Showing posts with label Live. Show all posts
Showing posts with label Live. Show all posts

Gunnar, the U.S. Navy seal, dies at age 38


Gunnar, the U.S. Navy seal, dies at age 38 - He was a U.S. Navy seal best known for learning to use a screwdriver. And now Cold War veteran Gunnar has passed away on Monday. He was 38-years-old at the time of his death and enjoying some quiet living in Washington DC's National Zoo.

To be clear, Gunnar was not a U.S. Navy SEAL, the elite military group that took out Osama bin Laden. Rather, Gunnar was an actual seal, used by the Navy during the Cold War to fetch items from the ocean floor at depths of nearly 500 feet.


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Gunnar, the U.S. Navy seal (Mehgan Murphy/AFP)


"In his career as a navy seal, Gunnar learned how to insert and remove equipment, use a screwdriver and turn a large wheel valve," the National Zoo said in a statement.

And despite his military experience, Gunnar actually outlived the typical male seal lifespan by about eight years.

Gunnar spent the last 33 years at the zoo, when he arrived there in January 1979 after being transferred from the Naval Oceans Systems Center in San Diego, California, where he was part of the Navy's Marine Mammal Program. Born in Iceland, Gunnar could reportedly hold his breath under water for 20 minutes at a time.

Gunnar fathered two female pups, Kara and Kjia, who now live at the Adventure Aquarium in New Jersey. ( The Sideshow )


Blog : Beautiful Scene | Gunnar, the U.S. Navy seal, dies at age 38

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11 Things You Should Stop Paying for in 2012


Ten Things You Should Stop Paying for in 2012 - Looking to tighten your belt in 2012? You can start by using coupons, searching for discounts or simply buying lower-cost versions of the items you typically purchase. But if you're looking for truly big savings, consider entirely cutting out the products and services you really don't need.

"There are lots of things that you can eliminate from your life altogether, and you can do it without sacrificing convenience and quality of living," Andrew Schrage, co-owner of Money Crashers Personal Finance, tells MainStreet.

Indeed, from those daily coffee shop runs to your landline phones, there are many items you can certainly live without this year if you're looking to build up your savings.

Here are 10 things to consider cutting from your budget in 2012 so your new year isn't filled with new debt.

Coffee Shop Visits

We know, it's hard to resist those morning coffee shop runs, but even buying just one cup every day can make a dent in your wallet. A small coffee from my local Starbucks (12-oz.) costs $1.75, which equals $12.25 a week if you buy one cup a day or almost $25 if you buy two cups a day.

A cheaper alternative would be to brew your own. You can buy Folgers ground coffee at Wal-Mart for about $10, and that brews about 270 6-oz. cups (or 135 12-oz. cups). The expense of filters is minimal, too. For instance, you can buy a 200-pack of filters by Original Gourmet Food Co. Coffee Pro for about $2 at Wal-Mart.

Incandescent Light Bulbs


You've heard that it's "greener" to switch to energy-efficient light bulbs and that it could save you money on your electric bill in the long run, so if you haven't done so already, what are you waiting for? Although it will cost you a few more dollars up front, replacing just one traditional incandescent bulb with a bulb that qualifies for the government's Energy Star program will save $40 or more over the lifetime of the bulb, and changing five bulbs will save $200 or more over the lifetime of the bulb, according to the Energy Star website. What's more, Energy Star-qualified light bulbs last at least six times longer than traditional incandescent bulbs.

Disposable Water Bottles


Whether you're heading out to the gym or packing your lunch for work, it's easy to just throw a disposable water bottle in your bag for whenever you get thirsty. But those bottles can really add up, even if you buy them in bulk (a 12-pack of half-liter Poland Spring bottles cost $3.99 at my local grocery store, which only lasts me about a week).

To save money, skip the disposable bottles and buy a reusable Brita water bottle for $9.99, which will purify any tap water you add to it. You'll just need to change the filter every two months, which costs $7.99. That means your costs for the first two months are about $18, and after that you'll only be paying $7.99 every two months for as much water as you'd like to drink.

Baggage Fees

These days checking a bag for a flight can cost a pretty penny, with Continental, Delta and American Airlines charging $25 for the first checked bag and $35 for the second checked bag on domestic flights. If you fly often, avoid the fee by packing your things in a carry-on, or consider sharing a checked bag—and splitting the fee—with a family member or friend you might be traveling with.

You could also choose to fly with an airline that does not charge for checked bags. For instance, Southwest will accept the first two checked bags for free, as long as they're not more than 50 pounds and 62 linear inches in size (combined length, width and height) each.

Subscriptions You Don't Use


Is your coffee table cluttered with magazines and newspapers you don't get around to reading? While we're certainly not advocating cutting out any reading materials you rely on, it's worth canceling subscriptions to publications that you really don't read, or that you could easily read for free online. For instance, a subscription to the print edition of The New York Times cost $5.85 per week for daily delivery, and a one-year subscription to Men's Health costs $19.90 plus $4.97 for delivery, but you can read articles from both publications online for no cost.

Baby Food


You want the best for your little one, but those jars of baby food can get pricey. An equally healthy and more affordable option is to make your own baby food. Here's an easy recipe courtesy of Leslie Banister, chef for the website Food on the Table. All you'll need are veggies, water and a blender or food processor. This recipe makes six servings.

Ingredients:

  • 1 cup of fresh vegetables
  • Water
Directions:
  1. Cut vegetables into small pieces (1-inch cubes).
  2. Place veggies into a steamer basket with just enough water visible through the steamer basket.
  3. Steam until tender
  4. Do not reserve any leftover water to use for thinning out the carrots if your baby is under eight months old, as nitrates may seep into the cooking water.
  5. Place steamed vegetables into a blender or food processor.
  6. Add purified water as necessary to achieve a smooth, thin consistency.

Credit Score Fees

If you're looking to be more financially sound in the new year, it's a good idea to check your credit score. But while some companies will charge you a fee, others offer free versions—you just have to know where to look. Here are three websites where you could get your score for no charge.

CreditKarma.com: To get your free score, you must create a free account on CreditKarma.com. Doing so requires you to enter your Social Security number and answer some questions about the accounts appearing on your credit report—such as which lender is associated with your auto loan—to verify your identity.

Quizzle.com: You can get a free copy of your Experian credit report and accompanying score on credit monitoring site Quizzle.com. To do so, you must create a free account on the site. Although you won't have to enter your Social Security number, you will have to answer some questions about your credit history to verify your identity.

