Your Questions About Money Making Stocks For 2010

Richard asks…

Your NEO (BHO) is speeding things up!?

Prediction one. The twenty-five-year equities bubble pops in 2009. U.S. and foreign equities markets will stop treading water and realign with economic reality. Stock prices will cease to reflect the “greater fool” mentality and will return to being a function of dividend yields, which have long been miserable. The S&P 500 will sink below 500. In a bid to stem the panic, the government will enforce periodic “stock market holidays”, and will vastly expand the scope of its short-selling prohibitions—eventually banning short-selling altogether.

Prediction two. With public pension systems and tens of millions of 401k holders virtually wiped out—and with the Baby Boomers retiring en masse—there will be tremendous pressure on the government to get into the stock market in order to bid up prices.

Therefore, sometime in 2010, the Federal Reserve will create and loan out hundreds of billions of fresh dollars to the usual well-connected suspects, instructing them to buy up stocks on the public’s behalf. This scheme will have a fancy but meaningless name—something like the “Taxpayer Assurance Equities Facility”. It will have no effect other than to serve as buyer of last resort for capitulating smart-money types who want to get out of stocks entirely.

Prediction three. Millions of new retirees—including white-collar people with high expectations for a Golden Retirement—will be left virtually penniless. Thousands will starve or freeze to death in their own homes. Hundreds of thousands will find themselves evicted and homeless, or will have to move in with their less-than-enthusiastic children. Already strained by the rising tide of the working-age unemployed, state and local welfare services will be overwhelmed, and by 2012 will have largely collapsed and ceased to function in many parts of the country.

Prediction four. “Quantitative easing” will fail to restart previous patterns of lending and consumption. As the government sends out additional “rebate” checks and takes ever-more drastic measures to force banks to lend, hyperinflation could take hold. However, comprehensive debt relief via a devaluation of the dollar is even more likely. This would entail the government issuing one “new” dollar for some greater number of “old” dollars—thus reducing both debts and savings simultaneously. This would make for a clean slate a la Fight Club.

As there are many more debtors than savers in the U.S., the vast majority would support devaluation. The Chinese and other foreign holders of our bonds would be screaming mad, but unable to do anything. Every country that has not found a way out of dollar-denominated reserve assets by 2012 will see its reserves eliminated.

Prediction five. The government will stop pretending that it can finance continuous multi-trillion-dollar deficits on the private market. By late 2010, the sole buyers of new U.S. Treasury and agency bonds will be the Federal Reserve and a few derelict financial institutions under government control. This may or may not lead to hyperinflation. (See prediction four).

Prediction six. As the need for financial industry paper-pushers declines and people have less money to spend on lawyers and Starbucks (SBUX), unemployment will rise until the private sector has eliminated all of its excess capacity and superfluous or socially needless jobs. The government’s narrow unemployment figure (U3) will rise into the high teens by late 2010. The government’s broader unemployment figure (U6) will cease to be reported when it reaches 25 percent—it will simply be too embarrassing. Ultimately, one in three work-eligible Americans will be unemployed, underemployed, or never-employed (e.g. college grads permanently unable to find suitable work).

Prediction seven. With their pension dreams squashed, and their salaries frozen or cut, police and other local government workers will turn to wholesale corruption in order to survive.

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I hate to be a downer, but how on earth are we ever going to get out of the national debt. BHO added ~$2trillion this year. That is four times Bush’s worst deficit.

He isn’t NEO. He isn’t the one. He is speeding up the demise of the USA. Is it in the name of reparation?

This is NOT hope or change it is more of the same with a greater magnitude.

John answers:

It’s too late for that, start stocking up on SPAM and condensed milk

Daniel asks…

How should i fix this resume to make it sound awesome and stand out?!?

OBJECTIVE:
Obtain Administration Coordinator position at your company.

WORK HISTORY

Apr 2006 – present

Beauty Advisor
Walgreens

•Operate cash register.
•Manage inventory.
•Balance registers at closing.
•Handle ordering.
•Received customer service awards.
•Stock inventory on shelves.
•Perform resets and revisions.
•Cleaning department at end of the night.

