VOLUMEGUIDE 2

Buy, download and read BrandChild ebook online in EPUB or PDF format for iPhone, iPad, Android, Computer and Mobile readers. Author: Martin Lindstrom. ISBN: 9780749447113. Publisher: Kogan Page. Praise and Reviews ‘This is a must read book… Lindstrom provides fascinating stories taking you into the mental and emotional life of this new generation…’- Philip Kotler, S C Johnson & Sons D

Source: BrandChild (ebook) by Martin Lindstrom

What To Consider When You No Longer Have A Job

Figuring out how to manage your money is tough enough when you’ve got a job, but whole new dimensions of management worries appear when you lose your job. There are several notions to consider immediately following the loss of a job that may help to save money and ease the burden.

Your Last Check

Your former employer likely still owes you money, whether it’s the last paycheck from a lag payroll, a severance package based on an employment contract, a sales commission still due to you or an unpaid bonus. Find out the amount of money you are owed, and the date and time that money will be sent to you or transferred to your bank account. Have a contact person within your former employment’s Human Resources in the event the money does not arrive on time.

Income Insurance

Check to see if you signed up over the last few years with a bank, credit card company or insurance agent for one or more of these insurance policies:

• Payment protection, usually in conjunction with a mortgage, installment loan or credit card balance
• Long-term income protection
• Short-term protection from income loss

All three make payments to you or to your debtors if you lose your primary source of income. Find out how to make a claim and do so immediately. Even though there will be a waiting period before payments can be made, it’s a good idea to submit the claim as soon as possible.

Unemployment Benefits

Apply right away. Every state in the United States provides some form of unemployment benefit payable to you when you lose your job. The program is funded by each individual state in conjunction with the federal government. Eligibility rules will vary from state to state, but, at the very least, you should be able to get at least 26 weekly payments based on your most recent income level. Be aware that unemployment benefits might be determined to be taxable as income. Extended benefits may be available during times of national fiscal crisis.

COBRA Rights

Though the United States health insurance system may be in turmoil now and for the next few years, there’s still COBRA, the means by which the health insurance you had with your company can be continued while you’re unemployed. COBRA stands for the Consolidated Omnibus Budget Reconciliation Act of 1986. The company you were previously employed with must have at least 20 employees for you to be eligible. You are not required to take the COBRA plan, so compare the cost of the other health insurance options you have against the COBRA payments.

A New Budget

Now that your income has changed, you may want to re-evaluate how you manage your money and perhaps look to adopt new saving strategies. Expenses such as mortgage payments, rent, insurance and utilities are required payments. Most of these required payments can be negotiated to result in easier payment schedules, or reduced interest. In order to save money and budget , you should consider all other expenses as items that you can substantially reduce or cut out completely.

Sometimes losing your job can make it seem like the world is coming to an end but it shouldn’t be seen as such a negative thing. Instead, think of the loss of a job as a new beginning, and a way to find another job or career that can be more fulfilling and rewarding.      http://www.freemoney.com/how-to-manage-your-money-just-lost-job/

Most people really loose it when the boss say, ” We’re going to have to let you go.”

Just know that it’s not the end of the world. Here in this article are some great tips to help you keep your head on straight.

No need to be depressed
HE made everything!

Minimum Wage $10.10
Really, is this enough or should we just try to take care of a household with this. To me this just a start of another headache trying to figure out what bill gets paid and which one waits until the next paycheck. Knowing that the next paycheck will not be enough your life goes into a loop. Some households have single parents, with the law of state and federal minimum wage, what if and or buts do you have?

Well, my most fearful moment is grocery shopping, yes grocery shopping. I don’t promote fear because I’m a Christian just so you’ll know God didn’t give me a spirit of fear, but of power, love and a sound mind.

Entering most grocery stores the produce department is first. Looking right at this large amount of different kinds of white potatoes, I had to pick a bag that could make baked potatoes, mashed potatoes, and then French fries for five at three different meals. A bag of Granny Smith apples, these will help me bring a little flavor to my tuna salad and tossed salads, a six pack of tomatoes, that will go good in salads and on hamburgers, green bell peppers they have a lot of good flavor, and 4 kiwi fruit. After Produce the whole store awaits my decisions only to get to the scariest part, the check-out counter. $216.76 this is the scary part.
What is your most fearful moment?

Last Sunday at church we begun a new series on BLOOM, meaning that no matter where you are in life you can began again. There were so many people in the bible that God had given fresh starts and new beginnings: Moses, Peter, Rahab, David and now me and you.
*WE ARE GOD’S FLOWER
We are not stuck in life; it’s never too late to begin again.
This Sunday Pastor Scott talked about new beginnings start when you take a step, the first step through the power of the Holy Spirit. He quoted DR. Martin Luther King JR. “Take the first step in faith. You don’t have to see the whole stair case, just take the first step.”
Then he gave us; 4 Steps to make today different from yesterday, I’ll paraphrase them as best I can.
1. We are to make up our own minds to bloom again. 2 Corinthians 10:5
2. When we praise God, it’s a form of blooming. Acts 16:25-26
3. Let God take over, when you bloom and how you bloom. Job 8:8-13
4. Have a new season not determined by the last. Jesus offered the woman in adultery a new beginning. John 8:1-11

Its summer and it’s hot, but do you know who invented the air conditioner?
Anytime you see a truck on the highway transporting refrigerated or frozen food, you’re seeing the work of Frederick McKinley Jones.

One of the most prolific Black inventors ever, Jones patented more than 60 inventions in his lifetime. While more than 40 of those patents were in the field of refrigeration, Jones is most famous for inventing an automatic refrigeration system for long haul trucks and railroad cars.

Before Jones’ invention, the only way to keep food cool in trucks was to load them with ice. Jones was inspired to invent the system after talking with a truck driver who lost his whole cargo of chicken because he couldn’t reach his destination before the ice melted. As a solution, the African-American inventor developed a roof-mounted cooling system to make sure food stayed fresh.

In addition to that refrigerator invention, Jones also invented an air-conditioning unit for military field hospitals, a refrigerator for military field kitchens, a self-starting gas engine, a series of devices for movie projectors and box-office equipment that gave tickets and made change. Jones was posthumously awarded the National Medal of Technology in 1991 – the first Black inventor to ever receive such an honor.
reference: http://www.black-inventor.com/Frederick-McKinley-Jones.asp

How can you behold the beauty of the sky, that appears in your eye, unless you receive?

How can you handle the joy, that God has promised, and stop feeling blue, unless you receive?

How can you care about  all the things others have to share, unless you receive?

How can you cherish our love, unless we fit like hand and glove, unless you receive?

It is in God that we live, because He is so willing to give. ALL WE CAN RECEIVE.

Ida Hamner