CreditSesame.com: You can also get a free version of your Experian score on CreditSesame.com, which you can obtain by providing your Social Security number and answering some personal questions to verify your identity. Credit Sesame also has a free iPhone app that will provide a free score as well as monthly updates on your score's status.

Cable


You don't have to shell out hundreds of dollars every year to watch your favorite shows. This year, consider canceling your cable and taking advantage of several free and low-cost entertainment services. The website Hulu, for instance, lets you watch a variety of hit shows for free such as Glee, The Office and Modern Family, plus movies and documentaries. Or for $7.99 a month, you can take advantage of Hulu Plus, which gives you access to all of the selections on regular Hulu, plus more shows and movies.

You can also watch many shows for free on the network's website, or pay $7.99 for Netflix, which provides access to unlimited movies and TV episodes.

Landline Phones

If you think about it, that landline phone really isn't necessary if you're trying to cut costs. You could make calls on your cellphone, or take advantage of free calling services. For instance, Skype provides free calls to other Skype users and free video calling (in which you talk face-to-face with live video).

You can also take advantage of Google Voice, which lets you place free calls to the U.S. and Canada and charges low-cost rates to other locations, including 10 cents per minute to France and Germany.

Schrage also suggests replacing your landline phone with the magicJack, a device that lets you make calls over the Internet. The magicJack plugs into your computer's USB port, and has a standard phone jack into which you can plug a standard phone. The device costs $39.95 the first year plus $6.95 for shipping and handling, and after that you'll only have to pay a $19.95 annual renewal fee

Cleaning Supplies

If you’re doing multiple loads of laundry per week, those bottles can go fast – and add up in price. An alternative is to stop buying detergent and start whipping up some of your own. Sound daunting? It actually can be done easily with just a few common household products. Here’s a recipe for liquid detergent courtesy of Money Crashers:

Ingredients:

  • 2 gallons hot water
  • 1 bar soap, grated
  • 2 cups baking soda
Directions:
  1. Melt bar soap in a pan with just enough boiling water to cover. Stir until the soap is completely melted.
  2. In large pail or bucket, pour in 2 gallons of hot water. Add the melted soap.
  3. Add the baking soda, and stir well. Use 1/2 cup per load, or more for oversized or very soiled loads of laundry.

ATM Fees

Nothing’s more annoying than being short on cash and having to pay a surcharge at an ATM. And with ATM fees often ranging from $1.50 to $3 per transaction – and sometimes more – we felt it was worth exploring a few ways to avoid them.

If you use your debit card at certain merchants, such as CVS and Rite Aid, you can often get cash back for no additional fee. Another option is signing up for a credit union that’s part of the CO-OP Network, which allows access to 28,000 surcharge-free ATMs across the U.S. and Canada. The CO-OP Network website also lets you type in your current location to find the closest ATM.

Home Repairs You Can Do Yourself

From fixing that leaky faucet to repairing your washing machine, it might not be necessary to call in a professional. Many home repair projects can actually be handled yourself, which can save you big bucks. A good place to start is by checking out the website of The Family Handyman, which offers step-by-step instructions on a variety of home repair projects, from plumbing and electrical fixes to repairs in your kitchen, bathroom and backyard.

Although you might have to spring for a new tool set if you don’t have one already, it’s well worth the investment when you consider the savings in the long term. ( mainstreet.com)

READ MORE - 11 Things You Should Stop Paying for in 2012

Proposals Gone Seriously Wrong


Proposals Gone Seriously Wrong.These eight stories prove that the pop-the-question process doesn't always go smoothly. Plus, tips on how to get the proposal you're hoping for.

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Proposals Gone Seriously Wrong


Ring Around the ... Ow!


"I was ecstatic when my boyfriend of three years proposed. He took me out to dinner, and the actual proposal was really emotional and touching. Even better: He invested in a serious rock for me. When he went to slip it on my finger, it was a little small, but I was so excited that I forced it on. Within an hour, my finger had swollen to twice its normal size, and the ring wouldn't come off. When my finger turned blue, my fiancĂ© dragged me to the emergency room. The doctor took one look and said he would have to cut off the ring. I cried the entire time. Luckily, we were able to get a bigger band for the diamond the following week." — Samantha, 27

Lovesick

"I love my girlfriend and knew she was The One. But for some reason, I got nervous whenever I thought of asking her. Finally, I decided to put my fears aside and just do it. One night, I asked her to go on a walk with me, and then I got down on one knee. I blurted out the question, and she said yes and started crying. All the emotion and nervousness got the best of me because as she was jumping up and down, I bent over and threw up. We have been married for a year and can laugh about it now, but it was a sore subject for quite some time." — Eddie, 29

Alternate Plans

"I wanted to ask my girl to marry me at 12:01 a.m. on her birthday. Weeks in advance, I let her sister, Lisa, know my plan and told her to expect an excited phone call shortly after I popped the question. The day before my girlfriend's birthday, I went to pick up the ring from the jeweler. I was bummed when they told me it wasn't ready yet and decided to postpone asking her. That night, she and I still went out, and when I went to the bathroom, my girlfriend happened to call her sister, who picked up and screamed 'Congrats, bride-to-be!' I had forgotten to fill Lisa in on the change of plans, and the surprise was totally ruined." — Tim, 32

Gold Digger

"My guy and I had been dating for about a year when we decided to go on a vacation to Mexico together. After a romantic dinner on our last night there, we took a stroll on the beach. I was thinking about how much fun we were having when I looked down and saw that he was holding a ring in front of me. We hadn't been together for very long, and I was so shocked that I screamed, causing him to jump and drop the ring. When he went to get it, it was buried in the sand. We spent 10 minutes digging it up before I could say yes." — Elise, 30

A Rocky Proposal

"My boyfriend took me to New York City for the weekend and scheduled all these romantic events, like a carriage ride in Central Park, a trip to the top of the Empire State Building, and a really fancy dinner at a nice restaurant. I thought for sure he was going to ask me to marry him because we had been talking about it for a while. So when he hadn't asked by the end of the weekend, I got really pouty and picked a fight about whether he was serious about us. He tried to calm me down with his usual 'I'm certain you're The One; I just want the time to be right,' but I was so mad that I started packing so I could go to the airport and leave early. He finally had to tell me that he'd planned to ask me that night after a Broadway show. I didn't believe him until he pulled a ring box out of his suitcase. Unfortunately, my bullying had totally destroyed the moment." — Tricia, 24


