Tuesday, November 15, 2016

12 Month Payday Loans- Extended Repayment Duration for Mini Cash

Are you facing an impediment in fulfilling your needs due to not having enough money? Do you want support so that you can sought out your troubles? 12 month payday loans would prove to be a helping hand at such a time. In the case of this financial service, the borrower would gain extended repayment duration for mini cash.

The process of application is free from all kinds of hassles. A no obligation and free of cost online application would be made available on the websites of the money lenders. It should be filled with genuine personal details. As and when the process of verification would get over, you would instantly get an approval. In as less as 24 hours, the credit help would get transferred into your bank account.

In the case of 12 month payday loans, the borrower, along with comfortable settlement time duration of 12 month that would form a year, ‘£80 to ‘£1500 is the range in which he can get hold of money. One would now be easily able to solve his day to day needs that are emergency ones. He can pay the household and utility bills, can get small house repair jobs done, can send the car for a repair jobs, can pay the medical as well as educational expenditures and so on.

The online transfer of the cash advance makes the documentation completely nil. In this process of money lending, you would not get into any unwanted filling and faxing of papers. The rate of interest that is charged here is quite high.

IVA, CCJs, arrears, missed payment, insolvency, payment overdue, foreclosures, late payment, bankruptcy and so on are no concerns as there is no process of credit check. There is no requirement from the side of the money lender to give credit confirmation of any sort.

Xavier Alexander is a well known Financial Consultant. He provide useful advice through his articles on quick loans same day ,Loans For Bad Credit and 12 Month Payday Loans.

Tags:12 Month Payday Loans- Extended Repayment Duration for Mini Cash

12 Quick Cleaning Tips

Do you want to have a clean house, a really clean house, but don’t think you have the time to keep up with it? Here is a list of 12 strategies to find the time to keep your house clean in the least amount of time.

The Environmental Protection Agency (EPA) specifies “products for household cleaning and maintenance products, personal care or hobbies” as sources for indoor air pollution.In this article, Indoor Air Quality, the EPA also lists “allergic skin reaction” as a potential health reaction to air pollution. The same article states that indoor air may be up to 5 times more polluted than outdoor air. Natural cleaning alternatives are included throughout this article so you can consider replacing some of your conventional products with the natural alternative to help improve your indoor air quality.

1. Mix one cup of baking soda with one teaspoon lemon or lime juice. Keep in a pretty container near the kitchen sink. Whenever you clean up the kitchen, put a couple of tablespoons of this mixture into the sink and use your dish rag to scrub the sink. It takes less than a minute, and you will never have to bleach or work to hard to scrub the sink again. Also, use this mixture to clean greasy pots. The baking soda gently absorbs and scrubs away the excess grease, saving time doing the dishes. The baking soda in your garbage disposal or drain trap will help to keep kitchen odors away. Baking soda in a dish is also a great room deodorizer to keep your kitchen smelling fresh and clean. A pretty dish with a slice of lemon on top of some baking soda is much prettier than a manufactured jar of abrasive powder, don’t you think?

2. Use only natural fibers and washable fabrics for curtains, rugs, and upholstery covers. This reduces formaldehyde particles in your environment as well as your ability to find the time to keep it clean. Which is easier: pop the stuff in the washer or drag it to the dry-cleaners?

3. ’10 Minutes to Clean’ works great to cut down on clutter without much effort. If you have children, this is even better. Blow a whistle and declare ’10 minutes to clean’. Have everyone go to a designated area based on his or her abilities and clean up everything that is not being used. I do this three or four times a day on the weekends to keep up with the clutter. For air freshener, try a few squirts of this natural solution: 4 ounces water, t tablespoon of vanilla extract. You can substitute any other extract for the vanilla extract. Put in a spray bottle. Shake and spray. It smells incredibly clean and is totally non-toxic. Everyone can have their own special bottle for their area, even the younger children that want to help but shouldn’t be touching conventional cleaning products.

4. If you make your own natural products, keep concoctions labeled. Make sure you keep everything labeled so you don’t have to guess at what you need. The last thing you want to do is confuse say, your glass cleaner rather than your wood polish. It is very time consuming to get the oil off the glass.

