Unemployment Strikes By: computerwealth | - Worldwide and particularly in the United States, the economy is shedding jobs. The unemployment statistics are meaningless when it happens to you. The natural, human response to job loss is FEAR. FEAR is False Evidence Appearing Real, but when its occurring to you, it certainly feels real. There is, however, another way, the way of Love, Trust, and Freedom.
Job Loss - The Impact Of Job Loss On Men! By: Maria Parkinson | - Job loss is extremely stressful. It is even more so for men who have put their whole lives into their work; conditioned from the moment they are born to be the "provider and breadwinner".
A man's employment provides more than just income; it provides self-value, a sense of purpose and stability (though, maybe a sense of false stability) in the world.
Redundancy - How To Accept Redundancy And Move On In Life! By: Maria Parkinson | - Job loss is one of the most stressful events in life, no matter how it comes about. The word redundant means "no longer needed" and this can have far-reaching emotional effects on workers.
If you have been made redundant, it is vital to recognise that you are going through a "death" experience and allow yourself time to grieve.
Making Money After You Have Been Laid Off By: Judy Wellham | - Many people who lose their jobs face tough times. Some even lose a grasp on reality and do not go out an attack the problem they are facing. One problem is how to make money once you have been laid off and we will talk about that in this article.
You might be surprised to know that there are many options for you when it comes to making some immediate money. There are things you can do that do not involve getting a new job right away.
Made Redundant And Thinking Of Starting A Business? Like This Number Cruncher, You Need A Passion By: Allison Galbraith | - One option following redundancy is to start your own business but what to choose? I reckon a good starting point is to follow our passion, for if we are to use our redundancy payout towards starting a business we have more chance of making it a success and enjoying it if we choose something for which we have a passion..
My thoughts on this topic were triggered at a meeting earlier in the week with some accountants yes really!
Made Redundant And Finding It Hard To Let Go By: Allison Galbraith | - Redundancy can be a challenging time for many reasons but one aspect that is often forgotten is that of letting go of the past. When you are made redundant, your activity is naturally focused on sorting your future out, but it can be beneficial to spend time making sure you have let go of the past so that you can properly move forward. Here are my top five tips on letting go of the past following redundancy.
Made Redundant And Considering Your Options? By: Allison Galbraith | - For many of us, our first instincts following redundancy are to secure a position which pays the same as our lost job. We have a certain lifestyle in place which requires a certain amount of money each month.
It might, however, be worth taking a step back and thinking not only about continuing with our current lifestyle, but how much we would actually need to life a life that will truly make us happy.
Redundancy And Beyond By: Allison Galbraith | - There are many paths open to us when facing redundancy. How do we know which one is right for us and who is best placed to give us advice?
The options might include:-
a. Finding another job. Within this there are further options. Do you find a job:-
i. similar and in the same area to the one you just left?
Could be the safe bet provided there are vacancies
ii. in the same industry but at a more junior level?
This might be for you if you are not (or are ... Tags:career, redundancy, Allison Galbraith, job loss, support,
What Does The Us Fidelis Bankruptcy Mean For Workers In Wentzville, Missouri? By: Jim Brown | - The US Fidelis bankruptcy hit the workforce of Wentzville, Missouri hard. The 2009 layoff effects are still being felt throughout the greater St. Louis area. More than 500 workers were left without jobs and without a way to protect their families.
Claim Your Power: Don't Let A Life-altering Crisis Ruin Your Life By: Nancy D. O'Reilly | - She thought nothing worse could happen. In the past six months Susanna had broken her leg, lost her dog, and found that her boyfriend of four years was cheating on her. Then on Friday, her supervisor told her they had to cut her hours...AND her pay rate. Awful, yes, but it kept getting worse!
Her landlord told her that he could no longer afford to provide rent-controlled housing; and the hospital has turned over the emergency room charges for Suzanna's broken leg to the collection ... Tags:job loss, foreclosure, illness, insurance, downsizing, heartbreak
Career Advice: How To Cope With Layoffs By: Ramon Greenwood | - The news media rarely skip a day in reporting the grim economic news and calculating the number of jobs lost in the United States since the recession started in December, 2007.
But those reports do not take into full account the collateral damage caused among family, friends and co-workers of those who have lost their jobs.
Dealing With Your Job Loss By: Jennifer Howard PhD | - Due to our economic times, job loss is becoming more and more common in households. So many different emotions surround this issue, whether you are the one dealing with the job loss or someone close to you.