Surprise Strikeout

"I am a huge baseball fan, and my girlfriend, Sarah, became one too. When I decided I wanted to spend the rest of my life with her, I knew just how to ask her. I got tickets to a game, called the field, and paid to have 'Sarah, marry me' flashed across the jumbo screen. I was told that the announcement would be shown between the fourth and fifth innings. So when Sarah got up to go to the bathroom after the third inning, I thought it wouldn't be a big deal. As I was sitting there by myself, the announcement flashed on the screen, and a camera pointed directly at our seats. The entire stadium saw me sitting there alone. Sarah came back a few minutes later, but by that time, the moment was long over. I asked her anyway, but it wasn't quite the surprise I had hoped for." — Jonathan, 28

Indecent Proposal

"My boyfriend called and told me to meet him at his place for a date. I was running late, so I decided just to go over first and then get ready — I leave plenty of makeup and clothes there. I drove over in pajama pants, with my hair in a ponytail, and wearing no makeup. When I walked in, my entire family was standing there, and my guy was on one knee. Flashes started going off as my two sisters began taking pictures. All I could think about was how terrible I looked for one of the most important moments of my life. I was so embarrassed that I actually started crying. Thankfully, everyone thought it was because I was happy." — Erin, 23

In the Doghouse

"Tanya, my girlfriend, really wanted to get a puppy, but I told her I didn't think we were ready for that responsibility. About a year later, I knew I was ready for our relationship to go to the next level, so I planned a sweet surprise for her. I picked out the perfect ring, then found a breeder and bought a baby golden retriever. One day, when Tanya wasn't home, I brought the dog there and tied the ring around its neck with a thick pink ribbon. I figured that she would come home, the puppy would run up to her, and she'd find the diamond. Well, she got home, found the puppy, and was thrilled ... but when I told her to look around its neck, nothing was there. Somehow, when I wasn't looking, the dog had pawed the ribbon off its neck. We had to ransack the entire house to find the ring." — Mike, 31

Four Tips for Getting the Proposal You Want

1. Keep All Love Expectations Real

High hopes in any romantic situation are normal, but there's no need to freak if things don't go as fantasized.

2. Enlist Your Friends

Ask a pal to let you know when you're overreacting. Sometimes friends think you want them to humor your unrealistic complaints. And don't judge your guy based on what your friends' boyfriends do. It is not fair to him (those guys have flaws too!) and will only make you miserable.

3. Focus on the Good

He showed up with two dozen tulips, totally spacing that you love pink gerbera daisies? Thank him for remembering that you love flowers, and concentrate on how lucky you are to have a man who tried. Dwelling on what you didn't get only encourages you to find fault.

4. Drop Hints

Your guy can't read your mind, so if you have your heart set on something specific, give him a heads-up with a line like "You know, it's our anniversary next week, and I've been wanting to try that cute new bistro." It's not nagging — it's making his life easier and improving your experience. — Molly Creeden ( msn.com )



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Seven Things You Should Never Do In a Job Search


Seven Things You Should Never Do In a Job Search. Are you inadvertently sabotaging your job search? No matter how skilled or experienced you are, a few easy-to-make mistakes can get in your way.

A single typo on your résumé, for example, may cause hiring managers to question your professionalism and attention to detail, undermining your many professional accomplishments. Put simply, even one wrong move can cancel out all the right ones you've made.

Here are seven common job search mistakes and how to avoid them:



1. Keeping your search to yourself

If no one knows you're looking for a new job, you may inadvertently be extending the length of your search. Talking with your family, friends and acquaintances is one of the best ways to identify new professional contacts and learn about job openings, even those that aren't advertised.

Professional networking Web sites, such as LinkedIn or BrightFuse, are also good avenues. In fact, 62 percent of executives interviewed by Robert Half International believe professional networking Web sites will prove useful in the search for job candidates in the next three years. Moreover, 35 percent of respondents cited social networking sites -- such as Facebook or MySpace -- as recruiting resources they plan to tap. Remember that the larger your network, the more job openings you will hear about.

2. Not doing your research

More than three-quarters of executives polled by RHI said job candidates they meet with display at least some knowledge of the company or industry. If you're not part of this majority, you're doing yourself a disservice.

Applicants who uncover beyond-the-basics knowledge of the job and company are better able to communicate specific ways they can contribute to the organization's success. Peruse corporate Web sites, trade publications and local business journals, and check in with members of your network to gain insights into the firm's challenges, opportunities, culture and values.

3. Flooding the market with an untargeted résumé

Online job boards have made it easy for applicants to apply for a position with the simple click of the mouse. But don't blindly blast your résumé to every company you come across. Hiring managers seek tailored résumés that tie a job seeker's unique skills and abilities to the requirements of the position. Take the extra time and effort to customize your application materials to each opportunity; any information you gathered during your research can prove particularly valuable here.

4. Neglecting the cover letter

Not including a cover letter with your résumé -- even when you've applied for a job online -- is passing up an opportunity to market your skills. In a survey by RHI, 86 percent of executives said cover letters are valuable when evaluating job candidates. A cover letter allows you to explain in greater detail the specific ways in which your expertise can benefit the firm.

5. Failing to proofread

Be mindful of spelling and grammar in your résumé and cover letter. Eighty-four percent of executives surveyed said it takes just one or two typographical errors to remove a candidate from consideration for a job opening.

Make sure all of your written communications with a potential employer, including e-mails and thank-you notes, are error free. To avoid this mistake, consider asking a detail-oriented friend to review your job search materials before submitting them.

6. Searching on your employer's time

If you are employed, it can be tempting to surf the Web for job openings at work. But doing so can quickly land you in hot water. Many companies monitor employees' Web use and, if your boss discovers you're using work hours to search for a new opportunity, you can jeopardize your job. Any activity related to your job search, including scheduling interviews and completing application materials, should be completed on your own time.

7. Failing to follow up with hiring managers

If you've applied for a job and haven't heard back, it's foolish to assume the position has been filled or you are not right for the role. Your résumé may simply have gotten lost in the flood of other applications.

Eighty-two percent of executives surveyed said candidates should contact hiring managers -- whether by e-mail, a phone call or a personalized letter -- within two weeks of submitting a résumé.

One final word of caution: An extended job search can put pressure on you to accept any offer that comes your way, but do your best to avoid taking a position that may cause more heartache than happiness. You may have to accept a less-than-perfect role in certain situations, but don't feel guilty holding out for a position with maximum appeal if you have the financial means to do so. ( msn.com )



READ MORE - Seven Things You Should Never Do In a Job Search

When You Don't Know What You Want to Do


Finding a Job When You Don't Know What You Want to Do. One of the most exciting aspects of a job hunt is the opportunity to pursue any career you want. An endless array of jobs awaits you; hundreds, thousands, perhaps hundreds of thousands. Surely you can throw out enough résumés to net the job of your dreams, right?

