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      CONSIDER SEEKING A NON PAID INTERNSHIP IF YOU ARE CHANGING CAREERS.

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    March 10, 2010

    SWUF: The Trickle Down Effect.

    Ed. Note) We are excited to introduce Lesley Pink, an editor and writer who has worked in marketing, financial journalism, and immigration law.  She wishes she could swim for a living, but for now you can find her here in her new “Single White Unemployed Female” column. Enjoy.

    My bank account isn’t the only thing taking a hit during my first experience with unemployment.  My self-esteem is suffering, too.

    Of course, I didn’t get all my self-worth from my job, but I did get something out of it.  I had a sense of accomplishment, an office, an assistant, and yes, that paycheck.  I was being paid for my work and, along with that, my experience and education.

    And then that was taken away and my editing background was deemed insignificant, my Masters degree considered [even more] worthless.  Since my experience and education didn’t seem to count for anything and since I could be so easily discarded, didn’t that make me, by extension, worthless and expendable?

    I have been struggling with these feelings for a couple months now…

    Read More

    8:55am  |   URL: http://www.the405club.com/post/439005595/trickle-down-effect
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    FILED UNDER: Single White Unemployed Female unemployed unemployment work submission 
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    March 9, 2010

    Nightmare Again: Part III of IV.

    truth 405 clubTime for some truth. I believe that most nightmares are caused by events that occurred during our waking hours. Situations such as job loss and long term unemployment create mental wounds, and for many of us, those wounds are manifested in nightmares. Sometimes nightmares are a collage of unresolved items that happened during our waking hours. After I wrote Part 3 of Nightmare….Again, I thought about what event could have caused that type of nightmare.

    I did not have to think very hard. In 2007, I went on a business trip to Minneapolis. At that time the company I was working for was in danger of losing a major account. The purpose of that trip was to prevent the loss of that account. Shortly before our visit, there was a major disaster in that city. The Interstate 35W Bridge had collapsed, resulting in several deaths. As fate would have it, the hotel we booked was about six blocks away from that bridge, and the room I occupied had a birds eye view of the damaged bridge. The trip ended up a disaster: we lost the account, and perhaps it planted the seeds that eventually caused the downsizing of the company and my subsequent unemployment. Continue reading for Part III…

    Read More

    9:00am  |   URL: http://www.the405club.com/post/436859824/nightmare-again-part-3
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    FILED UNDER: Good Hunting unemployed unemployment jobs work nightmare dreams submission 
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    March 8, 2010

    “Why Won’t They Pay Me A Living Wage?”

    living wage 405 clubSome employers especially those in the suburbs are set in their ways and unwilling to budge when it comes to salary offered. For older persons, this could be deadly as well as for local economy.

    These are the pet peeves of some of my customers who, at one time, had fast-paced, glamor-type jobs in media in the Big City and now that they have found themselves in the suburbs, older and on their own, they find themselves applying for and interviewing with employers not willing to hire them because they want “young kids” for eight dollars an hour. Important professionals like doctors notoriously under employ. They want and need accuracy and good workers to ensure that, but they won’t pay decent salaries by which one serving their business needs can support oneself—like pay the costs of living—a roof over one’s head, a car because you need a car in the ‘burbs—and, oh, God forbid—food!

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    9:00am  |   URL: http://www.the405club.com/post/434677604/why-wont-they-pay-me-a-living-wage
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    FILED UNDER: Jottings From The Job Enthusiast unemployed unemployment work career jobs submission 
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    March 5, 2010

    5 Tax and Money Savings Tips

    Tax time is almost here.  If you are getting a refund, you should have filed already!  If you are going to be paying taxes because you did not withhold enough, here are some tips to minimize that payment.  Even if you cannot use all these tips for this tax season, they will come in handy for next year’s tax season.

    Give Giving really can be rewarding.  Not only do you feel good about giving to the causes you believe in, you also get some money back from Uncle Sam.  If you’ve given to your church, charities or other non-profit organizations - all you need is the receipt and you can deduct the amount you gave.  If you need ideas, I can suggest the NYC Libraries, Wildlife Conservation Society (WCS), Red Cross, your local church, museums and numerous other charities.

    Deduct Job hunting expenses If you are looking for a job, and these days it seems like half the people I know are, then you should not forget about deducting your expenses.  These can include printing resumes, transportation to and from interviews, cell phone bills, suits and other clothing for interviews.  The catch is, you need to be looking for a similar line of work.

    Go Green. Many people in the recent past have bought a Toyota Prius and get a deduction.  But going green doesn’t stop there.  If you put a good amount of money into your home to improve energy efficiency such as heating or cooling systems, insulation, or alternative energy sources such as solar, you can get a nice tax credit on your return for that year.

    Educate Yourself. Continuing your education can be good for your future earnings and your wallet.  There are tax credits and deductions for you to take.  Interest from student loans are deductable from your return as well.  If you have a large enough loan, this can be pretty significant.

    Tax Preparation. Books, classes, software and tax preparation services are deductible on your tax return as a miscellaneous itemized deduction.  It’s easy to find this tip using software such as Taxcut or TurboTax.

    What tax savings tips do you have to share?  What deductions and savings are you taking this year?

    For additional links to frugal tips and tricks follow me on Twitter. If you would like to contribute to FrugalNYC in any way feel free to contact me via email. Click here to add FrugalNYC to your RSS reader or Subscribe to FrugalNYC by Email.

    photo by alancleaver_2000

    11:33pm  |   URL: http://www.the405club.com/post/429563303/5-tax-and-money-savings-tips
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    Nightmare Again: Part 2.

    happy 2009 405 clubTime to turn back the clock.  The Time:  November 2009!  The place:  Somewhere in Suburban New York.  Although I did not have a job offer yet, things were looking promising.  I had just completed four interviews. I also had jury duty, and I wondered if there would be a conflict between interview time and jury duty.  Somehow I managed to make my way through, but there were some moments that I was very concerned.  As the results came in, one company turned down my application and notified me within twenty four hours after my interview.  The other interview was for a position I had no experience for.  True I could get training, but I wanted to see how the other interviews turned out.  The third was one that my headhunter told me that I would definitely get an offer for….That definitely ended up turning into a definitely not, and was the basis for my “Cautionary Tale” writing.  The final one…well we’ll get to that one later (as that is where I am now employed).

    I am, however getting ahead of myself.  When we last left my nightmarish experience, I found myself transformed to a version of my younger self for another discussion with my mother. As I left the house, I began to age quickly.  Fortunately I stopped aging when I reached my current age.  The next thing I knew I was job hunting in the meat district of New York City.  What happens next?  Please read on.  You will find the answer in Part 2 of Nightmare….Again.   Enjoy

    -Howard K. Young
    Find Part 1 here

    ———-

    Part 2

    Good Evening. I am not sure you know me. My name is Howard K. Young. I like to think of myself as a professional. I am not in business to make friends, but once I leave the office, I am a completely different person. All was going well until my job was taken from me in June of 2009. I know what I have to do to get re-employed but like a bad joke without a punchline, I just cannot seem to get that elusive employment offer. As a result I often have problems sleeping at night. When I do sleep, I find that I am often plagued by nightmares. My nightmares put me in strange places, strange situations. I feel like a passenger on a train that is going to some strange Twilight Zone!

    I find myself in positions that I would never consider taking in real life…

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    9:00am  |   URL: http://www.the405club.com/post/428296157/nightmare-again-part-2
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    FILED UNDER: unemployed unemployment work Good Hunting submission 
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