2010– Promoted to (STL) Store Team Lead- Inventory/Management

•Collecting money and getting change.
•Handle difficult customer situations.
•Opening and closing the store.
•Inventory for the whole store.
Making sure employees get tasks done.
•Scheduling.
•Cash Reports.
•Price Changes and Markdowns.
•Customer Service.
•Unloading Warehouse.
•Filling prescriptions.
•Checking in Venders and Warehouse.
•Invoices and Credits.
•Sending out company e-mails to other stores and district offices.
•Keeping office paperwork and invoices organized.
•Contacting vendors for returns or to order new product.
•Cash payouts (such as: travel expenses and underpaid from paychecks)
•In charge of ordering office supplies.

EDUCATION

Sep 2009 to present

Ivy Tech Community College
Valparaiso
Business Administration

I am currently attending Ivy Tech’s online programs for Business Administration. I have currently tested out of all my prerequisites and I am already attending the business classes. My classes will not affect my work hours considering I do all my classes online. I already have experience in business administration, and I will be graduated with my degree in Business Administration in 2 years.

Aug 2004 to Dec 2007

Knox High School

Diploma

•Received perfect attendance award several times.
•Member of National Honor Society and yearbook.
•Treasurer of my class.
•Played basketball and ran cross country.
•Editor of the school newspaper.
•Completed Office 2007 training.
•Completed Mac training (photo shop)

LANGUAGE SKILLS

Completed 3 years of French Class

•Member of Foreign Exchange Club.
REFERENCES

John answers:

The “bullet list” approach that you have chosen is OK, but it has some drawbacks. For example, you list “Received customer service awards” as if it were a job responsibility like stocking inventory. This would be better handled as a separate line (NOT a bullet point), e.g. “While I held this position I received three Customer Service Awards reflecting my courtesy and attention when dealing with customers.” In general, it is fine to stick to bullets for simple lists, but don’t use them exclusively – throw in some descriptive text as well. This also shows people your skills in written communication.

“resets and revisions” – those of us who have not worked as a beauty advisor for Walgreens don’t know what this means – explain or re-word.

Unless you are doing double duty as a beauty advisor AND store team lead, the Beauty Advisor position should read “2006 to 2010”.

Don’t go overboard; “filling prescriptions” is a leap, unless you are also a licensed pharmacist.

Keep your word sense consistent, e.g. Under STL, first entry is “Collecting” and third is “Opening” but second is “Handle” – make this “Handling” for consistency. Similarly, there is no verb for “Cash reports” – do you write them? Reconcile them? File them? You process “Invoices and credits” but how? Do you enter them into the computer, or do you put them into a pile for someone else to enter? If you use the Walgreen’s computer software (Intercom Plus, I believe) for some or all of your tasks, then say so, e.g. “Process invoices and credits into the accounts payable module of Intercom Plus (Walgreens proprietary computer software)”

Since you are taking online courses, I would say “Enrolled at Ivy Tech” instead of “attending” – especially since you later stress that this makes your schedule more flexible.

You say you have “tested out of all my prerequisites” – I find this a confusing turn of phrase. Do you mean you have completed them?

In general, you need to sell yourself to your potential employer. Stress that you frequently work without direct supervision – this indicates someone willing to take responsibility. Similarly, if you supervise staff, how many staff report to you? Are you responsible for their annual performance reviews or other reports that affect their salaries and/or promotions? Stress these and other management skills that set you apart from a burger flipper at McDonald’s. Have you been able to put any of your Business Admin skills to use? Which ones, and how? Don’t be afraid to blow your own horn.

And finally: Photoshop (the Adobe software) is all one word, with an initial capital. “photo shop” is a class where you learn darkroom techniques. Make it clear what you are talking about.

Good luck!

Mary asks…

Whats wrong with my CV? been trying to get a job for nearly a year! :(?

