Friday, September 25, 2009

Financial Meltdown continues

Been catching up on freebies, coupons, ebay, and any other way to solve my immediate financial meltdown (since my benefits ended with a short week). Today I asked for a loan from my life insurance. I also checked into the cash value of a few things. With the limited income of unemployment I need a boost to recoup my losses of the gap in payments.

My best bet is to keep slogging through this mess as best I can, gaining knowledge, and next week when I have some cash again launch the website even though I know it will morph 100 times in the next few months. Nothing is as dynamic as a webpage which can be changed at will. I have enough HTML to do that myself but that wasn't the case a few years ago.

I'm going to Milwaukee for a free event tonight at the Rehorst Distillery. I never saw a distillery in operation and they have a tasting at the end just like the brewery tours. I can't wait! I miss the cultural activities in the city so maybe we'll hit Milwaukee Art Museum for the Warhol exhibit that opened yesterday (since they are open till midnight tonight).

Tuesday, September 22, 2009

Progress

Its slow but steady here with my monetary situation improved a bit. (At least the rent and utilities are paid.) Staying home a lot and taking it slow means no spending and the whole allergy thing is not sending me into a tail spin as it has done so many years.

Typically I would have a sinus infection by now and even once it bloomed into a double ear infection. I do feel ahead of the game in that respect. Accomplished a huge list today already but am running out of steam for now.

Next is to make some business calls and watch a training session while waiting for the plumber. Yes to add to my joy, I have a leak in the basement (some kind of valve), it's pouring outside, gloomy as heck, but I keep making lists of things to accomplish and checking them off one by one. Gradually it is getting done step by step but the progress is slow.

On the other hand I do have a dinner date tonight. I get out of the house for a change, have fun conversation along with a great dinner, and hopefully hear some music. I just have to decide where dinner is going to be since its in my neck of the woods. My first choice is closed on Tuesdays so now what? Tune in next time for the answer . . .

Sunday, September 20, 2009

Under the weather and other complications

Although I have been making a daily itemized list and working to that plan, nothing ever prepares me for how much I slow down when I'm sick. I have always had stamina beyond what is the norm so when its gone I miss it.

Nothing serious this time just the allergy thing; I have issues during ragweed season. It can start me off on a upper respiratory infection so I like to I nip it in the initial stages or it can get me, then take forever to get rid of later. I had videos so that a nap and plenty of time snuggled up for rest was almost a pleasure.

Feeling better today, so I'm working off yesterdays list plus what was added for today. Unemployment Compensations Weekly Claims should be filed Sunday but so far today their system has been down. It keeps giving an estimate of when it will be ready in small increments, so far no go but I can try again in 15 minutes. Having to do things repeatedly doesn't help me catch up but I have to get that filed today if possible.

Next will be laundry after I see the "your claim has been filed" message but I don't want to go downstairs till that is completed. My knee is still iffy so extra trips up and down stairs are a no-no. In the mean time more videos frm Shawn and Scott Casey.

Friday, September 18, 2009

Being My Own Boss

I thought I would start writing and see where it goes. Its Friday, so most people are thrilled about that. To me its just another day. I'm staying home and conserving my cash. This is going to be a recurring theme for me in the weeks ahead as I get back on track. I'd like to take any spare money I can find and invest it in the website, email lists, and marketing.

I have a list of things to do today, but already I started modifying it. Since my knee is killing me now, I won't be going downstairs to do laundry. Tomorrow will be soon enough. That's one of the many advantages to working at home; you CAN modify your schedule when you need to do that for a good reason. You can travel and still work a bit to keep things moving. You can arrange your schedule around events and appointments.

Since I like to be my own boss, I need to start getting paid what I am worth for it. Now to get on with it. First I'll be working on increasing the number of streams of income, after that I can work on quantity of income from each of those streams. Then I'm sure I'll be back with a different product to add to the number of those streams again.

Thursday, September 17, 2009

EBay on the Cheap End

As a long time fan of EBay I deplore what they have done to the venue while still maintaining a toe hold with a store presence. This allows me to leave items parked there at a minimal cost. It allows me to continue my purge of personal items which are not necessary.


It will also be helpful when I get back to selling digital products even though they have changed the rules on doing it there. I will investigate that later in this series.

To get started on EBay, First things first:

When you start to sell on eBay you need some basics: an eBay account, an email account, and a Paypal account.


You probably bought some things on eBay so you may already have an account with some feedback. That helps since potential customers will be more likely to trust you if you have some positive feedback there. If you have no experience with EBay I recommend Turbolister which can be downloaded free here: http://pages.ebay.com/turbo_lister/

There is a quick guide there and their FAQ's are here: http://pages.ebay.com/turbolister2/faq.html No point in starting to sell one way and then having to learn a different way when you want to increase your volume of items. Turbolister will also retain your listings so re-listing becomes super simple.

