Empowering Talk Radio

Archive for the Personal Finance Category

Money Issues That Plague A Marriage, Solutions To Couples’ Money Issues; Get Then Keep A Relationship

http://joanjerkovich.com/podcasts/7.18.15/7.18.15Podcast.mp3Podcast: Play in new window | DownloadSubscribe: Android | RSSPodcast Segments: Money Issues That Plague A Marriage @ 0:00 Get Then Keep A Relationship @ 5:18 Married 7 Years, Fight Over Money @ 23:41 Solutions to Marital, Couples’ Money Issues @ 42:40 Brought to you by: Martinelli’s Little Italy Dignity Care Home Freddy’s Frozen Custard and Steakburgers Sunflower Carpet One Preventative Medicine Center Sunflower Bank The Joan Jerkovich Show News Radio 1150 KSAL with Live-streaming Saturdays @ 6am & Sundays @ 9pm CST Click HERE to send Joan your Life Coaching questions Join the conversation and post your respectful comments anonymously. We learn from each other!

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Husband’s Job-Hopping Makes Wife Nervous?

Husband's Job-Hopping Makes Wife Nervous?

My husband never stays at one job for very long, and I don’t understand why. He doesn’t have a hard time getting new jobs because he’s very likable and a good communicator. Also, since he’s done so many different jobs he has a lot to offer in the way of experience. He only stays at a job for about 2 years at a time. Now that he’s in his 40’s I would like to see him settle in to one job. Every time he changes jobs he loses vacation and it’s like he has to start all over again with gaining seniority. When I ask him why he does this, his answers are always vague and something like he gets bored and wants to try something new. That, or he seems to have a minor reason for why he doesn’t like working with someone, so decides to move on. This pattern is starting to make me nervous. What can I say to him to help him see that moving jobs so often may not be in his or our family’s best interest? Truth is, although this pattern of “job hopping” makes you nervous, there are pro’s and con’s to your husband’s behavior. On the pro side is just what you said about him gaining lots of varied experience by working for different companies at different jobs. Some people move from job to job as a way to work their way up the management ladder and pay scale. These are a couple of things that can work in your husbands favor. To the negative, the biggest down side to your husband changing jobs so often is that prospective new employers will see this on his resume. An employee that doesn’t stay at any one job for very long could be looked

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Sick Of Job Of 10 Years?

Sick Of Job Of 10 Years?

I’ve been working the same job for 10 years now. My co-workers just threw me a celebration party on my anniversary. During the party I just felt like I had to put on a fake smile. I’m so sick of my job! A few of my co-worker friends know that I’m getting anxious to do something else and have been supportive. The trouble is, I just don’t know what I’m passionate about anymore. It used to be writing, then I was into fixing cars, I had a stint with making music, and I’ve even considered becoming a pastor! I’m a little all over the place. Job opportunities are plenty here, but I don’t know what fits. I’ll probably end up staying with this job until I die. Should I just give up looking for a job that excites me? Yes, you are a “little all over the place” as you say, so my advice for you at this time is to stay put. Don’t make a change until you’re certain of where you want to head, and where you want to land, once you set out on a new path. Replacing a job of 10 years often, but not always, means taking a pay cut and losing the benefits you have built up over 10 years at one job. You wouldn’t want to take that step, only to regret it later. When you mention all the activities you enjoy such as writing, fixing cars, making music and becoming a pastor, how much of those things are you doing in your leisure time? Sometimes discontent in a job points to a general discontent with how you are living your life. Choose to live your life more fully. Once again, open the door to exploring things you feel passionate about. Incorporate the

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Business: Create A Niche Market, When To Hire, Negotiate A Deal

http://joanjerkovich.com/podcasts/1.31.15/1.31.15Podcast.mp3Podcast: Play in new window | DownloadSubscribe: Android | RSSPodcast Segments: Create A Niche Market @ 0:00 Entrepreneur On Time Management, Part 1 @ 6:03 Entrepreneur On Time Management, Part 2 @ 24:35 When To Hire First Employee @ 43:26 Positive Attitude But Results Lacking @ 44:56 Be Positive At Work @ 1:03:28 Pitching A Reality TV Show @ 1:05:06 Negotiate A Deal @ 1:24:40 Brought to you by: Martinelli’s Little Italy Hospice of Salina Bennington State Bank Dignity Care Home Freddy’s Frozen Custard and Steakburgers Peaceful Body Wellness Retreat Sunflower Carpet One Preventative Medicine Center The Joan Jerkovich Show News Radio 1150 KSAL with Live-streaming Saturdays @ 6am & Sundays @ 9pm CST Click HERE to send Joan your Life Coaching questions Join the conversation and post your respectful comments anonymously. We learn from each other!

