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Thursday, August 16, 2012
Thursday, July 12, 2012
Avoiding Identity Theft
As identity thieves become more of a threat to individuals and businesses, many people wish they had someone-or something-to watch over and guard their valuable financial information.
While most consumers can't afford a financial bodyguard, many are taking advantage of a real-time identity management service that can potentially avert identity crimes.
I consider one service, Identity Sweep, developed with MyPublic Info (MyPublicInfo.com) and Affinion Group (www.affiniongroup .com), a leader in credit monitoring and identity theft, to be more proactive than any other. It may be the consumer's best chance at avoiding identity-related criminal abuse. Identity Sweep protects consumer identities in three ways:
1. It includes a leading-edge identity fraud detection technology that scans billions of public records for suspicious activity associated with identity fraud, including attempts to create a synthetic identity. The service analyzes the suspicious activity to provide a risk score.
2. It searches Internet newsgroups, search engines, blogs and hundreds of thousands of chat rooms and Web sites looking for personal and financial information. It instantly notifies consumers by e-mail of any suspicious activity related to their personal information before the customer is victimized. This technology works faster than credit card and credit bureau monitoring services.
3. It scans online directories that list a consumer's information and requests removal of that information to prevent abuse by telemarketers and identity thieves.
While most consumers can't afford a financial bodyguard, many are taking advantage of a real-time identity management service that can potentially avert identity crimes.
I consider one service, Identity Sweep, developed with MyPublic Info (MyPublicInfo.com) and Affinion Group (www.affiniongroup .com), a leader in credit monitoring and identity theft, to be more proactive than any other. It may be the consumer's best chance at avoiding identity-related criminal abuse. Identity Sweep protects consumer identities in three ways:
1. It includes a leading-edge identity fraud detection technology that scans billions of public records for suspicious activity associated with identity fraud, including attempts to create a synthetic identity. The service analyzes the suspicious activity to provide a risk score.
2. It searches Internet newsgroups, search engines, blogs and hundreds of thousands of chat rooms and Web sites looking for personal and financial information. It instantly notifies consumers by e-mail of any suspicious activity related to their personal information before the customer is victimized. This technology works faster than credit card and credit bureau monitoring services.
3. It scans online directories that list a consumer's information and requests removal of that information to prevent abuse by telemarketers and identity thieves.
Mney Saving Exercise
There is a simple money saving exercise that everyone should do at least once in their lives. It is ultimately one of the best ways to save money, because it is not about pinching pennies, but about discovering what you really want and getting it. It is so simple you may hesitate to try it. Just try it. Here it is:
List everything that you have spent money on, are currently spending money on, or might spend money on.
Don't just read this and think of a few things. Take the time to actually write it all down. Review your bank statements if you have to, in order to remember and include everything.
Now go through the list, and carefully consider each item. Take the most time on the big items - past, present and future possibilities. If your timeshare on the beach is worth half what you paid, costs $1,000 per year in expenses, and is rarely used, you need to learn from that - not to punish yourself, but to have a richer life.
If you think honestly about the number of times you will use that Recreational Vehicle, and the cost, it may be $250 for each day of use. That's okay if that is worth it to you, but maybe you really would enjoy $100 hotels more. Or maybe you can rent an RV for less overall cost, thus freeing up money for other important goals.
You see, saving money isn't about sacrifice. We all are aware of the scrooges in life that pinch their pennies, bank the savings, and then do nothing with it. The point should be to save money in one area of life so you can use it in ways that make your whole life richer.
Suppose you notice you're spending $8 per month on subscriptions to magazine you don't read, or on insurance for a motorcycle you almost never ride? Cancel the subscriptions or sell the
motorcycle, and what have you lost? Is it a big deal? What will that $8 get you instead?
- Bank it for ten years, and use the $1200 to take a second honeymoon.
- Use it to pay for a day off work once a year, to spend with the kids.
- Invest it, to have an extra $50 per month during your retirement years.
- Buy six good books a year, to learn something new.
- Make banana splits for the family once a month.
- Give $100 per year to a worthy cause.
$8 per month can do a lot if used wisely. Imagine what you could do if you stopped wasting $200 per month. That's why it is so important to discover what you really want - and what you don't want. This is one of the most intelligent ways to save money.
List everything that you have spent money on, are currently spending money on, or might spend money on.
Don't just read this and think of a few things. Take the time to actually write it all down. Review your bank statements if you have to, in order to remember and include everything.
Now go through the list, and carefully consider each item. Take the most time on the big items - past, present and future possibilities. If your timeshare on the beach is worth half what you paid, costs $1,000 per year in expenses, and is rarely used, you need to learn from that - not to punish yourself, but to have a richer life.
If you think honestly about the number of times you will use that Recreational Vehicle, and the cost, it may be $250 for each day of use. That's okay if that is worth it to you, but maybe you really would enjoy $100 hotels more. Or maybe you can rent an RV for less overall cost, thus freeing up money for other important goals.
You see, saving money isn't about sacrifice. We all are aware of the scrooges in life that pinch their pennies, bank the savings, and then do nothing with it. The point should be to save money in one area of life so you can use it in ways that make your whole life richer.
Suppose you notice you're spending $8 per month on subscriptions to magazine you don't read, or on insurance for a motorcycle you almost never ride? Cancel the subscriptions or sell the
motorcycle, and what have you lost? Is it a big deal? What will that $8 get you instead?
- Bank it for ten years, and use the $1200 to take a second honeymoon.
- Use it to pay for a day off work once a year, to spend with the kids.
- Invest it, to have an extra $50 per month during your retirement years.
- Buy six good books a year, to learn something new.
- Make banana splits for the family once a month.
- Give $100 per year to a worthy cause.
$8 per month can do a lot if used wisely. Imagine what you could do if you stopped wasting $200 per month. That's why it is so important to discover what you really want - and what you don't want. This is one of the most intelligent ways to save money.
