College Scholarship: Guide to Parents on Getting Financial Aid for their Children

College Scholarship: Guide to Parents on Getting Financial Aid for their Children

 

Many believe that being a parent is the happiest moment in the life of a human being. Probably you still remember the excitement that you felt when your wife gave birth to your first child. There are times that you will not sleep because you want to take care of your child even in the midst of the evening. You want to ensure that he/she will sleep soundly through the night.

 

It is true that happiness comes with children in the family. However, such happiness could be achieved if you are responsible enough with your children. You need to provide all of their needs, starting from their infancy until the time that they are studying. Although it will really cost you a lot, you have the responsibility to your children, especially in giving them the education that they need.

 

If you have children who are now going to college, you have to think of their financial needs. Probably you still remember your own collegiate years and you are aware of the financial needs of an ordinary college student. However, the difference is that you are now the parent—you will now be the one to think of the different payments that you need to settle for your children's college education, such as college application, scholastic assessment test expenditures, transcript of records, and others. Add to it the lodging and food allowance of your children if the college or university is far away from your own residence.

 

Thinking all of these college-related expenses could be overwhelming and bothering as well, especially if your salary is not enough to support such expenses and your family's financial needs at the same time. But if you know how to get a college financial aid for your children, you will find out that everything will work out smoothly.

 

How you will start your search for the college financial aid for your children? Here are some tips that you can start with:

 

• When your children are still on their high school years, you should start searching for potential universities that offer college scholarships for deserving freshman students as well as financial aid programs funded by different organizations. You may start your search on the Internet to look for possible college financial aid options for your children.
• Once you find a prospective university, visit their main office and inquire for any college scholarship or financial aid offers.
• Always ask for the cut-off dates of filing and submission of college financial aid application forms.
• Tell your children about the importance of a scholarship to their college education. Make them aware that they have plenty of options to consider as long as they have good high school scholastic records. In this way, you will be able to motivate them to study harder and make good grades, thus increasing your chances of a good financial aid.
• You may also consider filing an application for financial aid programs funded by the Federal government. State-owned colleges and universities offer this kind of financial assistance to qualified and deserving students who want to pursue their college studies despite of financial difficulties. You may submit the FAFSA (Free Application Form Student Aid) personally.
• Make certain that you have completed all the FAFSA requirements (such as present statement of bank accounts, monthly income records, present mortgage information, and others) and understand the rights or specialadvantages before accepting the financial aid for your children. You may also check if the financial aid is renewable.

 

With different financial aid programs such as college scholarships and federal grants, you are assured of a bright future for your children despite of the financial difficulties that you are currently experiencing.

 

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College Education: Scholarship Grants or Financial Aid?


How much is the cost for a college education?

Is there an available financing scheme?

Let�s face the reality. College education is expensive! A lot of parents do a double take when their children are preparing and looking forward to attending a community college or a state university.

There are a lot of things which comprises the cost of college education and the tuition fee is just a part of the big picture of getting into college. Other everyday expenditure includes food, transportation, housing, pocket money, and other miscellaneous fees which when added up can create a significant portion in financing a college education.

A lot of families in this day and age, even if they belong to the upper-class society, think about applying for financial aid. College grants and scholarships are the most excellent kind of financial assistance.

Grant and scholarship programs do not entail students or the family to pay back. These could be of two kinds: (1) base on need, which is given due to the financial inability of the student and the family as a whole, and (2) base on merit, the talent of the student like in sports, is the main consideration. The student�s academic ability also falls under the merit-base college grant and scholarship.

Oftentimes, college grants and scholarships combine the merit and need criteria to ease out the whole financial aid process. Numerous students and their families are in the look-out for this type of financial aid. However, college grants and scholarships are limited compared with the growing number of students year after year.

Qualifying students can avail of federal and a number of state scholarship programs. Some of which are the following:

Federal or National Pell Grants � this is a program funded nationwide intended to endow assistance to any qualified undergraduate learner pursuing postsecondary schooling. Grants and scholarships of this kind are given to those who have not finished a baccalaureate degree.

The worth of the grant can vary year after year and will depend largely on the financial need of the students, the expenses that will be incurred while attending the chosen university or college, and the availability of funds from the national government.

This type of grant will open opportunity for the students to avail succeeding financial aid from the national government.

Federal Supplemental Educational Opportunity Grant (FSEOG) � this is a program for ongoing undergraduate students with outstanding monetary need. However, not all students can avail this type of grant. This will depend on the eligibility of the students and availability of finances of the concerned school.

Another form of financial aid that students and families can turn to is through loans. This type of financial assistance should be paid back. The financial need of the family should be considered thoroughly to avoid paying high interest rates.

It is also a must to understand all the terms of lending agencies such as the schedule of repayment and interest rates, before signing in or making a commitment.

Work study is a form of financial assistance which calls for students to do labor to sustain their college education. Work study is commonly done on campus and is the most typical form of financial aid in all universities and colleges. Usually, the students will render service to schools for ten to fifteen hours per week.

Scholarships, grants and other forms of financial aid to acquire college education is really multifaceted, confusing at times, and even exasperating. The good thing is college education is a non-refundable and non-biodegradable type of investment. It is for the future!