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Feeling Down After Laid Off?

Feeling Down After Laid Off?

Some days I just feel so down. I was recently laid off from my job of 5 years and I haven’t found any work yet. I feel like the only things that take my mind off it are drinking and T.V. I’m no alcoholic but it helps to pass the time. I’m single so I don’t have a family to support. I’m also getting unemployment so I’m not in financial trouble. My life was my work and now I feel totally useless. My friends all have jobs and I think they look down on me because of my situation. I’m just so bored. What should I do? First of all, don’t think that your friends all look down on you. You’re no slacker if you had a job for 5 years that you got laid off from. Stop letting those negative thoughts roll around in your head! Stop beating yourself up with your negative thoughts! Let’s talk some more about how negative thinking can get you down. Reread what you wrote, and I’m sure it’s just the tip of the iceberg over how your thinking is contributing to your feeling down…I feel totally useless…I’m bored…my friends look down on me. I’ll bet you could easily add to this list. People who have a habit of letting negative thinking steam roll their thoughts can struggle with depression and low self-esteem. Think about it. If you had someone sitting next to you saying all the nasty, degrading things to you all day long that you say to yourself, it would, understandably, get you down. That, or you’d tell them to get lost. Or worse, you’d punch them out! You need to work at “punching out” your negative thinking. Recognize it as a habit you’ve let yourself fall in to. Start noticing when

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Friend As Business Partner?

Friend As Business Partner?

I’ve started a new home business and it has finally started to take off to where I can’t keep up with filling orders. My good friend has been looking for work and has proposed the idea of us going in to partnership together. I’ve already laid a lot of the groundwork for the business and am not sure about taking on a partner versus hiring an employee. I’m also not sure about working with a friend. What do I need to consider here? First, list all the things you need help with. If the primary thing you need help with is to fill orders, this is not the job of a business partner; this is the job of an employee. If you would like to subspecialize within your business, then you may want to consider bringing on a partner. What I mean by this is that the business strengths of each partner compliment each other. Such as, you like managing the production and distribution side of things, and your partner likes managing the administrative and sales side of the business. These are the business partnerships that I have seen work the best. You have separate duties and responsibilities. That said, you should carefully consider how your two personalities mesh. A business partnership is akin to a marriage in the complexity and commitment it takes to keep it running smoothly. Also, a true business partnership takes both of you having some “skin in the game”, meaning, you both invest capital monies toward expenses, equipment etc. A true partner puts up the cash and puts their name on the business loans. I’ve had more than one person want to “partner” with me in business that had no intention of bringing any money to the table; and they wanted to take home a

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Dropping Out of School-Who Drops Out, Consequences, Help for Parents; Illegal Unpaid Internships

http://joanjerkovich.com/podcasts/10.25.14/10.25.14Podcast.mp3Podcast: Play in new window | DownloadSubscribe: Android | RSSPodcast Segments: Characteristics, Consequences of Dropping Out of School @ 0:00 Curfew After College @ 7:50 Caller Wants to Dropout @ 23:21 Dropouts, Help For Parents @ 42:11 Motivated 15 year old @ 44:58 Illegal Unpaid Internships @ 59:55 Brought to you by: Martinelli’s Little Italy Hospice of Salina Bennington State Bank Dignity Care Home Freddy’s Frozen Custard and Steakburgers Peaceful Body Wellness Retreat Sunflower Carpet One Preventative Medicine Center     The Joan Jerkovich Show   News Radio 1150 KSAL with Live-streaming Saturdays @ 6am CST   Click HERE to send Joan your Life Coaching questions   Join the conversation and post your respectful comments anonymously. We learn from each other!