Guide to Accounting Software
Computer software that helps in processing various financial transactions, recording them, and presenting them in the form of a report is know as accounting software. There are several functional modules in accounting software.
Organizations operating on a large scale prefer to develop such software within their organizations so that it suits their needs. However, there is no need to worry for the small-scale or middle-level entrepreneur who cannot afford to develop in-house software. There is no dearth of accounting software on the market. The price range is wide, and most of the good accounting software is easily affordable for even a sole proprietor. They are easy to operate and one does not need to be a computer genius. This software generally comes with “how to" information. They are quite user friendly. In fact, you might not feel the need to keep paying your part-time accountant once you start using accounting software.
There is also complex accounting software that is generally used by the government and large organizations. Such complex software can be operated by trained professionals only. One of the major benefits of accounting software is that it can not only help the organizations in computing their income, revenues, profits, or losses over a period of time, but they can also help the individuals in computing their tax liabilities. This is especially true if they have multiple sources of income.
A number of firms also provide accounting software online. You can easily download it by paying a nominal fee. Some websites also offer such software for free. It is advisable that once you have decided to use accounting software, the first thing you should do is to use it on a trial basis and check for loopholes or any problems that might be there.
Organizations operating on a large scale prefer to develop such software within their organizations so that it suits their needs. However, there is no need to worry for the small-scale or middle-level entrepreneur who cannot afford to develop in-house software. There is no dearth of accounting software on the market. The price range is wide, and most of the good accounting software is easily affordable for even a sole proprietor. They are easy to operate and one does not need to be a computer genius. This software generally comes with “how to" information. They are quite user friendly. In fact, you might not feel the need to keep paying your part-time accountant once you start using accounting software.
There is also complex accounting software that is generally used by the government and large organizations. Such complex software can be operated by trained professionals only. One of the major benefits of accounting software is that it can not only help the organizations in computing their income, revenues, profits, or losses over a period of time, but they can also help the individuals in computing their tax liabilities. This is especially true if they have multiple sources of income.
A number of firms also provide accounting software online. You can easily download it by paying a nominal fee. Some websites also offer such software for free. It is advisable that once you have decided to use accounting software, the first thing you should do is to use it on a trial basis and check for loopholes or any problems that might be there.
College Student and Money
Financial success may come in different forms. Financial success does not only mean that you are financially independent, or you have been able to make thousands of dollars off the stock market. To be financially successful, may mean making sure by the time you graduate from college, you are not in debt or worse off than you started.
As essential as it is to secure a part-time job to support your personal wants, you must be aware of the “hidden regressors” that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it’s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn’t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.
Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!
Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.
Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can’t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.
To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The “broke college student” has the ability to be financially successful, if means are taking to save more and use credit wisely.
As essential as it is to secure a part-time job to support your personal wants, you must be aware of the “hidden regressors” that come uninvited. Your first check in the mail, brings you to some degree, some feeling of accomplishment. Your adult life is just beginning, where you see the value of getting paid for work done. It goes without say that it’s at that time where you start to take on additional responsibilities. The importance of communication and being able to be reached wherever and whenever, prompts you to procure a wireless. The apparent need of getting to and from your job incurs the cost of driving insurance, gas and all other related transportation expenses. Indubitably, acquiring a job doesn’t always mean money inflow; it creates a path for money outflow. One needs to be prepared for the unexpected and the ability to be financially successful.
Credit cards: a friend or a foe? When the due date for bills draw nigh, and the checks are not coming in as often as you would have expected, many students feel pressured to use credit cards as a means of a short-term loan. This method where you plan on immediate repayment is not harmful; however, many students misconstrue that credit cards are an invention to make college life luxurious and comfortable. Wrong!
Saving is sometimes barely doable for some students, since they end up owing money to all these credit card companies. Our system is designed so that without good credit, one is limited from doing a lot of things. It is thus sagacious if we use our credit cards wisely. Use credit cards for things you know will definitely bring you a return. For example, use your credit cards to buy gas to take you to work. When you decide to use your credit cards to buy all the possible clothes on sale; and the purchase is backed by the conviction of repayment after you graduate, put the credit card back in your book bag.
Credit cards can either make you or unmake you; this is because if you use them wisely, once you graduate, it will be easier to get a loan for a new car or a lower security deposit on that new apartment. For the college students that work, there is always a possibility of saving your money, even if you can’t save a lot; you can still save a little. Try to research online, for banks that offer high interest rates on their savings account. The proliferation of online savings accounts has undeniably increased the interest rates, and thus the potential to earn more on your savings.
To be financially successful means to be free from debt, in the college perspective it is to try to avoid a post-graduation debt. The “broke college student” has the ability to be financially successful, if means are taking to save more and use credit wisely.
What's a Personal Loan??
Sometimes you need extra money for unexpected expenses like car repairs, unexpected bills, health expenses, school expenses, or a myriad of other reasons. Where do you go to get money for these unplanned expenses? Personal loans are available from many different companies and lenders for consumers today whether you have good or bad credit.
Your first place to try to get a personal loan is from a bank or credit union. Many times, they can offer you a loan based on your credit record. Personal loans from a bank or credit union usually do not have collateral attached to them and they are loans based on your name and credit record. Banks and credit unions are a great place to go for a personal loan if you have comparatively good credit.
Another place that you can get a personal loan is from a personal loan company. There are many of these places that will give you a loan. They usually need you to list some sort of collateral, but if you have a job and a consistent home, then they will normally approve you. This is a good option if you cannot get a loan at a bank or credit union but you need to be a smart consumer and ask questions before signing any loan papers. You need to know the interest rate, the length of the loan, and the monthly or weekly payment amount. Make sure that you can meet the requirements of the loan or you will end up in a worsened financial situation.
