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Suggest You - The Changing Values Landscape of the U.S. and How It Impacts Midlife Job Searchers, Part Two
Starting Your Own Courier ServiceSooner or later everyone has dreamed of quitting their job and starting their own business. Unfortunately the main thing that stops or prevents someone from making the dream a reality is usualy what I call the 'two F's', and this is 'friends' and 'funds'. You can probably understand 'funds' as a lack of money needed, but why 'friends' ? Because I have said and I have heard others over the years say 'I am thinking of starting my own business', as soon as you say this to your friends, do they tell you it's a great idea ? No, they tell you 'oh it will fail', or 'there's no money in that' or some other negative comment, friends very rarely tell someone 'hey that is a great idea, you should try it!', the reason why is because it wasn't their idea, or they were not the one who first brought the idea up in conversation. I am telling you right now, when it comes to starting your own business, the only friend I want you to listen to is me, the one who wrote this article.Can you answer 'yes' to these 2 questions ?
1. Can you or someone you trust devote some time to driving a vehicle ?
2. Is the vehicle dependable ?If you can answer 'yes' to them two questions, you can start a ' Courier Service '.What exactly does a courier do ? They pickup and deliver merchandise and sometimes, people and pets to and from various places such as businesses, airports, Hospitals and even peoples homes. These services are in great demand, because there is always someone that needs a package delivered to a nearby airport, or some other location ASAP, and this is where a py Boss Unadvertised Pharmaceutical Sales JobsMake Money Walking Round Shops All DayAre You Brave Enough to Find Your Ideal Career?8 Reasons Working From Home Should Be FunThe Worlds Greatest Perfume SnifferThe Newest Advancement in Training for Truck DrivingInterviewing Tips to Get that Job! Dressing to Match the Interview 3Interviewing Tips to Get that Job! Are you Really Listening 7A General Idea on SAP Master Data ManagementHow To Choose Right Temporary Job Placement AgencyBasic Plumber Tools For Any JobInterviewing Tips to Get that Job! 1 Merchant Account Rates Explained:Do You Know How Much Each Credit Card Transaction Really Costs You?
The Two Components of a Credit/Debit Card Transaction
Each time you process a credit or debit card transaction, you are charged an inquiry fee and a percentage of the total transaction. The inquiry fee is a flat amount, typically between 20 cents and 35 cents. The percentage charged, is typically called your "credit card rate" and it is variable based on the type of transaction and the type of card used.Credit Card Rate Categories
Credit Card Rates are typically broken into two categories:Card Present (where the card is physically swiped through a credit card terminal)
The lowest rates are typically applied to card-present transactions.
Card Not Present (any type of transaction where the card cannot be swiped)
This type of transaction is also referred to as MOTO (mail order/telephone order). All transactions where a credit card is not physically swiped through a terminal, including internet transactions, phone transactions, or credit-card numbers keyed into a terminal, fall into this category. Credit Card Rate Types
The rate for each credit card transaction type is determined by both the kind of card used, the way it is processed, and the time it takes the merchant to batch the transactions for processing. It is important to know whether you do mostly card present or card not present transactions when selecting a plan type, because card not present charges are significantly higher in a Type 1 plan than in a Type 4 The values landscape of our nation is changing, and with it your personal values landscape is changing as well. What does this mean and what does it have to do with midlife?
Researcher Dr. Paul Ray says that the predominant values set held by Americans has been one he terms Modernist, with roots in the Renaissance. Modernists presently represent 88 million U.S. adults, or 47% of the population, but the numbers of Modernists are shrinking as those who hold these values are increasingly leaving this subculture and choosing instead the values of one of the other two subcultures ray has found, the Heartlanders (representing traditionalist values) and the Culture Creatives (representing newly emerging integral values, never before seen in human history). Heartlanders represent 29% of the population, or 56 million adults, while Culture Creatives represent 24% of the population, or 44 million adults.
Those with a Modernist perspective tend to value religious and lifestyle pluralism, career achievement stepping stones, consumerism, a “winning” lifestyle, capitalism; tolerate societal fragmentism; and welcome the technologization of life. Many Heartlander values are the polar opposites of Modernist values: simplified and unified lifestyle options; an emphasis on putting families, not careers, first; buying in accordance with budget and values; a family-oriented lifestyle; a deemphasis on individualization and capitalism; a great desire to heal the fragmentations of American society; and a dramatically lessened interest in and dependence on technology.
Now, what about the Culture Creatives? Who are they and what do they believe? Ray names this subculture this way because this is the group that is coming up with the new ideas that are transforming society as we know it. Culture Creative values tend to be person-focused and environment friendly and include: psychology; spiritual life; self-actualization; self-expression; mastering new ideas; social concerns; and women’s issues.
Dr. Ray sees American society as approaching what he terms a “Great Divide” in which the mainstream Modernist subculture is shrinking as members move instead into Heartlander or Culture Creative camps. Midlife acts as your own personal “Great Divide” and challenges you to choose your own values. Are you a Modernist? Will you remain one? Or are you really more of a Heartlander and just beginning to recognize yourself? Or are you a Culture Creative who never before could name what you knew you were becoming? What about your present family and friends? Or your family of origin? Or the people in your faith community? Are you surrounded by likeminded others or those with contrasting values?