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Checking Mortgage Rates Online

Checking Mortgage Rates Online

 

Homeowners who are planning to re-finance their home may find the Internet to be a very worthwhile resource. The Internet is useful because it can give the homeowner a wealth of information as well as the ability to compare different rates from different lenders at their convenience. While these options have made re-financing a more convenient process there is more potential for danger. However, homeowners who exercise a small amount of common sense in using the Internet for re-financing often find they are not at any additional risk.

 

Comparison Shop at Your Convenience

 

One of the most popular advantages to researching re-financing online is the ability to comparison shop at the homeowner's convenience. This is important because many homeowners work long hours and often find they are not able to meet with lenders during regular business hours because of job restraints. The Internet, however, is open 24 hours a day and allows homeowners to research their options, make important calculations or receive online quotes at any time of the day through the use of automated systems.

 

Homeowners can also take their time comparing the quotes they receive from these lenders online instead of feeling pressured to provide an immediate response. While homeowners may have some additional time available to them, these same homeowners should realize they do need to act relatively quickly to lock in estimates they receive as interest rates are often time sensitive in nature and cannot be guaranteed for long periods of time.

 

Use Only Reliable Resources

 

Homeowners who are using the Internet to research re-financing options and obtain quotes should carefully consider their sources when making important decisions regarding the subject of re-financing. Homeowners who stick with well known lenders and established websites will not likely encounter problems but those who select a new lender may be surprised by the results of the re-financing attempt.

 

Homeowners who are unsure about the reliability of a particular resource or lender should do additional research on the company. One of the easiest ways to do this is to consult the Better Business Bureau (BBB). The BBB may be able to provide the homeowner with valuable information regarding the number of previous complaints against the company. A company who has a large number of unresolved complaints should be considered an unreliable company. However, homeowners should not assume companies without a significant number of complaints are reputable unless the company has been in existence for a number of years and is a member of the BBB.

 

Homeowners should also take care not to be fooled by fancy web design. A website which looks very professional is not necessarily a website which is accurate and informative. Many skilled website designers can create websites which are both attractive and professional looking. These website designers can also optimize a website for particular mortgage related keywords so users find the page easily when searching for these terms but this does not necessarily make the website designer knowledgeable about the subject to re-financing. 

 

Confirm Loan Terms in Person before Committing

 

While shopping for re-financing options online is certainly easy and convenient, homeowners should consider completing the application process either in person or over the phone instead of relying on an automated system. While the Internet is good for research purposes, homeowners can take advantage of face to face meetings or telephone conferences to ask all of their relevant questions. Asking all of these questions will help the homeowner to ensure he fully understand the loan terms as well as all of his available options.

 

Completing the re-financing process in person or over the phone can also prevent the homeowner from being surprised by any elements of the mortgage re-finance. This may include additional fees which are tacked on during the processing of the application, rates which are only available in certain situations or other elements of the re-financing agreement which could significantly impact the homeowner's decision making process.

 

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Are Cash Advance Agencies Accredited?

Are Cash Advance Agencies Accredited?
 
When you are looking for a cash advance loan you will not want to just go with the first company that you find.  You will want to get the best possible deal for you and one that will not take you long to repay.  Cash advance agencies are not there to trick you and to hit you unexpectedly with high interest rates or mislead you, they are companies that will treat you fairly and provide you with help.  But there are companies out there that will not do this, these kinds of companies are more widely advertised then the other companies and that is not good news for the consumer.

 

Companies out to trick you will not be willing to understand if you miss a payment and will hit you with higher interest on your next payment, or may even add more on to the repayment so that you will be paying more for months to come. This is why consumers must be cautious when dealing with cash advance companies some will be willing to help you and will not hit you with a huge interest charge for a missed payment.  They will add an interest charge on of course, but it won't be as high as a company that is giving this industry a black eye for its poor customer support and unfair interest rates.

 

If you are thinking of going for a cash advance or payday loan then talk to your friends and see if they have ever gone for one of these and see what company they went with; it can be very helpful to get some reliable information from a friend. If they went with a company that they liked and they were helpful, then they are recommending them for that reason and you should take that kind of helpful information on board when making a final decision about a cash advance loan or payday loan.

 

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Benefits of Re-Financing

Benefits of Re-Financing

 

There are a number of benefits which may be associated with re-financing a home. While there are some situations where re-financing is not the right decision, there are a host of benefits which can be gained from re-financing under favorable conditions. Some of these benefits include lower monthly payments, debt consolidation and the ability to utilize the existing equity in the home. Homeowners who are considering re-financing should consider each of these options with their current financial situation to determine whether or not they wish to re-finance their home.

 

Lower Monthly Payments

 

For many homeowners the possibility of lower monthly payments is a very appealing benefit of re-financing. Many homeowners live paycheck to paycheck and for these homeowners finding an opportunity to increase their savings can be a monumental feat. Homeowners who are able to negotiate lower interest rates when they re-finance their home will likely see the benefit of lower monthly mortgage payments resulting from the decision to re-finance.