There are other options available if the above two choice do not work out. You can take items from your home to a pawnshop to get a loan. This will be a higher interest rate, but if you do not have any other options, this is a good choice. A car title loan is an option, but you need to keep in mind that you will lose your car if you do not make timely payments. A payday loan company is also an option but you need to be sure that you understand the terms of the loan. You need to understand the terms of any loan that you take out to make sure that you can make the payments and pay the loan off. Some of these options are a last resort, but if you need the money for a necessity, it may be your only choice. Just be sure that you go into the loan process knowledgeable about the details of the loan.
There are times in your life that you will need extra money for unexpected or unplanned expenses. It is always best to plan ahead and have a savings account for these expenses, but sometimes it is just not possible. If you do not have any other options, then you may have to take out a loan to cover these expenses. Getting a personal loan can be stressful and difficult at times, but if you do your research and know what you are getting into, then you are sure to be satisfied with the result!
Your first place to try to get a personal loan is from a bank or credit union. Many times, they can offer you a loan based on your credit record. Personal loans from a bank or credit union usually do not have collateral attached to them and they are loans based on your name and credit record. Banks and credit unions are a great place to go for a personal loan if you have comparatively good credit.
Another place that you can get a personal loan is from a personal loan company. There are many of these places that will give you a loan. They usually need you to list some sort of collateral, but if you have a job and a consistent home, then they will normally approve you. This is a good option if you cannot get a loan at a bank or credit union but you need to be a smart consumer and ask questions before signing any loan papers. You need to know the interest rate, the length of the loan, and the monthly or weekly payment amount. Make sure that you can meet the requirements of the loan or you will end up in a worsened financial situation.
There are other options available if the above two choice do not work out. You can take items from your home to a pawnshop to get a loan. This will be a higher interest rate, but if you do not have any other options, this is a good choice. A car title loan is an option, but you need to keep in mind that you will lose your car if you do not make timely payments. A payday loan company is also an option but you need to be sure that you understand the terms of the loan. You need to understand the terms of any loan that you take out to make sure that you can make the payments and pay the loan off. Some of these options are a last resort, but if you need the money for a necessity, it may be your only choice. Just be sure that you go into the loan process knowledgeable about the details of the loan.
There are times in your life that you will need extra money for unexpected or unplanned expenses. It is always best to plan ahead and have a savings account for these expenses, but sometimes it is just not possible. If you do not have any other options, then you may have to take out a loan to cover these expenses. Getting a personal loan can be stressful and difficult at times, but if you do your research and know what you are getting into, then you are sure to be satisfied with the result!
What's a 401k?
What's a 401k???
You're a computer engineer, or a nurse, or a graphic designer. Just keeping current in your own specialty is an effort. So what happens to your 401(k) retirement plan while you're off doing what you do?
Does it just languish, forgotten, in some dusty corner of your mind? Are you, among millions of others, crossing your fingers and hoping your portfolio will provide?
Thanks to changes in the industry, investors now can get more help managing their 401(k) accounts. In the past, to prevent conflicts of interest, defined contribution plan providers could make only general asset class recommendations. But regulations now allow financial service companies to hire independent, third-party financial advisers like Ibbotson Associates to manage individual investors' 401(k) accounts.
Those who choose professional help will find that the money in their portfolio will be allocated appropriately to funds in their existing plan, rebalanced regularly and adjusted over time to meet changing life circumstances. And these programs are catching on.
Ibbotson is the independent third-party advisor for 401(k) managed account programs run by AIG VALIC, Fidelity, Great-West Retirement Services, Merrill Lynch, the Principal Financial Group and TIAA-CREF. Although 401(k) managed accounts are only two years old, participation in such programs is increasing rapidly. Currently there is over $10 billion in 401(k) managed account programs, and that number is expected to reach $300 billion in 2010, according to industry research firm TowerGroup.
A major reason for the growth is that many employees don't know how to manage their retirement plans. Human resources firm Hewitt Associates found that only 16 percent of 401(k) plan participants made any changes to their accounts in 2004. The study also found that, while some employees were not aggressive enough with their investments, others took on too much risk. For example, participants concentrated about 27 percent of their 401(k) assets in their company stock.
Wednesday, May 12, 2010
Tips For The Career Woman
When a wife and/or mother decides to seek a career, she chooses to walk a very tight rope. Success or failure in both or either will depend on how well she plans. Carrying out those plans is crucial, however, and it is never easy. Many women do succeed at both, and the following tips may help those who have set such a course for their lives.
Self-Confidence
Impeccable personal grooming and a pleasing demeanor are important components of self-confidence. If a woman is not convinced that she deserves success, she will never achieve it; and conveying her confidence in herself is essential if she is to move up the success ladder.
Self-confidence can take a woman far, especially in a difficult work environment. If a woman is confident in her own capabilities and skills, she is much more likely to promote her own accomplishments and refine her skills for a brighter future.
Hone Your Skills
Once you know what your goals are, it’s time to start working on the things that will make it possible to attain them. For example, you must determine how to continue to learn new skills and improve old ones. The ability to interact with clients and fellow-employees is valued by employers and will aid in your upward climb.
Education
The most effective advantage that any woman can have is her education. She should always take advantage of every opportunity that comes along to gain more education and to enhance already-existing knowledge by keeping up with current developments through trade publications, conferences, and professional courses.
Once you have your education in hand, don’t just sit on them – make them known to your employer. This goes double for any executive-level or graduate degrees that you may have earned.
Far too many women have stellar educational records, but keep them to themselves. The fact is that you need to make your accomplishments public. This isn’t bragging – it’s being smart and savvy about advancing your career.
Focus On Your Strengths
When it comes to your career, your focus should be on a particular area and you should concentrate on developing your skills in it. Enjoy your work, find your specialty and talents, and work on them, keeping your knowledge as the base.
The person who is unable to work to their greatest capacity is not a professional; instead, she is just an employee working for a salary. Always remember that you can never excel in a field that does not hold your interest and that you don’t have a passion for.
Enthusiasm is the foundation for all your achievements; and you will not be able to pass on your enthusiasm unless you feel it yourself.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
Self-Confidence
Impeccable personal grooming and a pleasing demeanor are important components of self-confidence. If a woman is not convinced that she deserves success, she will never achieve it; and conveying her confidence in herself is essential if she is to move up the success ladder.
