Firm Hope In a better tomorrow!

A woman named Dianne Villano started a Web site, www.supportourmarinesinc.org, which sends care packages to Marines on the front lines. She gathers things like letters from local elementary schools, Q-tips, energy bars, coffee and nonperishable food items. The letters she gets in return show what a tremendous difference packages from home can mean when some soldiers are not getting anything at all.

She was spending $1,200 per month of her own money on this. She uses her own apartment with the balcony as a storage station for the supplies. She then goes to the local USPS and flat rates the packages. After two years of doing this her accountant told her that she needs to start a charity to make these donations from local businesses tax deductible.

She is still waiting to hear from the IRS about official 501c3 status. Her goal this year is to raise around $25,000 and she has been accumulating more and more Marine units who need her help. One unit gave Dianne their American flag they used throughout their Iraq tour. Other wives have called and written her telling her how much the packages have increased morale and gotten their loved ones through difficult times.

Anonymous giving and acts of kindness can lead the giver to a very lonely place in the universe. Like the Lone Ranger or some other disguised hero, we do kind things all the time and so often the people on the receiving end don’t see it or don’t recognize it.

Living a life of altruism, in its most ideal form, means setting the ego aside and not doing what we do for credit. Usually, I have no problem with this at all. But there are those days, perhaps when I’m feeling a little weak or drained, where I find myself feeling lonely with it all, feeling like I’m giving, giving, giving, to a world that is in super receiving mode and asleep to what’s being done for them. I get a little discouraged.

Even idealized heroes had their inner circle of friends who knew who they really were and what their life was all about. The Lone Ranger had Tonto. Batman had Robin and his butler, Alfred. You get the picture. Being truly altruistic means we do what we do without expectation for credit or recognition. Otherwise, it’s not truly altruistic. But at some point, we have to be good receivers to continue to be effective givers.

I remember shortly after my first child was born that my wife and I reached a point where we were really struggling to make ends meet. We both had jobs but the pay was very meager.  We were both doing work that we loved doing and we were really caught up in the magic of being new parents.  But a financial reality burst our bubble one day.We had nothing left in savings, and bills that were due, some overdue, could not be met.

We talked with other people about our dire circumstances. We got a lot of sympathy but we were still feeling a lot of stress and not coming up with any solutions. And then it happened. I opened the front door one morning and found a plain white envelope tucked inside the screen door. Inside the envelope was $100 dollars. I felt this tremendous sense of energy swell up within me, surrounding me like a great, warm comforter. Some kind soul anonymously gave what felt like an awful lot of money to me then. They obviously didn’t want credit for their generosity and to this day I’ve never known for certain who it was.

In those days, that $100 would have just about paid for a month’s rent. And even though it wasn’t enough to make good on all of our bills, receiving the money gave us such a sense of relief and humbleness to be blessed by some great kindness of a friend who wanted no credit from us whatsoever. We made it through that dark time, not so much from the money we’d been given, but by realizing how powerful an act of anonymous generosity can be.

I’ve paid that act of kindness forward over and over many times. And even being the veteran giver that I consider myself to be, my mind still swings like a pendulum between the extremes of totally selfless giving and the need to receive something in return occasionally. Despite the back and forth energy of the momentum that is created, my sense is that I am ever moving forward through a world that often feels thankless and uncaring. I am constantly aware that there have probably been countless occasions when I have been the receiver of many acts of kindness from others who may have been aware of what they were doing even though I was asleep to their gift.

I am committed to being more awake to what’s going on around me and to showing my gratitude whenever possible for any act of kindness  given, even if it’s as small a thing as someone holding open a door for me.  Living a life of kindness is like breathing: for every breath out, there has to be a breath back in.  That isn’t about ego.  It’s about staying alive and being fully human.  To quote the animated film Ratatouille “Let’s do this thing!”

CNN has a great tool on their website to see how healthy your finances are. Check your financial health!

ALPINE, UTAH — Even though a cup of joe isn’t exactly Jeff Smith’s cup of tea, he gets a buzz out of kicking back at his local coffee shop and spying on yawning — and often downright grumpy — morning customers as they realize their foam-whipped morning fix has been paid for.

“They just transform,” Smith said. “They get this confused look, then grin from ear to ear and look around for someone to thank. They can’t figure it out.”

