Early Retirement Planning – Tips You Can Use

Have you already got your eye on retirement because I know I do! Whether you are in your early 30’s or just a few years away from retirement there are tips that can make your early retirement planning go a much smoother. A great thing to do in order to keep on track with your retirement plan is to sit down and write everything out. You have to figure out when you can stop working based on how much money you are going to need monthly in order to survive or live the life that you want to.

The sooner you start saving for retirement, the better because it gives you a little more cushion than you normally would have. Another way to save up some money is to consider taking on a side income like working online. Online marketing is how I solely support myself and have found that it can help people make a few extra hundred bucks a month to a few thousand, depending on how much you need to earn.

Realistically even students should be trying to save and put back as much money as possible but that kind of early retirement planning just isn’t possible for all students. (more…)

Company Layoffs – HSBC Announces Thousands

I definitely was not surprised at the announcement of a record number of company layoffs but when the HSBC claimed that about 30,000 layoffs were set to occur by 2013, I was a little taken back by the amount of layoffs. The HSBC is pretty much the World’s bank when it comes to financing, mortgages and just about any other type of financial transaction worldwide. Even though the bank has seen an increase in the percentage of their sales they have still already let go about 5,000 employees!

Throughout the world HSBC has almost 300,000 employees so that is why some are seeing this company layoff a small amount in contrast to the total amount of people working for HSBC. However, any kind of company layoffs are never easy and can put thousands of people out of work and more.

When it comes down to which departments are getting cut, I can’t quite give you that information yet. Why not? Well simply because the representatives of HSBC are not willing to disclose that information and are simply telling us that the cuts will be made inevitably somewhere throughout the company.

 

Why Company Layoffs Hit So Hard

We all have families, bills, expenses and lives to live and that all requires money. I feel for the next 25,000 employees who are said to lose their positions with HSBC in the next couple of years. This is actually a prime example of why I chose to make money online rather than with an unstable financial institution. HSBC really got hit hard back in 2003 with the housing market started to take a turn for the worse and while they are seeing some slight improvements today, they are nowhere near where they used to sit in the financial tower. (more…)

China Building Collapse – Check Yourself

Look, stuff happens and when it comes to dealing with people's lives it's vitally important to “measure twice and cut once”. The China building collapse of the Lotus River Garden building is a sad testament that this doesn't always apply.

Tight Schedules
Poor Engineering
Cutting Corners
Ignoring Safety

I believe there have been some workers that didn't make it out alive. This could have been worse and glad there weren't people living inside (if they were that would have been premature since the surrounding areas were still being developed).

I'm just shocked like something like this could happen when you have so many “eyeballs” on the project.

What makes this even scarier is that these so called engineers are spring up building all over the world with building codes just like the one in the picture above (building laying on their side).

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US Debt Crisis Is Here

For weeks I had to sit and watch reports on Washington officials in the United States try to come up with a plan to get them out of trouble. I have read online that quite a few people believe the problem started back in 90’s when government officials began to repay debt at a really fast rate which made others nervous. Having too small of a government debt is almost just as risky as having too much debt. However, even though the US debt crisis could be seen from a mile away the US government still took their sweet time trying to come up with a solution.

The real issue is that the Democrats and Republicans just did not want to play fair so to speak. If both parties would have been willing to split the differences in the taxes and cuts the issue could have been handles quickly and without starting huge US debt crisis that could crutch the US for a long time. To avoid any long term issues, the seats were supposed to come up with a way to seal the debt limit by August 2nd and it wasn’t until the wee hours of the morning that day when something was actually decided. Even with this agreement reached, for now, American’s and officials are worried that it will only cause larger debt further down the road and higher taxes on those who cannot afford them.

 

With A Deal Made, Is The US Debt Crisis Over?

Unfortunately countries all over the world are watching as the United States teeter totters on its Triple A credit rating. Some officials have even suggested that this damage is so severe it could turn the US down the same path as Argentina who went from the world’s richest country to just middle class. What I see the US facing now is almost a struggle between the older “baby boomers” and the younger generation in terms of benefits and long term payments (i.e. Social Security).  Needless to say that even with the attempts to bring the economical future of the US back up it seems that the US debt crisis is not over and has done far more damage that I expected it to. (more…)

Business Ideas for Women That Work

If you are looking for a little side income or a new way to make a living, starting up your own business could be a great venture. However, unless you already have a hobby or venture in mind, you may need some help coming up with business ideas for women to pursue.

One very popular way to start up your company is considering opening up an in home day care and preschool facility. You simply just need to be approved by your state (which I found isn’t too hard) and then get some parents to be your first clients. If kids are not really your thing I have quite a few women friends who make different arts, crafts and jewelry to be sold. Anything that can be handmade usually attracts people and can be a great way to at least have a small side income.

For the collectors and garage sale stoppers you may find that getting involved in antiques may be one of the best business ideas for women you should try out. Some women already have quite a collection of different antiques and collectibles so starting up isn’t as expensive or hard as other ventures may be for them. In all honesty, I have found you can pretty much make a career out of anything as long as there is a market for it and people will buy it. I have seen some pretty strange, weird, cool, unique and even creepy things make some of my friends quite a bit of money simply because there was a demand for it. (more…)

How to Apply for Scholarships for Minorities

Thanks to scholarships for minorities being available more and more kids and continuing their education in order to get ahead in life. Minorities such as Hispanics, African Americans and Native American (but not so much Asian, why is that?) often have more scholarship opportunities because of the external companies that sympathize with the struggle of being a minority. Since I am a minority myself I understand how important it is to find a way to further your education.

I have found out that there are even quite a few Universities and Community Colleges that offer scholarships for minorities in order to get more students to enroll. It is almost impossible to not encounter another race in your area and when you are allowed to get the same education as others then you are just as qualified for the better paying jobs.

What Kind of Scholarships for Minorities Can I Get?

There are so many different kinds and amounts of scholarships out there for minorities so I always say that it is best to shop around first. Pick out which scholarships meet the criteria you are looking for as well as you meeting the criteria the scholarship is looking for. The available scholarships to you will really depend on where you want to further your education and in what career field as too. There are millions of dollars handed out each year to minorities by these scholarships in order for them to further their education to get a career. With all of that money being handed out don’t you think you should take advantage? I know I would! (more…)