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Job Hunt Challenges for the Over 50 Crowd If you have just recently lost a job or maybe are not happy with the job you are currently holding, you are going to be on the hunt for a new job. Hunting for new job is never easy, whether it is your first or your tenth job. You know that it takes a good amount of preparation till you might hold another permanent job. But for the older crowd, especially the crowd over fifty, the challenge of finding a new job is even greater. Explore some of the facts why it is more challenging to find a job after 50. Starting out by the age factor, many companies want young and dynamic employees that are open to new and challenging tasks. Many employers believe that a person over 50 is set in his or her ways and therefore not able to tackle the same great tasks that might open up as a young, fresh out of college open minded person. A person over 50 is closer to retirement and might not want to take any risks as a young career fresh from school employee. Risks are sometimes what a company needs to get forward, new ideas, new thinking. Another reason is the salary competition. If you are over 50 and looking for another job, you most likely have a lot of experience in you sector. Experience usually is measured in money and the salary for an experienced person is generally higher than a starter salary. While experience is desired, some companies can just not afford to hire somebody for 10-20 thousand dollars more than they can get the fresh from college employee. If you lost your job, you might accept one of the lower salaries, but while you are in the application process, the human resource person reading your résumé does not have that information about you. Some of the bigger companies get scared by the fact that you are really close to retirement and if there are certain retirement plans and structure in place at a company, they might not want to hire you. You could retire within 10-15 years or less and then the company is stuck with paying you retirement payments. Hiring a younger person instead guarantees them no retirement payments or plans for retirement in general for the next 20-30 years. From the employer’s side, these are great savings for their pocket. Another reason often seen from employers as a reason not to hire a person over 50 is that the person they are hiring might be more prone to sickness and take more sick days than a young person. Why would they think that? Statistics have shown them that the tendency for time off due to sickness is greater for people crossing the age threshold of 50 years versus younger people. Be honest, being over 50 means for most people more aches and pains all over the body. You are more tired and get exhausted quicker. So if you do get a chance to go to an interview when looking for a new job, you need to make the best out of it. Besides all the factors mentioned above, a person that is over 50 and is looking for a job can be a great addition to any company and you need to make sure that you let your interviewer know that. An interview is a great challenge and can be mastered quite well if keeping these thoughts that employers have in mind. Emphasize the fact that you do bring experience and connections. Let them know that if they hire you, they get a person that at least is settled in life. You have had all your children, or did not want any, but at least you will not be missing because of pregnancy, birth of a child, and sickness of a young child or similar events.

Is That Free Offer Legit? Tips that Can Help Everyone loves the chance to cash in some great free stuff, but navigating the world of freebie offers, especially online, can be like navigating a minefield. Unfortunately, a lot of people out there use the love others have of taking advantage of free deals to scam them out of money or personal details that can be used in identity theft scams. All of this gloom and doom doesn’t mean that you have to give up on free things altogether, however. The good news is that there are some simple, common sense steps you can take protect yourself from online freebie scammers. These tips will help give you the confidence that you can enjoy taking advantage of free offers without the fear of ending up facing some negative consequences. First and foremost, when you are checking out a free offer on the Internet, take a closer look at the website, beyond just reading the words and figuring out what you have to do get the free goods. Does the website look like it was made by a professional, with some consideration, or does it look like a five minute amateur job? Are typos and clip art the order of the day, or does it look like a website any business would be proud to call its own? What about the web address – is a domain name that matches the business the website claims to represent, or is a “free” domain address that includes the name of the domain company in the address? All of these factors can be red flags that determine the difference between a scam and a legitimate free offer. If the website looks half hearted or doesn’t seem to exactly “match” the company it purports to represent, then don’t even think about trying to get anything from it. When you’re reasonably sure that the website is actually the front of a legitimate business, it’s time to turn your attention to the privacy policy of the website. The best privacy policies guarantee you that the email address you use to sign up for this offer will not be shared with any other companies – but when it comes to free stuff, those kinds of privacy policies are few and far between. Many companies cover the costs of the free things you get by selling your email address to other companies that may have offers you they think you might be interested in. If you can’t find a privacy policy that lets you opt out of getting unwanted solicitations, at least make sure the site is secure and that any personal information can’t be obtained by hackers. Other things to look out for when you’re looking for freebies is products that are free but that require you to pay a shipping charge that seems beyond the pale for what it should cost to ship and freebie offers that seem to ask for way more information than needed for what the product actually is. Twenty pages of personal information for a travel size bottle of shampoo? That doesn’t make sense, and it should set off warning bells in your head. All of these red flags aside, giving out some amount of personal information comes part and parcel with freebie offers. There are a few things you can do to make life easier on yourself. Set up an email account that you will use specifically for freebie offers so all of the inevitable spam doesn’t clog up your main account. Use a phony phone number (preferably one that can’t be anyone else’s, like one that starts with 555). Last but not least, if you’re unsure about an offer, keep on moving. Better safe than sorry.

Getting Paid to Work for Yourself: Writing Grants and Grants for Writers (grants for writers) Do you have a fantastic idea to improve the world? Are you frustrated because no one is addressing the issues that you know are important? Writing is a powerful tool that can bring change and improvement to the world. Grants are available from various sources in order to fund important work that is not being done in the corporate world. If you are inspired to make improvements and make life better, you may be an ideal candidate for grant writing. How Do Grants Work? Grants are sums of money awarded by the government or other entities to those who can use that money effectively. Candidates for grants are usually those who can serve their community with the money given to them. The way it works is that you start with an idea. Your idea could benefit your community in areas that range from tourism to health care. If you have the capabilities to implement your idea, you then decide how much money it would take to do so. At that point you begin to write. You must convince those with the grant money of why they should give it to you. The writing of the grant may be the most important step in the process of receiving that grant money. Writing a Grant Writing a grant is a very precise process. It involves explaining very clearly what your idea for improvement is as well as why it is a worthwhile pursuit. In the actual grant writing, you must be very clear in your explanations as well as persuasive in your arguments. You can find actual templates or set up guidelines online or in style handbooks. Those resources will help you ensure that you are following proper procedures in writing grants. Grants for writers are potential job opportunities. Since some brilliant minds do not necessarily have the appropriate writing talent, they may hire a writer to actually complete the grant proposal. Writers have more opportunities to enter into the grant writing process than just being the executer though. Is it Possible to Get Grants to Write? Grants for writers are definitely available. What would you write that would be worthy of a grant? There are many possibilities. You may be able to write a guidebook that fulfills a community need. A tourism guide would be of particular interest to the government. Keep in mind though, that only unfulfilled needs will merit grants. Grants for writers are not given to those who are writing redundantly on a topic or who are writing about an issue that no one cares about. You may be thinking that writing is free. Aside from the actual printing and publishing costs, there is no money required to produce text. Especially if you think of writing as opposed to creating a clean burning engine, the costs are not even comparable. The great thing is that even if you don’t need very much money to get the words on the page, there are grants available just to write you a paycheck. On top of any costs incurred through research and development of your ideas, you will also get paid should you be awarded grant money. There are two different meanings for the phrase, ‘grants for writers.’ A grant may need to be written by a qualified writer. The other possibility is that a writer could actually be awarded grant money for their contributions. Writing is a powerful tool. It can persuade and benefit people from where it sits on the page. For that reason, writers and grants are inseparable. If you have a great idea that needs funding, consider writing a grant. If you are not a writer yourself, be comforted by the fact that there is someone out there who can do the writing for you.