Natural lemon glass cleaner: 3 parts distilled water, 1 part white vinegar and a tablespoon of lemon extract

Natural orange wood polish: 1 part water, 1 part white vinegar, 2 tablespoons liquid vegetable oil and 1 teaspoon orange extract

5. Pick up as you go. When you are done with something, put it away. At one place I worked, the rule of thumb was that clean up starts when you start. If you keep everything done as you go along, it takes a lot less time later on. If you have enough space, keep the dishwasher open when cooking so you can rinse and drop everything in as you go to save on time cleaning up later. For short loads in the dishwasher – just run it with baking soda and a cup of vinegar. The baking soda acts as an abrasive and the vinegar kills germs.

6. Fill sink or tub rather than bucket for floor washing. You have to clean it anyway so why have to clean a bucket too? Rinse the floors with vinegar with orange and lemon floor cleaners. Just add a few gallons of water to the tub and dump in about a half cup real orange juice and a squirt of lemon juice. When you are done washing the floors, drain the tub and sprinkle with baking soda. Use your mop to scrub the bottom of the tub. Rinse the mop and the tub and you’re done two things at one time.

7. Vacuum the house every week. It takes only minutes when it is done regularly – saving you from what used to be a big time consuming chore. Regular vacuuming also helps to cut down on dust so you don’t have to dust as often.

8. Set aside 15 minutes per room to detail clean each week. If each room is detailed weekly, it stays fresh and is never a chore to clean. Vacuum under dressers, freshen linens and clean under the bed.

9. Take shoes off when entering the house. Set up a bench with slippers for each family member, swap for shoes when you come in. Most of the mess will be in one location and easy to clean up.

Shoe Deodorizer and carpet powder: Mix one cup baking soda and one teaspoon lemon juice until there are no lumps. Put in an old shaker spice container. Sprinkle some in each shoe and allow to sit overnight. No more stinky shoes. As a carpet powder, just sprinkle on carpet. Leave on the rug for at least 15 minutes and vacuum thoroughly.

10. Keep your hands full. As you walk from one room to another, look around for things that belong in the room you are going to be in next. Grab what you can and take it with you. Put everything away as you move around. This strategy is the most effective at keeping things done and your whole house clean all the time.

11. Keep a container of baking soda by the shower. When you are done your shower, before you get out, put about a half cup of baking soda on the rag and wipe down the walls and the tub with the baking soda. Baking soda is a mild abrasive that gets rid of soap scum and minerals from the water, and the high pH kills germs. Rinse the walls real quick and you’re done. No stretching, bending, reaching or inhaling chemical fumes.

12. Always dust with a damp cloth. This keeps the dust from blowing around in the air and bothering allergies and resettling on furniture. This means you dust less often. Plain water on a cotton rag is good enough. Dust and then toss the rag into the washer. It sure is cheaper than a roll of paper towels!

If you found these tips and recipes helpful, please share this article with a friend.

Resources:
Environmental Protection Agency, http://ift.tt/YhablZ
Indoor Air Quality, http://ift.tt/Ijs4pJ

Tags:12 Quick Cleaning Tips

12 Romantic Comedies that Were Not Terrible

Watching countless movies (321 according to the amount I’ve rated on IMDb) alone in my room has taught me a number of life lessons. The most important one has been that romantic comedies, 95% of the time are horrible. This is bumped up to 100% of the time if Julia Roberts is involved.

Spending the rest of my free time surfing the internet alone in my room has also taught me many important life lessons, one of those being that everyone is lazy and would rather read in list form whenever possible so lazy ladies and gentlemen I present the 12 good romantic comedies of the last 10 years.

