I worked for a software firm that pushed tech support quality-control and quality-rating goals hard, all year long, with the incentive of significant bonuses for those teams that met or exceeded high standards of quality.
The result? Every department exceeded expectations and did fabulously -- we even received awards from a company that monitors corporate customer service.
Unfortunately, shortly before bonus time, an email went out explaining that the company hadn't really done as well financially as they'd hoped, therefore no one was actually getting any bonus at all.
In one move they negated an entire year's worth of motivation, and completely decimated their employee's faith in the company's word and loyalty.
On the first page, where you enter your email address.
TOOL KIT ITEM SURVEY Swingline is interested in your thoughts on a new idea. This survey will take 3 minutes or less to complete and as a thank you, we would like to send you a FREE Swingline Optima Desk Stapler, worth over $20!
Thank you, in advance, for your time. Sincerely, Swingline's Product Marketing Team
My experience, while working for a health care provider for 3+ years, is that incentive plans based on specific metrics handcuffs both the manager and the employee. Since reviews were performed yearly and being that I worked in a faster moving IT department, reviewing the annual benchmarks were either found to be yesterday's news or projects that were swept under the rug due to business concerns. It did not keep pace with an ever changing business and technical environment.
I distinctly remember that one year I 'exceeded expectations' for 8 out of 8 total performance metrics or goals. The result? A 4% raise from my current salary. I laughed when I received the letter (from a manager I hadn't even heard of) because it seemed more like a COLA than a raise. Oh well.
i have a new 30 year loan . principal 60.00 a month .i can not use the tax deduction for interest .i have an extra 300.00 a month in income . with cd rates low the market likely to dive . plan on staying in house for 20 years . i started paying 60.00 to 100.00 a month extra on my principle .
i can change it if i need . i see nothing worth investing 100.00 a month in ,so for now i have been adding it to my priciple payments
I signed up for Revolution Money Exchange and have been using it for a couple of weeks now. I got my $25 signup bonus, as well as $30 in referrals. I've also used it to receive a payment from a friend for tickets that he bought from me. Nice thing was there were no fees like with paypal. I'll probably continue using it for now, it seems like a good deal so far.
Great info here! I wonder if anyone has any advice on how to find a good CPA if you're new to an area or don't have any network contacts that use CPAs.
I know my whole entire life I grew up very overweight/obese and since Bush has been in office and I have 2 kids to feed, I've lost about 130 pounds in 2 years all b/c I couldn't afford to feed myself and they REFUSE to give welfare to ANYONE that actually, God forbid, NEEDS it!!!
My Hubs is alot thinner, too and it grosses me out, could I just for once in my life be the petite one in the relationship and have a Man bigger enuff than me that he can pick me up? Anyway, we'll be phoneless and homeless, soon so I better enjoy my nets, now. OH! and did I mention my Daughter is newly diagnosed Type1 Diabetic so I REALLY have 2 watch what foods to buy and can't run for the cheap junk anymore?
GOD does my life suck!! I need a sugar Daddy, like, BBBAAADDDD!!!
I found this quick, to the point and informative. Wonderful post! Thanks for the information. Craigslist, I do find useful for many things, and many times, I forget to look there. Thank you for the excellent reminder.
I grow my hair long, and have worn it long for years: I was also a paid ovum donor. If I had the choice between cutting off my hair or being an ova donor again, I'd be an ova donor every time! Not because it was easy, but because it's far easier emotionally than cutting off my hair.
While I agree that selling hair could raise cash, just keeping your long beautiful hair can save you money, too. I save money over the longer term by having a long, classic hairstyle, not paying for frequent cuts, color, or treatments, and not buying hairdryers or straighteners.
I have this problem with my own parents. My sister and I are both grown, yet they still send us sizeable checks for birthdays and holidays - and I'm pretty sure that I earn more than both of them combined. If I don't cash a check, my mother gets terribly insulted. It's not worth the argument, so I just take it and figure out a way to subtly repay them.