Alas, it's not that easy. You can't expect to compete with other job seekers if you don't know what you want. Unfortunately, a lot of job seekers don't know what they want to do when they find themselves looking for a job.

Maybe you're young and unsure of your future -- you might even have a degree. You might have been part of the work force for a decade or more and recently realized you don't like what you're doing, but you don't know what's next for you. Not knowing what to do first can be overwhelming, if not disheartening.

"Candidates looking for a job have to start somewhere," says Donna Flagg, president of the Krysalis Group, a business and management consulting firm. "I think the most important thing is not to try to decide on what long-term career is best, because it's too daunting. However, it's not hard to think about places, jobs or things that make you happy or that interest you. Start there and back into employers that may offer such an environment."

The problem, of course, comes with singling out a job that you'll enjoy.



Write it down

Your first step should get your brain working, according to Simma Lieberman, a performance improvement consultant and coach.

"Make a list of jobs, careers and topic areas that have interested you. Don't censor yourself or think of reasons why you shouldn't list them," she suggests. Then start researching.

Browse your social and professional networks for people in the industries that interest you and ask them any questions you have. Try to find experts in these fields who would be willing to have a brief informational interview with you. "After your interviews and research, list the pros and cons, skills and experience needed to be successful, and determine what careers or jobs match your interests, needs and wants."

Throughout this process, remember that you shouldn't close off any avenues without good reason. If you're a numbers person who can't even draw a smiley face to save your life, then you may want to cross artistic careers off the list and consider something in finance. But don't assume any field in finance is off limits because of a scant work history.

Of course, experience is key. Not just the experience you have, but also the experience you're willing to gain, says Annemarie Segaric, author of "Step into the Right Career: Change Your Life While Still Paying the Bills."

"Realize that it's often unreasonable to expect to know exactly what you want without the experience of working in different jobs in the first place. This will take the pressure off of you from having to know what you want to take action," she says. "Instead, taking action on different opportunities will help you hone in what you like and don't like."

If you have worked for two years or just have an internship under your belt, you should already have some idea of what you're good at and what you don't like. Even if it's as simple as realizing you don't like working with customers on a regular basis or you can't stand a cubicle job, knowing what you won't do is helpful to find out what you will do.

"Remember this is not the last job you'll ever have, so let your degree, your passions or even your alumni contacts in a certain industry guide you," she reminds. "You will be able to make this job a steppingstone on this long and often winding career journey."

The process

Once you've got the right mind-set to find a job, you still have to apply and interview, just like all other job candidates, many of whom have known what they wanted to do since they first uttered the words "director of human resources" while still wearing diapers. So when you walk in to an interview, you might not be 100 percent certain you want the job, but don't let the hiring manager know.

Tina Hamilton, president and CEO of HR company hireVision Group, offers some tips for job seekers still trying to find their direction.

· Look for jobs that align with your education.

While you don't want to limit yourself too much during the job hunt, don't apply for a job as an investment banker if you're about to complete a bachelor's in studio art.

· Use your cover letter to illustrate your qualifications.

As with any job hunt, help the hiring manager see why you're a good fit for the position. Don't make him work too hard.

· Don't indicate your lack of direction.

If you admit to the hiring manager you're just trying this job on for size, you're telling him or her that you might not stick around for too long and you raise doubts about your qualifications.

· Don't ask the hiring manager, "What position do you think I should be applying for?"

"These are not career counselors," Hamilton cautions. "If you are turned away for a job you may ask if there is another area in the organization that the interviewer feels might be a better fit for you." ( msn.com )



READ MORE - When You Don't Know What You Want to Do

Five Things Mom Taught You About Networking


Five Things Mom Taught You About Networking. Mothers are beautiful things. They care for us, they nurture us and they teach us the do's and don'ts of life.

I've learned a lot from my mother, especially when she taught me all about life, love and networking. I'm sure she didn't realize she was teaching me about networking at the time! Indeed she was, and I bet your mom taught you about networking as well. Perhaps my mom's words might sound familiar to you.



1. "Share your toys"

I can't remember how many times my mom told me to share. She thought it was important that we knew how to give to others. Growing up in a large family, I had to share almost everything. Sharing is good to learn when you're young, because it's a skill that helps to make us approachable.

Networking just wouldn't be networking if we didn't share. We can build stronger relationships with people when we're willing to share our resources. Some of our best resources include time, money, connections, information, knowledge and skills. People appreciate us when we're willing to give to the relationship. Giving people are approachable and reap the benefits of reciprocity.

2. "Walk, don't run!"

I used to hear this phrase no matter where we were -- in the house, in the grocery store, in the mall, in church and even at school. As a kid, I was always in a hurry to get to the next exciting thing around the corner. I couldn't wait; there always seemed to be someplace more interesting than where I was at the time. My attention was short and my mom was trying to teach me patience.

Patience is a virtue when it comes to networking. A fast-paced networker misses the true essence of the event and could very easily blow right past a tremendous opportunity. Fast-paced networkers tend to build shallow relationships that offer little or nothing of value to your business. On the other hand, patient networkers build deep, long-lasting relationships that significantly impact the growth of their business. Establishing a network that has depth far exceeds one that is shallow and frail.

3. "You have to work for it!"

Nothing in life worth having comes easily; you have to work for it. My parents taught me this lesson by example. They worked hard for what they accomplished and gave to their five children. They were determined to provide a wonderful life for their family and indeed they did. Today, in their retirement, they are reaping the benefits of their labor.

Networking is no different. That's why it's called net-WORK; it's not net-SIT or net-EAT. Building relationships takes not only time, but effort and energy. It also takes commitment and dedication to the process.

Some people put their faith in the "six degrees of separation" theory, which tells them that they're connected to anyone by no more than six degrees. In fact, this theory is flawed. A study actually showed that only 29 percent of the population is indeed separated by six degrees. So, for the majority of us, we've got to work hard to get into the 29 percent and work hard to stay there. The reward for accomplishing this task is great -- beyond what we can even imagine. Our mothers must have had foresight.

4. "Say thank you"

Not long after my siblings and I began to speak, my mom was making sure that we knew how to say "thank you." As most kids do, I wanted to know why saying "thank you" was so important, because, being a fast-paced kid, there seemed to be no time for "thank you."