12. Hitch

Hitch came out in 2005 and stars Will Smith, Eva Mendes, and Kevin James (in the funniest thing he probably will ever do). I’ll start off by saying up front I would not watch Hitch again. It is with out a doubt the most generic movie on the list. However it is miles ahead of any rom-com from the last 10 years that isn’t on the list which is enough to merit inclusion. Hitch (Smith) is a date doctor. He knows women and knows how to make relationships happen. The movie does fall into typical rom-com cheesy-ness at times and Will Smith does carry the movie most of the time. There is also a massive character contradiction where at one point Hitch refuses to work with a man because he is not interested in developing a relationship with a woman, just in getting her in bed. But a few scenes earlier Hitch did just that. But overall Hitch made for some genuine laughs, had a mostly strong script, and James and Smith had good chemistry. If you’re a guy and you have to watch a generic rom-com for date night, I’d recommend it. In that situation, whatever you do, do not have her watch…

11. Ted

Ted came out in 2012 and stars Mark Wahlberg, Mila Kunis, and Seth MacFarlande (who may have thought he was still Peter Griffin). I had some questions in putting this in the category of romantic comedy especially when I left I Love You, Man off the list because it was more about the relationship between Jason Segel and Paul Rudd than Paul Rudd and Ann from Parks and Rec. But then I watched Ted again and realized it was justified. The whole conflict in Ted happens because Lori (Kunis) wants John (Wahlberg) to kick his best friend Ted (MacFarlane) out of their apartment so John can get his life together and they can move on with their relationship. Since the relationship was the driving force of the movie its a rom-com. Now that thats out of the way, Ted did have a difficult premise to pull off. Not because one of the stars was a talking teddy bear that sounded like Peter Griffin, but because if you were told you could have a teddy bear like Ted or a girlfriend that looks like Mila Kunis you’re not gonna really struggle with making that choice. But you do end up buying Johns actions because you buy that he does love Lori but also that Ted is his best friend. However, you don’t end up hating Lori either because its obvious Ted isn’t the best influence on Johns life. Overall Ted is nothing more or less than a very funny movie (and I’m saying this as an avid Family Guy hater). Its loaded with reference humor which I love and has enough totally random and ridiculous moments and premises that are believable (in the movies universe) that kept me laughing from beginning to end.

10. Lars and the Real Girl

Lars and the Real Girl came out in 2007 and stars Ryan Gosling, Emily Mortimer, and Paul Schnelder. The story centers around Gosling who plays Lars Lindstrom, a quiet man from a small town who doesn’t seem to have many close relationships. Lars then decides to fix that and orders one of those blow up dolls over the internet and falls in love with her. Thats the short of it, and honestly the premise alone would be enough to land it on this list, even if it did fall flat on its face as it seems it should. I mean come on, there have been very few original romantic comedies well… ever. And this is one of them. Gosling saves the movie in his portrayal of Lars as he is able to strike a balance in keeping Lars from becoming cartoonish while still keeping the movie at a near constant laugh-out-loud level. Its also a very heartwarming story. As Lars works up the courage to introduce “Bianca” to the rest of the town his relationship is met with unexpected, genuine support and Lars begins to finally blossom which helps bring home the great message the movie sends. Theres a lot to be gained from acts of kindness.

9. Friends with Benefits

Friends with Benefits came out in 2009 and stars Justin Timberlake and Mila Kunis. This movie came out around the same time as No Strings Attached which starred Milas Black Swan costar Natalie Portman and her future boyfriend/That 70s Show costar Ashton Kutcher. I just found that to be kind of funny. This movie is a lot better though. For starters Mila Kunis and Justin Timberlake have better chemistry than any two leads in a rom-com on this list. In fact, probably better than any duo on the list. The banter they have is believable and pretty funny. Also the movie has some inside jokes that I found to be very entertaining. Both Jamie (Kunis) and Dylan (Timberlake) were given a lot more depth and development apart from eachother than I had anticipated. It spends more time developing both leads, particularly Dylan in ways that I didn’t expect which was very refreshing. Also since I do truly hate rom-coms, I appreciated that this one took time to explicitly make fun of them so it gets points for that. This isn’t by any means a deep movie, but the strong on screen chemistry, good writing, likeable characters, and self-awareness it shows all help deliver a very solid picture.

