Is 10 P.c Unemployment The New Norm? If This Is So Is Franchising The Wave Of The Future?

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It is very possible that the U. S. could be experiencing a national average of 10% unemployment prior to the 2012 election. That sounds kind of high doesn't it? But also we must consider how our demographics are changing, and the reality that many of our old industries are no longer workable in the US, and much of that production has moved offshore. It is reasonably possible that 10% unemployment may be the new norm, and thus you're going to have to work out an alternate way for you and yours.

Now then, I'd like to chat about the franchising industry as a potential way to become gainfully employed. If you were to purchase a franchise, then you would be your own manager, calling your own shots, and running your own business – sounds simple does it not – well, it is not. Nonetheless, because of all these factors some analysts accept that franchising is the wave of the future. It may be, we've got to keep waiting and see. Of course, if you do start a franchised outlet, you'll be able to hire people, as well as yourself, and perhaps family members as well, after all, charity begins at home right? If corporate America is moving more and more of their operations, producing, and even headquarters of varied business units to China and other states, then it is reasonably possible the corporate option of a job and long term employment is now not in the cards. Thus, you're going to need seek alternative answers to this quandary.

Owning a business is one solution, however if you've no experience in a specific industry, or no experience running a home business, you're probably safer to buy a franchise with a real financial model. Indeed, the franchising industry is hoping that you and other folks will also see the light, and come and get a franchise. Usually talking, and from a historic point of view franchising has always done well during periods of high unemployment, and adverse sector rotations in various industries as business cycles turns South. We are in such a business situation now, and there's good possibility we will be for quite a long time. This is excellent for the franchising industry, and probably not too good for those who are looking for full-time work. Nevertheless, it's an option you may need to consider, just make absolutely certain you do your due diligence before you go out and get a franchise and obligate yourself for 10 more years.

Indeed I'm hoping you'll please consider all this and think on it.

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Do Not Make The Same Mistake As 1000′s Did, Insure Your Revenue Against Unemployment Now

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The market has dropped seriously wiping out a year of gains and more . Is this 2008 all over again? Are the existing issues creating panic in global markets the signal we're going to slide into a ‘double dip ‘ recession? Will this mean we are going to see a dramatic reduction in job numbers as fresh enhancements in UK work are unavoidably thrown into reverse – potentially. Violent market falls are yet another sign that it's NOT business as usual and that things have changed forever in an economically conjoined world.

Now more than ever, it's vital for people to assume control of their own financial future, because nobody, particularly the cash strapped UK Central authority, is likely to take care of them. Anyone in a job where things are looking OK now, but find they have financial commitments that would use up their savings in one or two months, should be considering these questions, If I am let go this year, how will I pay all of my bills? If I lose my job, how long will it take to get another? (note, the statistical data from a leading income protection insurance supplier indicate that their customers have a typical gap between jobs of 6 to 8 months) Can I afford to keep my home and for my friends to continue to live in the circumstances to which they're accustomed? For those who work out that they'd be in heavy money difficulty if they, or their partner, were out of work, it is time to consider this seriously. House owners who've less than six months take home pay in savings could potentially find themselves in significant difficulty with their mortgage company and other creditors. They should at very least consider buying home loan payment protection Insurance which would pay their mortgage and (often a further 25%) toward their other domestic expenses. However home loan payment protection Insurance alone barely meets all of the financial obligations of the normal family, although it can help to make any savings last far longer.

For any person without much saved, maybe enough to keep them floating for a couple of months, short term revenue protection insurance is virtually certainly a more sensible choice. Some couples will already have a mortgage payment protection cover they organized some while back when configuring their mortgage. But this might only pay

True Unemployment Figures Are At 22.5%

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Back in the shady days of the Clinton administration of the stained black dress, wagging fingers telling us he didn't have sex with that intern, and pals that got murdered with the Park Police in charge, we've got a change that occurred in 1994 that authorized the Clinton crew to modify the Bureau of Work Statistics. The technique included an alternative jobless rate that removed from the unemployment rolls those that were specified as the long run discouraged employees which the BLS crossed off the list of the ones that were considered unwaged. A Politically Skewed Manipulation With a politically skewed manipulation of the genuine unemployment figures getting whittled down to 8.3%, when the real jobless are figured in it seems like a truthful picture is found at the logical number of 22.5%. The manipulation of the numbers by the BLS makes it look like the Obama Administration is making progress when in fact real unemployment, when you count in the totals for employees that are now not looking, runs to 1920′s depression levels of the prior real number of 22.5% that John Williams of the “Shadow Government Statistics” who has railed for years that the fed twists the numbers to make them say what they would like them to say. What is a Depression? The media in the finance world usually outlines a money depression as being a loss of ten percent in the GDP (GDP) which is more than anything merely a rough rule.

