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Unemployment of Chinese graduates

Here are three big reasons for you to get a card if you don’t have one:

• You want people to call you or at least e-mail you.  How are they going to do that if you don’t have a card handy?
• A business card tells your prospect or potential employer who you are and what you do.  If they need what you have, and your card is handy in their wallet, who do you think they’re going to call?  They’re going to call you before they start Googling.  People appreciate the personal touch believe it or not.
• Having your card ready to go gives you a boost of confidence.  It makes you feel like a professional, even if you’re not working.

Three basic design principles:

• Put your contact information on the card, not all of it, just where you want to be contacted. If you do not want new contacts to call your cell phone, leave that information out.  Less is actually more.  I put only my website, city, and business telephone on my card.  If they want to e-mail me, they can do it through the contact form on my website, and I tell that to everyone I meet.  The last thing I want is more cell phone calls or to be put on more spam lists.
• State exactly what you do on your card.  If you design websites, say so.  Do not leave anything to chance.  Be direct.  You can give yourself a fun title, but make sure the prospect knows exactly what you do.  Never assume that they’ll figure it out.
• Your card is a piece of you.  Do not do it yourself.  For under $30, you can get a thousand professionally offset-printed cards on nice paper with your own logo.  You can design these right on the internet in minutes.  A few days later, you will have your cards.

When you get your cards, get out there and talk to a lot of people, and hand a card to everyone you talk to.  You’ll get better results than you might imagine!

Chuck Lin helps unemployed people survive. Check out Survive Unemployment!

And here is a related article about business cards.

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Post from: Best Jobs For The Future

If you’re unemployed, get a business card

With our economy in recession, more people will be losing their jobs, and could be finding themselves without one for an extended period. When that happens it’s not good enough to just cut back spending a little and use credit cards to make ends meet until the economy recovers. Getting by without a job is possible, even for an extended period, but it requires taking drastic measures to cut spending, and it requires taking them early, while you’ve still got some cash on hand.

Cutting fixed expenses

Most of the fixed costs for a household are tied up with housing. There’s the rent or mortgage, there’s the utilities, and there’s the insurance. If you own a house free and clear with no mortgage (or if the payments are very low), then it may make sense to stay there (even though just utilities and insurance can add up to as much as the cost of a cheap apartment). If you’re renting or have a mortgage, you need to look seriously at moving to the lowest-cost housing you can find–and start looking the instant you begin to suspect that this period of unemployment will not be the sort of brief sojourn that people can generally expect during good economic times.

The most obvious thing to do is to move in with relatives. Many people view this as the sort of ignominious defeat that’s little better than ending up living in their car, but it’s a step that can turn a catastrophe into just a bump in the road if you do it early enough. If you wait until your savings are exhausted and you’ve run up a bunch of credit card debt, you can put yourself into a hole that you may not be able to get out of anytime soon. Just tell yourself that you’re not moving in with relatives forever, just until the economy improves enough that you can find steady work again. And really, isn’t this what family is for – to support us and always be there for us in our time of need no matter what? Of course it is.

If you don’t have relatives (or they won’t take you in), other sorts of house-sharing arrangements are possible, such as splitting costs with a roommate or renting a room in someone else’s house. The other really large expense for a lot of people is transportation. Owning a car costs thousands of dollars a year–and only about half the expense is the purchase price and financing; the rest is just fuel, maintenance, taxes, and so on. If your car is paid off, it may make sense to keep it; it would put some opportunities to earn money within reach that wouldn’t be if you had to rely on public transport or a bicycle or walking. But owing money on a car is just about untenable for someone without a job.

Those are the big ones. If you can reduce your cost of housing enough (and you don’t have other debt that you have to make payments on), you can cover your other living expenses at some level, even with a very low income, at least temporarily.

Enjoy it

Is there any overlap between living in poverty and living large? Personally, I think there is. Being forced by hard economic times to eke out a meager existence – that’s not exactly living large. But choosing to eke out a meager existence, because it’s the best way to live according to your own values? That’s living about as large as you possibly can. Most people never think about what they most want to do with their lives. They find something that they’re okay at that pays enough money to support them, and then let a rising income drive a rising standard of living with no real thought even to the possibility that there might be alternatives. In hard times, though, the alternatives may be all you’ve got. Fortunately, there’s a good chance that one of those alternatives is actually a better choice than whatever you ended up doing.

