Preparing for a layoff 7 steps you need to take

Preparing for a layoff 7 steps you need to take Sometimes you see the warning signs coming- you got a bad performance review, or your coworkers are being laid off left and right. Whether it’s the business itself showing signs of budget cuts or just a gut feeling you have, if you’re worried that a layoff is coming your way, now is a smart time to get financially prepared for when you need a cushion to fall back on. 7 steps to preparing yourself for a job lossSpend time job-browsing each weekKnowing what companies are hiring and what opportunities are available now can help you later on down the road. It takes about three to six months to find a new job after a layoff, but if you start researching your next best job now, you can get closer to the three-month mark or even beat it.The better prepared you are for finding your next job, the better your financial situation will be. Keeping an eye out for openings of a company you’d love to work for will help you get in the right routine before the pressure is on. Eve n searching potential part-time opportunities to help keep you afloat as you find a full-time position could be an excellent option. And if your company has any networking events, take advantage! Get started on making a connection now so you don’t have to worry later.Budget nowFor some, it’s enough to make ends meet with steady employment. If you don’t like spreadsheets or math, or spending time on your budget, get over that quick. Being aware of how you spend your money can be eye-opening, and simple changes can help you stretch your dollars.  Analyzing your spending habits and challenging yourself to spend less- whether it’s eating out less or making your own coffee at home rather than buying on the way to work- can help you prepare for a job loss so you are aware of the amount you need to cover the essentials.Start an emergency fund (if you don’t already have one)Your finances should be more than a matter of simply paying your bills on time- u ltimately, you want to be able to save for the future. But not everyone is in that position yet. Even if you live paycheck to paycheck, try to pay into an emergency fund a little each week, like it’s a bill you owe to your future self. Future you, suddenly caught without a functioning hot water heater, will thank you.Get what benefits you can nowDoes your current job offer dental coverage? Go see the dentist now before you’re hit with a layoff. Same goes with your primary physician. Get a routine physical done before you potentially lose those benefits. Many jobs also offer career advancement opportunities, or other perks like a Health Savings Account or 401K matching. Figure out how you can get the most out of these opportunities now. If your company offers severance pay, calculate that into your budget to see if it will be enough to keep you afloat for several months.Build a new revenue streamAssess your skills, and explore opportunities for side gigs. Some ideas are freelancing, being an Uber driver, or bartending, but there are many ways to make extra cash each week beyond your current job- even if you simply want to sell stuff you no longer need on eBay. Finding small ways to earn extra cash will help you save more, and if you do get laid off, you will have another source of revenue to fall back on- and another opportunity to build upon.Target your debtBeing in debt means you’re paying more for something than you should because you’re paying interest over time. Many people have crushing student loan debt, credit card debt, or mortgage payments to make each month that can be hard to tackle when you’re laid off. There are temporary fixes, like deferments for student loans or transferring credit card debt to zero interest cards, but ultimately you need to make a plan to pay it off. Even consider looking at refinancing or discussing potential payment reduction plans with lenders- because the longer you delay actually paying, the more you end up owing over time.Research unemployment benefitsUnemployment benefits will differ by state and by job and can be difficult to navigate, especially while you feel the emotional and financial effects of job loss. Learning the rules a little before you’re hit with a layoff can help you prepare. Even simply figuring out what amount of money you’ll receive can help you target the budget you’ll need to stick to as you search for your next job opportunity.

Managed Care Essay Example | Topics and Well Written Essays - 750 words

Managed Care - Essay Example In other words, managed care organizations mean two things: health insurance and delivery health care at relatively low rates. There are different types of managed care organizations. Some of them are as following: 1. Health Maintenance Organization (HMO): This is tipped as the first form of managed care. HMOs refer to organization wherein insuranceplans, hospitals and physicians are either closely related or are a part of the same organization. An important example of HMO is Permanente. An HMO has completely charge of the hospital including the salaries paid to the doctors In case of emergency, patients using the HMO plan have to use the plan affiliated care provider. The biggest advantage of the HMO plan is that it offers a fixed amount of money that can be spent on the patient. This in its own restricts the patients and physicians and they tend to opt for the most cost effective treatment or drug. Thus, one ends up paying less for an HMO plan compared to the rest. The biggest disa dvantage also emanates from its biggest advantage. HMO plans tend to focus more on cost control then the quality of care. 2. Fee-for-Service or FFS: This type of plan gives a lot of liberty to the patient. It gives them the freedom to choose their preferred doctor or health care provider. Physicians then get the fee for each and every service including the visit, the procedure and the tests. However, here freedom does not trump cost. Patients opting for this type of plan end up paying more. 3. Independent Practice Association, or IPA: In this kind of association, physicians are completely empowered. They can have patient from the HMO and FFS plans. 4. Preferred Provider Organization, or PPO: In this type of plan, the rates are low but physicians get more patients to deal with. This kind of plan works both ways. Patients not just get better care and freedom but they also get it at lower rates. On the other hand physicans get more business. Both sides benefit in this type of plan. 5. Point of Service Plans, or POS. This type of plan resembles the HMO plan in many ways. Here the doctors do not have to work in specific hospitals. They tend to receive compensations based on the number of patients they are handling per year. It is per patient per year compensation. References Managed Care Magazine (2000). Capitation Rates See Large Boost. Retrieved on July 26, 2010 from http://www.managedcaremag.com/archives/0012/0012.compmon.html. Managed Care Magazine (2000). Capitation: an update. Retrieved on July 26, 2010 from http://www.managedcaremag.com/archives/0005/0005.compmon.html. Managed Care Magazine (2000). Physician Financial Incentives: Another UM Tool Bites the Dust. Retrieved on J

