Guy Work

By Raul Levine

 When stocks are bullish - that is, when prices of the stock market in a steady rise - it is pretty easy for anyone to make money on Wall Street. Studies have any shown that in certain kinds of easy-money markets, novices did just as well as pros when it came to picking hot stocks and reaping fast profits. But the veterans of the stock market game say that the real test comes when there is a bear market and stocks fall into a general slump. Those who can make money under those conditions will gain the respect of even the most seasoned investors. But to do it requires patience, research, and discipline.

Picking the right stock for the economic climate is not impossible, however. One way to get a handle on which stocks will perform best during a bear market is to look at the overall picture of how the stock market behaves. Usually bull markets are periods that also see a strong manufacturing sector. Houses are built, cars are manufactured, and goods like appliances and clothes fly off the shelves. The companies that make and sell those consumer products do well, and those who buy their stock to share in that success drive stock prices higher. But when the party is over and inflation kicks in, we begin to budget our money. Sales volume declines, and many factory workers find themselves out of work as consumer demand slackens. As wages stagnate, so do purchases of high priced items like cars and homes, and this helps to accelerate the decline of the stock market.

But those who buy stocks that perform well even in this kind of economic recession - the stocks known as “recession-proof” stocks - can usually do relatively well, even during sluggish bear markets. Which stocks continue to reward shareholders in a recession? Generally speaking, those that are tied to fundamental basic necessities of life. We may not buy designer jeans and sports cars during a bear market, but we still buy heating oil and we still use electricity to light our offices and homes. So utility company stocks generally fare well during bear markets, as do companies that sell other basic commodities like gasoline. Gold and silver and other precious metals are also a good choice for a difficult stock market season, because when people are nervous about the future of the economy, they tend to invest in things of universal value, like gold. It provides a sense of security, because if all else fails to attract consumers, gold will still glitter and be considered an item of special value and significance. And if you buy gold before the bear market sets in, you can probably sell it for a profit once the demand for it increases.

In summary, stocks that provide a sense of stability and security through ownership of those basic necessities of life are usually a good place to invest during a bear market. And buying stocks whose prices have fallen to bargain basement prices is also a smart strategy. Many perfectly good stocks with underlying value and strong earnings get dumped when people pull their investments away from the stock market en masse. Those who are patient can buy these at wholesale or below wholesale prices, and then watch their purchases rise in value once others realize that these stocks are good buys. When the stock market begins to climb again, those stocks that are undervalued will rise quickly and you will be left holding winners that you bought at deeply discounted prices.

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The Golden Rule and the Workplace

By Josiah Walter

 As much as employers complain of the difficulty finding good employees, few have embraced a formula that assures success. The greater the difficulty finding good employees in your industry, or certain positions within that industry, the greater the need to view the relationship as a partnership. With these employees observe the Golden Rule, treat them as you expect to be treated. If you extend this principle to compensation, weighing what you’d hope to receive in their positions at the expense of some of your profits, you’ll see the problem disappear.

But aren’t employees with skill sets more common entitled to their share of the Golden Rule, partially setting issues of compensation aside. After all, the complaint that good employees are scarce extends throughout the economy. Shouldn’t the relationship between employer and employee be similar to that of customer and supplier? It’s an even exchange, work for pay. Do we unthinkingly accept that the employer has something people want, jobs, therefore their position is superior. If this is truly the way things are, then employers should stop complaining about difficulty finding good employees. It would logically follow from this that there is an overabundance of good employees. But employers need good employees as much as people need jobs. So let’s stop the fiction that they’re practically performing an act of charity when they make a hire.

But this reality of mutual need is blurred before you even summit a resume’. Ads frequently state, drug test required. There are public policy reasons for some of this, depending on the industry, and the Government has viewed this as a part of its war on drugs for some time. However, often the employer will force you to take a drug screen as a condition of employment without justification. If nothing in your past indicates drug use or abuse, drug screens should be reserved for behaviors on the job that indicate a potential problem. But what of the training costs you ask. We don’t want to devote those resources to someone only to find out months later he or she is a drug abuser. Ok. I’ll accept that without argument..

But you, the employee, has probably left a job to accept this new position. In keeping with my thesis that the relationship is mutually imperative to each party, wouldn’t it be nice if you knew before leaving your current job that the boss wouldn’t be subject to fits of erratic outbursts. The results of the test determine whether or not the employer wants you on the team, wouldn’t a clean sample provided by the boss make an employment offer more attractive? You could put your mind at ease over mercurial behavior that would make your work life miserable. Besides, a boss with psychological problems can create more havoc in your life than the reverse.

This thought came to me while I was working for a family who were all subject to terrible mood swings. Screaming and yelling would be followed by an arm around the shoulder in the blink of an eye. One day I received a list of the psychotropic medications prescribed to the patients in the facility. The person in the office next to mine came to see what had caused my outburst of laughter. After dismissing it as nothing, I felt the satisfaction you gain when a mystery dissolves. At the bottom of the list were the names of the owners, obviously receiving their prescriptions from the doctor in residence, who was of course in their employ. The mood altering drugs prescribed to them, many anti-anxiety, were far above what any of the other patients received, and this was a facility with a large psychiatric population. After consulting the PDR, I wondered how they maintained verticality during the day. Evidently they had developed a tolerance for those pills, but for little else. Is this situation out of the ordinary? Probably. But I’d like to see some data indicating employees are statistically more prone to drug abuse than their managers before accepting the current state of affairs as reasonable.