Ronald Reagan once claimed, “Recession is when a neighbor gets sacked. Depression is when you lose yours.” Numbers Are Skewed for Political Reasons In a world where the thought of attempting to research a macroeconomic happening measured in dollars in a world in which cash is electronic debt, property is still falling in value, capital investments moves freely across industrial borders, inexpensive work immigrates across our southern borders unrestrained, and legislators leave the government’s largest costs off the books has become ludicrous over time . How could you ever try to figure out if the economy is expanding or contracting when the numbers used are skewed for political purposes? Press Release Says A February. 2012 press release from BLS informed the public the rate of unemployment had fallen 0.2% from the previous 8.5% we formerly had in Dec. Of 2011. However, the part of the report that did not make the evening news is the BLS reports the U6 unemployment is 15.6%, U6 meaning those people who were slightly attached to the work force in what's now called the under employed, folks looking for full time wages but had to accept part time roles.

So in not releasing those figures, then dropping those employees who fell off the radar after looking for jobs for a year, it is reasonably clear what the present administration is attempting to do. Williams reported that the stats of 8.3% that made the media sound bites were mathematically manipulated and just simply not plausible. Adding Back Williams put it this way in a statement, his official Alternative Unemployment Rate comes out to be 22.5% when you add into the Bureau of Labor Statistics U6 numbers, the long called laborers that have fallen off the radar, and have stopped attempting to find roles the year just gone. The BLS naturally only reports the U3 stats that are adjusted seasonally which was the 8.3% that was blared out over every news media station. Keystone Nuked You can tell just by taking a look at the BLS own fully reported stats the nation is actually in trouble, has been for quite a long time, is improving no time shortly, and there seems to be no remedy on the horizon coming down the line.

The torpedoing of the Keystone pipeline that was to run from Canada down into Houston Texas would have employed at the peak at least 100,000 roles directly and another twenty thousand roles indirectly, has been moved to the back burner. Unwaged Recovery The jobless recovery scenario is a little more nebulous, with the precise timing of the recovery unknown, with very little growth for the future estimated, and liable to turning into a double dip recession, the uncertainty of the foreign export markets, contractions in the Western european and Asian markets, the double dip looks like the ice cream of the future. Obama Impulse a Bust While the Obama stimulus package is like a bust, the call for more recovery money not looking good, the authorities and the economists saying that whatever industrial growth we do have will not sufficiently cut back the unemployment numbers and the figures will be much higher than standard, the look for economic expansion looks bleak for 2012 with minimal expansion forecast. The Straight Ahead Future Investigating this crystal ball into the straight ahead future, while automobile sales have been good, producing up a little, and enough money flowing into the treasury to pay the required bills on time, if things just stay the same the double dip still looks like it could occur with the jobless recovery in full bloom. Those that stick to variants of the unemployed recovery say the USA is headed straight for a prolonged unemployed recovery where only particular portions of the economy will recover while other segments will remain stagnant. The Reality Is Different What we actually have waiting for us is historic danger signs that there are inflating numbers of consumer bankruptcies and mortgage defaults, credit debt is out of view, there is also the unknown impact of enough possible bank disasters to render the FDIC insolvent, the possibility of a U.S. State like California going bankrupt, or a likely crash in the derivatives market.

Not talking to the fact that being 4 trillion in debt will do anything good for the future economy or the out of control printing of money by the Federal Agency could have on our inflation scale when the working class won't be able to keep up. My opinion on this is the future looks so bright I should wear shades.

