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Let’s face it, getting caught with ya pants down is basically like stepping in the dog’s business; it stinks, it’s gonna be messy, and there’s really no clean way out of it. But onto every sidewalk, some sh*t happens. To all those caught in the crap, you probably won’t be able to save the shoe, but here are a few napkins till you can get to another ho(se). 1. Begging (The Jimmy Swaggart defense)Find something in your life that she didn’t know about and leeeeean on it; My dog died, my mom called me ugly, a mosquito bit me, whatever. If there’s a chance that you can tug at her heartstrings DO IT. Sure it’s a little grimey, but this is survival. Alls fair in love and war dammit. 2. Play Offense (The Female Defense)When you corner a female, she puts the argument in the spin cycle by hitting you with reasons why your beef is your fault. What’s good for the goose is good for the gangster. Nothing distracts from a set of raggedy draws like pointing out a few holes in a different pair. 3. Minimalism (The Eddie Murphy/Raw Defense)The objective here is to make this seem like…
Sometimes in life we have to have tough conversations, and hands down one of the most awkward discussions can be those concerning money. Especially, if you've lent a friend or family member you're hard-earned cash and they've yet to pay you back. There never seems to be the perfect words to start that "Well, I kind of need my money back" conversation.One of the wisest pieces of advice I've ever received was to not lend money at all. According to my grandmother, it's okay to be a monetary blessing to someone but you should never expect it back. She always said money has a funny way of messing up your personal relationships so only give gifts, not loans. However, I admit, I haven't always listened to her wise words. I'm guilty of helping a family member or two, even at times before my own personal needs were met. Luckily, I'm older and wiser now. I've learned a few rules of the "money" game and they haven't failed me yet. Here are 5 rules I've learned about borrowing and lending money, and most importantly how to ask for it back. 1. Don't let anyone guilt trip you.Mixing finances and loved ones…
Socially awkward? While no one wants to admit it, some of us have trouble when it comes to making meaningful connections with others. That can prove increasingly stressful when you're working in an industry that requires you must market yourself well. It seems you cannot find a career that doesn't require some level of effective networking.  It's not always easy to get to know others, put yourself out there and follow up on the right opportunities. Social media has become a great tool, however one that can create added challenges if not properly used. Well, if you're stumped and need a little bit of advice, check out the following for tips on how to interact online and in the real-world to expand your network: http://www.blackenterprise.com/career/6-social-networking-tips-for-the-socially-awkward/
Friday, 29 March 2013 14:58

The college grad gender gap

Why do more women than men earn college degrees? The reasons are complex, but new research suggests that money plays a big role. FORTUNE -- The facts are plain, if puzzling: Not only do women enter college at higher rates than men, but they're less likely to drop out once they get there. Female grads now account for about 60% of U.S. bachelor's degree holders. Does that mean men are less studious or committed than women are? Not necessarily. Instead, it seems the gender gap's roots are partly financial: Men are less willing to take on the heavy debt loads that are increasingly required to complete a college degree. When they reach the point of owing $12,500 in school loans, men "are more likely to be discouraged" than women -- and to decide it makes sense to leave school and start working full-time. That's according to a new study, "Gender, Debt, and Dropping Out of College," published in a recent issue of the journal Gender & Society. The researchers, three professors from Ohio State University and Pacific Lutheran University, analyzed data from a national longitudinal study of youth from 1997 to 2011, funded by the Bureau of Labor Statistics, that…
Thursday, 28 March 2013 00:20

The IRS may just owe you money

Last week the IRS issued a press release announcing that refunds totaling just over $917 million may be waiting for an estimated 984,400 taxpayers who didn't file a federal income tax return in 2009. Take a moment and think back to 2009. For many Americans, the year represented mounds of uncertainty and record breaking highs in unemployment. If you were like some people, you may not have filed a tax return because you had too little income to require a need to file even though you had taxes withheld from your wages. Or, maybe you were able to make a few quarterly estimated payments, but for whatever reason still did not file. Well, if that was you, the IRS just might owe you some money and its estimated that half of the potential refunds are at least $500. In cases where a return was not filed, by law you have a three-year window to claim your refund. And the great part is that there is no penalty for filing a late return qualifying for a refund. If no return is filed to claim a refund within those three years, the money simply becomes property of the U.S. Treasury. If you…
Will your credit report keep you from getting the job you want? A recent study says that just might be the case. Public policy organization Demos surveyed over 1,000 low- and middle- income households with debt to find that individuals are losing out on job opportunities because of their credit scores. The study found that nearly 25 percent of the country's unemployed have been required to undergo a credit check by prospective employers. Of that number, one in ten applicants who get screened are denied based on the results. The latest trend among employers is one that is keeping the jobless unemployed. It's a catch-22 whereby finding a job is needed to pay off debts yet such financial troubles can keep you out of work. Read more at http://www.michronicleonline.com/index.php/business-original/10191-employer-credit-checks-keep-jobless-unemployed
Tuesday, 19 March 2013 14:47

