Getting Student Loans After Bankruptcy
Will your bankruptcy filing keep you from your educational goals?
Medical Debt Consolidation Options Vary By Provider
Do you need a plan to help repay debt or are you unable to repay medical bills at all?
Time Since Most Recent Account Opening is Too Short
Expect resistance to credit applications if you just opened another credit account. 
Legal debt settlement aspects and consequences
You might be paying taxes, and you might end up being sued.
Apartments and credit checks
If landlords check your credit first, there may be a fee added to the application.
Debt negotiation scams mislead while diverting payments toward fees
It can happen nationally or locally.
Learning to Save for Financial Goals
You can get there faster by depositing a specific amount of money into an account every month.
What's the best debt relief group?
I would check with the BBB before deeming a "best."
Debt-Relief Grants: Facts in the Fiction
Federally funded grants that can be applied toward alleviating consumer debt is as real as the leprechaun sighted in Mobile, Alabama in 2006.
Low Interest Rates Mean Time to Renegotiate Your Mortgage
Mortgage interest rates are not a fixed number; they are practically always negotiable.
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By Tanner Strutzenberg on October 17, 2011

794190_34344335-(1).jpgLet's face it. Unemployment is a bummer. I'm not even talking about financial hardship. The psychological and social burden of unemployment weighs just as much as the economic. Millions of Americans know this after sending out hundreds of résumés and applications and finding virtually nothing available that suits their skills and experience.

As a recent college graduate in the job market, I'm quickly becoming acquainted with the feeling. It's hard to resist the urge to telekinetically strangle the talking heads in the news media railing on the lazy unemployed trying to steal the hard-earned wealth of decent hard working Americans. The truth is that unemployment can be hard, dreary, tedious, and oftentimes seemingly futile work. Unfortunately, telekinesis remains far beyond my skill set.

The point is that after several months of unsuccessful career searching, it can be easy to start to believe that maybe your skills just aren't good enough or maybe you're just not trying hard enough. Maybe you are one of the legion of lazy unemployed leeches on society. This, of course, can quickly become a self-fulfilling prophecy weighing heavily on the heads of millions of families across the United States.

However, the vast majority of the unemployed in this country are not idle moochers, but rather talented workers with skills of great value that are currently sitting idly in a depressed job market. Our economy loses just as much from the absence of their services and skills as the unemployed suffer from lost income.

It is my belief that most Americans want more than just a paycheck from their work. They want to be engaged, to grow and exercise their skills, and be proud of what they accomplish in their employment. Long-term unemployment not only creates financial hardship, but deprives many of the pride they take in their work. And in my opinion, taking this pride away has more devastating consequences than financial hardship.

So what can be done to remove the malaise of the idly unemployed? My suggestion is to spend less time job hunting and more time volunteering in our local communities.

The premise is simple: provide something of value to your community and the rewards will follow. Instead of stressing about that gap in your recent work history, spend several hours a week volunteering for a charity that can use your specific skill set. Not only are you doing a good deed, you're keeping your skills sharp and showing your future employer that your head is still in the game.

Can't find anything to suit your skills? Use your volunteering as an opportunity to learn something new. Most non-profits can find something to do for any willing volunteer with a pulse. Again, not only are you providing something of value to your community, you're showing prospective employers your ability to quickly learn new skills. Who knows? It could even open up job opportunities in new fields.

Perhaps you don't feel you have time to sacrifice from your job hunt to spend time working for free. Yes, volunteering is all fantastic and high-minded, but the bottom line is that you need a steady paycheck before you can begin to indulge your more benevolent impulses.

But think of all the networking possibilities you forego meeting new people with shared interests and ambitions. Why not simply consider your volunteering time as a networking tool? The fact of the matter is that this presents a great opportunity to help others as well as yourself.

Put on your starry-eyed glasses and think of the potential impact of millions of unemployed Americans voluntarily performing the community services that so many other Americans are in dire need of at this time. Organized groups can raise funds from corporate donors for community projects (and probably make some nice contacts at the same time). It is only a matter of time before the value created by these services turns into real increased economic demand as people get back on their feet. Revitalized communities will soon demand new employees as neighborhoods and communities bounce back. And you can bet new employers won’t forget those who led the charge.

Create something of value, and wait for the rewards to come. It's not a prophecy, it isn't sage wisdom, it isn't magic. It's putting faith in yourself, your skills, and your community. It's rejecting that nasty feeling that maybe you just don't have anything to offer. It's proving to yourself and others that you have something valuable to offer. And once you show how valuable you can be, it’s only a matter of time before someone else notices.
Posted: 10/17/2011 4:45:35 PM by Alan Greenspent | with 0 comments