In true mom form, my mother would reply, "Because, it's the right thing to do." Before I knew it, saying "thank you" became second nature and it felt right. It became a part of who I am and how I operate.

Little did I know then that my mom was teaching me one of the biggest of life's lessons. Saying "thank you" shows your gratitude, expresses your appreciation and solidifies the steps made towards further developing the relationship. It seems as though these two little words don't pack much of a punch these days. I can assure you that a written note of thanks for the efforts of a referral partner will enhance the possibilities that person might refer you again.

5. "Clean up after yourself"

My mother keeps a tidy household. I know that she wanted her kids to learn to appreciate a tidy household, so she always would be sure to tell us, "Clean up after yourself."

Secretly, I think it was her way of delegating so that she didn't have to spend the little spare time she had cleaning up after five kids. For me, it worked. I can remember always putting my toys away and tidying up my room.

What does cleaning up after yourself have to do with networking? As kids, there was always one last thing to do when we played with our toys: put them away. That was our quiet lesson in follow up. We followed up every playtime with a consistent behavior of cleaning up after ourselves. Today, as adults, one huge component of networking is following up and, more importantly, our ability to do it consistently. Meeting people and building relationships mean very little if we never bother to follow up with them. Making promises to help someone without efficient follow-up is just a bunch of empty promises. This homegrown lesson in follow up might have been one of the most important networking lessons of all.

These five lessons grounded me as a person and helped to develop me into a successful professional. As I write this article, I can hear my mom saying, "Someday you'll thank me!" Thanks, mom, for covertly teaching me lessons that would one day help me to be an effective networker. Perhaps it's time you thanked your mom. ( msn.com )



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Top 10 Jobs in Entertainment


Top 10 Jobs in Entertainment. Think about the last concert you attended. The band members were onstage for two hours, but they didn't get there by themselves. Someone booked the venue, promoted the show, drove the musicians to the auditorium, set up the stage, orchestrated the lighting and then loaded everything onto the bus after the show.

Movies, plays and TV and radio shows are just as involved.

Not every job in the entertainment industry will get you fame, but many will let you be creative. More importantly, they will put you in contact with professionals who can serve as valuable network contacts if you want to make a move into a different role at some point.

If you've always wanted to work in entertainment but knew being a starlet wasn't in the cards, you still have plenty of options. From overlooked jobs to others you might have never heard of, here are 10 jobs in the entertainment industry:


1. A and R administrator

What you do: A and R administrators monitor the cost of recording an album. They track the cost of studios, musicians and other fees in order to keep expenditures within the allotted budget.

Pro: You're privy to the daily operations of making a record months before anyone will ever hear the music.

Con: Making music can be boring and handling budgets can be stressful.

2. Caterer

What you do: Make all the food that performers and the crew eat. Anywhere performances are held -- movie sets, concert tours, circuses -- you'll find caterers supplying food for everyone to eat before and after the show.

Pro: If you're a foodie, you get to marry your refined palate with access to music and movies.

Con: People are picky, so not only are you making food for a small army, you're also accommodating their strange tastes.

3. Cinematographer

What you do: Work with a film director to determine the visual look for a movie or a specific scene. You choose the film, lenses and any other tools that will achieve the look he or she wants, in addition to working with the rest of the filming crew to plan how to frame and shoot each scene.

Pro: Playing with camera equipment is fun and lets you access your creative side.

Con: A lot of variables -- like budget, weather, cast changes -- can affect how smoothly filming runs, making your job harder.

4. Critic

What you do: Review music, movies and plays. Critics get paid to listen to music, watch movies and attend theater and then critique it for newspapers, magazines, blogs, radio stations and TV shows.

Pro: You'd be spending money to do these things anyway, but instead someone's paying you.

Con: You have to endure some really bad art because someone's paying you to sit through it.

5. Makeup artist

What you do: Make actors, actresses and models looks gorgeous. Or freaky. Often the goal of a makeup artist is to erase any blemishes from an actor or model's face for a flawless look. Sometimes, depending on the role, fashion shoot or runway show, looking ugly or just plain weird is the goal.

Pro: You're an artist and your canvas is a human being.

Con: Clients aren't always nice and makeup trailers can be full of backstage drama.

6. Professional speaker

What you do: Talk to people about what you know best. Perhaps you don't think of speakers as part of entertainment, but they employ all the same elements of any other performer. Professional speakers take center stage and have to entertain you, whether it means boosting your self-esteem, educating you or just entertaining you.

Pro: People pay just to hear what you have to say. That's a nice ego boost.

Con: All eyes are on you, so every time you talk to a group, you not only have to win over the audience but you have to hold its attention.

7. Publicist

What you do: Get media coverage for your client, who could be an actor, musician or high-profile business owner. You approach reporters who might want to cover an event or interview your client.

Pro: You get to rub elbows with famous people and get chummy with major publications.

Con: Pitching a story isn't always easy and you can end up with a nightmare client whose name you want to keep out of the paper.

8. Stunt person

What you do: Fall down a lot. Stunt workers do the obvious death-defying leaps from buildings and car chases through the chaotic streets of a movie set, but they also work in operas, plays and TV shows.

Pro: You get to punch people, crash cars and watch buildings explode.

Con: You get punched, banged up in car crashes and burned by fiery debris.

9. Theater consultant

What you do: Use your knowledge of a theater's daily operations to assist architects and design teams who are drafting plans for auditoriums. You give your input on a variety of topics, from stage and seating layout to lighting arrangements.

Pros: As a theater lover, you help shape a venue that will go on to stage performances.

Cons: You're one voice in a big team, so your arguments for certain features might face opposition from people who are concerned more with design than functionality.

10. Writer

What you do: Write scripts for TV, film, radio and every other medium. Of course you know about the screenwriters when they accept their Oscars, but don't forget that someone's writing your favorite TV show and that funny commercial you saw during the break. The scripts reporters read on TV and on the radio also come from writers.

Pro: Your words reach people -- whether it's a few hundred or a several million.

Con: A lot of people stand between your pen and the final product, so your creative vision won't necessarily stay intact. ( msn.com )



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Ten Ways to Network Properly


Ten Ways to Network Properly. "People don't mind being used," says Chris Matthews, host of MSNBC's TV show, "Hardball with Chris Matthews." "What they mind is being taken for granted."

Right on, Mr. Matthews. Every day, people are taken advantage of when their acquaintances need help networking. It's become such an issue that it might do everyone some good for a little lesson in the networking etiquette department.