Bad news for the news business

FORTUNE -- The Pew Project for Excellence in Journalism's report, "The State of the News Media 2013" contains plenty of grim news about an industry that appears in some respects to be falling apart at the seams (along with a few rays of hope). But it also offers a few notable tidbits about the state of the online-advertising business: Digital advertising continues to eat into the total share of advertising in the U.S. In 2012, digital ads represented 23% of all ad dollars spent, up from 20% in 2011. Digital ads generated $37.3 billion, a rise of 17% from 2011. Mobile advertising, though it continues to be a challenge due to low prices, grew by 80% in 2012, to $2.6 billion. The market for mobile display ads is growing fast and is expected to surpass search ads in terms of revenue by 2016. Six companies dominate the mobile-display market: Pandora (P), Google (GOOG), Millenial Media, Apple (AAPL), Facebook (FB), and Twitter. Facebook ran its first mobile-only display ad only in August of 2012, but those ads generated nearly a quarter of its revenues in the fourth quarter of 2012. Read more at http://tech.fortune.cnn.com/2013/03/19/dismal-report-on-news-industry-offers-insights-on-digital-ads/?iid=HP_River
Friday, 15 March 2013 14:26

Tips on being a better neighbor at work

As a professional woman in today's workplace, at some point and time in your career you have had to work from a cubicle. Yes, an ideal work space is a corner office with an iron clad door with bolts and locks and an alarm system, however, most working environments opt for cubicles for many reasons.It allows a company a more cost effective means of housing employees and it also allows supervisors a better view into the work effectiveness. It is of the utmost importance to maintain a level of respect to your company's culture and policies as well as not becoming THAT employee every other co-worker wants to forget. Here are three tips to ensure proper cubicle courtesy on the job: 1) Keep It Down Please: Everyone can hear you. I promise you, everyone from the water cooler to the copy room can hear your personal conversations about what you did last Friday after work. They can also hear about the last horrible date you went on with the guy straight from his bid at Riker's and how your child has not stopped wetting the bed. And guess what? They do not want to be privy to such personal and…
Wednesday, 13 March 2013 14:33

How Americans spend most of their money

NEW YORK (CNNMoney) Americans spent more at the gas pump and less at department stores in February. Retail sales rose 1.1% in February, according to a report from the Census Bureau. That's stronger than the 0.5% increase economists' were expecting. Stock futures turned higher following the report. The better-than-expected numbers were due mostly to a spike in gas prices last month. Sales at gasoline stations alone rose 5% during February. The average price for a gallon of unleaded gas rose as high as $3.79 on February 27, according to AAA, but has since fallen about eight cents. But with gas prices rising. consumers were also a bit more hesitant to hit the malls or take the family out for dinner. Department store sales fell 1% in February, and sales at restaurants and bars fell 0.7%. That said, consumers are not cutting back when it comes to their homes and cars. Auto sales continued to pick up at a strong pace in February, and Americans also spent more on goods at building and garden stores like Home Depot (HD, Fortune 500) and Lowe's (LOW, Fortune 500). Economists welcomed the report, saying that consumers aren't being hit quite as hard as they…
Tuesday, 12 March 2013 17:34

5 money saving skin care tips

Skin care is a multi-billion dollar industry. Consumers are inundated with flashy ads promoting pricey miracle products. But don't worry – you don't have to spend hundreds of dollars in your quest for beautiful skin. Here are 5 money saving skincare tips. 1. The most expensive products are not necessarily the best. Having beautiful skin does not require spending a fortune on a "miracle product" that contains rare pearls from the South Pacific. While such products sound luxurious, they do little for your skin. Many of the products that I find most effective are found in your local drug store. Great moisturizes like CeraVe Cream are great for all skin types, especially dry, eczema prone skin. For rough skin, with conditions like Keratosis Pilaris (bumpy upper arms also called "chicken skin"), I recommend CeraVe SA which contains salicylic acid to help smooth rough spots. Both can be found for less than $15. 2. Try multi-tasking and 2 in 1 products. I love products like Vaseline or Aquaphor, which can serve as a makeup remover, a lip balm and a moisturizer. Skip pricey additions to your pedicure, such as paraffin wax, and instead apply Vaseline to your hands and feet and…
Monday, 11 March 2013 14:06

10 companies with the best reputations

In its 14th annual Reputation Quotient survey, Harris Interactive rated 60 large American companies based on six key characteristics including product quality, trust, social responsibility and how employees are treated. The companies with the worst reputation quotients include many financial services institutions. But those with the best reputations include big retailers and tech companies. From 24/7 Wall St., based on the Harris survey, these are the 10 companies with the best reputations: Read more at http://www.huffingtonpost.com/2013/03/10/best-reputation-companies_n_2831138.html?utm_hp_ref=detroit&ir=Detroit
Friday, 08 March 2013 16:28

The pros and cons of job hopping

Changing jobs every couple of years used to be a red flag to prospective employers. It's less so now, as long as your resume tells a clear story. Read more at http://management.fortune.cnn.com/2013/03/07/job-hopping/?iid=A_PF_News
Thursday, 07 March 2013 15:34

15 stressful jobs with poor pay rates

Stress comes with any occupation. But, most people want to know that at least they're work pays off. Certain jobs come with heavy responsibilities, and the money made doesn't reflect the pressure. Here's a list of 15 of the most-stressful yet low paying jobs:  http://money.cnn.com/gallery/pf/jobs/2013/03/07/jobs-stress-pay/index.html?iid=HP_LN
It certainly pays to be educated, but you don't necessarily have to have a college degree to be paid well. Data released last summer by the Bureau Of Labor Statistics shows that a high school degree can earn you a decent salary in several respectable fields. The catch? Most of these higher-earning jobs demand work experience or extensive on-the-job training. Read more at http://www.huffingtonpost.com/2013/03/04/high-paying-jobs-high-school-degree_n_2792150.html?ir=Business
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