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Robotic Age – Unemployment, Birth Rates, Population Controls, Economics, And Illegal Immigration

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If you talk with someone in a labor-intensive business, someone who is an owner of the business who can’t get the work they want they are going to say that illegal immigration laws are out of control, and have to be loosened, and we want to permit more work visa programs, and stop playing games. If you speak to someone that is a union employee, they would curse up and back down about how illegal aliens are coming into our country, doing poor workmanship, and injuring our unemployment figures. If you talk with someone in economics, they are going to explain to you that we need 2.2 folk being born for every couple in our society or civilization, and without that birthrate, we cannot maintain our GDP expansion, and the economy will wobble, meaning there will be defaulted loans, firms will not make sufficient bucks, and we can't be well placed to afford all our obligations to retiring workers. If you talk to a legislator, they will tell you in occassions of high unemployment, that their number one concern is creating roles. In occassions of low unemployment and high industrial expansion, those same glad-handers will tell you that they are not worried about illegal immigration at all rather they'd like to refine the rules to let more people in. My question is, what are all these folks going to assert as we enter the “Dawn of the Robotic Age?” You know, it’s just on us, and as A. I gets better, androids will be doing all the roles, and as the price to create these robotic employees is lower due to economies of increased scale, that's when things will get fascinating, just as they went and did when Eli Whitney produced the cotton gin. If androids are doing all of the work, then what will folks do to remain busy, or make a living to pay for all the things that they need to survive, send their youngsters to university, and pay for the retirement? Will humans build the bots that replace them? And what occurs when the bots start making their counterparts? An interesting real-world example along this line of thinking was when Germany built all the economic machinery to be utilized in the factories in China.

The Germans make great machines, but each time they sold a machine to China, then China was building things. Now the Chinese are making everything that the Germans used to make, including factory machinery, and they are making lots of the things which the US used to make, and they're looking to secure or take more of our specialised industries. Yes, they have cheaper labor, and are using the same tools. Today it costs a lot to buy a robotic machine to be employed in a factory, therefore China can still compete with low cost labor, but as those androids become less expensive, and as the Chinese wages goes up, then they'll have the same issue as the rest of the planet in the future Robotic Age. We need to figure out that problem before it hits us, and all the world economies at the same time.

It's going to be pleasant to live in that future paradise, but we're going to need to adjust our industrial structure to do it. Indeed I hope you'll please consider all this and think on it.

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Unemployment Tips – Handling Stress, Fear And Safeguarding Your Self Confidence

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You're unwaged. You've been laid off, let go, fired. Now what? Your self-esteem just took a bruising. When you do not have a job and revenue, you will probably have negative feelings. They can be feelings of stress, fear, fury, rage as well as shame, feeling overwhelmed, perplexity, nervousness, and many others . Self-esteem is important to maintain when you are out of a job. Maybe you saw it coming, or perhaps you believed that you were ambushed or sucker-punched when you lost your job. These are weighty feelings and issues to handle when you're exposed as you are when you are underemployed.

Self-confidence expert and writer, Dr . Nathaniel Branden, outlines self-esteem as the “experience of being competent to cope with the basic challenges of life and of being worthy of happiness.” It includes a faith in your capability to manage change and master challenges. So as to have confidence in your capability to manage change, the first thing you have to do is accept the reality of the situation you're in. The situation is what it is. Acknowledgment doesn't mean giving up or giving up. Approval is simply acknowledging fact. Fact is your place to begin if you're going to have the freedom to switch things and make them better.

You should manage the change you're undergoing from unemployment to your next job. Part of managing the change is managing the negative feelings the situation has brought up in you. To keep them from paralyzing you into inaction. As an example, fear. Fear is the anticipation of agony.

The word “anticipation” implies a future event. To conquer the terror, it is important to be in “present moment time” rather than the future that isn’t here yet, whether it’s 5 minutes or 5 months away. Focusing on your breath is an excellent way to bring yourself back to the moment when you're experiencing fear or some other negative feeling. Some of the people call it meditation. But do not worry. If you think you can’t meditate, just call it centered breathing.

You can do it anywhere, any time, as long as you're breathing, that is. If you should decide to be seated, simply sit in a cool, upright position. You'll sit on the floor, on a cushion, or if you sit in a chair have both feet flat on the floor. Focus upon your breath. Take a big breath slowly, and exhale slowly.

