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Finding Stop Gap Work, From Business Manager to Retail Support Create Supplemental Income Between Jobs

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Keep the Money Flowing to Cover the Bills The #1 Installment in ‘The Careerist’ (career help series)

In the news it’s been reported we’re in a down economy:that employment prospects for job seekers are few. These statements may be true more or less, depending on your perspective. For some, being jobless is an all-encompassing, life changing crisis. For others, it’s just a matter of accessing a wealth of untapped resources. Those who bounce right back use tactics to include constructing a job search from a new angle, targeting untapped skills, networking-utilizing past job resources or turning a hobby into an income-producing ad hoc job. No matter which route taken the result should be the same-you gain income to replace income lost or, to supplement income you already have. So how to proceed from where you are now to where you want to go? This article gives the first alternative in a series on how to increase your income. Each article will focus on an option that is a proven method to obtaining more money. Use this help to bridge the gap when you need to find work until your showboat comes in. Notwithstanding, you may discover that, in and of itself, some of the future tips could prove to be quite lucrative; supplanting the original reason you sought help in the first place. Read on…

Temporary Employment Agencies Register at temporary employment agencies. Many job seekers working at the same company or two all their adult lives, often overlook this option. Temporary employment agencies carry a stigma as a last resort measure. Know that there are two types of temporary employment agencies: day work agencies (that are frequented by the hardcore unemployed and transients) and temporary employment (assignment) agencies. The public often confuse the two. It is the latter of the two which is addressed in this article specifically, temporary employment (assignment) agencies.

The Pros of Getting Work Through A Temporary Employment Agency Thus far you have shunned temporary employment agencies fearing it would put the stamp of “reject” on you. Rather, if you are not moving right into a new job or are on sabbatical, temporary employment agencies should be the first place you should look! One reason being is temporary employment agencies regularly send workers on assignments the same day they register or the next. That means replacing lost income without missing a beat. A second reason is temporary employment agencies often have work assignments for top-notch companies to include Fortune 500 businesses. That means easier access to companies that may be hard to break into normally. For those who do not know any hiring managers in their industry or have few or no business connections, temporary employment agencies may be an excellent option. A third reason is temporary employment agencies have a quick turnaround in pay. They almost exclusively pay workers weekly. A first paycheck can normally be received within a week after starting work or sometimes within only a few days. A fourth reason is temporary employment agencies offer an option to pay your salary directly through your bank account. This makes payday not only quick but hassle-free. A final reason is although you may be sent on an assignment initially as a temporary worker, if the employer likes your work ethic (punctuality, attendance, work product, work spirit etc.) you may be hired on as a full-time, permanent worker.

The Ace in the Hole The true role that temporary employment agencies’ play in the hiring scenario is an industry secret. It is the means by which some of the biggest companies “screen” their new hires without a long term commitment. It allows the employer to “hire” only the best workers, without hassle.  It services roles that are subversively opposite. Nevertheless the dichotomy, the role of the temporary employment agency as intermediary works well for both the temporary worker and the employer. The temporary worker is given the chance to prove himself or herself in a job he or she might generally be excluded from, and the employer maximizes his access to groomed job recruits while managing his hiring and training resources efficiently.

Register Getting on the list of registrants at a temporary employment agency is relatively easy-because their job, is “jobs.” They often have work to fill by the ton. This does not mean throw protocol to the wind. Go to your interview dressed business casual or business professional depending on the agency and the type of job you are seeking. Brush up on your job search skills and be prepared as normal for any job interview. Here is additional help. View some of the (67) 1:00 minute videos at Job Search Minute hosted by YouTube. These videos are conducted by Brian Krueger and cover everything from your resume, to questions you may be asked and how to prepare for them, to what to do after the interview.

Watch These Extremely, Helpful 1:00 Minute Videos, plus more…
1] The Fatal Interview Sin
2] What You Need To Do Before The Interview
3] The First Interviewing Clue I Look for as an Employer
4] Preparing For The Toughest Interview Questions
5] Mastering Your Telephone Interview
6] Tell Me About Yourself
7] The Most Important Aspect of Successful Interviewing
8] How to Differentiate Yourself From Your Competition
9] How to Dress So The Focus Is On You

Job Search Minute is an excellent, excellent resource. The videos are brief, professional, and get right to the heart of what you really need to know. Every video is packed with valuable questions and information you always wanted to know but no other interviewer would answer. The videos can be your secret weapon in distinguishing yourself from your competition because they address questions answered from an interviewer’s perspective. The videos give you the necessary insight to what the interviewer is looking for. They instruct you on how to prepare for the interview, how to answer questions properly so you ace the interview and the decorum you must use after the interview is over. Job Search Minute is a premium resource used by ‘The Careerist’ to help job seekers land the job of their dreams. Pick the topic you want, and watch. Every video is only 1:06 minute or less!   What To Bring To Your Interview
When you go for your temporary employment agency interview be sure to bring two copies of your professional resume with cover letter. Also bring three references under separate cover; each being on an individual sheet of 8 1/2″ x 11″ paper. Your references should address three questions:

a] How your reference knows you? b] Why you are the best person for the job? c] What your reference thinks about you professionally and/or personally? Also, don’t forget to take 2 pieces of identification. One should be a government issued, photo identification (drivers license, passport or immigration card). The other can be government issued, non-photo identification (social security card, ITIN card, or birth certificate).