 

Each month homeowners submit a mortgage payment. This payment is typically used to repay a portion of the interest as well as a portion of the principle on the loan. Homeowners who are able to refinance their loan at a lower interest rate may see a decrease in the amount they are paying in both interest and principle. This may be due to the lower interest rate as well as the lower remaining balance. When a home is re-financed, a second mortgage is taken out to repay the first mortgage. If the existing mortgage was already a few years old, it is likely the homeowner already had some equity and had paid off some of the previous principle balance. This enables the homeowner to take out a smaller mortgage when they re-finance their home because they are repaying a smaller debt than the original purchase price of the home.

 

Debt Consolidation

 

Some homeowners begin to investigate re-financing for the purpose of debt consolidation. This is especially true for homeowners who have high interest debts such as credit card debts. A debt consolidation loan enables the homeowner to use the existing equity in their home as collateral to secure a low interest loan which is large enough to repay the existing balance on the home as well as a number of other debts such as credit card debt, car loans, student loans or any other debts the homeowner may have.

 

When re-financing is done of the purpose of debt consolidation there is not always an overall increase in savings. Those who are seeking to consolidate their debts are often struggling with their monthly payments and are seeking an option which makes it easier for the homeowner to manage their monthly bills.

 

Additionally, debt consolidation can also simplify the process of paying monthly bills. Homeowners who are apprehensive about participating in monthly bill pay programs may be overwhelmed by the amount of bills they have to pay each month. Even if the value of these bills is not worrisome just the act of writing several checks each month and ensuring they are sent, on time, to the correct location can be overwhelming. For this reason, many homeowners often re-finance their mortgage to minimize the amount of payments they are making each month.

 

Using the Existing Equity in the Home

 

Another popular reason for re-financing is to use the existing equity in the home. Homeowners who have a considerable amount of equity in their home may find they are able to cash out some of this equity for other purposes. This may include making improvements to the home, starting a business, taking a dream vacation or pursuing a higher degree of education. The homeowner is not limited in how they can use the equity in their home and may re-finance a home equity line of credit which can be used for any purpose imaginable. A home equity line of credit is different from a loan because the funds are not disbursed all at once. Rather the funds are made available to the homeowner and the homeowner can withdraw these finds at anytime during the draw period.

 

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Are Cash Advance Agencies Accredited?

Are Cash Advance Agencies Accredited?
 
When you are looking for a cash advance loan you will not want to just go with the first company that you find.  You will want to get the best possible deal for you and one that will not take you long to repay.  Cash advance agencies are not there to trick you and to hit you unexpectedly with high interest rates or mislead you, they are companies that will treat you fairly and provide you with help.  But there are companies out there that will not do this, these kinds of companies are more widely advertised then the other companies and that is not good news for the consumer.

 

Companies out to trick you will not be willing to understand if you miss a payment and will hit you with higher interest on your next payment, or may even add more on to the repayment so that you will be paying more for months to come. This is why consumers must be cautious when dealing with cash advance companies some will be willing to help you and will not hit you with a huge interest charge for a missed payment.  They will add an interest charge on of course, but it won't be as high as a company that is giving this industry a black eye for its poor customer support and unfair interest rates.

 

If you are thinking of going for a cash advance or payday loan then talk to your friends and see if they have ever gone for one of these and see what company they went with; it can be very helpful to get some reliable information from a friend. If they went with a company that they liked and they were helpful, then they are recommending them for that reason and you should take that kind of helpful information on board when making a final decision about a cash advance loan or payday loan.

 

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Best Jobs


Employers have said that they are more likely to be 12 percent more graduates this year than last year. It is the first projected increase since the year 2000.

In another study, a projected 60 percent of US business plan to employ the same number of graduates this year as with last year. That is an increase of fifty-five percent from last year, according to the CERI (Collegiate Employment Research Institute) at MSU.

According to recent studies, US Corporations and businesses will employ more graduates with a bachelor�s degree in business, biological and physical sciences. Those with construction management, engineering degrees, health care and accounting will also experience an increase in hiring. Other fields will have a slight decline.

On the average, companies are hiring forty three percent of its interns to fulltime and regular status. The expected increase in the hiring of graduates coincides with an expected growth forecast of the economy next year according to a recent survey by the Federal Reserve Bank.

A lot of companies are coming out of a slump and are now hiring their interns and looking for more. A lot of companies are posting jobs and coming into different campuses.

Most experts advise that during the holidays, whether you�re looking for permanent employment or internship, it is time to step up your search.

Take advantage of the holiday events you�re going to, discuss what you�re looking for and your goals. Businesses don�t want to be flooded with calls and faxes of resumes. They will probably rely on word-of-mouth to get a handful of candidates The holidays are a perfect time to network.

What to expect:

Companies will hire more students earning bachelor�s degree in business and management, physical and biological sciences. Engineering, health care and accounting degrees also would experience an increase. Other degrees will experience a decrease in hiring

Businesses expect to employ about the same volume of MBAs this year as last year. Businesses have found employees with bachelor's degrees being able to do some work being done by MBAs.

It will be harder for graduates with computer science degrees to find work.


Companies are more likely to employ students who have undergone internships. The work experience, they say, makes a lot of difference. Federal agencies will employ more graduates but not nearly enough to offset the decrease in hiring by the state and local government agencies.


On average, starting salaries will increase by 1 to 2 percent.