They also always "lend" money to other relatives and friends who are (or should be) more than capable of coming up with their own fundage.
My sister insists that they are better off than I think, but I fear that when they are elderly or pass away, sis and I will have to deal with a lot of their financial messes.
to the customer service line just a few minutes ago to get clarification. According to their terms and conditions, by providing your information required to register for an account, Revolution Money Exchange will pull a credit "snapshot" for verification purposes (and probably to see if you are a good candidate for their credit card offers). As I guessed, this is not the same as a "hard" credit check used to obtain a new line of credit, or one that would adversely affect your score in any way. Companies do this kind of credit snapshot all the time, and if you have seen your credit report lately, will probably find that every major credit card company (including the ones you already do business with), your car insurance, health insurance, mortgage company, etc do these at least annually, if not more often.
As far as the 30 point drop in FICO scoring, unless you are certain that Revolution did a "hard" credit pull (which usually requires your explicit consent), I would be careful to attribute it all to something that can't be directly proven. Also, even one "hard" credit inquiry won't have more than a 5 point effect on your credit score (based on FICO's own system).
I would suggest that anyone with questions regarding FICO should take a look at FICO's own explanation of what "counts" and what doesn't, as well as what factors could contribute to a drop in credit score.
If you've got a regular job that's withholding taxes, you can usually just adjust the amount being withheld to cover what you're earning. The second page of the W-4 form has instructions for people with a second job.
It's hard to actually provide a rule of thumb, because the dollar amounts can be so different from one person to the next. As long as you weren't short last year (and you have at least as much withheld this year as you owed last year) you're safe from penalties. But, if your freelancing income starts small and then grows over the course of the year, you could find yourself owing a surprising amount to the government--a surprise that can be unpleasant, even if they don't tack interest on top.
And, like light, radar waves bounce around. So, you CAN detect them early enough to slow down. Also, most states require the officer to have a 'tracking history' of your speed. If you're going fast initially, then slow down quickly, the officer won't be able to document a tracking history of you speeding.
I don't actually use my radar detector as a radar detector at all. I use mine as a 'cop finder'.
I signed up for this last month and my credit score went down 30 points in one month. In the past it has never wavered more than 8 points from month to month (my credit card shows my FICO score each month in a Credit Profile section). I can't think of any other reason why it would've dropped, so I think it is actually due to signing up with Revolution MoneyExchange.
Luckily I'm not getting a mortgage any time soon, but it'd probably be best not to sign up for it if you are in the market for one.
I hope I get a red one. I hope I get a red one. I hope I get a red one. :-)
Staples quit carrying the red Swingline ones.
I worked for a software firm that pushed tech support quality-control and quality-rating goals hard, all year long, with the incentive of significant bonuses for those teams that met or exceeded high standards of quality.
The result? Every department exceeded expectations and did fabulously -- we even received awards from a company that monitors corporate customer service.
Unfortunately, shortly before bonus time, an email went out explaining that the company hadn't really done as well financially as they'd hoped, therefore no one was actually getting any bonus at all.
In one move they negated an entire year's worth of motivation, and completely decimated their employee's faith in the company's word and loyalty.
On the first page, where you enter your email address.
am I the only one who added an extensive list of things I'd like to see in the toolkit in the extra space?
The survey doesn't say we'll get a stapler. I really hope we do, but it only says a "gift."
here's hoping. I can never find my stapler when I need it.
My experience, while working for a health care provider for 3+ years, is that incentive plans based on specific metrics handcuffs both the manager and the employee. Since reviews were performed yearly and being that I worked in a faster moving IT department, reviewing the annual benchmarks were either found to be yesterday's news or projects that were swept under the rug due to business concerns. It did not keep pace with an ever changing business and technical environment.
I distinctly remember that one year I 'exceeded expectations' for 8 out of 8 total performance metrics or goals. The result? A 4% raise from my current salary. I laughed when I received the letter (from a manager I hadn't even heard of) because it seemed more like a COLA than a raise. Oh well.