Self-confidence can take a woman far, especially in a difficult work environment. If a woman is confident in her own capabilities and skills, she is much more likely to promote her own accomplishments and refine her skills for a brighter future.
Hone Your Skills
Once you know what your goals are, it’s time to start working on the things that will make it possible to attain them. For example, you must determine how to continue to learn new skills and improve old ones. The ability to interact with clients and fellow-employees is valued by employers and will aid in your upward climb.
Education
The most effective advantage that any woman can have is her education. She should always take advantage of every opportunity that comes along to gain more education and to enhance already-existing knowledge by keeping up with current developments through trade publications, conferences, and professional courses.
Once you have your education in hand, don’t just sit on them – make them known to your employer. This goes double for any executive-level or graduate degrees that you may have earned.
Far too many women have stellar educational records, but keep them to themselves. The fact is that you need to make your accomplishments public. This isn’t bragging – it’s being smart and savvy about advancing your career.
Focus On Your Strengths
When it comes to your career, your focus should be on a particular area and you should concentrate on developing your skills in it. Enjoy your work, find your specialty and talents, and work on them, keeping your knowledge as the base.
The person who is unable to work to their greatest capacity is not a professional; instead, she is just an employee working for a salary. Always remember that you can never excel in a field that does not hold your interest and that you don’t have a passion for.
Enthusiasm is the foundation for all your achievements; and you will not be able to pass on your enthusiasm unless you feel it yourself.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
Healthy Career Habits You Should Always Maintain
Passion
Interest in and passion for your work is the best foundation for success. Monotony can keep you stuck in a profession for all the wrong reasons. Passion for your work will drive you to do your best and more. If you don’t have it, you will tend to accept the comfort of routine till it’s too late.
When boredom sets in, it will only lead to stagnation and a dull future.
Develop Your Skills
When you accept change, whether in your career or personal life, you open the door to learning new things under fresh circumstances. There is opportunity for improvement and development in any new job; the potential for a new future opens up.
Try to develop your skills while you are also improving those you already have. If you change and improve, you make a positive impression on those around you – and the appreciation of your employer can drive you to do better.
Meet Challenges Head On
Challenges should be welcomed; a lot can be learned from meeting them with a positive attitude. Learning is a continuous process, and there should be no limitations to the skills that you can acquire.
There are numerous ways that you can keep yourself up-to-date and ahead of your colleagues, and this will give you the advantage over others who fail to do so.
Never Stop Learning
As a professional, you should never miss an opportunity to learn. Contrary to popular belief, you don’t stop learning new things just because you’ve reached a certain position in life.
Make the best of training programs, information available on the Internet, and courses. Every situation and assignment should be looked on as a step for self-improvement.
Keeping yourself updated is a key to success.
Maintain Professional Relationships
You need to maintain professional relationships to ensure smooth functioning in your job – and to ensure that you can get support and assistance when you need it. Important connections and contacts can come in handy at the right time.
Also, maintaining positive relationships with immediate colleagues is essential to maintaining a healthy working environment.
Try to keep up with the latest technology – always a valuable skill that will be useful wherever you go. Taking the time to learn and be at ease with computers, a necessity these days, will help you in your career.
In your career, your aim should be to become indispensable to management; you want them to consider you to be an asset to the company.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
Interest in and passion for your work is the best foundation for success. Monotony can keep you stuck in a profession for all the wrong reasons. Passion for your work will drive you to do your best and more. If you don’t have it, you will tend to accept the comfort of routine till it’s too late.
When boredom sets in, it will only lead to stagnation and a dull future.
Develop Your Skills
When you accept change, whether in your career or personal life, you open the door to learning new things under fresh circumstances. There is opportunity for improvement and development in any new job; the potential for a new future opens up.
Try to develop your skills while you are also improving those you already have. If you change and improve, you make a positive impression on those around you – and the appreciation of your employer can drive you to do better.
Meet Challenges Head On
Challenges should be welcomed; a lot can be learned from meeting them with a positive attitude. Learning is a continuous process, and there should be no limitations to the skills that you can acquire.
There are numerous ways that you can keep yourself up-to-date and ahead of your colleagues, and this will give you the advantage over others who fail to do so.
Never Stop Learning
As a professional, you should never miss an opportunity to learn. Contrary to popular belief, you don’t stop learning new things just because you’ve reached a certain position in life.
Make the best of training programs, information available on the Internet, and courses. Every situation and assignment should be looked on as a step for self-improvement.
Keeping yourself updated is a key to success.
Maintain Professional Relationships
You need to maintain professional relationships to ensure smooth functioning in your job – and to ensure that you can get support and assistance when you need it. Important connections and contacts can come in handy at the right time.
Also, maintaining positive relationships with immediate colleagues is essential to maintaining a healthy working environment.
Try to keep up with the latest technology – always a valuable skill that will be useful wherever you go. Taking the time to learn and be at ease with computers, a necessity these days, will help you in your career.
In your career, your aim should be to become indispensable to management; you want them to consider you to be an asset to the company.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
Maintaining A Balance Between Career And Home
To effectively juggle a job and personal life requires a lot planning in order to ensure that there is as little stress as possible. There is no one solution; people are different and circumstances vary. Guilt drives some people to unreasonable limits until they burn out. This needs to be dealt with before plunging into a lifestyle that includes a job as well as home responsibilities.
Not everyone is designed for this lifestyle, so you need to think about it and weigh the possibilities before making a decision that could change your life.
Family Support
Family support is important in developing a work-and-life arrangement that will prevent one from overcoming the other. Supportive colleagues can also help by making adjustments to accommodate the demands being made on you. However, taking time out to become involved in social activities or other enjoyable activities is useful.