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Secret shopping is another word for mystery shopping. To find out all about it, visit http://surveys.hothere.com

* Mystery Shopping Company

ABA
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International.

One advantage of mystery shopping is you can save money.

You will reimbursed for purchases made on assigned shops. Save on gas, food, haircuts, movies, etc. Some of these bills can be paid for by mystery shopping companies.

Google Adsense: Why Do I Need Google Adsense?

Because it�s there, it�s fun and it�s free. If you�re reading this, you obviously have some interest in the internet. You don�t even have to have your own site, although the more sites you use Google Adsense on, the more money you will make. For example, anyone can write a blog even if it�s just your own opinion on something.

You can also make money referring other people to Google Adsense. By placing a referral button on your site you increase your earnings potential. When a publisher that you referred makes their initial $100.00 within 90 days of sign-up and is eligible for payout, your account will also be credited $100.00. Additionally, they must never have registered for a Google Adsense account before.

Don�t be intimidated by the html code. It�s already formatted. All you have to do is choose the language and kind of button you would like, and copy and paste the html code to your site. Look for the referral code and more information under Adsense support.

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Tips For A Successful Local Job Search

If you are seriously searching for a local job, but you have no idea where to look, you may be just one of the thousands of unemployed people in the country. However, finding a job is easy when you know where to search.

Where can you find employers? How can you find your desired local job?

Before anything else, you should determine your skills and abilities, update your resume and be ready to face the employment process. There are several options on where to find employment.

1) Job Center: Job centers provide numerous vacancies for different kinds of work. Majority of job centers update their employment board frequently.

Originally, these career centers cater to young jobseekers up to 21 years old. They arrange for appropriate job interviews, which they believe, would match your skills and abilities. Some job centers also process training vacancies and apprenticeships to young people. Today, these centers also cater adults� need of employment.

2) Newspapers: Local and national newspapers, non-profit papers and job hunting newspapers provide advertisements on current job vacancies. You could find all the existing newspapers in libraries and check all the recent job postings.

Majority of newspapers today have their content available online. You could browse through them one by one and list all the jobs you prefer.

3) Journals and magazines: Every industry has their own periodicals, magazines or journals. Most employers go to these publications for employing professionals. Some could be bought in magazine stands and others come by subscription. Therefore, if you are hoping to establish your career based on your finished field of study, you could subscribe to a professional magazine and increase your local job prospects.

4) Agencies: Employment agencies handle most of vacant local work. Covering all kinds of work for various industries, these agencies are listed in local directories and Yellow pages.

5) Employer grounds: Many companies have job vacancies on their premises. Since these companies such as food retailers make use of internal notice boards, they do not advertise in newspapers and agencies. You could walk into these companies and ask the front desk for employment vacancies.

6) Internet: The most cost-effective way in finding local jobs is through the internet. Majority of employment agencies, newspapers, top companies, magazines and job centers have their own website. You could save time by searching through them one by one and apply for the job you prefer the most.

Making use of all these options could save you a lot of time searching for your desired local job. You could use all of these methods simultaneously to increase your chances of employment.

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Searching For A Job Overseas

Job hunting abroad can be both an opportunity and an adventure. There are hurdles to overcome when searching for the right job abroad. Let's take going to Madrid, Paris, Rome or London for example. It's not enough to just send resumes, the idea should be "get the luggage and get on the plane."

Getting a work permit is one obstacle in Europe. To stay there for an extended time, a residence permit is needed. This an only be granted once a working permit has been granted. Companies only provide non-European workers their work permits if they prove that there are no qualified European for the position. This is tough since the European Employment Services allows different companies to recruit prospects in eighteen European Economic Area countries. Remember that an ideal candidate is one who is able to speak the native language of a specific city other than English.

If you have your eye on Spain, a typed application letter with a resume must be prepared, including a recent photo and translated qualifications and/or copies of diplomas and other credentials. The letter must be written in a direct formal style citing the vacancy applying for. A must have for the closing should be "En espera de sus noticias, les saluda atentamente."

In the United Kingdom, newspapers are good sources of job openings. Assorted prime papers offer complement of job vacancies like "The Guardian," "The Daily Telegraph," "The Times," or the "The Independent" particularize vacancies daily. Companies are very particular regarding the reason you are applying. Research on their product offers, location of branches/offices, etc. There must be a reason why there is an interest to work for a specific company.

The application for jobs in Italy should also consist of a typed application letter. This should be formal and conventional in form. Using the Italian language is a must when explaining the intriguing reason for application. Diplomas and other credentials including impressive list of references should be handy during the initial interview. There are three to four expected follow-up interviews including a psychometric test. Put emphasis on personal appearance before the interview especially how the dress as this shows the concern in getting the job being applied for.

The average job search abroad ranges between six to twelve months. Experts consider searching for a job a full time job itself. Attending career counseling is helpful if unsure on what to do. There are a lot of great career resources who can give advise that best fits ones interests and passion.

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What is a resume and why is it so important?

A resume is a one- to two-page document summarizing your career objectives, professional experiences and achievements, and educational background. The heading of the resume should contain your name, address and contact information. The body of the resume should be broken into the following sections: career objective, profile/summary, professional experience, achievements, scholastics, and references. Your career objective should be brief, up to two sentences; it should give your potential employers an idea of how you wish to move forward in your professional life.