Commentary Don’t let the stigma of temporary employment agencies keep you from accessing a resource that may prove valuable to you. Once you have lost your job it is easy to despair. Staying in the game is an important element to avoid the stress and negative consequences of being unemployed. There is no shame in honest work. Bills need to be paid and you need to keep your head above water. Balance your time working through a temporary employment agency while continuing your job search for your ideal career position. It is the case however, for blue collar workers through first level management workers, temporary employment agencies can actually provide a step up in pay and job status. As stated before, coveted positions within high profile companies are reserved for temporary employment agencies as the proving ground for new hires. It is the “in” for the disadvantaged applicant. Rather than turn overlook this opportunity, why not take a closer look? Temporary employment agencies may just be the remedy you need to get you back on solid ground. Here’s To Your Success!

Site Sources:

Brian Krueger of College for Job Search Minute

Wheaton College Massachusetts for I-9 Acceptable Identification

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Borrowing Money Made Easy

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                                                                                                                                                                                                         A Picture of Money Arranged                                        I learned this lesson from my uncle.  He said, “Only borrow money to make money”. Okay you’ve decided you need to borrow money and it is to make money, but you have limited resources from which to draw. You’re in business for yourself and you need to push your business to the next level. For any number of reasons you don’t want to borrow from your home bank now. You refuse to do the unthinkable and tap your IRA or 401K.  Too, asking friends and associates is out of the question. Many of us have come to this financial juncture before. No matter your situation there is a viable solution for you. Fortunately, there’s a new kid in the lending market that is very unique. It is called peer-to-peer lending. Peer-to-peer lending is not simply a new concept in borrowing money: it trounces the old traditional ways of obtaining loans. Peer-to-peer lending has many advantages for both borrower and lender. Its principle being founded upon the community sharing concept.            

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What is Peer-to-Peer Lending? Peer-to-peer lending  is a community of investors and lenders as an aggregate entity. The community serves two main purposes, to make money for investors and to lend money to borrowers. You can enter the community as a lender or a borrower. It is your choice. Some of the advantages of peer-to-peer lending for the borrower compared to conventional bank loan are 1) the borrowing requirements are less stringent 2) interest rates are much lower 3) normally the type of loan determines the interest rate; personal loans being the highest 3a) with peer-to-peer lending personal loan rates are as low as 7.5% instead of  the industry minimum of 16%! 4) risk is spread over a very large community of investors consisting of hundreds of thousands of members, which greatly increases your chances of getting approved 5) you’re not just a number; you get to add a personal element to your cause through your story-every investor wants to understand the applicant and why the loan is needed 6) your loan can be in your bank account quickly, within a matter of days. 

To apply for a loan you post your request to the community stating why you need the loan and how you intend to repay it. Here’s the important part: be honest, clear and concise in stating why you need the loan. Also it is important to add the human element here. The more transparent you are, the more likely you are to get the loan.  The community favors honesty and  loan requests that are for a good purpose. Many borrowers post a picture of themselves-often in their home, work or school environment.  This helps investors to feel they are part of your quest. Once a young law student posted a tuition loan request and told how he needed the loan to finish his last year in graduate school. He spoke briefly of the trials and tribulations he had faced-how he was at the end of the road-he just needed the final push. His was a heart-rending story. He included a picture of himself in cap and gown walking to receive his baccalaureate diploma. His picture was the stake through the heart. Needless to say he got his loan in less than a day. So be honest. You want the investors to believe in you and your purpose, just as much as you do. 

Prepare Before Applying: With peer-to-peer lending the stories are the most interesting part. Many are engaging, and from an investor viewpoint, it is fun looking over the stories and determining which requests to invest in. It is a good idea if you look at other requests to get a feel for what you need to do. As you read the stories you will get an understanding of how investors will view you too! Here are a few more tips on how to get ready. 

Pictures: Choose pictures that: 1) are clear with good detail, not blurry 2) connect with your situation 3) that demonstrate your story and show you in the prospective environment, albeit, your home, college, work or business (for example, a home improvement loan: show yourself working in your home, a business loan: show yourself opening or working your store, a home addition loan: show the family!)

Write Your Draft: Draft your statement before applying. You should have on hand any financial documents you may need to refer to such tax documents, your business plan, the actual bill you would like to fund, your credit report and any financial statements 

About Your Personal Information: Finally, investors pledge either a portion (as low as $25.00) or even all your loan request. Of course the investors wants to know how you are going to repay the loan. So you have to divulge financial information but sensitive data such as your social security number, home address, place of employment, account numbers, telephone number and such is kept secret from the community and is only known by the on-line banking house. 

How Much Can I Borrow? You can request a loan up to $25,000. When you repay, you send in one payment and it is distributed by the on-line banking house to the investors. You are given up to three years for repayment. Some of the resources for peer-to-peer lending are, kiva and lendingclub

A Final Word… It is refreshing to see a new financial vehicle via peer-to-peer lending. Peer-to-peer lending is a God-send for the average Joe. Take for instance, small businesses that need more capital, college students who need educational loans and the general consumer who is in need of a home improvement loan or personal loan, in peer-to-peer lending these applicants have found an unmatched invaluable resource. Because of its inherent nature of a “friend-to-friend” transaction that addresses the very needs of the small man, I envision peer-to-peer lending will grow to cover a major part of the micro loan market in the near future. Only time will tell. In the interim, many applicants who need a deserving break will benefit.