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Work Hard but Can’t Get Ahead?

Work Hard but Can't Get Ahead?

What can I do about the fact that no matter how hard I work I can’t ever seem to get ahead? In these difficult economic times, I hear this all too often… so many people have lost their jobs and are struggling either to find a job or make do in a new job where their pay and benefits have been cut. Lean times come and go (or at least I remain hopeful that better times will again find us), so accept the tried and true saying of “this too shall pass”. Hold on to that hope, but also be practical in taking action to better your chances for getting ahead. Sit down and take the time to objectively analyze why you seem to be working hard, only to be left with so little in your bank account at the end of each month. If you don’t have the facts, you don’t have a starting point from which to better your situation, so write down everything using “Money In” and “Money Out” columns. Be honest with yourself in looking at whether you are overspending for your income. Case studies I’ve heard of people who’ve gotten themselves out of debt, all carried the discipline of closely monitoring the “In” and “Out” columns. Remember too that getting ahead isn’t all about watching your spending~it’s also about looking for a better job, taking a second job, or asking for that long overdue raise (Yes! Even in this economy good employees are getting raises!). Another thing you should seriously consider is going back to school for the training that will bring you a better paying job. Talk with career counselors at your local colleges and vocational schools. They can tell you which employers are hiring right now. I just heard how welders in training

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Unappreciated and Passed Over for Advancement at Work?

Unappreciated and Passed Over for Advancement at Work?

I’ve been in my job for the past 10 years and I’m in a place of feeling like I don’t get the level of support or respect in my job that I deserve. I don’t feel supported when implementing new ideas. I’ve always been one to go above and beyond with my job. I will stay late while others just show up, but no one seems to notice, and I keep getting passed over for advancement. It’s becoming hard to work in this place that feels negative to me. What can I do? There seems to be a lot of the ole, being taken for granted going on here. If you’ve been consistent with your habits of giving extra, your bosses have probably just come to expect that from you. It’s nothing new that you put in more time and effort on the job. Yes, it has to feel frustrating that you are getting passed over for advancement, but let’s talk about the two key points you make. First, you feel unappreciated for what you do at work. Let me say, I hear this quite often from my callers and have even felt this myself. We all like to be told thank you for the work we do, but the reality is that you can’t hold fast to expecting that all of a sudden your bosses are going to wake up and give you a pat on the back each day you show up for work. Maybe it’s that expectation that this is your job, this is what is expected from you, and you’re getting paid to do this. Whatever dynamic is at play here, you can be proactive by finding little ways to make sure your bosses do know what you’re doing to go the extra mile. A good

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You’re fired! How it happens, what to do.

You’re fired!  How it happens, what to do.

Getting fired or deciding to “resign” before the ax falls usually comes as no surprise to anyone. It usually happens after things have been headed in that direction for some time. You’ve gotten multiple warnings that getting late to work won’t be tolerated. Or, you’ve had that in office sit down with the boss where you heard the message that you need to play nice with your co-workers and be a team player. Maybe your hand got caught in the proverbial cookie jar where you were padding your company expense account. Or, it was found out that you “shared” some proprietary company secrets with the competition in a Kumbaya moment where you thought, “why can’t we all be friends”? You had it comin’ Whaaaat, you say? Why did I get fired? Poor me, I didn’t do anything wrong. How dare they fire me?? Let me pull you out of your denial and tell you the reasons most people get fired. I challenge you to open your eyes and see if any of them apply to you. Taken from the website beingfired.com, here are the 10 most likely things that will get you fired: 1. High absenteeism rate, being late often 2. Performing your tasks slowly and with errors 3. Unable to do your assigned tasks 4. Inconsistent and unreliable work behaviors 5. Refusing to follow directions and orders 6. Unable to get along with others 7. Drug and alcohol abuse 8. Being dishonest, espionage and theft 9. Personal business at work 10. Lying on your resume OK, you pulled your head out of your arse just long enough to recognize what got you fired, now what? Now, as you leave your job don’t tell off your boss or co-workers. Even if you’ve been waiting for this moment to point out

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