Senior Employment Can Be A Golden Prize!

Do you want senior employment? Are you 50 years of age or older and hoping and praying to land a job?Whatever your motivation to find work is, welcome to a labor market seemingly tilted against senior employment seekers. But take heart! Golden opportunities now abound for senior job seekers and the ball is in their court. There’s great news for you and dire warnings for all the critics.Newspapers trumpet headlines about seniors unable to get even minimum pay jobs. Employment fairs advertise work for anyone breathing, but they’re generally low paying $10-$12 openings. The young people staffing the application desks at these fairs seem to be mentally jotting down your age when you ask for a sign up sheet.Why is this good news? Because contrary to appearances, The United States is on the brink of an incredible labor shortage. Well respected economists predict a huge labor shortage that is making itself felt even at this moment in time. How big a labor shortfall is looming on the horizon? Some estimates run as high as 10 million unfilled positions by the year 2010.Millions of senior employees are rapidly nearing retirement. At the same time fewer and fewer younger people are coming of age to fill the vacuum. Many astute business executives of today are growing keenly aware of the worker shortfall on the horizon.Even Congress is now taking notice of the coming labor shortage. Legislation is being discussed now to provide tax credits to companies opening up flexible senior employment work schedules.All for senior employees 62 years of age or older. The icing on the cake is that health and pension benefits will be included. Be optimistic if you’re an individual seeking senior employment! With a little homework, preparation and a small dash of creativity, you can get excellent work for yourself right now.Don’t be surprised at all the opportunities out there. You’ll discover that there are a lot of options for you to choose from, more than you ever dreamed of. You won’t have to settle for just any old job that’s offered. Take out a piece of paper right now and begin jotting down a list of jobs you’d like to have. And please underline the word like. Along with it, write out your work experience and what you want to do. If you’re a senior employment seeker, then you’ve earned a lot of experience in many different areas over the years.Don’t forget to put in your hobbies too! You’d be surprised at what things like fishing and bowling can add to your job description. And this is a campaign just as important as any battle waged by the general of an army.Do you like reading about sports and politics? Add those to the mix too! Now, when you’ve finished the list decide what type of jobs you’d like to have. No matter how far afield from what you’ve worked at in the past. Meditate about it until you come up with several possibilities. And remember, the sky’s the limit.When you’ve decided on a few jobs you’d be happy doing, research the businesses that offer senior employment. Then call them and get the names of the managers that do the hiring.Finally, make out a brief resume of your work history. Now is where creativity comes into the picture. Compose a short, single page cover letter. Make it brief, and don’t just rehash the things you listed in your resume.On the cover letter, itemize what you’ve done to warrant hiring you for the position you want.Be truthful, but tell them what you can do to fulfill the job’s bottom line. You’ll be surprised, because the cover letter is often the deciding factor in hiring.When you’ve finished, make a personal visit to the business and ask to see the hiring manager. It’s a good idea to call first and make an appointment if possible. But don’t hesitate to make an unannounced visit if needed though. Whatever the outcome of the meeting, leave a copy of your resume and cover letter.Within the next three days, if you haven’t heard back from the hiring manager, call on the phone and ask for him/her. The follow up phone call will demonstrate your desire for the job. Most personnel specialists agree that this course of action is one of the most effective methods to acquire senior employment. Even if the company isn’t advertising an opening, it can often lead to a job in an anticipated opening in the future.So, don’t figure the only job you can get is flipping burgers or packing groceries. You have talents and experience that companies are hungry for now, and you’re valuable. As a person seeking senior employment, you also come equipped with an old fashioned work ethic not in over abundance in today’s workplace.Pick out the type of work you want to do…and go for it!Be assured, the national and local labor markets now realize that being a senior employment applicant carries with it added experience, talent and knowledge.