Book review on Song of the Hummingbird Essay Example | Topics and Well Written Essays - 750 words - 1

Book review on Song of the Hummingbird - Essay Example s set about sixty years after the fateful intrusion of Tenochtitlà ¡n-Mexico by Cortes, which earmarks the inevitable fall of curtains on the life of Huitzitzilà ­n. At the time of narration, she is a guest at a Catholic monastery in Mexico City where she wants to make her final confession. A young priest by the name of Father Benito is sent to attend her in order to absolve her from her sins before dying. However, the flow of the story develops into a clash of titans, Huitzitzilà ­n and father Benito, where it can no longer be termed as a confession. In her wisdom, Huitzitzilà ­n knows very well that the recount of her story cannot go undocumented and therefore she creates a platform to tell her side of story. Her perspective of Mexico conquest is an eye witness version from a conquered person’s point of view. There are numerous humorous and captivating scenes in the book, such as the lengthy religious debate between the priest and the protagonist. In this debate, Huitzitzilà ­n talks of events like Montezuma, the women’s cleansing ceremony performed at Tonantzin’s Temple among many others. The author uses the fictional autobiography of Huitzitzilà ­n in these scenes and many others to disparage European exploitation of the Mexico people. On his part, the priest is able to listen to Huitzitzilà ­n confessions to the point where he cannot take in the details of the stories and runs in protest and ashamed. The author appears to be asking readers to imagine how Mexico would have been in the present day if its culture had not been destroyed. However, this novel does not revolve around destruction but rather it is about the survival of the indigenous people and their culture. Many novelists in US have been in the habit of using poetry and narrations to reconstruct the almost forgotten histories of the indigenous people. However, this novel is cleverly informed by intricately interweaving fiction and historical facts which converge at some point in time. As much as

Reproductive Health in Nursing Essay Example for Free

Reproductive Health in Nursing Essay Reproductive Health Bill was introduced by Congresswoman Bellaflor J. Angara -Castillo is also known as  ³Reproductive Health Care Act of 2002 ´,assembled at Senateand House of Representatives of the Philippines, and now known as House Bill 5043 of 2008. It ¶s been years since the bill was approved in the senate, due to some churchconflicts, biomedical ethical issues and some scientific research conflicts. Today thereare still lots of Filipino citizen who are now fully aware about this bill and why this billwas imposed.Before I write this reaction paper I had to read the Bill twice and read somearticles, reaction and comments in the internet I had read books and research which isrelated to reproductive health, sex education and Bioethics, for me to fully understandwhat was the RH bill all about and the reason of the creation of this bill. Poverty, the main problems that the Philippine is facing today and they say thatthe primary factors that lead to poverty is due to overpopulation, the Philippines has apopulation of 64,318,120 in 1990. Today the population is ballooning and estimated toover 94 million according to latest census and the top 12 th  country having the mostpopulation. The population is growing by about 2 percent a year, giving the Philippinesone of the world ¶s highest population-growth rates.This is one of the reasons of the creation of the Reproductive Health bill to give asolution to poverty by eradicating the overpopulation problem, by implementing familyplanning, sex education and prevent the sexually transmitted disease.

The Transformation of Hester in The Scarlet Letter :: Scarlet Letter essays

The Transformation of Hester in The Scarlet Letter The Puritans came from England in the sixteen hundreds to break free from the laws and regulations made by the king of England. In the new world, they were able to practice their own form of religion. The Puritans believed in God and His laws. "A Young Puritan's Code" was "Being sensible, that I am unable to do anything without God's help, I do humbly entreat him by his grace to enable me to keep these resolutions so far as they are agreeable to his will, for Christ sake." (Jonathan Edwards) And they had over fourteen resolutions to keep. Although this is Jonathan Edwards interpretation, it was most likely the way the Puritan lived. And they probably obeyed it out of fear for their life. For sinners are in the hands of a angry God. Many years later Nathaniel Hawthorn was greatly interested by the Puritans. This 19th-century American novelist, was born on July 4, in Salem, Massachusetts, and died May 11, 1864. He was the first American writer to apply artistic judgment to Puritan society. He was intrigued by the psychological insight into the complexities of human motivations and actions. In The Scarlet Letter, he expressed one of the central legacies of American Puritanism, using the plight of Hester Prynne and Arthur Dimmesdale to illustrate the conflict between the desire to confess and the necessity of self-concealment. Hawthorne grew up with his two sisters and their widowed mother, and an uncle saw to his education at Bowdoin College. In 1852, Hawthorne wrote the campaign biography of Franklin Pierce, an old college friend. The best of Hawthorn's early fiction was gathered in Twice-Told Tales, Mosses from an Old Manse, and The Snow-Image. These capture the complexity's of the New England Puritan heritage. Hawthorne's writing had a wide range of influence upon people, such as Melville who dedicated the great classic Moby-Dick to him. One of Hawthorne's most famous novels is The Scarlet Letter. One of his characters (Hester Prynne) is changed throughout the novel. Hester changes three different times, from being a shamed woman to a capable women and then to a healer. Hester Prynne emerges from the prison, proud and beautiful wearing