8. Forgetting Sarah Marshall

FSM was released in 2008 and stars Kristen Bell, Jason Segel, Mila Kunis (again I know, last time I swear), and more importantly Russell Brand and Jonah Hill. FSM follows a simple premise. TV score composer Peter (Segel) is dating TV starlet Sarah (Bell). Sarah dumps Peter. Peter gets sad. Peter goes on vacation in Hawaii and happens to stay at the same hotel where Sarah and her rockstar boyfriend Aldous Snow (Brand) are also staying. Russell Brand provides the best performance and offers the most laugh-out-loud moments, especially when on screen with Jonah Hill who works at the hotel and is a Snow fan-boy. Segel wrote the script and worked in some pretty clever jokes and jabs at pop culture. Snow obviously is a parody of self-indulgent overly “cause driven” pop stars. Segel also makes fun of crime scene shows (Peter and Sarah work on one at the start of the movie). Despite this the movie doesn’t rely on too many pop-culture references and is a stand alone comedy. However, I was most impressed with the character construction. None of the main characters are one-dimensional, even Sarah and Aldous who are supposed to be shallow. They also aren’t cartoonishly overstated. Well, except for Aldous Snow but he is an ex-drug addict, sex addict rockstar so he may be more realistic in that role than I realize. The major differences between Rachel (Kunis) and Sarah are represented in very subtle ways which I found refreshing and all characters were likeable which doesn’t usually happen in any movie. That contrast between Rachel and Sarah was very important in helping the movie accurately illustrate the difficulties in moving on. Sarah is a shallow spoiled brat deep down. Rachel is a sweet, charismatic girl who sees the good in people. But Peter still finds it hard to forget Sarah Marshall. I thought this was played beautifully. All in all Forgetting Sarah Marshall didn’t have the greatest premise in the world but the execution was near perfect and made the whole movie very original. It was much more subtle than a typical comedy but was also funnier than a typical comedy which is hard to pull off and proves that less is more.

7. Wedding Crashers

Wedding Crashers first crashed theaters (see what I did there?) in 2005 and stars Vince Vaughn, Owen Wilson, Rachel McAdams, and Isla Fisher. Full disclosure, I haven’t seen Wedding Crashers in a very long time. However, I do remember how funny it was. Without a doubt it is the funniest movie on this list. Vince Vaughn is, in my opinion, one of the funniest people making movies and was when Wedding Crashers came out. The riffs he goes on had me laughing harder than I do in many movies. Of all the movies on this list, this one along with Ted is the least romantic and could be argued to not be an actual rom-com. But this isn’t your list is it? John (Wilson) and Jeremy (Vaughn) crash weddings to hook up with girls. They have a big list of rules on just how to do this. However, when they crash the Cleary wedding, Wilson breaks one of them when he falls for Claire (McAdams) who is already spoken for. This rom-com is one I found to be somewhat split. While Claire and Johns storyline has plenty of funny moments, it holds most of the romance. On the other hand, Jeremy and Gloria (Fisher) bring up most of the comedy end as they are without question the funniest two characters. In short it plays out just how you’d think it would, but that doesn’t make it less entertaining.

6. Crazy, Stupid, Love

Crazy, Stupid, Love hit theaters in 2011 and stars Steve Carell, Ryan Gosling, Julianne Moore, and Emma Stone. Jacob (Gosling) is pretty much the opposite of how he was in Lars and the Real Girl. He’s well dressed, interesting, and picks up as many women as Barney Stinson but in much more believable ways. When Cal (Carell) gets dumped by his wife Emily (Moore) he starts frequenting the bar where Jacob hangs out. Jacob in the end decides to take Cal under his wing and teach him how to not be so pathetic. During this teaching period Jacob delivers a line about the battle of the sexes that just might be the best line in any of these movies. Of course just when Cal is getting on his feet, Jacob meets Hannah (Stone) and starts to need Cals help since actual relationships are more his area. Combined with sub-plots involving Cals son and his babysitter pretty much anyone can relate to Crazy, Stupid, Love. That said, most guys will relate because most of them think they’re as suave and well dressed as Ryan Gosling in this movie but still the movie is highly relatable, very funny, and feel good but in a realistic non-cheesy way. Very well written.