Review the informal lists above and see which subculture feels most like you. Consider reflecting on the questions raised in the last paragraph to help you explore your own personal values landscape. If you are surrounded by supporters, then no matter which category you live in, the changes ahead will be easier for you. If, on the other hand, you are surrounded by those of other subcultures, then not only the societal changes ahead but your own midlife changes will be more chaotic as well.
Most critical of all, though, make sure you incorporate your Modernist, Heartlander, or Culture Creative values into your resume summary, cover/follow-up/thank you letters, and interview responses. By doing so, you dramatically increase the odds that you'll end up working next to likeminded others, which, in turn, should assure you some measure of career satisfaction over the long-term.
Cheryl Lynch Simpson is a Spiritual Director and Solutions Coach who helps women discover and create the life they've always wanted to live. Cheryl is the author of over 30 print/Internet articles and the founder of Coaching Solutions For Women, a coaching website that produces and showcases career, business, and life solutions that improve the life balance of today's busy women. For a complimentary copy of her latest e-book, Ten-Minute Stress Zappers for Women Service Business Owners, visit http://www.coachingsolutionsforwomen.com. | |
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Focus on Undergraduate Course in Risk Management and InsuranceHeadlines from the salary-related articles at web site efinancialcareers.com read, “Lucrative Times for Risk Professionals,” (Apr. 9, 2007), “Demand Pumps Pay in Risk Management,” (Jan. 7, 2007), “Hefty Increases to Risk Executives,” (June 20, 2006), “Risk Sector View: Banks Gearing and Paying Up,” (Nov. 9, 2005), and “Risk Manager Pay Jumps 15% Year on Year,” (May 9, 2005). Michael Woodrow, president of the risk-management search firm Risk Talent Associates, predicts continued high demand for risk management specialists with experienced market risk and credit risk people getting packages of $500,000 or "much, much more."The results from a recent Risk Talent Associates compensation survey are as follows. “For risk management analysts or associates, average total compensation in the U.S. grew from $111,000 in 2005 to $121,000 in 2006. For senior associates or managers, compensation rose $150,000 to $166,000. Vice presidents saw their compensation rise from $242,000 in 2005 to $264,000 in 2006. Senior vice presidents garnered $420,000 in 2005 versus $462,000 in 2006, while managing directors' compensation rose from $900,000 in 2005 to $984,000 in 2006. Finally, chief risk officers earned $928,000 in 2005, but broke $1 million in 2006,” according to the survey.Outside of Wall Street and the financial sector, risk management salaries are not nearly so lofty, yet risk management can be a lucrative career option for today’s graduates in any part of the country. In June 207, Web site efinancialcareers.com listed 234 finance-based risk management jobs in cit alism; a great desire to heal the fragmentations of American society; and a dramatically lessened interest in and dependence on technology.
Now, what about the Culture Creatives? Who are they and what do they believe? Ray names this subculture this way because this is the group that is coming up with the new ideas that are transforming society as we know it. Culture Creative values tend to be person-focused and environment friendly and include: psychology; spiritual life; self-actualization; self-expression; mastering new ideas; social concerns; and women’s issues.
Dr. Ray sees American society as approaching what he terms a “Great Divide” in which the mainstream Modernist subculture is shrinking as members move instead into Heartlander or Culture Creative camps. Midlife acts as your own personal “Great Divide” and challenges you to choose your own values. Are you a Modernist? Will you remain one? Or are you really more of a Heartlander and just beginning to recognize yourself? Or are you a Culture Creative who never before could name what you knew you were becoming? What about your present family and friends? Or your family of origin? Or the people in your faith community? Are you surrounded by likeminded others or those with contrasting values?
Review the informal lists above and see which subculture feels most like you. Consider reflecting on the questions raised in the last paragraph to help you explore your own personal values landscape. If you are surrounded by supporters, then no matter which category you live in, the changes ahead will be easier for you. If, on the other hand, you are surrounded by those of other subcultures, then not only the societal changes ahead but your own midlife changes will be more chaotic as well.
Most critical of all, though, make sure you incorporate your Modernist, Heartlander, or Culture Creative values into your resume summary, cover/follow-up/thank you letters, and interview responses. By doing so, you dramatically increase the odds that you'll end up working next to likeminded others, which, in turn, should assure you some measure of career satisfaction over the long-term.
Cheryl Lynch Simpson is a Spiritual Director and Solutions Coach who helps women discover and create the life they've always wanted to live. Cheryl is the author of over 30 print/Internet articles and the founder of Coaching Solutions For Women, a coaching website that produces and showcases career, business, and life solutions that improve the life balance of today's busy women. For a complimentary copy of her latest e-book, Ten-Minute Stress Zappers for Women Service Business Owners, visit http://www.coachingsolutionsforwomen.com. | |
Most critical of all, though, make sure you incorporate your Modernist, Heartlander, or Culture Creative values into your resume summary, cover/follow-up/thank you letters, and interview responses. By doing so, you dramatically increase the odds that you'll end up working next to likeminded others, which, in turn, should assure you some measure of career satisfaction over the long-term.
Cheryl Lynch Simpson is a Spiritual Director and Solutions Coach who helps women discover and create the life they've always wanted to live. Cheryl is the author of over 30 print/Internet articles and the founder of Coaching Solutions For Women, a coaching website that produces and showcases career, business, and life solutions that improve the life balance of today's busy women. For a complimentary copy of her latest e-book, Ten-Minute Stress Zappers for Women Service Business Owners, visit http://www.coachingsolutionsforwomen.com. | |
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