Feel it as you breathe in and breathe out. Feel the feeling of your breath as it enters your nose and goes down into your lungs and as it goes out when you exhale. Do it for two or three minutes or longer if you can. Fear loosens its grip on your mind and relaxation and calm come in. That opening is where you will find your liberty to change things and make your current position better. You will become a little more inventive in managing change.

From a condition of calm you make better choices and choices. You'll be able to find the will to take the subsequent action. Practice this at least once a day. Focusing on your breath is the quickest way to center yourself in present moment time and make contact with your inborn feeling of calm and peacefulness.

Good luck on your job search.

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Mortgage Life Assurance Vs Unemployment Mortgage Insurance

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It seems like each day we hear stories about the mortgage crash and how hundreds of thousands of people around the nation are losing their homes because they can not pay their mortgages. There are 2 options which can help you from becoming one of the unfortunate many : Mortgage Life Assurance and Unemployment Mortgage Insurance. Either of these options can secure your mortgage payments so your family and you will not have to fret about meeting these payments in the event that something happens to you or your most important income. The Most significant difference between Mortgage Life Assurance and Unemployment Mortgage Insurance Both if these sorts of insurance have lots of the same parts, and similar policies and plans which are available to you. They are, nonetheless different in what they cover. Mortgage Life Insurance is a coverage which protects your family from losing their home in the event of your death, while Unemployment Mortgage Insurance covers your home loan should you become unemployed when you aren't responsible.

For example : if you ought to be laid of from work because your employer is downsizing, you could qualify for Unemployment Mortgage Insurance. Advantages of Mortgage Life Insurance One of the benefits of this kind of insurance is you are not required to take a medical examination to be accepted for the coverage, which is unlike other life assurance policies. Additionally, it's a cheaper alternative option to your standard life insurance policy. There's also an option called a Return of Premium. As its name advocates, this optional insurance will return all the premiums you repaid to you if you're still alive when your home loan is all paid for. Also this coverage may be utilized as your first life assurance or as a secondary life insurance.

There are other options which can often be added to the primary policy including : sickness, injury, and loss of work. Benefits of Unemployment Mortgage Insurance Unemployment Mortgage Insurance is frequently referred to as layoff protection, namely because you do not have to own a home to receive any benefits. The conditions for collecting any benefits are like that of the state unemployment coverage. But since the state coverage is less than $400 per week, most individuals need some more to help them to make ends meet. One of the optional additions to a Job Loss Protection Policy is accident, illness, and unemployment coverage. This thorough coverage will cover almost anything that might happen to you so that your mortgage payments could still be met. Mortgage Life Assurance is an element of Unemployed Mortgage Insurance, it is possible to get it as an addition to your underemployed coverage.

With this option you may have both these protecting coverages on your house at the very same time while not having to get two different policies. It is easy to get an insurance plan that is intended to cover your home loan payments. Now that the economy isn't stable and roles are harder to find and keep, it's the perfect time to guard your folks and yourself.

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Church Of Scientology Fights Unemployment

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The Church of Scientology in Nashville has been providing coaching services to help workers get more efficient and thereby more capable of holding a job. According to our internet site the ranks of the jobless expanded by almost fifty % in the past ten years. Anybody who is out of work, yet actively looking for a job, is classified by the U.S. Bureau of Work Stats as being unwaged. A sum total of 12.64 million USA citizens fit that definition last month, and 250 thousand of them are in Tennessee.

Realizing that somebody without meaningful work is likely to suffer spiritually, the Church of Scientology has continued in the battle against unemployment with a course created to help folks secure their place in the workforce, and to help those still employed to retain and take control of their roles. The Personal Potency Course is for folks who require help on the job, find themselves struggling with co-workers or management or who need to be more effective. It’s intended to attain higher intelligence and alertness and good grounding in the handling of folks generally, to the end of creating nicer and effective relationships and getting larger potency on the job. The course helps those looking for new work or trying to sort out their present job, making it run smoother and fit into the work of others. The course has been running for two years and has had over 100 scholars benefit from it. “Folks are happy to find something that may truly help them on the job,” asserts Rev. Brian Fesler, Pastor of the Church.