Relaxing from time to time makes stresses more bearable. Keeping priorities and goals at the forefront of your thinking also helps. Career achievements and success always come with a price. Keeping them in perspective is important; otherwise, you may look back and regret later.
When you are striving to live up to expectations, whether at work or at home, you may experience a great deal more stress. This is when it pays to be flexible – know that the world won’t come to an end if you have to make some adjustments on either side.
Make Time for Relaxation
Living with the constant pressure of managing more than one role might take its toll eventually if you don’t pay attention. Just as it is important to work to your full potential, you have to take time out for yourself. Relaxing and ensuring some private time for you is extremely important to maintaining a healthy state of mind. If you have children, then keeping them on a predictable routine can help to a certain extent, and having time set aside to spend with them can boost your energy levels.
Many employers offer Employee Assistance Programs (EAP) to their employees. These programs can be of great help when you feel your work is suffering due to the stress factor or if your personal life is falling apart. EAP programs usually provide access to both work and life counselors and therapists so that employees can head off their problems before they become too large to manage.
Finding and making time for work, life, and sleep can be made simpler if you have the right attitude and make the right choices in life.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
Not everyone is designed for this lifestyle, so you need to think about it and weigh the possibilities before making a decision that could change your life.
Family Support
Family support is important in developing a work-and-life arrangement that will prevent one from overcoming the other. Supportive colleagues can also help by making adjustments to accommodate the demands being made on you. However, taking time out to become involved in social activities or other enjoyable activities is useful.
Relaxing from time to time makes stresses more bearable. Keeping priorities and goals at the forefront of your thinking also helps. Career achievements and success always come with a price. Keeping them in perspective is important; otherwise, you may look back and regret later.
When you are striving to live up to expectations, whether at work or at home, you may experience a great deal more stress. This is when it pays to be flexible – know that the world won’t come to an end if you have to make some adjustments on either side.
Make Time for Relaxation
Living with the constant pressure of managing more than one role might take its toll eventually if you don’t pay attention. Just as it is important to work to your full potential, you have to take time out for yourself. Relaxing and ensuring some private time for you is extremely important to maintaining a healthy state of mind. If you have children, then keeping them on a predictable routine can help to a certain extent, and having time set aside to spend with them can boost your energy levels.
Many employers offer Employee Assistance Programs (EAP) to their employees. These programs can be of great help when you feel your work is suffering due to the stress factor or if your personal life is falling apart. EAP programs usually provide access to both work and life counselors and therapists so that employees can head off their problems before they become too large to manage.
Finding and making time for work, life, and sleep can be made simpler if you have the right attitude and make the right choices in life.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
Recognizing Your Skills and Abilities to Enhance Your Career
Employers are always concerned about the experience of the people they hire. However, don’t give up! There are opportunities just waiting for you provided you are able to connect the skills you do have to the job you want.
Recognizing Your Skills and Abilities
Essentially, it’s a question of recognizing and applying the skills and abilities you do have and being able to sell them. You need to be confident about what you present to a potential employer as compared to what their requirements are.
If you can convince them that you are the right person for the job and show them how you will apply your knowledge and skills, they should feel convinced that they have succeeded in their search for the right candidate.
Identifying the Skills You Have Developed
Think back over the different jobs you have trained for and worked in and the skills you’ve developed while there. It is in knowing and recognizing those skills and how to highlight them to your advantage that will get you the new job. Do not rule out simple things such as time and project management and customer relations.
Make a list of them, including the smallest and less insignificant as well as the better and more consequential ones that you have developed over the years. Remember not to rule out anything. Ensure that you spell out how they relate to the job you’re seeking.
Knowing Your Natural Talents and Abilities
Remember that you are unique as a person and have a combination of talents that may not be the same as anyone else. This will help get you noticed for the job you are applying for. At times you may not even be aware of some of your talents. Think about times when someone may have complimented you or mentioned that talent.
It is not be bragging if you bring it to the notice of your employers; it will only work to convince them that you would be able to handle this job. You should determine what talents and abilities will be required in this new job and whether the skills you have actually apply.
Identifying Your Interests
When you are looking for a job, identify a field you’re interested in, even if you have never actually worked in that domain. This will make it easier to convince your prospective employer that you can handle a job in the new field. Often employers ask a candidate why they wish to work for that particular company and need to be convinced that your interest is genuine.
If your skills and talents fit the area of your interest, the combination will be a perfect match. Employers recognize the qualities of a diligent, committed, and satisfied worker and you’ll have a better chance of landing the job.
Being able to honestly recognize and evaluate your skills, abilities, and other qualities are valuable qualities no matter what job you hold.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
Recognizing Your Skills and Abilities
Essentially, it’s a question of recognizing and applying the skills and abilities you do have and being able to sell them. You need to be confident about what you present to a potential employer as compared to what their requirements are.
If you can convince them that you are the right person for the job and show them how you will apply your knowledge and skills, they should feel convinced that they have succeeded in their search for the right candidate.
Identifying the Skills You Have Developed
Think back over the different jobs you have trained for and worked in and the skills you’ve developed while there. It is in knowing and recognizing those skills and how to highlight them to your advantage that will get you the new job. Do not rule out simple things such as time and project management and customer relations.
Make a list of them, including the smallest and less insignificant as well as the better and more consequential ones that you have developed over the years. Remember not to rule out anything. Ensure that you spell out how they relate to the job you’re seeking.
Knowing Your Natural Talents and Abilities
Remember that you are unique as a person and have a combination of talents that may not be the same as anyone else. This will help get you noticed for the job you are applying for. At times you may not even be aware of some of your talents. Think about times when someone may have complimented you or mentioned that talent.
It is not be bragging if you bring it to the notice of your employers; it will only work to convince them that you would be able to handle this job. You should determine what talents and abilities will be required in this new job and whether the skills you have actually apply.
Identifying Your Interests
When you are looking for a job, identify a field you’re interested in, even if you have never actually worked in that domain. This will make it easier to convince your prospective employer that you can handle a job in the new field. Often employers ask a candidate why they wish to work for that particular company and need to be convinced that your interest is genuine.