A cashier then slips the baffled customer a small laminated card with an unusual message: “You’ve been ‘tagged’ with an Act of Kindness.”

The middle-age Alpine resident is so addicted to the charitable high he feels from “small acts here and there” that he’s spent a small fortune launching an Internet-based company intended to help others experience the same feeling.

The lofty notion of kindness being passed from person to person like a sort of benevolent influenza was featured in the 2000 award-winning film “Pay It Forward.”

But Smith’s Web site, goodwillpaidforward.com, punches the concept up a notch — or a full rung — by allowing do-gooders, even those wishing to remain anonymous, to track the contagiousness of their kindness on Google map.

“Now you can literally see how your act of service has spread all over the world,” he said excitedly. “It’s incredible.”

A sheet of 10 tags can be bought online for $16. After the tags arrive by mail, the buyer logs on the Web site and types in a provided code to activate the series.

The newly motivated humanitarian then goes to work carrying groceries or mowing lawns with a pocket — or keychain — full of tags.

“Sure, we can serve without tags, and we should, but do we?” Smith questioned. “Not enough, and sometimes not at all. So these (tags) act as a great reminder. You think, ‘I’ve got to get rid of these.’”

Like the proverbial cash that burns to be spent, Smith says, the mini cards itch until they’re properly scratched with a good deed and given away.

Each tag passed out can be tracked on Smith’s Web site as it wonders the earth from one amicable person and one continent to the next.

Those tagged type their ticket’s individual number on the Web site and leave a comment, then pass it on.

Once purchased, the same sturdy tag remains in circulation for what Smith refers to as several “generations” or “ripples” of kindness.

“Like ripples of water,” he said. “Throw the first pebble and watch it multiply.”

In short, a person’s original 10 acts of kindness often increase to 100 in as little as a month’s time.

To date, the 7-month-old Web site has tracked 11,763 acts of kindness, nearly 60 a day.

An active member of The Church of Jesus Christ of Latter-day Saints, Smith said he was especially moved to create the feel-good movement when late church President Gordon B. Hinckley noted, “It is not enough to be good. You must be good for something. You must contribute good to the world. … And the good that is in you must be spread to others.”

The self-made, affluent businessman said the operation is not intended to turn a profit, but he wouldn’t mind if tag sales paid enough to make it a self-sustaining operation.

Attesting to his altruistic claim is a rare sight: a popularly visited Web site without a single advertisement. There’s not one neon-blinking, cursor-following, pop-up ad on the whole site.

“Sure, I want to get paid back on it, but that’s not everything,” Smith said. “I feel good about it.”

Where it does make money, though, is in the fundraising department.

After Smith’s son’s baseball team found out it was facing a 20 percent financial shortfall after dwindling sign-up numbers, they sold the sheets door to door for $20 — of which $12 per sheet went back to the team or organization.

“People don’t mind buying one, even in these (economic) conditions, because they can feel good about it,” he said.

And apparently people do. A glance at the Web site shows comments of appreciation for acts a few dozen ripples deep, ranging from shoveling snow off of sidewalks to an anonymously given cashier’s check for $5,000.

In about a month, the lengthy Web site name goodwillpaidforward.com will be changed to tagten.org “in reference to tagging 10 folks with kindness,” Smith said.

“It’s a tag-you’re-it thing,” he said.

SOURCE: Deseret News

David Perry, a longtime headhunter, says you’re wasting your time if you’re looking for job postings online. And he should know: he’s often the guy on the other side helping companies lure new talent. Perry, who’s based in Ottawa, says that in the last 22 years he has accomplished 996 searches totaling $172 million in salary. And the bottom line in today’s economy, he says, is you have to tap the “hidden job market.”

Perry’s also the co-author of “Guerrilla Marketing for Job Hunters” and he recently spoke with Fortune.

Just last month, Bank of America CEO Ken Lewis warned lawmakers at a high-profile Congressional hearing on the government’s $700 billion rescue plan that he had no doubts 2009 would be an “awful year” for the credit card industry.

What’s the “hidden job market”?