"In today's job market, the old cliché 'It's not what you know but who you know' has become, 'It's not what you know but who knows you,'" says Katharine Hansen, author of "A Foot in the Door: Networking Your Way into the Hidden Job Market."

Here are 10 important aspects of network etiquette, excerpted from Hansen's book:



Know your purpose for networking. It sounds obvious, but job seekers waste their contacts' time when they don't really know what they want to do, where they want to work or how the contact might be helpful to them. Think about what companies you want to target through networking and how you can identify connections that will lead you to those employers.

Do your homework. Don't ask your contacts questions that could easily be answered by doing a little basic research. The more you know about your contacts' companies and backgrounds, the more impressed they will be.

Don't act desperate. Your contacts will be much more willing to help someone who is confident and capable than someone groveling, whining and desperate. Don't forget that as high a priority as it is to you, your job search is not as high a priority to most of your network.

Listen. When someone is kind enough to offer you job advice, listen attentively. Write your contact a thank-you note and include something that tells your contact you listened.

Respect your contact's time. Don't drop into a contact's office uninvited, and when you call a current or prospective member of your network, always ask if he has time to talk. When the situation allows, bide your time before launching into networking conversation.

Ask for help in small doses. Don't burden your contact with overwhelming requests for help and advice. Ask more questions than favors. You can always ask for more at a later time.

Get permission before using a network contact's name to approach another prospective contact. Similarly, when you're scouting for new members of your network, tell prospective contacts how you got their names.

Be careful with your use of the word networking. Some people have grown weary of being networked. Unless you are attending a function specifically earmarked for networking, it's best not to advertise the fact that that is what you are doing. Instead, think of yourself as making connections, building relationships and seeking advice.

Don't be pushy and aggressive. Be sensitive to just how much a contact is willing to do for you and don't push beyond that limit. Be persistent but not annoying.

Remember that networking is a two-way street. The idea of reciprocity is perhaps the most important aspect of networking. Offer your help to your contacts and supply needed information whenever possible. ( msn.com )


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Sick leave myths busted


Sick leave myths busted. Unsure whether to bring a sick note after being off ill for two or three days? Here are the facts:


Myth – A sick note from a traditional healer is not a valid sick certificate.


Fact – A sick certificate from a traditional healer is valid as long as the practitioner is registered. The law says that a medical certificate must be issued and signed by a medical practitioner – that is a person who is certified to diagnose and treat patients – who is registered with a professional council that is established by an act of parliament.

Myth – I need to present a sick certificate if I was off for two consecutive days.

Fact – An employer can only request a medical certificate in an employee has been absent from work for more than two consecutive days – in other words, from the third day onwards. An employer can also request a sick note if an employee takes a day sick leave more than twice in eight weeks. If the employee does not produce a valid medical certificate in these circumstances, the employer does not have to pay the employee for the day he/she did not work.

If an employer has experienced a lot of problems with sick leave, he or she may include a clause in the terms of employment that requires an employee to produce a sick certificate under certain circumstances, for example when taking sick leave on a Monday or Friday.

Myth – Employers have no right to question a sick certificate.

Fact – The fact is that an employer has every right to question a sick certificate, especially if there are grounds to believe that the employee might not have been sick – as was the case of the employee whose picture appeared in the newspaper for winning a golf tournament on the same day he was supposedly sick with flu. However, an employer cannot refuse the sick certificate on a hunch, and would have to provide evidence – either proof that the sick note is invalid, or an eye witness that saw the “sick” employee dancing at a nightclub the night before.

Myth – Sick leave works on an annual cycle.

Fact – Sick leave works in a three-year cycle. During the first six months of employment, an employee may take one day's sick leave for every 26 days worked. Thereafter, an employee may take the number of days he/she normally works in six weeks during every three year cycle.

During the first six months of employment, an employee is entitled to take one day sick leave for every 26 days worked.

Myth – I have to put in normal leave when I stay at home to look after a sick child.

Fact - If the employee has worked for an employer for longer than four months, and works at least four days a week, he or she may take three days paid family responsibility leave during each year of employment. Family responsibility leave applies when the employee's child is born, when the employee's child is sick, in the event of the death of the employee's spouse, life partner, parent, adoptive parent, grandparent, sibling, child, adopted child.

An employer may ask for reasonable proof of an event when this type of leave is taken, such as a death certificate or doctor's letter for a sick child.

Myth – I can access my sick leave if I fall ill while on normal leave.


Fact – The law does not have any specific regulation around this and it may differ from company to company. However, labour law consultant, Michael Bagraims, believes that an employee is not entitled to "trade" their normal leave for sick leave should they become sick while on holiday.

Myth – I have to put in normal leave everytime I go to the clinic to get my medication.


Fact – According to Michael Bagraims a person can access sick leave when they need to do something in line with an illness. – ( health24.com )



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Depression and women


Depression and women. It is widely accepted that depression is more common in women than it is in men. The ratio is so disproportionate in fact that it is estimated that up to 70% of people suffering from depression are women.

This stark disparity has led theorists to ask: why are women so much more susceptible to depression than men? Various answers to this question have been proposed and it has become clear that all these factors, combined, contribute in some way to this trend.

Control

One of these answers looks at how susceptibility to depression is linked very closely to an individual’s perception of how "controllable" their environment is. Theorists have proposed that the more one believes that one has mastery and control over one’s life, the less likely one is to develop depression.

In our society males are encouraged to be assertive, independent and masterful. Women on the other hand are encouraged to be more passive, sensitive and perhaps to rely on others more than males are. It is believed that these culturally prescribed gender-roles place women at greater risk of developing depression.

Stress

Another answer offered looks at the response women tend to take to stress and depression.

Women have a tendency to ruminate more about their circumstances and blame themselves for their reaction to them.

Men on the other hand tend to ignore their feelings and engage in various distracting activities. The male approach is often the healthier one, where he is able to take his mind off his problems and focus on something else instead.

At a disadvantage

In addition, it has been argued that women are at a distinct disadvantage in our society, as they experience more prejudice, poverty, sexual harassment and abuse than men do. They also earn less and garner less power and status than men do.


Another answer given looks at role conflict and the burden of working and being a good mother at the same time. Juggling these dual roles in a relatively unsympathetic corporate climate can cause an incredible amount of stress in women’s lives and can trigger depression.

Who seeks treatment?

It has also been proposed that the statistics available on the male to female ratio reflect the disparity in terms of who actually seeks treatment, and not who is in fact suffering from depression. It has been argued that women, having been socialised to express feelings and to talk about issues that are bothering them, are more receptive to seeking treatment.