YOU ARE NOT ALONE
As a psychotherapist, I've worked with many clients through the years who have lost their jobs either while they were in my practice or came to me so that they could deal with the loss. As with all difficulties, it is most helpful to use our persona ... Tags:job loss, personal development, spiritual growth, dow jones, unemployment, emotions
Refreshing Relationships With Your Boomerang Kids By: Rosemary Lichtman, Ph.D. | - Robert Frost, in his poem, Death of the Hired Man, wasn't thinking about boomerang kids when he wrote, "Home is the place where, when you have to go there, they have to take you in." But he sure might have been.
In this economy, adult children are moving back home in record numbers - for many different reasons. Some are being frugal and planning ahead of the curve. They want to set aside money to buy a house or other large purchase and arrange to put what they save on rent into a ... Tags:boomerang kids, Sandwiched Boomers, economy, credit crunch, job loss, bankruptcy, CC&Rs, PlanB, family, gap
10 Quick Tips For Job Hunting After Being Laid Off! By: Sherry Tingley | - When people lose their jobs, it's a devastating experience no matter how tactfully they were told they were no longer needed. The life they once knew as financially and emotional secure has been ripped away. According to many sources this loss is similar in intensity to a divorce or death.
Here are 10 quick tips for surviving a job loss.
1. Be grateful for at least one thing in your life on a daily basis. It's so easy to get angry about situations beyond your control. ... Tags:job loss, job hunting, laid off, 10 quick tips
A Game Plan For Lost Job By: Kevin Tyler Smith | - A lost job is pretty common place due to the recession. This is because companies would rather fire people rather than let the company go under. If you one day went to work and got the pink slip, you have to know what to do when you lose your job.
One thing you can do is update your resume and then try to find a new job. If you worked in a certain field for many years, it is possible that your experience makes you well qualified to take on a position in another company. Tags:loss job, loss jobs, lost job, lost jobs, loss-of-job, lose job
Tactics To Avoid Being Laid Off During The Recession By: Sharon Alexander | - With the economy the way it is you might be worried about your current job status. This is understandable because everyone is feeling the credit crunch in many different ways. However, if you want to avoid the impact of job losses you there are several things that are necessary to do.
Part of what is necessary is not to worry about loosing your job. Of course this may not seem like an easy tactic to avoid job losses but the point is that you will attract a job loss if it stays on ... Tags:lay-off, laid off, down sizing, job loss, job losses, redundancy
How To Achieve Family Flexibility In Times Of Financial Flux By: Rosemary Lichtman | - As Leo Tolstoy put it in Anna Karenina, "Happy families are all alike; every unhappy family is unhappy in its own way." What about other family traits? Are families who are flexible all flexible in the same way? And are rigid families each set in their own ways?
Happiness Is Doing Meaningful Work And Having A Supportive Community By: Alvah Parker | - Having a community is important to your health, happiness and well being. "There are few better antidotes to unhappiness than close friendships with people who care about you", says David G. Myers, author of "The Pursuit of Happiness".
"Sadly, our increasingly individualistic society suffers from impoverished social connections, which some psychologists believe is a cause of today's epidemic levels of depression," Myers writes. "The social ties that bind also provide support in ... Tags:Meaningful work, happiness, support system, friends, supportive community, job loss,
How To Survive A Recession. A Personal Guide By: Rich Simpson | - Recession! If you haven't been affected by it yet you must be in a space capsule whirling aimlessly around the globe. Unemployment rates are at record highs. People are struggling to pay the rent, mortgage, buy groceries while desperately searching for work before their unemployment checks stop coming. That's the economic side, bleak as it is, of the recession, but there is also a personal side which can affect you with equal negative impact.
Step 2: Do not take it personally, but take it very personally.
Step 3: Celebrate the next cycle of your life
I can hear you saying "There are bills to be paid. There is an ego that needs massaging. How will I cope until I can find another job during a time of recession? And she says I should relax and celebrate?"
Surviving Job Loss: 5 Simple Ways To Deal With Job Loss By: Michael Lee | - Surviving job loss in this urban jungle is quite challenging. Your source of income disappears, your confidence shatters and you find it difficult to move on. You feel negative all the time and wallow in self-pity.
To get out of the rut, you need to start being active again. Below are 5 ways to surviving job loss.