Peer-to-Peer Lending

BonusBonanza.info
CoinOasis.info
MagicTreasure.info
ScatterSlots.info
FruityFrenzy.info
Classic777.info
MegaSpinCasino.info
LuckyLarrySlots.info
ZeusSlots.info
DragonSpins.info
MythicalFortune.info
UnderseaAdventure.info
SpaceVoyager.info
CandyLandCasino.info
GemtopiaSlots.info
AnimalKingdomSlots.info
SportsFanSlots.info
MusicManiaSlots.info
MovieMagicSlots.info
HolidayFunSlots.info
PlayForFunSlots.info
SmartSpinsCasino.info
GambleAwareSlots.info
ResponsiblyWinning.info
SetYourLimitsCasino.info
TakeABreakSlots.info
PlayWithinYourMeans.info
KnowYourOddsCasino.info
SeekHelpIfNeeded.info
FunNotAddiction.info
BalancedGaming.info
MindfulSpins.info
SelfControlCasino.info
HealthyHabitsSlots.info
CasualGamerSlots.info
PennySlotsPalace.info
VIPSlotsLounge.info
SocialSlotsClub.info
WomensSlotsNetwork.info
SeniorsSlotsHub.info
SlotsForFunLovers.info
NoRiskNoStressSlots.info
RelaxAndSpinCasino.info
ThrillSeekerSlots.info
AdventureAwaitsCasino.info
MysteryUnveiledSlots.info
FantasyRealmCasino.info
SciFiSlotsGalaxy.info
HistoricalSlotsEra.info
SportsFanCasino.info
MusicLoverSlots.info
MovieBuffSlots.info
FoodieSlotsDelight.info
ReelRush.info
SlotSupernova.info
JackpotGalaxy.info
BonusBonanza.info
CoinCarnival.info
VegasVoyage.info
MagicSpindom.info
WildWonderland.info
ScatterSkies.info
FruityFiesta.info
ClassicKingdom.info
MegaSpinMania.info
LuckyLarrysLounge.info
StarburstSpins.info
ZeussThunder.info
MythicalFortune.info
PharaohsPalace.info
UnderseaReels.info
SpaceSpins.info
CandyLandCoins.info
GemtopiaGroove.info
SportsFanFrenzy.info
HolidayFunSpins.info
JackpotJungle.info

What You Need to Know About a Small Business Loan Application

Believe it or not, every small business loan application doesn’t have to take up a few weeks of your life. Not every lender will require perfect credit, a complicated business plan, and pages and pages of documents just to tell you whether or not your business is going pay rent this month. Occasionally small business owners find themselves in a financial tight spot. That’s a simple fact of doing business. What’s not a fact is that the major banks, SBA and fast cash merchant cash advance companies are your only options for a small business loan application. Read on to learn what other small business loan applications options you have.The Good and Bad of a Small business Loan Application from a BankIf you have ever tried to fill out a small business loan application from a traditional bank, you may already understand the headline. If you haven’t, allow me to fill you in. Banks place heavy emphasis on the entrepreneurs personal as well as business credit, in addition to many other factors. For some business owners, a few missed payments on a credit card can be the difference between receiving funding and being left out in the cold.Most banks will also want years’ worth of tax returns and other documents for their loan application. They will spend weeks analyzing the data, slogging through every decision you have ever made. You will also need to explain exactly how every penny of the loan will be spent in advance, and detail it in a business plan.Banks will also require a list of collateral and capital that you are willing to risk on the loan. Should your business run into hard times, you may find the delivery van that you need to run your business has been taken away by the bank.Finally, after the banking crisis of the last few years, many banks are still feeling the after effects of their poor lending policies that led to the near collapse of the economy in the first place. This can make it difficult to simply find a bank that is accepting small business loan applications at all.I don’t want you to think that bank loans are all bad. Quite the contrary, banks provide some of the cheapest and safest working capital a business owner could ask for, which often more than makes up for the inflexibility of the loan application process.What about an MCA or alternative loan for small business?An MCA (Merchant Cash Advance) is a very different form of lending. To qualify, most lenders require you to have been in business for more than a year, as well as a minimum monthly number of credit card transactions. While the terms and process are much more flexible than a small business loan application, the price tag for the capital can vary widely from lender to lender.MCA’s are not technically a loan; rather, the lender purchases an amount of future credit card sales your business is expected to make at a discount. Because of this, the loan is repaid in micropayments as credit card sales are made. The advantage to this is there are no large monthly minimums to meet. The disadvantage is a slightly higher overall cost unless the lender has access to inexpensive capital and can provide a discount on merchant account services that will further offset the cost.Unsecured loans, while sometimes more expensive, often have a much simpler small business loan application process. The trade off is the possibility of slightly higher interest rates to cover the risk of the loan. Because of that, it’s best to find a company that offers a lowest rates guarantee during the small business loan application process. Shopping around can help you save a substantial amount.So what are your options?Choosing the right option really depends on your situation. If you can afford the extra time and resources necessary to get a traditional small business loan, then perhaps it really is the best option for you. If you have less than perfect credit or believe you may have a few slow months coming soon, a loan based on cash-flow or an advance on your credit card sales may be the best option. In the end the key is finding a reliable bank or lending company that you can trust to help you find the right solution