Men, on the other hand, often see "feelings" as abstract concepts and often don’t want to admit that they could possibly suffer from a "weakness" like depression.

Hormones

Finally, it is important to note that women are in many ways slaves to their hormones in ways that men just aren’t. Hormones impact directly on brain chemistry and can therefore directly trigger a depressive episode. Women deal with hormone fluctuations every month, when they fall pregnant, and at menopause. These fluctuations can be just what a woman, with a predisposition towards depression, needs to develop full-blown clinical depression.


In the case of menopause specifically, women do react differently to the process. Some are relieved never have to have another period, whilst others feel less attractive and experience a sense of loss of their femininity.

A range of uncomfortable "symptoms" may be experienced by the pre-menopausal woman, including hot flushes, low libido, cramps, difficulty concentrating and depression. It is important to stress that hormones alone don’t "cause" depression, but that they may trigger an already-present predisposition.

For the woman experiencing mercurial moods as a result of her hormone fluctuations, whether once monthly, during pregnancy or because she’s menopausal, there is an effective treatment. Speak to your doctor about hormone replacement therapy. In a case where the mercurial moods have descended into a full-blown clinical depression, the hormone therapy will probably not be sufficient. Additional medication and/or psychotherapy may be called for. ( health24.com )


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Depression and sex


Depression and sex. The symptoms of depression, like insomnia, a change in appetite, a feeling of worthlessness and anhedonia - a loss of interest in things that were normally enjoyed, including sex - can have an immense impact on libido.

Sleep deprivation is an underreported and underrated cause of decreased sex drive, and although researchers have yet to tease apart the sex-sleep connection, it's likely that the hormone vasopressin plays an important role.

The change in appetite common in depression can affect libido, either through weight gain and a combined feeling of helplessness and worthlessness leading to a negative body image, or even through weight loss due to restricted eating. Research shows that the brain chemical neuropeptide Y, which kicks into high gear in response to food deprivation, also undermines sex drive.

Antidepressants

When depression is treated, a normal libido usually returns, although sadly in some cases, some of the antidepressants used in the treatment of depression, can cause sexual dysfunction themselves. Up to fifty percent of people taking SSRI's, a newer type of antidepressant, experience this side effect.

Fortunately, there are ways around this problem. Discussing the problem with your doctor will allow the two of you to decide which alternative is best for you. The alternatives include: decreasing the dosage slightly, waiting six months until your body builds up a tolerance to the drug and the side effects diminish. Another option is taking a drug vacation, where you stop taking the drug on a Thursday and start again on the Sunday, allowing you a weekend with fewer side effects - although this can only be done with certain drugs under specific circumstances. The other option is to change your drug altogether or to start taking another medication in conjunction to counteract the sexual side effects of the first.

Give your libido a boost

A healthy lifestyle is the best way to ensure a healthy libido. Eating correctly, moderate exercise and enough sleep will help you cope with stress, maintain a good body image and keep those hormones in balance. Nevertheless like weight and romance, libido can wax and wane for any number of reasons, but there is no reason to suffer in silence and feign enthusiasm for a spouse's sake, for fear that diminished interest signals a decaying marriage. A decreased libido is something millions of people around the world each year seek treatment for, and like most other medical conditions it can be treated. ( health24.com )


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Shark fins traced to endangered populations


Shark fins traced to endangered populations. Delicacy from hammerheads of U.S. coastlines ending up in China markets. For the first time, DNA tools have successfully pinpointed the geographic origin of shark fins sold dried in markets to satisfy the demand for shark fin soup, a Chinese delicacy.

Using CSI-like genetic methods, scientists have traced scalloped hammerhead shark fins from a burgeoning Hong Kong fish market to the sharks' original populations, some of which are endangered and located in waters thousands of miles away, according to a new study published in the journal Endangered Species Research.


Image: Hammerhead sharks

Mahmood Shivji

Hammerhead sharks are being hunted in areas where populations have severely declined.


"Shark fins are popular because serving fin soup at important events, such as weddings and banquets, is a sign of wealth and status," lead author Demian Chapman told Discovery News. "Think of it as a Lexus in a bowl."

Chapman, who is an assistant director at Stony Brook University's Institute for Ocean Conservation Science, and his colleagues analyzed mitochondrial DNA sequences, passed from mother to offspring, for 177 live scalloped hammerheads in the Western Atlantic. They also took fingernail-sized DNA samples from 62 shark fins of this species obtained at a Hong Kong fish market.

A comparison of the two sets of data, along with information from prior research, revealed that the market fins came from populations in the Atlantic and Indo-Pacific.

Twenty-one percent of the Hong Kong market fins were found to have originated in waters off of coastlines of the United States, Belize, Panama and Brazil in places where the shark has been categorized as endangered by the International Union for the Conservation of Nature.

Proposal plans


Armed with the new information, Chapman and others plan to propose at the March 2010 Convention on International Trade in Endangered SpeciesQatar that scalloped hammerheads should be listed under the organization's Appendix II, which would require permits for, and monitoring of, all trade in the species across international boundaries.

"We now show proof that scalloped hammerhead fins are in the trade and that some proportion of them come from regions where they have been documented to have severely declined," co-author Mahmood Shivji, director of Nova Southeastern University's Guy Harvey Research Institute, told Discovery News.

Shivji, who also works at the Save Our Seas Shark Center, added that this new proof should help get around objections "that there is no point in listing (the sharks) because they are hard to identify and their origin cannot be reliably traced once the fins are detached and in the market pipeline."

Highly sought after

Scalloped hammerhead fins are among the most sought after delicacies by cooks since they help to create a particularly thick, gelatinous soup. Just 2.2 pounds of the coveted fins can sell for $120 U.S. dollars in Asian markets.

"The premium prices commanded by fins have fueled a global shark hunt of epic proportion," said Ellen Pikitch, executive director of the Institute for Ocean Conservation Science, which funded a portion of the research.

"Earlier work found that up to 73 million sharks are killed annually to supply the fin markets, and approximately 1 (million) to 3 million are hammerheads," she added. "Inadequate protection, combined with inexorable pursuit, has placed many shark species at grave risk."

Educational campaigns in Asia about ecosystem threats posed by shark finning, such as announcements featuring basketball star Yao Ming, have had some effect, particularly on younger consumers. But, as Shivji said, "traditional cultures are very hard to change and that will take time."