When companies say, ‘We have a hiring freeze,’ that doesn’t mean they’re not hiring. It just means they’re not adding headcount. Every year there’s 20-25% turn over. So in a 1,000-person company, 200 or 250 people are going to turn over, either through attrition, or someone moves. Those companies are still hiring but they don’t want to tell you.

So how do you find these jobs?

What you have to do in a recession is map your skills to employers to where you know they have a problem you can solve. My advice to job hunters is pick 10 to 20 companies, no more, and pick companies you’re interested in, and that you think you can add value to. That requires researching companies, and so that list may take you two weeks. If you’re trying to crack the hidden job market and you know the job position you want reports to vice president, find that vice president on LinkedIn and look at his profile to see who else he’s connected to and go ask them, ‘What’s this guy like to work for?’ Do the research before you even pick up the phone.

How can you get someone’s attention?

We can go into billboards, sandwiches – that stuff only works once. It’s only for one person who figures it out once, once in a city. If you’re looking for fun stuff, we have this thing called the coffee cup caper, 30% of the time it will result in an interview. You send an employer a coffee cup with a little $5 swipe card with a little note that says, I’d like to get together and talk with you over coffee. I’ll be calling soon. And you send it by U.S. post two day delivery, and that gets registered. So when they’ve signed for it, you wait about 20 minutes and then you call them. And then you go, Hi, I know you just got my package.’ You’re proving you’re imaginative and creative.

What something people should avoid during a job interview?

This drives me insane: I’ve seen people mentally deciding in the interview whether they want the job. That’s the last place to decide. You go into an interview, and you sell like your life depends on it. You’ve got to get the job first. I’ve seen it thousands of times. There’s this point in the interview, where people go ‘Hmm, do I really want this? You can see their body change. The employer picks it up and it’s gone. If the employer is telling you, ‘I love you,’ and you’re not saying ‘I love you too,’ it’s over with.

How about following up afterwards?

If you really like the opportunity, don’t go home and write thank you very much. Go back and write a letter that says, upon further reflection of what we were talking about, here’s what I bring to the table, here’s how I see myself fitting into the organization, including a 30-60-90 day plan.

How can someone attract a recruiter’s attention?

You have to go to ZoomInfo and LinkedIn and create a profile. All corporate recruiters and probably 20% of the headhunters in America have ZoomInfo accounts. When we start a search, companies aren’t going to advertise. The headhunter goes to ZoomInfo, types in requirements that we need, like skillset, degree, city, functional title, and up will come anywhere from a hundred to several thousand people who fit that criteria. Then we go to LinkedIn and run the same search. If you’re in ZoomInfo with a picture, we’re going to call you first. Just reverse engineer what recruiters are doing so you get found.

How can you really impress a potential employer?

It hasn’t worked in years just to bring in your resume, except only in the most junior positions. I concentrate on directors to CEOs, and the last interview for us regardless is always a Power Point presentation of what you’ve learned, pain points, and how you intend to fix that. Everyone talks about being a great leader and great communicator, so prove it. Don’t go into an interview and treat it like it’s just another business meeting. Your career is your biggest asset now – because it’s certainly not your house.

by Jia Lynn Yang. Copyrighted, Fortune. All rights reserved.

Unlike a fixed monthly cost such as your mortgage or car payment, the amount you spend on groceries each month is somewhat flexible. While the common advice of clipping coupons and buying generic brands to save money while shopping is sound, by far the best way to truly keep your grocery shopping expenses under control is by understanding how grocery stores entice you to spend more than you really want. By fully understanding the ways grocery stores encourage you to spend, many of which you probably never even noticed before, you can combat their strategies and spend money only on the merchandise you really need.

Although a grocery store may appear to be simply a place to purchase food and other household necessities, in reality it’s a cutting edge example of “how to sell more than consumers really need.” Since you are the consumer, it’s important that you realize these sales tactics so that you walk into a grocery store to get only what you need while avoiding everything else that the grocery store wants to sell you. Here are some ways that grocery stores manipulate you into spending more than you had planned and some simple steps you can take to counter them:

Smell: One of the first things you’ll notice when you enter a grocery store is the mouth-watering smell. There is a specific reason why grocery stores smell of freshly baked goods, and also why the bakery is almost always found near the store entrance. The reason is that a bakery making bread and desserts gives off an enticing smell, and that smell is likely to make you hungry. The grocery store also knows that if you feel hungry while you shop, you are likely to spend more money – a lot more – than if you are not hungry.