5. (500) Days of Summer

(500) Days of Summer came out in 2009 and stars Joseph Gordon-Levitt, Zooey Deschanel, and an amazing soundtrack. In short Summer (Deschanel) doesn’t believe in true love and Tom (JGL) is in love with her. Never a good situation to be in. The story telling in the movie is great, jumping around in time and showing you where it is by posting how many days it has been since Tom first met Summer. Its a very original rom-com because, as the narrator tells you at the beginning of the movie, this is not a love story. While Friends with Benefits overtly made fun of rom-coms and said up front it was trying to avoid their cliches, (500) Days of Summer does that more quietly and with a little more success. I don’t think a romantic comedy that doesn’t feature a traditionally inanimate object has ever been this original in premise or execution. (Well maybe one has been.) It maintains realism better than most movies while still managing to be more entertaining than most movies. It follows no formula, doesn’t pound you over the head with conventionally “good” or “evil” characters (it executes the subtly of FSMs character building but does it better). Most importantly its heartbreakingly relatable to anyone who has ever been led on or has been the more loving half of a relationship. If you have been in that situation before as I have then there really isn’t a more relatable movie or a more accurate depiction of romance to relate to.

4. Beginners

Beginners began in 2010 (these just come to me) and stars Ewan McGregor, Christopher Plummer, and Melanie Laurent. With FSM and (500) Days of Summer I emphasized subtly of character. No movie has done that better than Beginners. However, Beginners does it so well that it almost gets disqualified from being a romantic comedy for lacking comedy. The jokes are there, they’re just not the focus of the movie. Beginners is without a doubt the most complex movie on this list. It tells three different stories. It flashes back to Olivers (McGregor) relationship with his mother growing up. During this time it also shows how his mother struggles through a marriage that only works on one level. In the second story it is revealed that this is because Olivers father Hal (Plummer) is gay, and at age 75, months after the passing of his wife and just after finding he has terminal cancer, he is ready to explore his homosexuality. The final story follows Oliver and Anna (Laurent) and the development of their relationship. Beginners really explores how our past experiences give us our motivations and dictate our perception of situations and our decision making. More importantly, it shows that that we need to recognize when this causes us to go down an unhappy path and to catch ourselves when this occurs and let go of our past even though this makes us beginners at anything. Love or life.

3. Silver Linings Playbook

Silver Linkings Playbook came out in 2012 (hard to believe because in it the Eagles are supposed to be good) and stars Bradley Cooper, Jennifer Lawrence, Robert De Niro, and Jacki Weaver. All four of the stars were nominated for an Oscar making it I think the third movie ever to be nominated in every acting category. So to say the acting is good is an understatement. Chris Tucker was a bit mis-cast but otherwise its overall the best acted movie here by a good stretch. The weird thing for me is, as high as I’ve ranked this movie, it is the only one that didn’t live up to my expectations. Of course I expected most of this list to be horrible and SLP had a huge amount of hype so that does explain why. The only other gripe I have is this movie has a dance scene at the end. I hate dance scenes but they danced to the White Stripes at one point so that made it alright. Those two gripes aside, this was a very enjoyable movie. Pat (Cooper) and Tiffany (Lawrence) are both bipolar. Pat lives with his parents (De Niro and Weaver) and is trying to get his life together. Even though Lawrence won the Oscar for her role, Cooper is the main character. The premise of the movie is original enough but what really won me over was how they handled the romantic aspect. Or how the author of the book did I guess, I haven’t read it so I can’t speak for how accurate the interpretation is. For most of the movie Pat and Tiffany are building a relationship without it being apparent to either of them. Pat spends most of the movie trying to figure out how to win his ex-wife back. I really enjoyed how they worked the romantic part of the movie which bumped it up a few spots. Its very well written as well, the script takes full advantage of Cooper and Lawrences comedic talents.