If your skills and talents fit the area of your interest, the combination will be a perfect match. Employers recognize the qualities of a diligent, committed, and satisfied worker and you’ll have a better chance of landing the job.
Being able to honestly recognize and evaluate your skills, abilities, and other qualities are valuable qualities no matter what job you hold.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
How To Get Your Career Change In Motion
Know Your Uniqueness
Find out what is unique in you that makes you stand out and makes you the right choice for the job advertised.
The first thing you need to have is an outstanding resume, one that will guarantee you an interview. Every organization wants only the best employees, and you need to prove that you qualify.
Some basic preparation to determine your uniqueness is in order.
1. Recognize your strengths. You need to review what you have already done as well as your competence and aptitude level. Your past appraisal reports, verbal or written, will help you with this.
2. Identify your skills. The skills and experience you have acquired over the years will help you handle your new job. You have technical skills as well as software skills that you carry with you wherever you go. Stress these strengths. For example, your communication, management and interpersonal skills might be your forte.
3. Highlight your personality. You also have certain personal traits that make you unique. You have a record of meeting deadlines. You have initiative and a great attitude. Being positive will carry you a long way.
4. Follow up your list of strengths with examples to support them. This is most important if your interviewer is to believe that you are not claiming strengths you may not actually have. This will help you stand out.
Locating the Job of Your Choice
Geographical limitations should not stop you from applying for a job that you are suited for.
Read every advertisement carefully, noting what each company is looking for. Then make your notes in two columns, one with the heading “What the organization is looking for” and the other “What I have to offer.” This exercise will help you see the closest matches.
It will help you identify your skills and strengths and how you might apply them. Spell them out in as many words as the advertisement calls for. This will make your resume stronger. You should also use this information in an interview situation.
Facing Your Interviewers
Remember to research the organization before the interview. This will demonstrate your interest in the company and also help you frame questions to them.
Wearing the appropriate clothing is important for any interview, so it is best to find out ahead of time what that is. In general, attire for an interview is formal; but if your research tells you that the organization is informal, dressing more casually might be a better choice.
Women candidates are faced with more choices. A good policy is to wear nothing very dramatic and keep it conservative. It’s better to avoid fragrances the day of the interview.
Always remember: first impressions are often the last impressions, so make the best of that interview call. You may not get a second chance.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
Find out what is unique in you that makes you stand out and makes you the right choice for the job advertised.
The first thing you need to have is an outstanding resume, one that will guarantee you an interview. Every organization wants only the best employees, and you need to prove that you qualify.
Some basic preparation to determine your uniqueness is in order.
1. Recognize your strengths. You need to review what you have already done as well as your competence and aptitude level. Your past appraisal reports, verbal or written, will help you with this.
2. Identify your skills. The skills and experience you have acquired over the years will help you handle your new job. You have technical skills as well as software skills that you carry with you wherever you go. Stress these strengths. For example, your communication, management and interpersonal skills might be your forte.
3. Highlight your personality. You also have certain personal traits that make you unique. You have a record of meeting deadlines. You have initiative and a great attitude. Being positive will carry you a long way.
4. Follow up your list of strengths with examples to support them. This is most important if your interviewer is to believe that you are not claiming strengths you may not actually have. This will help you stand out.
Locating the Job of Your Choice
Geographical limitations should not stop you from applying for a job that you are suited for.
Read every advertisement carefully, noting what each company is looking for. Then make your notes in two columns, one with the heading “What the organization is looking for” and the other “What I have to offer.” This exercise will help you see the closest matches.
It will help you identify your skills and strengths and how you might apply them. Spell them out in as many words as the advertisement calls for. This will make your resume stronger. You should also use this information in an interview situation.
Facing Your Interviewers
Remember to research the organization before the interview. This will demonstrate your interest in the company and also help you frame questions to them.
Wearing the appropriate clothing is important for any interview, so it is best to find out ahead of time what that is. In general, attire for an interview is formal; but if your research tells you that the organization is informal, dressing more casually might be a better choice.
Women candidates are faced with more choices. A good policy is to wear nothing very dramatic and keep it conservative. It’s better to avoid fragrances the day of the interview.
Always remember: first impressions are often the last impressions, so make the best of that interview call. You may not get a second chance.
Tony Jacowski is a quality analyst for The MBA Journal. Aveta Solution’s Six Sigma Online offers online six sigma training and certification classes for six sigma professionals including, lean six sigma, black belts, green belts, and yellow belts.
Prepare For A Commercial Driver License- Trucking
You have decided that you want to take advantage of the boom in truck driving careers. However, be extremely prudent before you make truck driving a career, since truck driving is not an easy profession. You need to qualify the stringent measures required by the Federal government if you want to be a professional truck driver. Earning a Commercial Drivers License (CDL) is mandatory if you want to drive a truck. The CDL has three types of license categories A, B, and C, depending on the hauling capacity and type of cargo. Every State in America requires this permit as a standard for truck drivers, even if you are experienced in the trucking business. Therefore, to get a CDL you need to have a thorough understanding of the CDL sections and a well-organized plan of action to pursue the CDL exam.
The CDL exam has two categories; so plan accordingly. The first category is a General Knowledge Test and the second one is a Road Driving Test. It is advisable to set up a study schedule, for the first part as it consists of a written exam and requires the use of cognitive skills to learn the theoretical part regarding endorsements. The general knowledge section comprises of subjects like passenger vehicles, doubles and triples endorsement, combination vehicles, cargo vehicles, tank vehicles, air brakes, hazardous materials, school bus endorsement, etc.
Create a study schedule to maximize your learning skills, i.e., if you are not working then morning is the best time to devote to study, quiz yourself on the subject later on, it is a good way to revise the subjects. Focus on the information retention; these are vital for a truck driver. If you are working, then pack in a couple of hours of study each day, as you cannot cram everything at the last minute. Learning the rules and regulations about transportation of freight requires dedication and hard work, so do your homework well.