“This is a tool for any person and is being provided to anyone-not just Scientologists. It’s our aim to uplift the spiritual nature of Nashville, and that's going to need to include addressing work issues.” Fesler continues : “The course is easy. You come in for four hours, watch a film, do some practical exercises and you're done.

It can help frustrated bosses or concerned workers who are just trying to do their job, and at a time when roles are actually infrequent, this will bring a much needed boost to the area.” The requested donation for the course is $50 and students receive a copy of the book The Issues of Work by L. Ron Hubbard. To get some more information, visit the church at 1130 8th Avenue South or call 615-687-4600.

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24.9% Teen Unemployment Doesn't Answer The Question : How DO Youths Prepare To Compete For Their First Job? New Book “The Part-Timer Primer” Guides Teens Through The Process

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Search the online bookstores for “how to get a job” and you will see hundreds of titles. But search for a book specifically written for teenagers on how to land their very first part time job and you get No matches? Really? It begs the question : How DO kids gear up to fight for their very first part time job? Who teaches them what should be expected? How will they land a job when they have zero experience? Nicely in time for the summer job-hunting season and with almost one in four teens currently unwaged, writer and multi-small entrepreneur Darrell Doepke (declared “Dep-kee”) has released a book titled “The Part-Timer Primer : A Teen’s Guide to Surviving the Hiring Process and Landing Your First Job.” Doepke uses real-world true stories to clarify in extreme detail what youths should expect in the application and interview process– and how to prepare for it. He describes the method of elimination that occurs long before an inexperienced job hunter ever gets to a face-to-face interview. “It's a weeding-out process, and they have to know how to survive it,” asserts Doepke. At his own retail enterprises, Doepke kept seeing inexperienced job seekers who were unprepared. He started considering why. “How does a 16-year old make preparations for a hiring process they know nothing about?” Doepke asks.

gI 79991 Book Cover4.23.12 24.9% Teen Unemployment Doesn't Answer The Question : How DO Youths Prepare To Compete For Their First Job?  New Book The Part Timer Primer Guides Teens Through The Process

“If a parent sits down to have ‘the job talk’ with their girl or boy, do they know all the things they have to talk of? For such a vital step in a teen’s life, I suspect we as adults take a lot for granted . I used to be a bit surprised when I could not find any books that addressed the subject.” So he wrote one. In a fun and funny conversational style, The Part-Timer Primer explains the method of recruiting and hiring new staff from a SOHO business owner’s viewpoint. Doepke provides first time employment seekers with necessary steerage on such topics as finding your personal point of differentiation ; job application mistakes ; telephone and email screening techniques, practicing your oral talents ; social media cautions ; tattoo considerations and lots more. He also offers up twenty interview questions that any teenager should be ready to answer. Readers will more clearly understand why and how hiring decisions get made, and how first-time job seekers can gain an edge over other applicants battling for a similar job. Doepke’s viewpoint as a business owner provides valuable information that may simply be overlooked or, as is often the case, simply taken for granted.

And it’s delivered in a positive, inspiring and electrifying style. “It's a fast read ; less than two hours from the beginning to finish,” explains Doepke. “For the cost of a pepperoni pizza, a teenager can become much well prepared to take that first leap into the working world.” The Part-Timer Primer is at present available as an e-book and can be found at parttimerprimer new press release . It can also be found on our internet site the internet site and soon on iTunes and BarnesandNoble A paperback version will be available directly. Media Contact for The Part-Timer Primer : Darrell Doepke, Timbrewolfe Publishing, LLC 425-444-4131.

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22% Of Charities Ignorant Of Exclusive Unemployment Insurance Savings Option, Finds UST

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The study, which was released at the end of quarter one, surveyed about 300 non-profitable agencies and identified how nonprofits understand their unemployment tax options. As a self-reimbursing employer, the non-profitable organization pays the state just for the benefits paid out to their previous employees. On average, most bosses pay about $2.00 in taxes for every $1.00 in actual unemployment benefits paid out. While this option presents a significant savings for many non-profit making organisations, it may also present a cash-flow risk because of the volatility of claims activity in a weakly economy or in a period of sudden layoffs. In order to efficiently reduce unemployment costs, self-reimbursing employers must either commit themselves to reviewing all the unemployment claims presented to the state, a challenging process many don't have the wherewithal to totally commit to and which the state frequently overpays millions wrongly for new press release, or find a reliable source to check and handle their claims. Through the study, the Division of Nonprofit Research found that 64% of all non-profit organizations acting as self-reimbursing companies handle their unemployment costs through 3rd party trusts or other programs. Usually these third parties help give protection against the swings and roundabouts of layoff costs.