2. Garden State

Garden State came out before Kick Starter existed in 2004 and stars Natalie Portman, the films writer/director Zach Braff, and the only existing soundtrack that is better than the one from (500) Days of Summer. Garden State is about Andrew (Braff) a 20-something year old who returns home after 9 years for his mothers funeral. While at home he takes a vacation from the anti-depression medication his father has given him and begins to reconnect with old friends and discovers love through Sam (Portman). Braff penned a great script. A fantastic one actually. He and Jason Segel proved that TV actors can make it big in more ways than one. Garden State is several levels above Forgetting Sarah Marshall though. Upon its release many said Zach Braff was the new Woody Allen and that Garden State was as generation defining as Fight Club. Since Braff had to open a Kick Starter nine years later to make a follow up I’m not so sure about the first comparison but the second is right on the money. Garden State had plenty of classic scenes, a great soundtrack, great acting, great chemistry, great writing, great directing, great everything. But it really spoke to teenagers and young adults. It was about much more than discovering love and its meaning and place. It showed what its like to be a young adult with your whole life ahead of you, staring out at this empty space and not knowing what to fill it with. That that idea and the frustration that comes with it is what universally spoke to a generation just as Fight Club spoke to the one before. This made Garden State transcend the rom-com genre and become a universally relatable movie outside the idea of love.

  1. Eternal Sunshine of the Spotless Mind

2004. Jim Carrey, Kate Winslet, Mark Ruffalo, Frodo. Eternal Sunshine of the Spotless Mind beats out every other movie in original premise. When Joel (Carrey) and Clementine (Winslet) watch their relationship fall apart they decide to each decide to erase the other from their respective memories. It also wins out in the originality of story telling and direction. As memories are being erased we follow Joel through his relationship with Clementine and watch how their relationship unfolded in out-of-sequence memories. The procedure is done while the subjects are sleeping and I can’t help but feel Christoper Nolan took found some ideas for Inception in this movie. Eternal Sunshine of the Spotless Mind doesn’t have the greatest acting, greatest script, greatest chemistry, funniest dialogue or greatest one liners. Thats what makes it all the more impressive. There is nothing flashy about it in truth. Of course it is very entertaining, and has it funny moments. Overall though its just an incredibly original story that sends the message that every relationship has a beauty worth remembering.

Honorable Mentions/Why That One Isn’t Here:

I Love You, Man (2009. Jason Segel, Paul Rudd)

Very entertaining movie that could be a date-night type movie. Focus isn’t on the romantic relationship though.

10 Things I Hate About You (1999. Heath Leger, Julia Styles, Joseph Gordon-Levitt)

Miles better than Hitch, not nearly as good as Ted. Would have been between them on the list for managing the difficult task of being a decent high school movie if it came out four years later.

Choke (2008. Sam Rockwell, Anjellica Huston, Kelly Macdonald)

The only other movie based on one of my favorite authors book (Chuck Palahniuk, who wrote Fight Club). This would have replaced Wedding Crashers as the funniest movie on the list, Sam Rockwell is perfect. But the romantic element wasn’t quite present enough.

Four Christmases (2008. Reese Witherspoon, Vince Vaughn)

Another very funny movie, but again I didn’t see it as really being a “romantic” comedy.

Midnight in Paris (2011. Owen Wilson, Rachel McAdams)

A lot of people think this is a romantic comedy for some reason. I see it as neither. However it is a very good movie.

Shaun of the Dead (2004. Simon Pegg, Nick Frost)

Come on. Yeah some say this is a romantic comedy. No, Simon Peggs got more pressing matters.

Scott Pilgrim vs The World (2010. Michael Cera, Mary Elizabeth Winstead, Ellen Wong, Her?)

One of the best movies of 2010. Why its not here? The world isn’t ready for Michael Cera to be a romantic lead.

Juno (2007. Ellen Page, Jennifer Garner, The Bluths)

The relationship is more of a subplot.

Tags:12 Romantic Comedies that Were Not Terrible

12 Months Free Line Rentals: Reduce Your Calling Expenses

Giving a new meaning to our lives, mobile phones are coming up with slim and classy designs with cutting edge technologies. The slim, slider and elegant designs combined with advanced functionalities give a sophisticated look to our lifestyle. The use of mobile phones have gone up in the last few years. Today, people are going for online shopping of mobile phones rather than purchasing from streets. Online shopping is regarded as a better platform as they provide numerous deals along with latest models. The latest models provide advanced technology features with state-of-the-art features.

An extremely popular mobile phone deal is 12 months free line rental which is a contract deal that requires depositing a security for a specific period. The network service providers like O2, Orange, Vodafone, etc. are coming up with unbelievable deals that allure the consumers and offer them various benefits. The main advantage of these mobile phone deals is that they these deals can minimize your calling expenses. Furthermore you get a handset absolutely free or at a low cost along with extraordinary offers.