In order to prepare for the second category of the CDL Exam, which is the Road Driving test, undertaking practice sessions is essential. This section of the CDL test comprises of mastering the skills for outdoor driving. When you practice, hone your gear shifting skills, straight, serpentine and dock backing. Pay attention to negotiate accurate turns. Take pointers, from seasoned drivers to make pre-trip inspections. Gain proficiency in safety measures, defensive road and range driving techniques. Thoroughly practice these skills to get a good score on this section of CDL.
An accredited truck driving school helps you master complex truck driving skills. A good truck driving school runs programs that help its students get their CDL. They train you on the knowledge tests as well as skill tests. One of the major advantages of training at the truck driving school is long hours of practical road training. Additionally, practice sessions on big rigs, 80 feet or 18 feet tractor-trailers, builds confidence to not just crack the CDL tests, but also to transport all types of cargo effortlessly.
So, roll up your sleeves and start trucking your way down the road to success
CDL Training is easy when you choose a DETC accredited truck driver training program. Learn how the truck driving professionals earn over $100,000.00 per year at http://www.truckschool.com.
The CDL exam has two categories; so plan accordingly. The first category is a General Knowledge Test and the second one is a Road Driving Test. It is advisable to set up a study schedule, for the first part as it consists of a written exam and requires the use of cognitive skills to learn the theoretical part regarding endorsements. The general knowledge section comprises of subjects like passenger vehicles, doubles and triples endorsement, combination vehicles, cargo vehicles, tank vehicles, air brakes, hazardous materials, school bus endorsement, etc.
Create a study schedule to maximize your learning skills, i.e., if you are not working then morning is the best time to devote to study, quiz yourself on the subject later on, it is a good way to revise the subjects. Focus on the information retention; these are vital for a truck driver. If you are working, then pack in a couple of hours of study each day, as you cannot cram everything at the last minute. Learning the rules and regulations about transportation of freight requires dedication and hard work, so do your homework well.
In order to prepare for the second category of the CDL Exam, which is the Road Driving test, undertaking practice sessions is essential. This section of the CDL test comprises of mastering the skills for outdoor driving. When you practice, hone your gear shifting skills, straight, serpentine and dock backing. Pay attention to negotiate accurate turns. Take pointers, from seasoned drivers to make pre-trip inspections. Gain proficiency in safety measures, defensive road and range driving techniques. Thoroughly practice these skills to get a good score on this section of CDL.
An accredited truck driving school helps you master complex truck driving skills. A good truck driving school runs programs that help its students get their CDL. They train you on the knowledge tests as well as skill tests. One of the major advantages of training at the truck driving school is long hours of practical road training. Additionally, practice sessions on big rigs, 80 feet or 18 feet tractor-trailers, builds confidence to not just crack the CDL tests, but also to transport all types of cargo effortlessly.
So, roll up your sleeves and start trucking your way down the road to success
CDL Training is easy when you choose a DETC accredited truck driver training program. Learn how the truck driving professionals earn over $100,000.00 per year at http://www.truckschool.com.
The Best Ways To Get Your Commercial Drivers License
Truck driving as a profession offers good money and a secure future. This challenging job has gained popularity due to its numerous benefits. To drive a truck one needs a Commercial Drivers License (CDL) to be able to operate a truck for commercial use. With an increase in the number of truck drivers, the government has made it mandatory to have Commercial Drivers License only after going through certain tests.
There are more than 7 million truck drivers in USA, and trucking forms an important part of the US economy. Hence, it is not easy for everyone who walks in to get a license. A CDL test needs rigorous preparations, and you need a thorough understanding of theory, and practical knowledge. Thus, there are trucking schools and institutions that offer small courses, which last normally between 3 to 4 weeks. However, certain companies may ask you to sign a contract that may require you working for them for at least a period of one year. This can be an advantage for some and a disadvantage for many. In addition, applying through trucking schools can be expensive and you may have to spend up to $ 4000 to $ 5000.
It is best not to approach a truck driving school and do it yourself. One way that you can get your commercial drivers license is studying and going through the book yourself. Then visit a doctor and get the DOT physical form filled that will cost you about $ 50 to $ 60. Later you can visit the Motor Vehicle office and apply for your license. Once you are through your test, you will get a CDL permit that should not cost you more than $ 14. After some practice sessions, you can book a time with a test center and perform your driving skills. The skill test will cost you around $ 100. This means you obtain your Commercial drivers license in just $ 174, unless you have to rent a truck for performing your driving skills.
If you are very keen in getting into the trucking profession you can get yourself enrolled into a Vo-Tech School. It is a truck driving training program and costs you around $1200. After you graduate from a Vo-Tech school, you will have several companies looking out for you. Most companies prefer fresh graduates with commercial drivers’ license and are ready to pay well. You can always consult from other drivers who have passed out from Vo-Tech or directly walk in the school to get better information and guidance.
Some companies help you clear the tests by giving away the answers. However, they do have their rules and regulations along with high fees. Thus, you need to be careful which way to choose when you need to get your commercial drivers license. As per research, Vo-Tech is the most reliable and easy way to get your CDL. These schools work honestly towards creating well-trained drivers and thus many companies give preference to candidate passing out from Vo-Tech. To be successful in the trucking profession you must know the right path to choose to obtain your commercial drivers license. The decisions are yours.
CDL Training is easy when you choose a DETC accredited truck driver training program. Learn how the truck driving professionals earn over $100,000.00 per year at http://www.truckschool.com.
There are more than 7 million truck drivers in USA, and trucking forms an important part of the US economy. Hence, it is not easy for everyone who walks in to get a license. A CDL test needs rigorous preparations, and you need a thorough understanding of theory, and practical knowledge. Thus, there are trucking schools and institutions that offer small courses, which last normally between 3 to 4 weeks. However, certain companies may ask you to sign a contract that may require you working for them for at least a period of one year. This can be an advantage for some and a disadvantage for many. In addition, applying through trucking schools can be expensive and you may have to spend up to $ 4000 to $ 5000.