A concise profile or a summary should discuss who you are and how your skills and experience best apply to the job you are interested in. The summary, as well as other parts of your resume, should not contain personal information that discloses ethnicity, sexual orientation, marital status, age, living situations, or any other personal information that is not directly related to your career. Personal profile/summary should only contain a few well-written sentences that convey what you can bring to the table in terms of the specific job. Use this section to attract the employer�s attention, but don�t go overboard in trying to be creative � stay professional.

Your experience listing should include information on one to five jobs you�ve held, starting with your current or last job, and listing previous positions in chronological order.

The listing should include the date range of your employment, name of the companies or person(s) you have worked for, and the city and state where the place of employment is located (full address of employment is not necessary). List your title and your main responsibilities, with emphasis on duties that are applicable to the type of work you are seeking.

Your education should include college, graduate and post-graduate work, as well as any courses or professional certifications that are relevant to your career development. Achievements, volunteer positions, publications and interests should only be listed if they apply to your professional work experience References should be listed if requested; best practices suggest not to list generic statements about references being available upon request as this is understood.

In the competitive, internet-driven world of job searches, your resume represents you to potential employers. It serves as your tool to attract attention, get the interview and/or get a job. A great resume will make you stand out from other candidates by showcasing your aptitudes. Think of your resume as your sales pitch � you need to sell yourself in the best possible way. Invest some time and research into developing your resume.

You will want to make sure that your resume is error free � double check your grammar and spelling, make sure that all company and school names and cities are spelled properly. A resume containing errors, no matter how minimal, will give your potential employer an impression that you do not have attention to detail, that you don�t take time to double check your work, and that you are a poor communicator. Additionally, make sure that your resume is formatted well. Stick to basic fonts, like Arial and Times New Roman.

Keep the font size and color standard; don�t use large fonts or multi-colors in your resume. Don�t go overboard with bold, italicized, or large-cap text. Keep your format consistent and make sure that the resume looks great when viewed online as well as when printed out. Keep your resume to one or two pages � any additional pages give an impression that you either don�t know how to concisely summarize your education and experience, or that you are listing unnecessary information for the sake of taking up space. If you�ve never written a resume before, reference books, Internet resources or seek assistance from a professional resume writing service.

A well-written resume can make a difference between being stuck at your current job and getting an interview to land the job of your dreams.

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Using lease calculators

Want to calculate your monthly lease payment? Consider using a lease
calculator

If you are considering a car lease, then you might want to know some key
figures involved in the deal: the monthly lease payments, the overall cost
of the lease and how much savings can be made compared to purchasing the
vehicle.

A lease calculator relieves you from the stress of having to know the
complex underlying lease formulae used in calculations. You simply plug a
number of figures into the calculator and hey presto! You get a detailed
rundown of detailed payments, taxes and total lease costs.

Figures you need to get from your dealer about a specific lease you�re
interested in include: capitalized cost, estimated residual value at the
end of the lease, the number of months in your lease and the money factor.
Make assumptions and change some of the figures to see how it affects your
lease payments. For instance, residual value is an �estimated� value of what
the vehicle will be worth at the end of the lease. You can input different
estimates to cover different scenarios and assumptions.

As a final note of caution, bear in mind that lease calculators only do
calculations and check the accuracy of abstract mathematical formulae. They
do not tell you whether a lease is good or bad.

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Secret Shopping Jobs - Now, That's What I Call A Fun Job! By: http://Surveys.hothere.com

Secret Shopping Jobs - Now, That's What I Call A Fun Job!

Let's face it: Most jobs aren't exciting. But, there are jobs that are
fun and pay decently. One such job is secret shopping.

Secret shopping, also known as mystery shopping, is a little known
job.

What Does A Secret Shopper Do?

You put on a black coat, a mask and go to stores and whip out your big
red pen and clipboard whenever you wish to make a note about the
products or services.

No, just kidding.

Actually, you do what you normally do whenever you visit a store. But,
you are just more observant and make a note to remember such
observations. To help you out you are provided with a list of things
to be on alert for.

After you leave the store, and are out of sight, you whip our your
inconspicuous pen and fill in the questionnaire you have been provided.
This questionnaire, as you might imagine, relates to your shopping
experience.

What sort of things will you be asked to look for? That'll be the
subject of our next article.

You will usually be paid for doing the shop or be reimbursed for the
goods and services you acquire (goods you can keep). This can mean
free hair cuts, free dinners, free gas, free hotel stays, and so on.
In many instances you are in need of the product or service you
required anyway(such as a hair cut, gas, etc.). So, in this way,
secret shopping can save you money.

Some people actually do this full-time.

Some, in fact, travel the U.S. and Canada doing mystery shops along
the way. You can definitely reduce travel costs by secret shopping on
the way. You have 50 states in the U.S., why not see them all? One way
to help defray the costs and justify the trip is to set up secret
shops in each state. To do this, you should try to join as many
mystery shopping companies as possible.