Dear Sir/Madam

I am a hard working, reliable and confident person, who has a positive attitude to work life. I enjoy learning new skills and am computer literate. I have great customer service skills and I see myself as an efficient and organised person who likes to try out new challenges. I would describe my personality as been a friendly bubbly person, who loves meeting new people. I am also able to use my own initiative and work as part of a team under pressure to meet challenging deadlines.
Previous Experience in the work place: May 2007 & June 2007 I did my work experience at the Guildhall, scrutiny department. I really enjoyed this and did very well. Whilst at the Guildhall I gained experience in working on a computer, sending e-mails, photocopying, faxing, printing, making and receiving phone calls, completing case studies and projects.
August 2009 – July 2010. I was working casually for ********* catering LTD at the ********* stadium as a cashier/waitress/bar staff. This role involved working part of a team and individually, dealing with complaints and ensuring customers were happy at all times.
July 2010 – I have recently been working for ********* an events company that are based all over Yorkshire, mainly at racecourses. Whilst working at ******** I have been working on a bar, waitressing and also silver service waitressing. These roles involve handling money, dealing with customers and showing excellent customer service skills. This work is seasonal and has now come to an end. I was recently however promoted to head bar which includes tasks such as; cash and stock control, bar presentation and staff management.
Education: The school I attended was ************, from 2003 to 2008 and the Qualifications I achieved were:
Maths Exam 1 – A GCSE
Maths Exam 2 – D GCSE
English Lang. – C GCSE
English Lit. – C GCSE
Cooking – C GCSE
Textiles – B GCSE
R.E – C GCSE
Certificate in preparation for working life – Pass
ALAN Maths Test – Level 2
ALAN English Test – Level 2

2008-2010 – ****** College (at the *** Stadium)
BTEC National Diploma in Travel and Tourism – 3 A Levels

Currently studying Maths and Science at ******** College

References available on request
Its usually all seperated with my name and address etc at the top..

John answers:

Combining tenacity, reliability and confidence, I possess a highly optimistic outlook towards the working environment and enjoy not only acquiring new skills, but also manipulating current skills (such as computer literacy skills), in order to ensure consumer needs are met and tasks are completed in both a successful and an efficient manner. My naturally charismatic nature means that I am adept and functioning effectively both independently and as part of a cohesive team and I am fully capable of using my initiative to meet even the most demanding of deadlines.

Previous Experience in the work place: May 2007 & June 2007 – Guildhall, scrutiny department. This invaluable experience allowed me to develop ICT skills in compuer use, sending e-mails, photocopying, faxing and printing and also allowed me to extend my organisational skills through tasks such as making and receiving phone calls and the completion of case studies and projects.

August 2009 – July 2010. Casual work as a cashier/waitress/barmaid for ********* catering LTD at the ********* stadium, which involved operating both independently and as part of a team and ensuring efficiency in meeting consumer needs was maximised by the business.

July 2010 – Based in Yorkshire, ********* is an events company which I have recently finished a seasonal placement with. Work included bar work, waitressing and also, silver service waitressing and clearly such work meant that skills in handling money and providing a superior customer service were essential and I feel my promotion to the head bar was a testimony of my successful demonstration of such skills and this promotion allowed me to take on tasks such as controlling cash and stock, bar presentation and staff management.

Then just list your qualifications and grades as you have done above.

Currently studying Maths and Science (YOU NEED TO STATE THE TYPE OF QUALIFICATION HERE e.g. GCSE, A LEVEL, NVQ, NATIONAL DIPLOMA ETC.) at ******** College

References available on request.

So yeah, I’ve basically taken what you wrote and edited it a bit. Feel free to use any of the bits that you think might help!!

Hope this was helpful and best of luck with the job search!! I’m sure you’ll get a job soon 🙂

Ruth asks…

Whats wrong with my CV, ive had no luck at getting a job for months!?

MY NAME
ADDRESS ETC

I am a hard working, reliable and confident person, who has a positive attitude to work life. I enjoy learning new skills and am computer literate. I have great customer service skills and I see myself as an efficient and organised person who likes to try out new challenges. I would describe my personality as been a friendly bubbly person, who loves meeting new people. I am also able to use my own initiative and work as part of a team under pressure to meet challenging deadlines.

Previous Experience in the work place: May 2007 & June 2007 I did my work experience at the Guildhall, scrutiny department. I really enjoyed this and did very well. Whilst at the Guildhall I gained experience in working on a computer, sending e-mails, photocopying, faxing, printing, making and receiving phone calls, completing case studies and projects.

August 2009 – July 2010. I was working casually for ********* catering LTD at the ********* stadium as a cashier/waitress/bar staff. This role involved working part of a team and individually, dealing with complaints and ensuring customers were happy at all times.