Psychological testing, popular with some employers, should be mutual as well. I’ve known my share of managers who insisted you share their roller coaster of emotions, without presenting a ticket during the interview.

Finally, this insistence that we negate the strict mutuality of the employer-employee relationship, illustrates something that’s always puzzled me while reading HR advice in the trades. It is often stressed that a potential employee should be scrupulously honest while interviewing for a position. Sounds reasonable. But if they’re advising employers to do the same, I’ve missed those articles. How often have you found the organization to be as advertised after a short while on the job? I once had 2 people, an HR Manager and Assistant Administrator, tell me on my first day, after leaving a position I’d be in a considerable number of years, that it was their way or the highway. During the interviewing process, they were falling all over themselves to convince me to join the ranks. It was obvious within my first week that much of their presentation had been a lie. I’m sure had I been provided with psychological profiles or urine samples of the duo beforehand, I would have declined the offer. But of course, they had a right to see mine, while I only had the right to hope for the best.

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Is Working at Home Legitimate?

By Josiah Walter

 You hear a lot about people making a lot of money working some MLM opportunity but the only problem with these are that you need to make an investment and you have to know a lot of people. I have a guaranteed income each month that covers my rent but I’m at home all the time and not earning any additional money. When my wife and i first arrived in Brunswick we applied at a lot of local businesses but the problem being is that at the present moment we only have one car between us.

I had signed up with Guru over a year ago but pretty much never had pursued it. Guru is a site that says you can make bids on freelance work. The only problem is that you can only have one active profile at a time. With Careerbuilder you can apply for retail sales positions, telemarketing positions, and whatever else gets your fancy. You can do all of this without limitation. I did receive an invitation in some junk mail last week about a low cost trial for a freelance site and i signed up and responded to as many ads as I qualified for.

I got zero replies so I canceled my membership. Otherwise it would have automatically charged my credit card for a full months membership and since I got nothing from the trial i was not about to keep the service. I then did some searches on the Net for articles about freelance, work-at-home jobs, telecommuting, etc. What I learned is that there are a lot of sites that will only give you the right information if you pay a membership fee. These sites are making money off of anybody who signs up but I almost guarantee that none of the members are actually getting and work from these sites.

I spent the day yesterday visiting any freelance work site that didn’t charge any fees up front. They may try to get you to sign up for additional services which have a cost but to look at and reply to jobs cost you nothing. Most of the responses i received though were from people trying to get me into some Biz Opp. Or only offering a job where your only compensation is commission after the sale is made.

I have tried commission only work in the past and at first you are all hyped up about the work. This is the same if you have ever signed up for one of theses MLM companies. After a while you get fed up when you find that you were the only person to get really excited about a certain product or Biz. The recruiter’s for these opportunities are very good about getting you all excited about the possible money you can make.

I did respond to this one ad that went like this;

Make $500 to $1000 a day Just by Returning Calls.

Not MLM, No Selling, No Inventory, no Start up

It gave an email address that I replied to and today i received a phone call about it. The lady asked me a few questions like could i follow a specific business plan and after i responded positively she told me to call a certain number at 3:00 PM today. I called the number which was a conference call and you could hear all these other people on the phone talking about how they were now making six figures a year from this. Some of the people said that they used to be Police Officers, Teachers, Lawyers, and managers from other industries. What it all boiled down to was the reason they got you to make this call is because they wanted you to hear all the excitement from the other people which would then get you excited. For a $3500 Pledge you would then get other people that would pay the same pledge placed underneath you. You had to advertise the prewritten ad and call anybody who responded.

To me this is like the old chain letter schemes but instead of getting an envelope in the mail you got an email. No product, no ebooks, no trials to anything. All you got was the satisfaction of parting with your money. They told me that if I didn’t have the money to go a head and borrow it from somebody. There are so many of these programs out there on the Internet and it never ceases to amaze me how people can actually sleep at night after they have convinced other people to part with their hard earned money. I call these things Scams. No other way to look at it.

Now, i have found that there are some legitimate telework jobs out there. These are opportunities to work on the telephone from your home and actually get paid an hourly wage. I have received some emails today from a few of these companies and I have filled out their applications and gone through their training. The ball is now in their court but if these jobs end up not working out believe me I will not keep this bottled up inside me.

I have come to the realization that you need to stick with sites like Craigslist, Careerbuilder, and Monster and in the search box use keywords like Virtual Employee, freelance, virtual call center, work-at-home call center, or remote employee. Now there are some services out their that will post what you are looking for on a lot of job boards and this is fine if you have the extra money but please be careful with your money.

When you do a search on a site like Google or Yahoo the results that show up first in a box are paid listings. I am under the assumption that these results are MLM or some other type of Biz opp. Remember, any site that is charging a fee is probably only making money by charging you that fee. Guru at least lets you to bid on 10 jobs per month without paying anything. I am giving some though to creating a job board where freelancers will post their portfolio and a company that has a job would then look at thesite for a freelance person. The only money I would make would be from something like Google Adsense or by becoming an Amazon affiliate and letting them suggest books based on a persons search.

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