You can get by without a job if you cut your spending enough. And if you do that, you open up a universe of possibilities that most people don’t even know is out there. Take advantage of the opportunity to explore those previously uncontemplated choices. If you don’t like what you find, you can go back to working a regular job just as soon as you find one. Maybe, though, you’ll find the alternatives alluring.

And if you’re unemployed and haven’t already done so, by all means – file for unemployment.

John Chase works in the finance field, and writes about topics such as debt settlement & debt consolidation, home loan modificiaton, credit repair and unemployment issues.

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Unemployment Survival: Cutting Costs

How to: Handle Job Loss

First, make sure you collect all of the wages that are owed to you by your former employer. Not just your salary, but any vacation and sick pay owed to you should be collected. If you were promised a bonus or are owed commissions make sure you collect those also. Don’t let the employer intimidate you.

Advice about: Landing Perfect Job

Second, check into your health insurance to see how you can take advantage of COBRA. It is now more important than ever to make sure you have coverage in case of an emergency. Going to the doctor or the hospital without insurance, could cost you all of your savings.

Next, check with your states unemployment to see if you are eligible. If you are fill out the forms as soon as possible so you can receive your first check quickly. The basic amount of time for unemployment is 26 weeks. But now with the high rate of unemployment extensions are being given. Make sure you check all of your options.

In addition, don’t be embarrassed many people are losing their jobs today through no fault of their own. Tell people, talk about it. Don’t isolate yourself. You never know when you are talking to someone they may know of a position for you.

Lastly, take this opportunity to evaluate what you want to do with the rest of your life. This a perfect time to consider starting your own business. Many folks are looking to online home businesses. Even if at first it is only part time it can grow into a full time profitable endeavor. Most important, don’t get down on yourself, keep a positive attitude and think of this whole experience as a new beginning.

Bryan Burbank is an expert in the field of Career. For more information go to: http://www.findanotherjob.com

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Learn How to Handle Losing Your Job

Is it ever a good idea to “walk away” from a mortgage?

For all too many Americans this isn’t even a question – they simply can’t come up with their payment this month. But others face a complex tradeoff. Perhaps you can squeak out the monthly payment but have to turn down a better job in another town because your mortgage is too far underwater for you to sell your home. Maybe you’re so far away from ever breaking even on the house that you just can’t stand to keep throwing money at it. Some people will find walking makes sense.

Here are the purely economic costs you’ll have to weigh. First, there’s your credit score. If you have a good score, it most likely will drop more than 100 points, according to credit scorer FICO, and the mark stays on your report for seven years. You’ll be hard-pressed to buy again anytime soon. And you should remember that potential employers and landlords may see your credit record, although some of the stigma of losing a house may be wearing off now that we’re Foreclosure Nation.

Taxes. In the past, if a lender forgave a mortgage, you typically had to pay tax on that amount. A new law offers relief from most of those federal taxes. But it’s only for a primary residence, and if you borrowed against the house for anything besides home improvement, you’ll still owe tax on that part. Also, depending on your state’s law and your type of mortgage, your lender may be able to go after you for the money. It is uncommon, but as the recession drags on, banks may get tougher. Consult an attorney and tax professional before making a decision.

And check the rental market in your area. You may not save as much as you’d think, especially after figuring in taxes and the burden of poor credit.

I don’t have much of an emergency fund if I lose my job. What do I do now?

You need backup cash like never before. It’s taking people longer to find work – a middle-aged worker now can expect an average of six months to rebound from a layoff. And if you have a very senior position it could take longer. So ideally you should have a year’s worth of expenses saved. You also want to take a hard look at your 401(k) and IRA investments. Tapping retirement accounts for living expenses should be your very last resort, but if you have little or no other savings, you might want to consider these as emergency sources of cash.

John is a DJ and radio producer by trade who has performed in the U.S., Russia, Germany, Turkey, Macedonia, Serbia, Kosovo and India. Through a strange twist of fate he found himself working in the debt consolidation and debt settlement field in Chicago. John has a great interest in charity work as well.

His other interests include fitness, science & technology, modern medicine, politics, world events and pop culture.

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Unemployment: How To Survive