So, how do you get in on this? Do you have to shell out money to get
started? An emphatic no! Here's what I advise people to do: Go to the
following site and join their newsletter list. It's free. In every
issue they provide links to online survey and secret shopping
companies. Click a link and you'll be instantly transferred to the
given company's free registration page. Then, if you use the free form
filling software, all or most of the form can be filled in for you,
automatically.

This sure beats hunting down companies on your own and then looking
for the registration page. This is a major time and effort saver. More
importantly, it'll get you started soon. Most people will otherwise
procrastinate. They need the "nudge" and motivational stimulus that a
newsletter provides.

Visit the following site now and add your name - or nickname and email
address to their ezine subscription box - at the top left of the page:

http://CompleteListOfPaidSurveySites.com

Get ready to make money the fun way, as a secret shopper. You won't
make a "killing" but you'll enjoy the independence, flexibility,
decent pay, free goods and services, and have a blast.

Best wishes as a secret shopper!

http://Surveys.hothere.com provides sound part time job advice
and links. You may copy and distribute this article so long as you do
not change anything and are sure to keep all website url links.

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One fun mystery shopping assignment I had was to...

have business cards printed up. I got reimbursed for the cards and was paid on top of it.

I designed a business card that I used to meet women! From then on, I never asked for a number, I just left my card. Even if women aren't apt to call, my email address and websites were listed. And, even if they didn't want to be proactive, I figure, some would. And, since I could give out 100 times as many cards as I could ask for phone numbers... I could't lose. And, you never get rejected! If they don't email, you put it off to women's shyness.

There are a wide range of shops you can do as a mystery shopper. Find out for free at http://Surveys.HotHere.com today!

Make money as a secret shopper.

No joke.

Free service tells all.

http://Surveys.HotHere.com

Why You Should Become a Dental Assistant

Becoming a Dental Assistant offers you a great career working with people. You will generally be working under one or more dentists. This type of career will allow you to interact with many people as well as get to see various dental procedures take place first hand. This profession allows you the opportunity to participate in providing dental care as well as comfort to patients.

Dental Assistants are often confused with Dental Hygienist. They perform different dental procedures. Dental Assistants help both dentists and hygienist. A Dental Hygienist cleans patient�s teeth while the dentist performs procedures including fillings and bridges.

Dental Assistants are in huge demand all over the Nation. It is anticipated that Dental Assistants will be among the fastest growing occupations between now and 2012. This means you will have job opportunities available most anywhere you choose to live. The pay for Dental Assistants varies by region, but is generally several dollars above minimum wage. Being a Dental Assistant will allow you to decide if you want to pursue a career as a tech, dental hygienist, or a dentist. You will get to see first hand just what such jobs entail.

Employment as a Dental Assistant will help guarantee you job with normal hours of operation. This is very important, especially if you have a family you want to be spending your evenings and weekends with. In addition, you will generally have paid Holidays off as well. Most Dental Assistants receive a large discount on dental care for themselves, their spouse, and their children. This can be a great perk of the job that saves you a large sum of money in the end.

Some of the duties Dental Assistants will perform include assisting with dental procedures, setting up dental rooms, performing X-rays, and completing lab work. The exact procedures you will be able to perform will depend on the licensing requirements in your state as well as the needs of the dental office you choose to work in. It is important to ask what procedures you will be performing during a job interview if a complete job description is not provided for you.

If you enjoy working with people, having a daily routine that varies, and have excellent communication skills, then a career as a Dental Assistant might be right for you. Since you will be dealing with the public and other dental professionals throughout your day, the ability to communicate is going to make a big impact on how successful you will be as a Dental Assistant.

Generally, the certification program for Dental Assistant is 1 year. The exact length of the program depends on your state requirements and the program you are enrolling in. In some states, you can be trained on the job in as little as three months. Most states require you to pass a Dental Assistant Exam for certification.

Since technology and dental procedures continually improve, you will need to keep up with these changes as a Dental Assistant. Generally, such educational needs and trainings will be set up by your employer for you to attend at no charge.

Becoming a Dental Assistant can be a fun and rewarding career for individuals with a desire to help others, provide comfort, and who has excellent communication skills. The amount of employment opportunities in the field are numerous, with the numbers continuing to climb as more and more people focus on the importance of good oral hygiene.



Make money as a secret shopper.
http://Surveys.HotHere.com

Wait! Don't pay for a list of mystery shopping companies.

You can get a free list of mystery shopping companies. Wait, you say, what is mystery shopping?

As a mystery shopper you are paid to go to a store or other place and pretend to be a regular customer. Once out of sight of the store you fill in a questionnaire concerning your experiences.

Sounds hard to believe? Well, I won't try to convince you, I'll just provide you a link where you can find out for yourself, for free.

http://Surveys.HotHere.com


Contributed by:

Make money as a mystery shopper.

"Why Small Organizations Mean Big Business"


In the movie "You've Got Mail", the sub-plot aside from the love angle is that the heroine (played by Meg Ryan) was forced out of business when the big-time bookstore owner (played by Tom Hanks) moved into town.

Meg's character owned a quaint little bookstore which she inherited from her mother. Although the prices of her books were a little steep, she makes up for it in service. She packs the books in a specialized bag, and she knows all of her customers by name.