A separate email account is not required but it does keep things sorted out for you. Your ISP probably offers you multiple accounts or you can go to http://www.Yahoo.com or http://gmail.google.com/ to get a free email account. I prefer Google's Gmail but it does take some getting used to at first. It utilizes labels instead of folders which allows you to have one copy of an email that you can access from multiple searches.


Paypal is essential to sell on eBay. It's the only method I use for Payment and with a Premier account I can accept credit cards, checks or direct transfers from bank accounts. People who use eBay are used to using Paypal. Becoming Paypal Verified puts another level of trust out there for
your customers.


A digital camera is pretty necessary to get the photos you need without spending a fortune. You also need to get a photo editing program. EBay University recommended Irfanview which is a free download at: http://www.irfanview.com/


The other thing they recommended at eBay University is Notepad for lots of things, even creating listings because it adds no formatting or other characters. I store all kinds of things there, html cheat sheets, listings I am likely to modify and reuse, backgrounds in html format, lists of book titles, wording I may want to paste into a listing, etc.


To find Notepad: click start, all programs, accessories and notepad should be in the drop down. If you can't find it there you can search for it from the start button and then double click the result that shows as an application.


To work with Notepad, once you open it, just type in the small window. I like to check word wrap under the format drop down so it doesn't run off the page. I have a shortcut on my desktop and on my start menu too since I use it pretty much every day.


Notepad is very handy and doesn't close when you get one of those horrible "Microsoft has encountered an error and needs to close" messages that make me want to scream. Recently I started using Foxfire and that seems to have the same instability but when it reopens it tries to reopen all your tabs.

For more on how to get started on EBay see my other blog:

http://bluesandmore.blogspot.com/

Wednesday, September 16, 2009

Rent Assistance

One of the things you need to consider when you are unemployed is alternate ways to bring in some money. Health and Human Services/Workforce Development will have some things that can help (like my $16 a month) food stamps, Badger Care, Resume Classes, and other programs that are not even a part of their organization (found pamphlets for the free clinic at their office). Mostly they can chew up your time if you are not careful.

The next thing I have to do is I need a review on my Food Stamps. Now its actually a card much like a debit card instead of paper slips to keep track of like they used in the past. These cards can be used in any supermarket and even at the Dane County Farmers Market.

Currently I don't qualify for much including rent assistance or heat assistance. After the first of the year its a different story, so January 2 if I'm not working (or maybe if I have to take something less than I used to make) I'll be applying for both of these.

In addition to assistance from the state and federal government there are private agencies. The free clinic is an agency run by donations. Community Action Coalition is a place to apply for rent help as is St Vincent de Paul. WHEDA has a program I spent many hours investigating to determine I'm not eligible.

Thats my major dilemma, anything that works off last years income, I made too much money then to qualify for now. After the first of the year its totally different since my income is below poverty level now. Unless something changes that soon. (I'm thinking multiple streams of income just may do that by then.)

Tuesday, September 15, 2009

Making progress against inertia and depression

I'm watching videos from Shawn and Scott Casey, Tellman, and Sam Crowley. The more positives I take in, the less the negatives will have affected me in the long run. I'm still fighting inertia and depression but making forward steps all the time. Years ago I learned your mental state is like a bank balance: positive ideas are like a deposit and negative ideas are like withdrawals. To stay in the black is how you can move ahead.

I need a little money (which will come this week) to make progress in putting up the sales page. Money also is needed to pay eBay so I can add items for sale. EBay has a two fold purpose for me. It will be a good link to sell and advertise info products (I have a long standing reputation there) plus getting rid of jewelry and accessory stock that is taking up space here that I could use for so many other things.

Once this project starts returning a little income it will be easier since the inertia will have turned. Who knew when I started this process (and really when was that start) where it would lead? How many of us know or can identify where or when a process started?

I have gone to various fortune tellers in the past and all of them say I will be a huge success later in life. I'm ready! I have passive income to get me through while I get underway. So let's do it!

Monday, September 14, 2009

UC can be problematic

Its good to make plans but the follow through is even more important. Fear and anxiety have taken hold during my away time and money is a problem. My latest glitch with Unemployment Compensation is causing me huge money issues. That has caused some depression so I have been "licking my wounds" so to speak but listening to motivational materials to turn things around in my head.

Let me explain, so you can see the pitfalls. Back in June, when they stopped paying to "investigate" whether I should be paid during the summer (after working in a school). I got to leave home and stay at my sisters where she provided room and board (plus visiting with her and my nieces and even some fancy dinners). That was like vacation. By the time I came back they had "caught up" with my claim checks so I could handle the bills.

During the process of the "investigation" I had asked about the extension and was told it was automatically approved. I asked if I should do anything to expedite it and was assured there was nothing to do. What I didn't realize was since I had worked as a temp my weeks of compensation were not coming out even. The extension would not be processed till the existing claim was exhausted. They would never pay the end of that week to me!