Although time may be running out for depleted shark populations, Shivji said outright bans on the sale of the fins are thought to be unfeasible and politically impractical at this time.

"Sharks are the top predators of the ocean, and have been for hundreds of millions of years," Chapman concluded. "It would be a tragedy if humankind snuffs them out, especially if for nothing more than an overpriced bowl of soup." ( Discovery Channel )



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Teen Obesity Ups MS Risk in Women


Teen Obesity Ups MS Risk in Women -- While there are plenty of good reasons to avoid obesity in your teens, a new study now suggests that extra weight in adolescence may increase your risk of multiple sclerosis (MS) later.

Reporting in the Nov. 10 issue of Neurology, Harvard researchers found that being obese at age 18 more than doubles a woman's risk of developing MS later in life compared to her slimmer peers.

"This is one more study that shows obesity leads to another unhealthy outcome, and obesity during adolescence may be critical in determining MS risk," said study author Kassandra Munger, a research associate at the Harvard School of Public Health in Boston.

Multiple sclerosis is a chronic disorder of the central nervous system, according to the National Multiple Sclerosis Society. Although no one is certain what the exact cause of the disease is, scientists believe it's an autoimmune disease. That means the body's immune system mistakenly targets its own cells. In the case of MS, the immune system destroys myelin, a fatty substance that covers nerve fibers, according to the MS society.

The current study included more than 238,000 women who participated in the Nurses' Health Study or the Nurses' Health II study between 1976 and 2002. The women were between 25 and 55 years old at the start of the study.

Body mass index (BMI) was calculated using information given by the women about what their height and weight were when they were 18 and at the start of the study. A BMI of 18.5 to 24.9 is considered normal, according to the U.S. Centers for Disease Control and Prevention, while 25 to 29.9 is overweight and above 30 is obese.

The women were also asked to look at pictures of nine different body silhouettes that ranged in size from very thin to extremely obese, and to identify which silhouette most closely matched hers at ages 5, 10 and 20.

Women who were obese at age 18 had a 2.25 times greater risk of developing MS, according to the study. Being overweight seemed to increase the risk slightly, but not to a level that was statistically significant, Munger noted.

A large body silhouette at age 20 increased the risk of MS by 96 percent, the researchers found. A large body size at age 5 or 10 was not associated with an increased risk of MS, provided that the woman had slimmed down by age 20.

Although this study wasn't designed to find the reason behind the increase, Munger said low vitamin D levels have been suspected of playing a role in the development of MS, and that people who are obese may have lower circulating levels of vitamin D. Another possibility, suggested Munger, is that fat tissue secretes a lot of substances that can affect the immune system.

"We're beginning now to get clues about things that might predispose a person to MS," said Dr. John Richert, executive vice president of research and clinical programs at the National Multiple Sclerosis Society. "Up until recently, we've looked at MS as a disease for which the onset can't be controlled, and though it's still mostly that way, maybe there are circumstances where people might be able to lower their risk a little bit. If all the incoming data [from this and other studies] is correct, not smoking and maintaining an ideal weight might lower the risk of MS."

But, of the current study, he added, "As with so many interesting observations, this study raises a lot more questions than it answers."

Munger noted that the study was done solely in women, so the results may not hold true for men. And, additionally, she said, the study participants were almost all white, so it's not clear if this association would hold up for other races. (HealthDay News)



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Five Ways to Face Your Finances


Five Ways to Face Your Finances. "Early Show" Financial Contributor Vera Gibbons Gives Tips for Tricking Yourself into Saving Money

1) Save regularly for recurring expenses.

This is a trick that helped me break my habit of relying on my credit cards or raiding my savings account whenever a big annual or semi-annual expense came up. I set up several high-yield savings accounts with one online bank and arranged for automatic deposits into those accounts on a regular basis. For example, I have a car insurance fund, a holiday gift fund and a vacation fund. (HSBC Direct, Emigrant Direct, or ING Direct are good online bank choices.) Each account is linked to my checking account at my regular brick-and-mortar bank, and I can transfer money in and out easily online for free.


(CBS/AP/PHOTODISC)

If you automatically save a little money on a regular basis, it doesn't take much to build up a good stash for when your big expenses come due. For example, if you arrange for a mere $25 a month to transfer from your checking account into your holiday gift fund each month, that's much easier to manage than coming up with $300 all at once come December.

2) Wield a stick

You may be one of those people who respond more to the fear of punishment than the promise of a prize. Well, you can make a threat work for you too.

Outline a savings regimen -- say, investing $500 a month -- with the condition that you'll incur a penalty each time you don't follow it. Maybe you can't watch your favorite television shows for a month or you have to forgo eating out. Your spouse or a friend can be the enforcer.

Or, you can up the ante even further, and make the penalty cold hard cash. A new Web site called Stickk.com, created by a Yale economics professor and two colleagues, allows you to create "commitment contracts" for resolutions ranging from losing weight to saving more dough. If you don't hold up your end of the deal (as verified by a designated "referee"), you pay an amount that you've agreed to in advance -- $100, $1,000, whatever.

The idea is that you'll be more likely to stay the course if you stand to lose real bucks (or suffer in other ways) for breaking your resolution. This money can go to a friend or a charity or, in a clever twist, you can stipulate that the payment go to a non-profit whose goals aren't simpatico with yours. So, for example, if you're an advocate of gun control, the National Rifle Association Foundation might get a donation each time you lapse.

3) Use cash for all your expenses.

This is a foolproof way to keep spending under control. It also prevents buying on impulse. As many as a third of all purchases are bought on impulse, and according to one estimate, we spend a third more when we pay with plastic than we do with cash. This is because we have emotion attached to cash that we just don't have with plastic.

4) Pay bills automatically.

There are all sorts of excuses for forgetting to pay your bills, but the end result, no matter the excuse is the same: All have negative effect on your credit rating, which could affect your ability to get a loan, get a job, among other problems, such as getting hit with late fees. It's best to have bills - utilities, cell phone - taken directly out of your checking account. You can make that arrangement through your bank or make arrangements through each individual biller. It takes little legwork, but once you set it up, you can forget about it.

5) Give yourself a raise.

Change the number of allowances you claim on your W-4 form. Chances are, you need to: The Internal Revenue Service processed over 120 million returns last year. A whopping 70 percent of them called for refunds. The average refund was about $2400 in 2008. This tells us we're having too much withheld. Claiming extra allowances automatically pushes down the withholding, and pushes up your take-home pay. It's better to get your money when you earn it, rather than give the government an interest-free loan. ( cbsnews.com )


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