Comparison and Contrast

Long Distance Relationship Relationship is built when a man and a woman want to make a commitment between them and hope to make their relationship last forever. Everything will bee done in order to make their relationship keep going until marriage. On the other side, there is a kind of relationship between people who live separately far away but they keep having relationship between them in the name of love, trust, and faith. That kind of relationship we call it long distance relationship. Not all of LDR (Long Distance Relationship) couple can make it through until marriage.They have bigger problems than couple who don't live far away and can meet each other easily. The problems are the distance where they live are far away, they need to spend more money to keep commonicating each other, and the worst is they can cheat each other. They will meet those problems which can cause them to break up. The first problem in LDR is actually the distance. They live far away and they can not meet each other everyday. When those couple live separately far away they will suffer for some things like loneliness, miss each other, and they can not share the same thing and time together.How a man can cheer his woman up when they live far away? This kind of thing will effect to their feeling in relationship. The only way to keep contact each other just by phone or texting message. When they see a couple who always spend time together in weekend the LDR couple will feel sad because how can they have a relationship but it is hard to meet each other. Those kind of thing will cause them to fight and they need to more understand each other about this kind of relationship.Then second problem is they need to spend more money than an usual couple. When the distance come as the problem they need to spend more money to meet their couple who live far away. They have to take transportion for example by plane for those couple who live different country. They need more money to buy tickets, the expensive phone bills, and internet. In order to make them keep contact each other they need to send messages everyday or when they are missing each other they will have a phone night call to hear their couple voice.Meanwhile, for those couple who using internet they can use skype, twitter, or facebook. They use skype in order to see each other face instead of go to their place who live far away. Besides money, it really need to spend more time to communicate each other and it might distract their activities such as work, school, or house things. When their lost of time to communicate each other by phone or internet it will raise the couriousity for them because LDR couple will have more bad feelings and couriousity because they never meet each other.The last thing and even the worst thing is they can cheat each other without think about their couple feeling who live far away. Not all of people can survive from this kind of relationship. They need to meet the person who they love, s pend time together, and share the same thing which the like. Therefore, they want to have an usual relationship who can make them always bee together with their couple. The man or woman who can not get rid of this kind of feeling will cheat behind their couple.

Analysis Of The Poem Wild Swans At Coole - 1004 Words

Yeats’ ongoing struggles and his search for truth are evident in the increasingly complex form of his poetry which challenges existing perspectives on mortality as well as philosophy on beauty and art in order to find new ways of perceiving the world. In ‘Wild Swans at Coole’ (1919), Yeats urges his readers to discover the inevitability of mortality through the guidance of his personal questioning; transience of natural beauty and art also encompasses an aspect of his search for truth. ‘Among School Children’ (1928) is a continuation of Yeats’ searching process as he encourages further insights by revealing acceptance of mortality and beauty of unity through sophisticated, modernist manipulation of poetic features. In WSAC, Yeats forces†¦show more content†¦In the last stanza, the composer expresses his sense of loss and uncertainty through the metaphor of the swans having ‘flown away’ from him. The swans symbolising vitality and life, flew away from the persona, reflecting uncertainties of loss. Symbolism is an experimental, modernist technique in poetry at the time. Through symbolism, Yeats encourages more varied interpretations of his message, thus expecting his readers to develop individual perspectives of the reality. Hence, beyond representing persona’s vanishing fertility, the departure of the swans may also denote the losses experienced by the world, yielding to the controversial time of the poem’s creation. In ASC, Yeats accepts human impermanence and expresses his resolution to face mortality with a calmness of heart while continuing to question the world through manipulation of poetic form. The poem opens with the persona ‘walk(ing) through the school room questioning’. On a literal sense, the persona is inspecting a school but metaphorically, the school rooms represent Yeats’ stages of life: walking though the individual class rooms symbolises the process of stepping across time and space. The opening ambiguity of the poem immediately conjures questioning, aligning readers’ search for meaning with Yeats’ state of contemplation. Contrasting to the opening of WSAC, instead of agonising about passing of time, Yeats