The increase in competition among the manufacturers and network providers is increasing at a high rate. The network providers are always in a bid to offer ground-breaking deals so that the consumers get attracted and buy them. If you wish to go for some amazing deals, you just need to figure out your communication needs and and get the best deal.

The popular contract deals offer incentives like free talk time, free text messages, free handsets, and special gifts like cash backs, XBOX, etc. So if you have decided to get hooked to a 12 months free line rental deal, then sign up the contract and enjoy the benefits provided by the deal. You can also get the most profitable deal by checking various comparison portals and choose the one that suits you.

Tags:12 Months Free Line Rentals: Reduce Your Calling Expenses

12 Tips on How to Keep Your Job While Everyone All Around You Gets a Pink Slip

Stay up on where your industry is headed. Information is crucial even in a boom economy, because one or more industries are always in a downturn. Know where your company in particular is headed. If you hear rumors of layoff, don’t dismiss the news as office gossip. Check out your company’s financial reports for the past two years.

If you sense from rumors and your research mentioned above that layoffs are inevitable, consider volunteering to be laid off. The first person out usually reaps a bigger severance plan, especially if you’ve been with the company for several years. Of course only consider doing this if you are not financially strapped.

If you want to stay in your job, make sure that you have a good working relationship with higher ups. This kind of relationship should always be in place anyway. We’re not talking about brown-nosing here, but it is good to know if your boss likes to be kept up to date on projects on a daily basis and you comply even if you don’t agree.

Nurture good relationships with your peers. These may be the hardest relationships to keep in good standing because of competition for promotion. If you can be known as the person who is not infected by the “crab” mentality (pulling others down to elevate yourself), then you will most likely be liked and respected by your peers. Sometimes this can be the ultimate decision of whether you get a pink slip or one of your peers.

Be seen as the manager who is tough but fair. If you hold a manager’s position in your company, your subordinates should see you as the one to come to for help and guidance, but also the one who does not tolerate a slacker. If your company does not have evaluations of managers by subordinates in place, make sure you develop periodic evaluations yourself. The evaluation will look good when layoff decisions are made and look good with your resume if it comes to that.

Take part in company social events that are important to higher ups. Some executives view your participation in office birthday parties or holiday celebrations as an important part of your position. Do not neglect these gatherings if you know your boss considers them important.

Never ever ask for a private meeting with your superior to discuss your possible layoff! You put him or her in an awkward position that they hate to be in. This action alone may turn the layoff decision against you.

No matter what, stay focused on the job you have to do and stay enthusiastic. Do not lower your productivity because you feel your layoff is inevitable. Do not waste time gathering at the water cooler to discuss layoffs. Keep your focus positive.

Increase your work performance. Find ways to close more deals or cut costs. Volunteer for assignments that others don’t want, such as those that may require more travel. Keep tabs on the increase in numbers that your actions generate.

Stay on top of your game by increasing your knowledge and skills. Go back to school or take continuing education courses that will help you do a better job and increase your value to your company. Read books and trade publications about your industry and your position in particular. Volunteer to write articles for the company newsletter. Become an expert!

Tags:12 Tips on How to Keep Your Job While Everyone All Around You Gets a Pink Slip

12 Tips for Saving Money for the Summer

Some of us teachers are not fortunate enough to get paid year-round. So when summer rolls around, we have to get creative in order to make ends meet. And many part-time jobs that are available don’t pay nearly the same amount of money. Here are a dozen ways to save money during the school year, to make that summer burden more bearable.

1. Round up

When paying with cash, always pay with bills. Store the change in a fun piggy bank or jar. Regularly roll the coins to deposit when you need them. If you don’t want to take the time to roll them yourself, take the jar of coins to one of those Coinstar machines, which for a small fee will tally the change for you. Also save any leftover cash at the end of the week or from cash-paid jobs, such as babysitting, in your little bank.

Some banks offer checking accounts that automatically round up every time you use your debit card, and deposit the change into a savings account. Or, if you’re really organized, keep track yourself and transfer the extra change daily, weekly, or monthly.