Imagine my surprise when I opened my bank account to discover I had been given almost $300 less than I expected. Then the really tragic part started with auto withdrawals and checks that were outstanding. The more that came in, the deeper that hole got. Thank goodness my credit union covered those payment. Kudos to Summit Credit Union for keeping this from being worse!

So now I'm struggling to catch up with the bills that went unpaid in the time frame that I usually pay them. The problem with operating on a shoestring is no margin for error.

Saturday, September 12, 2009

Job article in the NY Times

Interesting article for job hunters in the NY Times today
http://www.nytimes.com/2009/09/13/jobs/13search.html

Subtle Cues Can Tell an Interviewer ‘Pick Me’
By PHYLLIS KORKK
Published: September 12, 2009

IT’S always fun to hear hiring managers recall the most boneheaded mistakes they have seen job seekers make during an interview: showing up in flip-flops, say, or taking a cellphone call while meeting the company president.

But that kind of cluelessness is rare. More common are the subtle missteps or omissions that can cause one candidate to lose out to another. If one person is sending out the right signals and behaving in the right way through each step of the process, he or she has a much better chance of landing the job — even with an inferior résumé.

Now here’s the tricky part: there is no single set of rules. While certain standards of courtesy always apply (be punctual, treat everyone you meet with respect), your success may depend on the company’s culture and the preferences of the people doing the hiring. Your ability to sense, and to act on, these factors could make a big difference.

When Susan L. Hodas, director of talent management at NERA Economic Consulting, is hiring, she looks for the right cultural fit as much as the right experience. To some degree she goes with her instincts, she says, but she can also identify certain preferences. Here is one: “They should come in a suit,” she said.

Body language is also important, Ms. Hodas says. She is looking for an assured but not overly casual demeanor, along with good eye contact. She is also looking for people who can enunciate their words (mumblers beware) and who can communicate their thoughts and ideas clearly.

Over all, she says, she is looking for people who are “confident but not cocky.”

She says she and her colleagues apply “the airport test” to candidates. They ask themselves: “Would I want to be stuck in the airport for 12 hours with this person if my flight was delayed?”

It seems that just being yourself — albeit a formal, polite, alert and attentive version of yourself — is the best way to behave during interviews. You don’t want to do such a great job of faking it that when the company discovers the real you, it comes to regret ever hiring you.

That said, there are certain things you can do — both during the interview and afterward — to give yourself an advantage.

You should always research the company thoroughly (easy to do on the Internet), and be prepared to give specific examples of how your experience relates to the job. Also be able to describe as concretely as possible how you made a difference in your previous jobs.

Researching the company will help when the interviewer asks whether you have any questions. Do have questions, said David Santos, executive director of human resources for Interbrand, a brand management firm. Not having any shows a lack of interest and preparation, he said.

Make sure your questions show knowledge of the company and your interest in contributing to its success. You’d be surprised how many people focus on themselves, not the company, by asking right off about things like salary, benefits and bonuses, said Annie Shanklin Jones, who manages United States recruitment for I.B.M.

Try to establish common ground with your interviewer so you stand out, Ms. Shanklin Jones said. Maybe you went to the same college or you pull for the same sports team, she said. During the interview, “leverage your referrals,” she said, finding ways to highlight the people you know within the company.

What if you don’t have these advantages? Ms. Shanklin Jones said that one candidate for a sales position, after his first interview, sent a file listing his software certifications and showing that he had exceeded his sales quotas quarter after quarter. This was an important factor in the decision to hire him, she said.

Depending on the job you apply for, you may be called back for an interview several times. How you follow up after each interview is crucial. Not following up at all shows a lack of interest. Following up too much, or in the wrong way, could take you out of the running.

Mr. Santos says he looks for prompt follow-up by e-mail that shows the applicant was listening attentively, that mentions names of people the candidate met, and that reaffirms the candidate’s work experience and understanding of the company. Much less impressive is a generic e-mail that could be sent to any company, he said.

Follow-up letters can do as much harm as good, Mr. Santos said. If they are too casual, or too pushy and demanding, for example, the writers show that they don’t have an understanding of the company and the hiring process, he said.

Paper or e-mail? Mr. Santos’s preference shows how tricky this can be. He says that for a company like his, which is more digitally focused, it would show a lack of awareness to send a traditional thank you note through the mail. On the other hand, he does expect candidates to show up for interviews with printed copies of their résumés.

Given that all companies and hiring managers are different, getting through the interview process can seem like walking a tightrope. But common courtesy, combined with common sense, plenty of research and a dose of intuition can go a long way toward bringing you safely to the other side.

E-mail: thesearch@nytimes.com.

Tuesday, September 01, 2009

Inertia

Starting over isn't as easy as it was the first time. I will not dwell on that. I just remind myself that every day is a chance for a new start.

I reviewed and revised my short term goals and started a daily chart to track progress. Each step forward will create inertia of its own.