July 2010 – I have recently been working for ********* an events company that are based all over Yorkshire, mainly at racecourses. Whilst working at ******** I have been working on a bar, waitressing and also silver service waitressing. These roles involve handling money, dealing with customers and showing excellent customer service skills. This work is seasonal and has now come to an end. I was recently however promoted to head bar which includes tasks such as; cash and stock control, bar presentation and staff management.

Education: The school I attended was ************, from 2003 to 2008 and the Qualifications I achieved were:
Maths Exam 1 – A GCSE
Maths Exam 2 – D GCSE
English Lang. – C GCSE
English Lit. – C GCSE
Cooking – C GCSE
Textiles – B GCSE
R.E – C GCSE
Certificate in preparation for working life – Pass
ALAN Maths Test – Level 2
ALAN English Test – Level 2

2008-2010 – ****** College (at the *** Stadium)
BTEC National Diploma in Travel and Tourism – 3 A Levels

Currently studying Maths and Science at ******** College

References available on request

John answers:

Your opening paragraph is too long cut out the bit from ” i would describe my personality as …….”
you have short amount of experience in the working industry but all you need to put is the date to and from job title and duties included. Education needs to be above work experience. Good luck and i hope this is helpful. It a tough economy at the moment.

Robert asks…

Whats wrong with my CV please help!! no luck in getting a job for months!!?

MY NAME
ADDRESS ETC

I am a hard working, reliable and confident person, who has a positive attitude to work life. I enjoy learning new skills and am computer literate. I have great customer service skills and I see myself as an efficient and organised person who likes to try out new challenges. I would describe my personality as been a friendly bubbly person, who loves meeting new people. I am also able to use my own initiative and work as part of a team under pressure to meet challenging deadlines.

Previous Experience in the work place: May 2007 & June 2007 I did my work experience at the Guildhall, scrutiny department. I really enjoyed this and did very well. Whilst at the Guildhall I gained experience in working on a computer, sending e-mails, photocopying, faxing, printing, making and receiving phone calls, completing case studies and projects.

August 2009 – July 2010. I was working casually for ********* catering LTD at the ********* stadium as a cashier/waitress/bar staff. This role involved working part of a team and individually, dealing with complaints and ensuring customers were happy at all times.

July 2010 – I have recently been working for ********* an events company that are based all over Yorkshire, mainly at racecourses. Whilst working at ******** I have been working on a bar, waitressing and also silver service waitressing. These roles involve handling money, dealing with customers and showing excellent customer service skills. This work is seasonal and has now come to an end. I was recently however promoted to head bar which includes tasks such as; cash and stock control, bar presentation and staff management.

Education: The school I attended was ************, from 2003 to 2008 and the Qualifications I achieved were:
Maths Exam 1 – A GCSE
Maths Exam 2 – D GCSE
English Lang. – C GCSE
English Lit. – C GCSE
Cooking – C GCSE
Textiles – B GCSE
R.E – C GCSE
Certificate in preparation for working life – Pass
ALAN Maths Test – Level 2
ALAN English Test – Level 2

2008-2010 – ****** College (at the *** Stadium)
BTEC National Diploma in Travel and Tourism – 3 A Levels

Currently studying Maths and Science at ******** College

References available on request

John answers:

I am no expert, aside from applying to jobs myself, when I was about to graduate we had a session teaching us about CVs etc. Your CV doesn’t look too bad, but I’d change a few things.

The first thing you must do is adapt your CV for every single job you apply for. It’s all about how you will fit in and adapt to their role, rather than the other way around.

Have a look at the job specification and adapt your CV to show the qualities you have and how they relate to the job you’re applying for.

There are a lot of very standard phrases such as ” computer literate” (doesn’t tell the employer very much), “did this very well” (you probably did, but that’s your opinion rather than a fact), “showing excellent customer skills” (how???), etc.

What I also learnt was to divide work experience into “Relevant Work Experience”, and “Other Work Experience”. For instance if you’re applying to work in accounts, put the waitressing in other work experience .

Also send a covering letter with your CV every time you apply for a job.

VERY important…. Proof read, spell check and get someone else to read your CV: “I would describe my personality as been a friendly bubbly person” should be “I would describe my personality as BEING a friendly bubbly person”. Not sure I would use the word bubbly in a CV either.

Good luck!

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