It is best not to approach a truck driving school and do it yourself. One way that you can get your commercial drivers license is studying and going through the book yourself. Then visit a doctor and get the DOT physical form filled that will cost you about $ 50 to $ 60. Later you can visit the Motor Vehicle office and apply for your license. Once you are through your test, you will get a CDL permit that should not cost you more than $ 14. After some practice sessions, you can book a time with a test center and perform your driving skills. The skill test will cost you around $ 100. This means you obtain your Commercial drivers license in just $ 174, unless you have to rent a truck for performing your driving skills.
If you are very keen in getting into the trucking profession you can get yourself enrolled into a Vo-Tech School. It is a truck driving training program and costs you around $1200. After you graduate from a Vo-Tech school, you will have several companies looking out for you. Most companies prefer fresh graduates with commercial drivers’ license and are ready to pay well. You can always consult from other drivers who have passed out from Vo-Tech or directly walk in the school to get better information and guidance.
Some companies help you clear the tests by giving away the answers. However, they do have their rules and regulations along with high fees. Thus, you need to be careful which way to choose when you need to get your commercial drivers license. As per research, Vo-Tech is the most reliable and easy way to get your CDL. These schools work honestly towards creating well-trained drivers and thus many companies give preference to candidate passing out from Vo-Tech. To be successful in the trucking profession you must know the right path to choose to obtain your commercial drivers license. The decisions are yours.
CDL Training is easy when you choose a DETC accredited truck driver training program. Learn how the truck driving professionals earn over $100,000.00 per year at http://www.truckschool.com.
Get The Best Driving Jobs After Your CDL Training
Trucking companies are always looking out for good drivers. There is a lot of demand of truck drivers especially after they have completed a Commercial Driver’s License (CDL) training. CDL training assures the company that you have good road sense and can handle huge trucks even under crisis. Fresh graduates who learn these techniques from Tech School are also preferred.
There are several ways of getting a well-paid job in the trucking industry. Often the school you enroll in will help and guide you to get a job. Few companies have a tie up with truck driving schools, and if you have been performing well in theory and trucking skills, you land up a job with good trucking companies. Before you enroll for any driving school, however, you can check whether they give placements. This will put you off the burden of searching a job. Always go for a recommended and recognized school that assures placements in the trucking industry.
Another way that you can locate a job is through the Internet. Various online companies help you find a job in a trucking company. Whether you are an experienced driver or a fresh driver with CDL training, you can upload your resumes and let the online companies help you approach better companies in the trucking industry. Many trucking companies give advertisements on these websites and give details about the job profile and salary offered. You can choose and apply to any of these companies and wait to hear from them.
Many companies prefer candidates who have good driving record and have experience of more than 6 months even after CDL training. To make it big in trucking profession, you can begin working with a small company, earn good experience, and keep a clean record by driving save and avoiding any kind of accidents. This will help you get a better job in 6 to 12 months time and you can grow earning good profits.
You can also get in touch with placement agencies that can help you find the right job after your CDL training. You can keep in touch with a recruiter who can guide you and give updates for company you are looking forward to work with. The recruiter will repeatedly inform you of vacancies in the trucking industry so that you can make a choice. If you are a beginner, it is better to gather experience and then move on to big companies who normally hire truck drivers with sound experience.
In the trucking industry, there are jobs that pay $ 65000 and more, and you can spend time with family as well by going home everyday. Candidates with CDL training must be aware of trucking norms, and have hands on training for driving huge trucks across the country. This challenging industry has lots to offer and one can flourish in this profession after your CDL training. Find good institutes that can give you best of Commercial drivers training and help you find the best job in the industry. Anybody who wants high paying jobs should enroll for CDL training.
CDL Training is easy when you choose a DETC accredited truck driver training program. Learn how the truck driving professionals earn over $100,000.00 per year at http://www.truckschool.com.
There are several ways of getting a well-paid job in the trucking industry. Often the school you enroll in will help and guide you to get a job. Few companies have a tie up with truck driving schools, and if you have been performing well in theory and trucking skills, you land up a job with good trucking companies. Before you enroll for any driving school, however, you can check whether they give placements. This will put you off the burden of searching a job. Always go for a recommended and recognized school that assures placements in the trucking industry.
Another way that you can locate a job is through the Internet. Various online companies help you find a job in a trucking company. Whether you are an experienced driver or a fresh driver with CDL training, you can upload your resumes and let the online companies help you approach better companies in the trucking industry. Many trucking companies give advertisements on these websites and give details about the job profile and salary offered. You can choose and apply to any of these companies and wait to hear from them.
Many companies prefer candidates who have good driving record and have experience of more than 6 months even after CDL training. To make it big in trucking profession, you can begin working with a small company, earn good experience, and keep a clean record by driving save and avoiding any kind of accidents. This will help you get a better job in 6 to 12 months time and you can grow earning good profits.
You can also get in touch with placement agencies that can help you find the right job after your CDL training. You can keep in touch with a recruiter who can guide you and give updates for company you are looking forward to work with. The recruiter will repeatedly inform you of vacancies in the trucking industry so that you can make a choice. If you are a beginner, it is better to gather experience and then move on to big companies who normally hire truck drivers with sound experience.
In the trucking industry, there are jobs that pay $ 65000 and more, and you can spend time with family as well by going home everyday. Candidates with CDL training must be aware of trucking norms, and have hands on training for driving huge trucks across the country. This challenging industry has lots to offer and one can flourish in this profession after your CDL training. Find good institutes that can give you best of Commercial drivers training and help you find the best job in the industry. Anybody who wants high paying jobs should enroll for CDL training.
CDL Training is easy when you choose a DETC accredited truck driver training program. Learn how the truck driving professionals earn over $100,000.00 per year at http://www.truckschool.com.
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