gI 85699 WSJ state by state improper claims payment 22% Of Charities Ignorant Of Exclusive Unemployment Insurance Savings Option, Finds UST

With a steep rise in unemployment insurance tax-rates already forecasted over the next ten years, it is more and more financially sound for admissible non-profitable companies to opt out of their nation's unemployment system and become a self-reimbursing employer. Though smaller nonprofits with fewer than ten employees are usually safer staying with the state tax setup (since one claim could cost more than they have paid in taxes), for most mid- to enormous nonprofit making organisations self-reimbursing is going to finish up a lot less high-priced than paying taxes in the long run. “Our research discoveries are surprising because so many qualified agencies have no idea they have the option to leave their state unemployment tax-rated system, or that they can seriously reduce the quantity of money they are paying each year in unemployment taxes.

We’ve discovered that sometimes an agency that opts out of the state tax-rated system to join UST saves $99.74 per worker in taxes, which adds up to thousands of greenbacks each year” stated Adam Thorn, who controls the Division of Non profit Research at UST. Founded by nonprofit making organisations, for nonprofit making organisations, the Unemployment Services Trust is the largest unemployment trust in the country, providing a safe, cost-effective alternative option to paying state unemployment taxes.

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Unemployment Mortgage Insurance Vs Incapacity Or Death Mortgage Insurance

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Many questions exist about the varied lines of mortgage protection insurance. Due to the rising number of home repos and high unemployment, you are searching for more details about this sort of insurance. Many wonder about the diversities between the different sorts of mortgage protection insurance and which one is the best for them. The $64000 question many face is should you get unemployment mortgage insurance, disability or death mortgage insurance.

Unemployment Mortgage Insurance Explained Unemployment mortgage insurance is for people that simply want protection in the event they lose their job. If you lose your job through no fault of your own, the mortgage unemployment insurance provider will pay you a cash benefit while you search for a new job. The recent unemployment crisis in the U.S. Has many of us anxious about the security of their job. You wouldn't be silly to be worried, nor would you be crazy to consider this sort of mortgage protection insurance.

While this type of insurance can be valuable to anyone that is the breadwinner for a family, it is suited more for the more youthful employee who wants the extra protection. Disability Mortgage Insurance Explained This type of insurance is designed to protect those that lose their job due to incapacity and are not able to pay their monthly mortgage. This may be a short-term disability or permanent incapacity. However, if you become permanently disabled, your disability insurance will pay just for a stipulated period of time. It relies on the policy how long that will be, though the more costly policies will probably cover you for about 3 years worth of home loan payments. Disability mortgage insurance is very like different types of mortgage insurance in that it covers your monthly home loan payments thanks to a loss of employment. In reality some unemployment mortgage policies will allow you to add disability coverage as an excuse for unemployment and roll both into the same policy.

An accident or any other reason can lead to your disability at any point, but as you age, the likelihood of becoming disabled increases. Due to this, incapacity insurance is often more useful to older employees where the risk appears higher. Death Mortgage Insurance Explained Death mortgage insurance is a little bit different from other types of protection insurance. Death insurance will pay the totality of your mortgage in the case of your death. It is meant to reduce the load of your family and permit them to keep the home you have given for them.

Like disability insurance, it can be of benefit to an employee of any age thanks to the chance of an accident or terminal sickness. Nonetheless older employees are much more likely to purchase this type of insurance due to the greater risk. You should consider that younger people with families who have not yet built up their savings and investments are the prime beneficiaries of this sort of protection in the case of an accident. All 3 of these types of mortgage protection insurance can be beneficial to you if you would like to add protection for your largest private investment. You must inspect your own situation to decide which type of coverage is best for you personally. Keep under consideration though, unemployment insurance, disability mortgage insurance, and death mortgage insurance aren't mutually exclusive and you can really seek 100 percent protection with all three polices from some providers.

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