1.) Get back out there. So your company was so stupid, they let you go. Fine. Payback is heck. You will find something even better. But here's the deal - you have to get back out there. Update your resume. If you don't know how to do it, get help. Use social networking sites to help you reconnect with all the people you ever knew. Attend networking events. WORK IT! Action will ALWAYS make you feel better. And i ... Tags:surviving job loss, job loss, Denise Ryan, FireStar, getting fired, job search
Roadblocks Or Signposts Along The Journey By: Janice Burroughs | - The first line of a short hymn from my childhood church is "Praise God from Whom All Blessings Flow". It came to mind this morning upon reflection of the role of blessings in our lives, and the various forms they may take. Some blessings are appreciated only in hindsight, as pain may be the starting point for a blessing "in disguise".
Dare To Dream: The New President By: Janice Burroughs | - My life events are not unique. Just listen to the passion of the 2008 campaign as people struggle within the greatest country of modern times. Many have lost homes, retirement savings, jobs, and health benefits. They may lose more if their marriages or health do not survive the stress.
Jobs In The United States Are Going Up In Smoke By: Aydan Corkern | - Did you know that the number of job losses this year has been higher than the past few years combined? People have been losing their jobs left and right due to pay cuts or the company losing their contacts and customers. When this happens people lose their homes and cars, and their credit will go down the tube, making it much harder for them to get by.
The bank will declare a foreclosure on your home and will give you so many days to move out, whether you have a new home to go to ... Tags:job, loss, economy, smoke, business, homes, foreclosure
Forced Job Loss - The Early Warning Signs By: Dorothy Tannahill Moran | - In these days of uncertainty, the idea of forced job loss (better known as getting laid off) is a bit more terrorizing thought than in days gone by. Right now, job loss means facing the possibility that there are fewer jobs out there to get and employers being unclear if hiring is the right business decision. It's a flaky situation for sure, but there are things you can do to prepare yourself before the pink slip comes your way.
Job Loss Increases Due To Recession By: Bruce A. Tucker | - Currently the economy is as bad as I can remember in my lifetime and that dates back fairly far. People are losing their jobs on a daily basis, and although things may seem bad, there is always hope.
According to Linda Stern of Newsweek, "In February, 63,000 U.S. jobs evaporated; 17,000 were lost in January. The job market is deteriorating just as a generation of workers is looking to move up a rung."
"People in midcareer are getting jobs now, though they really hav ... Tags:job, loss, increase, recession
How To Approach Being Downsized From Your Job By: JC Calhoun | - Recently, I was downsized by my company and advised that my position had been eliminated. My boss calmly called me on the phone and said that it was nothing that I did wrong, just part of the ongoing restructuring of our company. How did I feel about the situation and what am I doing to get back on my feet? Please read on and you will see how I am coping and may find some ideas to help you or someone you know who is going through the same.
Living Life Moment By Moment By: Linda Dipman | - I watched as my four year old grandson and his two year old sister giggled while running in circles. The energy that swirled around them electrified their eagerness to see who could run the fastest and last the longest before they collided and fell to the floor in continued laughter. Immediately they would jump to their feet and begin the game all over again.
Losing Your Job, The First 48 Hours By: Brad Miller | - The first two days after losing your job can be crucial to setting the tone of your recovery plan. Start with high energy and you'll build positive momentum to help you through. The tips below are organized by hour starting from the end of the work day.
Zero Hour: Stay positive! Stay rational.
Whatever you do, you have to keep your attitude positive. You'll need all your energy to land on your feet. The last thing you need is to start feeling sorry for yourself or ... Tags:health insurance, job loss, getting fired, health insurance quotes
Finding Your Own Strength When Those You Love Aren't Supportive By: Carol McClelland | - If your "family and friends" don't honor and respect what you need when you are going through a period of loss, you may decide you need to limit your time with them for the time being.
Although this is a difficult thing to do, It's incredibly important for you to surround yourself with people and situations that support you in healing and moving forward.
People who want you to be exactly who you were before your loss, aren't clear on the concept. It's likely they ha ... Tags:Loss, transition, grief, divorce, addiction, relocation, illness, diagnosis, cancer, job loss, natural disaster, friendship, loved ones, family, paren
What To Do When The Holidays Trigger Your Feelings Of Loss By: Carol McClelland | - If you've experienced a difficult loss this year or in recent years--a death in the family, an illness, a divorce, a job loss, a natural disaster or a combination of losses--you may find the holidays retrigger your feelings of loss.
In fact, you may be surprised by the depth of your emotions, the clarity of your memories, the details you recall, and how quickly you are taken back to your original loss. The flashes may happen so rapidly that they catch you off guard.