2. Flexible Spending Account (FSA)

If your employer offers, take advantage of a Flexible Spending Account. This is money held from your paycheck pre-tax, every pay period. Any time you incur a medical expense (e.g. doctor’s office co-pay, prescription and over-the-counter medicines, contact solution, etc.), you can submit your receipts and get the money back. Some people choose to send in a receipt as soon as they get it. I’ve always preferred to hold on to my receipts, then submit several at once to receive a larger check. It’s especially convenient to do this once in the summer and once at the holidays.

3. Direct Deposit into Savings

Some employers who offer the Direct Deposit option for paychecks are able to split the deposit into two accounts. Set a goal for how much you can afford to set aside each pay period. Then have that amount deposited into a special account that is strictly designated for summer funds. If you set it up for the money to be directly deposited, you won’t have to remember to do it yourself. You’re also less tempted to spend it.

If your employer doesn’t provide such as option, set up an automatic transfer from your checking account to coincide with your payday.

4. Use PayPal as a Savings Account

If you are a writer, write for the various online websites, such as Associated Content, Helium, eHow, and Suite 101. As you receive your monthly payments, they are deposited into your PayPal account. Leave them alone. Over the course of several months, they will quickly add up.

If you have a lot of junk in your house that doesn’t seem to disappear at garage sales, try to sell it on eBay. eBay users also use PayPal accounts.

5. Budget plans

Keep your payments predictable. Sign up for the budget plans with your utility companies. Find the best fit with your cell phone and texting plans so that you aren’t going over. If you know what your bills are going to be in advance, it is easier to plan ahead.

6. Envelopes

Some of your bills, such as cable, rent/mortgage, and utilities are approximately the same every month. Set up an envelope for each bill for each month. Regularly deposit cash into each envelope. As you collect enough money in each envelope, seal it and store it in a safe place. As soon as the bill is due over the summer, take care of it.

7. Pay ahead.

Some companies, such as credit card companies, don’t want you to overpay so that you have a credit. Others, such as cable and cell phone companies, will allow you to create somewhat of a credit. Check with each company and pay ahead on all those that allow it.

Also, on occasion, you can make car and mortgage payments ahead. Speak with a representative of the company. Keep copious notes of whom you spoke with, date and time, amounts paid and for what, and get a confirmation number or receipt.

8. Defer payments

Sometimes you can defer monthly payments to a later date if you find yourself struggling. For example, with a car payment plan, you may be able to pay a small fee to postpone two monthly payments to the end of the loan period. It’s an option only available a few times over the life of the loan, so use it carefully. Check with your lender to see which options are available to you.

9. Home Equity Loan

Some teachers who do not get paid over the summer choose to take out a home equity loan for the summer months. With low interest rates they just pay interest over the summer, then pay back the principal over the school year. It also helps on taxes, as all interest paid is a deduction.

10. Tax Refund

Procrastination can help a little bit if you wait to get your taxes done. Remember to itemize and use the Educators credit if you have spent your own money on supplies. Claim no dependents on your paycheck, then claim them when filing for a larger refund. Some states have extra rebates (e.g. the STAR Rebate in New York state for homeowners) and sometimes the government is being generous with stimulus checks. Have the checks directly deposited into designated accounts for summer. Or transfer the money immediately when it arrives, and don’t touch it!

11. Stock up

Invest $50 in a used deep freezer. Start stocking it with frozen food in the spring. The Tops chain of grocery stores designates March as frozen food month, and offers deep discounts on frozen foods all month. Buy meat that has been reduced for quick sale, then label and freeze it as soon as you get home. Buy any necessities, such as toothpaste, deodorant, toilet paper, contact solution, when it is on sale and store it. Buy canned and boxed goods on sale and store them in the pantry.

12. Purchase gift cards

As a part of your regular grocery shopping routine, add a $20 gift card each time. Keep those gift cards in a safe place to be used over the summer to reduce your grocery bills.

Even though these techniques can’t fully replace that regular paycheck, you will find yourself breathing a little easier over those payless summer months. You will be able to have an extra good time!

Tags:12 Tips for Saving Money for the Summer

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