Tom's character, on the other hand, moved into town to build a branch of a big chain-bookstore which offered discounted prices and a huge building, as compared to Meg's little bookshop on one corner of the town's streets.

In the end, Meg was forced out of business because her customers went to Tom's monstrous bookshop.

Nowadays, this situation will not hold true anymore.

More and more small organizations are paving the way and giving big businesses a shot of their own medicine.

In the movie, the reason why Meg Ryan was forced out of business is because she cannot profit anymore. Her prices are steep as compared to the other big business' discounted rates.

Her only edge is that she gives personal service, she knows her customers by name and she has a very small staff, about 2 or 3 employees.

As a small organization you may turn around and have these qualities as your edge to compete against the big sharks in business.

Here are some tips on how you can hold your own against a big business:

1. Small businesses have big competition.

This means that you need to know how to survive out there.

No matter what nature of business you have, it is better to learn about the competition so that you will be able to survive.

Here are some tips on how you can survive the big competition:

>Keep your business alive.

When it seems as if your cash flow is in a downward slope, keep a tight rein on your budget.

Do not spend on unnecessary business purchases and always balance your books.

If you are one to buy on impulse or if you are the type to listen to those who sweet-talk you into purchasing "necessary" items, control yourself.

Get a second and third opinion if possible, as these impulsive buys may lead to the end of your small organization.

>Do not be afraid to seek professional help.

The fall of most small businesses start with decisions on problems which are not carefully analyzed.

Although you think that you already have a contingency plan, make sure that you have foreseen the results of a certain business decision.

In the long run, it is better to seek professional help rather than embark on a plan that could start the downfall of your business.

>Keep your books straight.

The better option is for you to hire a professional outside accountant to figure the returns of your investment and handle the other financial aspects of your business.

>Take advantage of every free business counseling whenever available.

This does not just help widen your knowledge, but it will also give you an idea of how other businesses are ran by small-scale owners.

>Know exactly where your business is headed.

In your day-to-day operation, make sure that you know where you want your company to be 5 or 10 years from now.

Be always aware of the trends in the industry that you are in, practice good money management and learn how to recognize potential problems before they arise.

2. Learn how to market your small organization.

Marketing is not about trying to sell your products and services to everyone.

It is about knowing who to market your products to.

In marketing, it is good to remember these fast facts:

> Know about your customers.

>Communicate with your customers.

>Build a good and personalized relationship with your customers.

This will be a great edge for you to have against the bigger companies.

They might offer discounted prices but it is harder for them to keep track of customers on a more personal basis.

>Do not stop the marketing process.

As a small organization, you need to routinely review the markets that you need to pursue so that you can better reach out to your customers.

Remember, small organizations are big businesses these days so do not be afraid to work hard for the company that you have - not matter how small.

If you work hard, make wise business decisions, learn how to market your small business and personalize your customer interaction, your small-scale business is sure to rise to the top.

Make money as a secret shopper.
http://Surveys.HotHere.com

Make money as a secret shopper.
http://Surveys.HotHere.com

Earning An Extra Income In 2008.

Home based businesses to earn extra income have become widely accepted all over the world are spreading like forest fire. They have become most desirable businesses to start for apparent reasons:

Imagine how it would feel to get up at your own sweet time and not hurry to office in the regular chaos of snarling traffic all the while getting choked on pollution. And then, to begin the day as though you are fresh form home and nothing has happened. Listen to the Boss ordering you around and giving you the grind for deadlines.

Extra Income has not hurt anyone up to now, and it should not be hurting you either. If you are willing top do that extra bit of work or travel that extra mile for your boss, I am sure you will be more than willing to do so for yourself, especially if you feel that it would improve the quality of life of you and your family.

Extra Income does not come for free. It involves hard work but of the kind you would want to do. It is not hard work when you are doing what you always wanted. A little bit of inspiration could get you off the mark, wouldn�t it? Let�s get going point wise;

1. You will be your own boss with no one looking over your shoulder. Freedom of time, moment, goals, finances everything left to you.

2. Work at your convenience. Be your own time master. Flexibility benefits are more for mothers and people having other responsibilities apart from profession.

3. Flexibility to do whatever you want to do, whenever you want to do it.

4. The above factors help you to pursue your regular income job until you are sure of the extra income business. You can always switch.

5. Job security and fear of unemployment vanish.

6. Sense of pride. Make you more of a complete person who can proudly say that he/ she is an entrepreneur who has achieved something.

7. Self confidence going through the sky. This factor will help you face most hurdles in life with a lot lesser heartaches and stress.

8. Limitations of earning do not exist. You can earn as much as you want by just stepping up the speed.

9. Many countries offer tax benefits for home based businesses, since it is considered extra income. So greater credit ratings with lesser tax obligations.

10. You can retire at your own time, at 30 or at 60, it�s entirely up to you.

Success becomes a commodity which you can measure with your own yardstick rather than others, which contributes a lot to your personality and the finances through the extra income you earn. The above reasons are certainly worth a glance if you are considering being successful and independent in life.

Analyze the above points on a piece of paper before making your decision on whether you want that extra income or not.

Extra income.
http://Surveys.HotHere.com

I read an article on MSN about mystery shopping. The good news they didn't say it was a scam! Because, it's not.

