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Friday, October 24, 2014
At some point in our lives, someone may give us some financial advice that is not so good. It’s what we do with that advice that defines out financial responsibility. The Enterprises TV show shares some good and bad financial tips.
Credit cards can be a good resource when making travel arrangements and making online purchases. It’s a good idea to have a few. The plastic cards are bad only when we go on a wild shopping spree and don’t pay them off. The best advice we’ve heard is charge only one-third of the credit limit and pay it off every month.
Mad money is a little bit of cash we use for fun purchases and the occasional splurge. Everybody needs to have a little monetary cushion to get that one thing they really want. Never be so strict with a budget that there is no room for a little indulgence.
Retirement may be a long way off for some or right around the corner for others. How much we save for it and have taken out of income depends on how old we are. The best advice we heard is 10 percent is fine for the younger generations, but those in their 40s and 50s need to sock away more.
Owning a home is the American dream. The Enterprises TV show knows that for some people owning a home is just not a good idea. If we’re in a job that is not that secure, buying a home is not such a good idea. If our job is steady, then maybe it is.
Not all financial advice is suited for everybody. Ask someone trusted and the information given will be more suitable for individual needs.
at 5:13 AM
Monday, October 20, 2014
There are many people who enjoy working and have a hard time contemplating retirement. They love their jobs and don’t want to give it up. The Enterprises TV show offers some suggestions about how to get used to retirement.
Make a plan before retirement. Write priorities down as to what to do.
If planning to work part-time as a consultant or contractor, take time to determine the hours and days needed to work on the project.
If the plan is to simply quit working, sit down with loved ones and discuss the commons goals both partners have. Make plans and start putting them in place.
Plan to spend some time alone too. A career spent managing others or working in close proximity to others may leave one wanting to spend some time alone with no one asking for anything.
While the few first months of retirement may be pleasantly quiet and free from any stress or decision making, it may take some time to get used to now having an organized day.
Enterprises TV encourages readers soon to retire to spend time determining what one wants from their life after work. If travel is desired, there is no better time than now to make plans. If one wants to just relax, play golf or dive heartily into a hobby, what could be better than doing it in retirement? This is the time of our life that we have worked so very hard to reach. And now that we are there, relish every minute of it.
at 5:58 AM
Friday, October 17, 2014
Medical bills usually come soon after any treatment of office visit has occurred. Some come with billing errors and odd looking charges. In order to be sure they are accurate, The Enterprises TV show shares tips on how to be your own healthcare advocate.
Keep records of everything. This means keeping insurance paperwork, lab report bills, phone call logs and conversations with billing reps organized. Meticulous record keeping can help the patient keep track of what should be charged rather than what is charged.
If there is an odd looking charge or an erroneous charge, call the office of where the charge occurred. Ask for the billing person and question the fee. Write down the rep’s name, date and time of call, and what was discussed with any action taken.
Be knowledgeable. There are two very good resources which list the average costs for most medical procedures: Healthcare Bluebook and FAIR Health, Inc. Research the fees. Be armed with knowledge.
Don’t wait and think about calling for clarification. The longer one waits, the better chance the healthcare provider will report a late payment to the credit agencies or send the bill to collection. Pick up the phone and call.
Ask about payment options. Make payment arrangements if the bill is too high to pay all at once. Be firm in how much can be paid at one time. Don’t go broke trying to pay a medical bill because the billing department insists on it. The Enterprises TV show urges readers to call a healthcare advocate if needed. No one has the right to force the patient to pay a hefty bill.
at 4:54 AM
Tuesday, October 14, 2014
|Wipe arm rests and seat tables with sanitary wipes|
There are quite a few misconceptions about the germs and air quality on airplanes which Enterprises TV wishes to alleviate.
The air on the flight is re-circulated through HEPA filters and is continually being cleaned. So there is nothing bad about it. If one is really worried about germs, think about getting some sanitary wipes before traveling and using them on the real germ collection places: tray tables, arm rests, toilet handles, seat pockets and bathroom door handles. Many discount and drug stores sell travel sized packages of these wipes, which also fit in plastic baggies.
Pass on taking a free blanket and pillow. Instead, buy your own from a discount or drugs store. There are never enough pillows and blankets to go around in the first place, and many times these items are tossed in the overhead bins or on the dirty seats themselves. Take your own.