A simple way that you can combat this is by going grocery shopping only after you have had a meal and are full. If timing doesn’t allow for you to do this, at least drink a couple of glasses of water before leaving to make you feel full before shopping. Shopping while you’re full makes it much easier to resist the great smelling temptations that the grocery store will flaunt in front of you.

Overall Store Layout: Did you ever notice that when you only need to buy a few staple items, you have to travel the entire grocery store floor in order to get them? While one might assume that the convenience of putting basic staple items in the same general area would make happier customers, grocery stores know that the longer that they can keep you in the store, the more money you are likely to spend. They also know that making you walk as far as they can inside the store will make it more likely that you’ll pick up impulse items. Stores are specifically designed in such a way as to make you spend as much time as possible inside them and walk the entire store floor to get the basic staples that everyone needs.

Although there is no way around going to the far corners of the store to get the groceries you need, you can avoid the trap of impulse purchases on the store floor by taking the time to make a list of the items you need and sticking to it when shopping. Getting into the habit of making a single trip once a week to take care of all your grocery shopping needs instead of several smaller trips throughout the week will also greatly reduce your time in the store and the chances that you’ll buy items you don’t really need.

Item Display Layout: Manufactures of brand named products pay hefty stocking fees to stores to have their merchandise placed on the shelves at adult eye level (and child eye level in the case of products aimed at children such as cereal). Manufactures are willing to pay these prices because they know that you are much more likely to purchase something that you can easily see as you are walking down the aisle than something you have to stop and search for. The result is that the products placed at eye level are usually the most expensive.

Before grabbing the first item you see, take a few seconds to look at the upper and lower shelves. Similar products are placed together and simply looking will often reveal the same product at a much better price.

“Sale” Merchandise: Grocery stores will advertise a certain number of items at rock bottom prices (called “loss leaders”) to get you to come to the store. While these can be genuine bargains, don’t get fooled into thinking that everything that has the words “sale” or “bargain” above it is really that. While aisle ends are reserved for these “bargains,” they aren’t always the deals they seem to be and the discounted products are often displayed along side higher price products. You can sometimes even find similar products in the regular aisle section that are less than the end of aisle “sale” merchandise.

The important thing to remember when grocery shopping is to focus on the price of the product and not all the fancy advertising and slogans promoting the product. Take the time to check the other brands and see if there is a better deal. Also, remember that if you weren’t planning to buy the item and you don’t really need it, then it really isn’t a bargain for you no matter what the price. Only consider those items that you regularly use and you have a need for.

Product Appearance: Product packaging at grocery stores is bright, usually in red and yellows since these colors attract the eye. Just because something grabs your attention, however, doesn’t mean that you have to buy it. Keep focused on your shopping list and don’t get distracted by products you don’t really need.

Packaging will also be much larger than the actual product for many food items. Manufacturers know that shoppers assume that larger sized packaging equals a better deal. It would make sense since bulking items together saves the manufacturer on packaging, shipping and stocking which they can pass along to you. With a mantra “buy in bulk” now firmly grounded in most people’s minds as a way to save money, manufacturers are taking advantage of this. While still not the norm, more and more larger sized packages are less of a deal than their smaller sized counterparts since manufacturers know you will make the above assumptions and probably not compare the per unit cost.

Before grabbing the largest box of a product, take the time to calculate the per unit or per weight cost. More often than you would expect, smaller packages of an item are actually a better deal than buying the same item in a larger package.

Check-Out Layout: The check out aisle of a store is like a mini mart in itself. This is because grocery stores know that they have a captive audience while you wait in line to pay for your groceries. They squeeze in every little thing that might remotely peak your interest to rack up a large amount on impulse sales.

The best way to avoid these temptations to is plan your shopping during off peak hours. Avoid the weekend if at all possible since this is when grocery stores are most crowded, as well as the evening when everyone has just gotten off work. With many grocery stores now staying open 24 hours a day, late night and early morning trips when the aisle and check out lanes are practically bare are the perfect time to get in and out of the grocery store as quickly as possible.