The problem is the CLAIMS surrounding it, NOT mystery shopping, per se. Just like there are many making wild claims in the investing arena, that doesn't mean all investing is a scam.

People are quick to GENERALIZE. They group people together - guilt by association. So, if a site offers mystery shopping links they will think "Oh, they're one of those who promises you will make millions".

To see what claims are being made GO TO THE SOURCE and see rather than rely on a generalization.

While in some cases the reporter will say "We are not saying ALL..." they definitely IMPLY such. Or, don't imply it but know full well it will be interpreted as such.

The truth is you can make money mystery shopping. I know. I have done it for years.

However, you aren't going to get rich.

And, it is pretty much a part time thing.

The best thing to do is TRY it for yourself for free. You do NOT have to pay one red cent to test the waters.

Visit the site listed below and join at NO cost. You will get a steady supply of links to mystery shopping companies. These are direct links that take you right to the free join page. Then use supplied form filling software to join the companies fast.


Best regards,
Pat

Make money as a mystery shopper - Free ezine.
http://Surveys.HotHere.com

There are a variety of things you can do as a mystery shopper.

One of my favorites was to get paid to put gas in my car. They paid for the gas and gave me a few bucks on top.

I like the independence.

I just drove up pumped gas and then... and here's what's different... rather than paying at the pump I walked to the kiosk and paid for it.

Of course, I had to make note of a few things.

Make money as a secret shopper.

Job Referrals. http://surveys.hothere.com

How to Get Referrals from Warm Contacts

You may find it hard to use networking to find a job if you can't rely on your warm contacts to give you the information you need. At times, you would have to ask your warm contacts to refer you to at least two people that they know who will be able to give you the information you needed.

However, there are times that your warm contact, particularly those who don't know you well, may not readily provide you with the information. Some of your warm contacts may feel reluctant about vouching for you to their other contacts.

Because of this, you may find it difficult to use your network. To make networking and getting referrals an easy task for you, here are a few tips.

* Nurture your warm contacts.

Before you even need your warm contacts or before you even ask for help, keep in touch with your warm contacts. You may send notes or greetings from time to time, call to "catch up" on them, invite them to lunch, be interested or help in their business or do anything just to cultivate your connection with them.

In this way, by the time you need help, they can remember you and can more readily give information about their other contacts that will be able to help you.

* Be polite.

Since you might not have close personal relationships with some of your valuable warm contacts, it is inappropriate to just give them a call and ask them for information about your field of interest.

Sometimes, sending a note in advance, or asking to meet them for lunch is a better way to ask for their help.

* Listen to them.

Most of the time, even if your warm contact knows little in the field where you are trying to find a job, they might offer you advice. Be polite and interested in what they are saying. Who knows, the information that they are giving may be valuable to you in the future.

There are times that your warm contacts may be telling you tips on what manner will work best when you talk to the persons to whom you are being referred. Your warm contacts may also imply what qualities and qualifications the person is looking for.

* Ask for at least two referrals.

Before you ask for referrals, make sure that your warm contact had said everything that he or she can say about your field of interest.

Even if they know little about that field, it is impolite if you cut them short while they are speaking to ask if they know somebody who will be able to help you.

If they weren't able to refer you to at least one of their contacts, thoughtfully ask them why they couldn't do so. They may give you answers that may include indirect comments or suggestions. They may also indicate a lack of confidence in your work strategy. If this is so, you may have to make follow ups with them to prove that you are indeed credible and match their requirements.

However, there are also times when they can't refer you to their contacts because they just don't know anybody who might have the information or might be interested in the product.

In this case, ask them to keep their eyes open for opportunities that you might be interested in. You can also leave with them copies of your resume.

* Just ask for two referrals.

Two referrals are enough from each warm contact. This is to have another option in case the first one didn't work out. Asking for more than two referrals could be impolite as it can take much time from your warm contact. Also, that will make your warm contact feel that you are relying mostly on him or her for your job search. So, unless they volunteer the information, don't ask for more than 2 referrals.

* Contact referrals as soon as possible.

When your warm contacts give you referrals, there are times that they also call these people personally to give more information about you. On the other hand, when you contact the people to whom you were referred, your referrals may call your warm contacts to verify the information or to ask more information about you.

Either way, you have to contact your referrals soon enough that these people can still remember their conversation with your warm contact, or your warm contact can still remember that you have talked.

At times, after your referrals were called by your warm contacts, they anticipate your call and even prepare questionnaires and exams for you to take. Do not waste this opportunity by delaying follow-up on referrals.

Keeping these tips in mind will be able to help you in asking for good referrals from your warm contacts.

Mystery shopping. http://surveys.hothere.com

Pay Per Play Can Be Used With Google Adsense, If You Wish.

Pay Per Play Can Be Used With Google Adsense, If You Wish.

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If you have a website or blog here's something for you.

Starting in 2008 you can get paid EVERY time someone visits. The visitor does NOT have to click a link for you to get paid. You get paid regardless of what action they take when at your site.

This does not drive visitors away.

This does NOT interfere with Google Adsense, etc. so you can keep Google or other ad programs.

Join for free by visiting http://onincome.net/pay-per-play.html today.


Pay Per Play