Think airplanes are cleaned after every flight? Garbage and old periodicals are collected and thrown out. But, the FAA only requires airlines to thoroughly wipe down an airplane once for every 30 days of service or at the 100 flying-hour intervals. That means that plane just boarded probably has not been cleaned well at all.
The Enterprises TV show urges readers to always be ready to decontaminate the common areas that we use on flights. It is a preventative measure against all germs and bacteria. And be sure to keep hands away from the eyes unless they are clean since the tear ducts are passageways to the body for contaminants. Be prepared to have a safe, relatively germ-free flight.
at 6:40 AM
Wednesday, October 8, 2014
|Guard your SSN at all times|
At some point soon, you will visit a doctor’s office and be asked for your Social Security Number. It is your choice if you want to give it. Enterprises TV reviews some establishments and situations where it giving a Social Security Number is optional – not mandatory.
It seems like there is new report about hacking and identity theft every week in the news. This naturally makes the public uneasy about using credit and debit cards or in giving their Social Security Number to any type of business or physician office. A person’s identity is their biggest asset. What happens if that identity is stolen by giving out the one unique identifier – the SSN? Instead of just jotting the full number down or repeating it for a clerk in the office, ask questions.
- Who needs to know my SSN?
- Why do you need my SSN?
- Who will have access to my SSN?
- What steps of protection does my SSN have in your database and in your paper filing system?
- Who does this office share my personal information with?
The Enterprises TV show suggests a simple reply for those who ask for a SSN: Just say no. Or at the very least, offer the last four digits of the SSN. I did this once on a job application and was promptly told they needed the entire number. I declined to give it. If the establishment insists on having your SSN, offer a drivers license number instead.
Below are some other places where no one in the office needs your SSN for any reason:
Any request for the SSN in email or on a phone call.
- Public schools or events related to them.
- Store loyalty programs
- Doctors’ offices
Never give your Social Security Number out without asking why it is needed. This number should be guarded by its owner at all times.
at 5:49 AM
Monday, October 6, 2014
Every week, the
U.S. government releases
unemployment data and comments in the labor pool in the country. Last week, the
data shows there is decided lack of people re-entering the work force.
Enterprises TV takes a look at the reasons why some out of work citizens drop
out of the labor pool.
To understand why some workers decide to pursue other avenues, one simply should understand which jobs are available. The average middle-aged senior manager is less likely to be hired due to age and the assumption that the experienced applicant will expect a salary commensurate with his or her experience. The available jobs require less knowledge, skills and experiences than the average laid off worker has accumulated throughout a career. Those who were making a respectable salary before, find that the jobs available are far below their career level and the wages offered far less than what one needs to support themselves.
Enterprises sees the employment participation rate dropped down to 62.7 percent, which is the lowest it has been since the late 1970s. While it is good that the job market is heating up, one must look at the types of jobs which are available. It makes no sense for anyone with a higher education formerly in a middle management position to consider anything less than what they had before. American workers choose to not re-enter the job market because the types and levels of jobs available do not come close to what they were making before. And no one wants to take a job that is below their skills and experience. It is just as easy to drop out of the work force and find a new way to bring income into the home.
at 6:15 AM
Friday, October 3, 2014
It is nice to take some time from the workforce to travel, raise a family or just get a break from it all. But now that it’s over, how does one get back in the career mix? Enterprises TV offers some suggestions about how to find work after taking a leave.
The first step is to clearly define what kind of job one wants. Will it be a part-time job, a full-time job or a telecommuting job? Once this is determined, determine which field to be in. Then, dust off the resume and start fine tuning it for the field. Be sure to explain any gaps in the work history with a brief but clear explanation.
Start networking with old career contacts, former co-workers and others on sites like LinkedIn. Read job ads carefully to find out if the skill set changed. If needed, bone up on newer skills online. There are a plethora of free learning sites on the Internet. One of the good things about taking a leave from the workforce is being able to change a career direction. If this is the case, get busy learning the skills needed and be sure to include any education, free or not, that is taken in the interim. Include it on the resume. The Enterprises TV show knows that if hiring managers see this on a resume, it shows the applicant is serious about getting work in that field.
Don’t take it to heart if rejections come. Just keep working toward the end goal of getting that first job after the leave is over. Be open to feedback, even if it’s not positive and be willing to change a few things. It all works out in the end.
at 5:06 AM