By taking the time to understand how the grocery stores try to influence your shopping and spending habits, you have now put yourself in control. Utilize the suggestions about how to counter the grocery store’s selling techniques and you will be able to control your grocery spending to a much greater extent and should have a much easier time keeping to your monthly food budget.

Copyright (c) by Jeffrey Strain

The holiday season seems to lure us into overindulgence. Eating too much stuffing or drinking too much eggnog is one thing. Charging too many gifts on your credit cards is another. Although the holiday season may entice you to spend more than you can afford, a little self-discipline can help you keep your purchases to a manageable limit.

Why You Should Limit Your Holiday Card Purchases
Credit cards are only an illusion that can buy more gifts than you actually can afford. Here’s why you should limit your credit cards purchases this holiday season.

• Gifts bought on credit end up costing more. Add in months of finance charges and you’ll ultimately pay more for your gifts than you would if you’d used cash.
• Credit scores fall from high balances. Spending more than 30% of your credit limit will cause your credit score to drop.
• The best laid plans…. Unexpected post-holiday expenses might postpone your credit card payment plan, lengthening your credit card debt.

By sticking to a few spending principles, you can keep your holiday spending to a minimum and avoid paying for holiday gifts until the next holiday season.

How To Avoid Holiday Debt
When you’ve made the decision to keep your credit card purchases within a reasonable limit, here’s how to put it into practice.

• Save up. Spending cash instead of using credit for your holiday purchases allows you to avoid holiday debt all together. If you haven’t started saving, put aside something each paycheck starting now and use that to finance your holiday purchases.
• Set a budget before you shop. Setting a spending limit and sticking to it will keep you from overspending. Be disciplined and don’t go over your budget, no matter what.
• Make a list. Santa makes a list and checks it twice, so should you. Even though you might feel compelled to splurge on everyone in your life, you don’t have to. People appreciate simple and meaningful over expensive and useless.
• Don’t shop for yourself. Avoid the “one for you, one for me” shopping mindset. You’ll end up spending double what you would had you shopped only for the loved ones in your life.
• Ignore “big” sales. More often than not, they’re not really sales at all. Those “Buy 2, Get 1 Half Off” deals only trick you into buying more than you would otherwise. Remember, stick to your list.
• Shop online first. The internet makes it easy to shop around. It also makes it harder to buy on impulse. Since most retailers have inventory on their websites, you can decide exactly what you want to buy before going to the mall.
• Leave your credit cards at home. Without your credit cards, you’ll have a hard time charging them up. If you must use credit for your purchases, pick one credit card and stick to your spending budget.
• Don’t buy if you can’t afford to pay. Keep in mind that when you use credit, you’re borrowing from your future income. You know your finances better than anyone. Only charge what you can afford and you’ll avoid paying on your holiday debt until the next holiday season.

SOURCE: About.com

Paying down your debt can be a great tool to help you stay on track financially, especially when the economy slows. But how do you know which debts you should tackle first? Where do you put your extra money each month so that it will make the most difference? Below we’ve provided a few tips to help you prioritize your debt pay-off strategy.

Priority #1: High-interest-rates

No matter if you have a little or a lot of debt, you’d probably rather spend your money on something besides huge interest fees every month. That’s why most financial experts agree: face those balances with the highest annual percentage rate (APR) first. This tactic can save you money in both the short- and long-term.

The strategy is simple: Pinpoint one high-interest account until it’s paid off, then move onto the debt with the next-highest interest rate. And repeat.

Priority #2: Small balances

Removing a bill or two from the monthly pile can free up at least a few more dollars a month fairly quickly. So if you have several balances that are small, consider paying those off at the same time you are paying down the high-interest-rate accounts.1 Taking care of those easy-to-address, lower balances can give you additional encouragement because you’ll see results right away.

Priority #3: Secured debts

Secured debts are those that are backed by some sort of asset, such as your home or automobile. Unsecured debts, such as credit cards, are not tied to any asset as a basis for the loan. Secured debts tend to be for larger sums of money than unsecured debts, meaning you likely will be paying interest on these types of loans for a longer period of time than smaller, unsecured debt amounts.

That’s why making extra payments on a secured debt like your mortgage has the potential to really work in your favor. By making additional principal payments, you may be able to pay off your loan faster — shaving years off your loan term — and helping you save hundreds or even thousands of dollars on interest payments down the road. Plus, if you pay off your mortgage early, that gives you more money by the end to invest in things like retirement or other savings accounts.

During these tough economic conditions, many of us are looking for the quick fix for our money problems. We often short cut our nutrition by buying cheaper, non-healthy food items. Now, more than ever, it is important to keep your body healthy to avoid costly medical bills or missed work.

MyPyramid.gov is an excellent resource when looking to improve your diet. The website is maintained by The Center for Nutrition Policy and Promotion, an organization of the U.S. Department of Agriculture, which was established in 1994 to improve the nutrition and well-being of Americans.

Here are a few of their healthy eating tips -

• Buy vegetables that are easy to prepare. Pick up pre-washed bags of salad greens and add baby carrots or grape tomatoes for a salad in minutes. Buy packages of veggies such as baby carrots or celery sticks for quick snacks.
• Use a microwave to quickly “zap” vegetables. White or sweet potatoes can be baked quickly this way.
• Keep a bowl of whole fruit on the table, counter, or in the refrigerator.
• Popcorn, a whole grain, can be a healthy snack with little or no added salt and butter
• Freeze leftover cooked brown rice, bulgur, or barley. Heat and serve it later as a quick side dish
• Consider convenience when shopping. Buy pre-cut packages of fruit (such as melon or pineapple chunks) for a healthy snack in seconds. Choose packaged fruits that do not have added sugars.
• Dried fruits also make a great snack. They are easy to carry and store well. Because they are dried, ¼ cup is equivalent to ½ cup of other fruits.
• Buy fruits that are dried, frozen, and canned (in water or juice) as well as fresh, so that you always have a supply on hand.
• Set a good example for children by eating fruits, vegetables, and whole grains with meals or as snacks.

The “miracle” of Christmas is repeated over and over again through the joy of caring and sharing. The traditional red kettle of the Salvation Army is an integral part of the Christmas scene, with millions of dollars donated each year to aid needy families, seniors, and the homeless, in keeping with the spirit of the season.

Donations provide Christmas dinners, clothing, and toys for families in need. Financial assistance also helps with basic necessities, along with seasonal aid. Families of prisoners often are included.

Volunteers distribute gifts to shut-ins in hospitals and nursing homes, and shelters are open for sit-down dinners. The Salvation Army endeavors to bring spiritual light and love to those it serves at Christmas so that the real meaning of the season is not forgotten.

Many families receive aid over a period of months after the Christmas season as well, people struggling with difficult family, emotional, or employment problems.

The History of the Red Kettle

In 1891, Salvation Army Captain Joseph McFee was distraught because so many poor individuals in San Francisco were going hungry. During the holiday season, he resolved to provide a free Christmas dinner for the destitute and poverty-stricken. He only had one major hurdle to overcome — funding the project.

Where would the money come from, he wondered. He lay awake nights, worrying, thinking, praying about how he could find the funds to fulfill his commitment of feeding 1,000 of the city’s poorest individuals on Christmas Day. As he pondered the issue, his thoughts drifted back to his sailor days in Liverpool, England. He remembered how at Stage Landing, where the boats came in, there was a large, iron kettle called “Simpson’s Pot” into which passers-by tossed a coin or two to help the poor.

The next day Captain McFee placed a similar pot at the Oakland Ferry Landing at the foot of Market Street. Beside the pot, he placed a sign that read, “Keep the Pot Boiling.” He soon had the money to see that the needy people were properly fed at Christmas.

Six years later, the kettle idea spread from the west coast to the Boston area. That year, the combined effort nationwide resulted in 150,000 Christmas dinners for the needy. In 1901, kettle contributions in New York City provided funds for the first mammoth sit-down dinner in Madison Square Garden, a custom that continued for many years. Today in the U.S., The Salvation Army assists more than four-and-a-half million people during the Thanksgiving and Christmas time periods.

Captain McFee’s kettle idea launched a tradition that has spread not only throughout the United States, but all across the world. Kettles are now used in such distant lands as Korea, Japan, Chile and many European countries. Everywhere, public contributions to Salvation Army kettles enable the organization to continue its year-round efforts at helping those who would otherwise be forgotten.

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