*deep inhale* I'm going to have to thank you for that.
mmmmk?
greeeat.
I'm a sucker for supplies, too. And Swingline staplers are solid, and well designed.
I'm excited about this! I don't have a stapler anymore. I used to have a mini one, but it got lost. Can't wait for mine to show up in the mail!
I have a weakness for office supplies, so I'm very happy to see this offer. Thanks, Paul!
Wow, but i dont think i can sell my hair. it just seems wrong
i have a new 30 year loan . principal 60.00 a month .i can not use the tax deduction for interest .i have an extra 300.00 a month in income . with cd rates low the market likely to dive . plan on staying in house for 20 years . i started paying 60.00 to 100.00 a month extra on my principle .
i can change it if i need . i see nothing worth investing 100.00 a month in ,so for now i have been adding it to my priciple payments
I signed up for Revolution Money Exchange and have been using it for a couple of weeks now. I got my $25 signup bonus, as well as $30 in referrals. I've also used it to receive a payment from a friend for tickets that he bought from me. Nice thing was there were no fees like with paypal. I'll probably continue using it for now, it seems like a good deal so far.
Great info here! I wonder if anyone has any advice on how to find a good CPA if you're new to an area or don't have any network contacts that use CPAs.
I know my whole entire life I grew up very overweight/obese and since Bush has been in office and I have 2 kids to feed, I've lost about 130 pounds in 2 years all b/c I couldn't afford to feed myself and they REFUSE to give welfare to ANYONE that actually, God forbid, NEEDS it!!!
My Hubs is alot thinner, too and it grosses me out, could I just for once in my life be the petite one in the relationship and have a Man bigger enuff than me that he can pick me up? Anyway, we'll be phoneless and homeless, soon so I better enjoy my nets, now. OH! and did I mention my Daughter is newly diagnosed Type1 Diabetic so I REALLY have 2 watch what foods to buy and can't run for the cheap junk anymore?
GOD does my life suck!! I need a sugar Daddy, like, BBBAAADDDD!!!
I've actually found that Locks of Love is reputable:
Locks of Love @ Charity Navigator
I found this quick, to the point and informative. Wonderful post! Thanks for the information. Craigslist, I do find useful for many things, and many times, I forget to look there. Thank you for the excellent reminder.
I grow my hair long, and have worn it long for years: I was also a paid ovum donor. If I had the choice between cutting off my hair or being an ova donor again, I'd be an ova donor every time! Not because it was easy, but because it's far easier emotionally than cutting off my hair.
While I agree that selling hair could raise cash, just keeping your long beautiful hair can save you money, too. I save money over the longer term by having a long, classic hairstyle, not paying for frequent cuts, color, or treatments, and not buying hairdryers or straighteners.
I have this problem with my own parents. My sister and I are both grown, yet they still send us sizeable checks for birthdays and holidays - and I'm pretty sure that I earn more than both of them combined. If I don't cash a check, my mother gets terribly insulted. It's not worth the argument, so I just take it and figure out a way to subtly repay them.
They also always "lend" money to other relatives and friends who are (or should be) more than capable of coming up with their own fundage.
My sister insists that they are better off than I think, but I fear that when they are elderly or pass away, sis and I will have to deal with a lot of their financial messes.
how do u get the deep scratches out cause iv got one cd i really want don but cant get the deep scratches out
Can't imagine the procedure needed to move the case just to clean your desktop a bit. Seems like 30 kilos(8gl=32lt approx) or more for this thing.
to the customer service line just a few minutes ago to get clarification. According to their terms and conditions, by providing your information required to register for an account, Revolution Money Exchange will pull a credit "snapshot" for verification purposes (and probably to see if you are a good candidate for their credit card offers). As I guessed, this is not the same as a "hard" credit check used to obtain a new line of credit, or one that would adversely affect your score in any way. Companies do this kind of credit snapshot all the time, and if you have seen your credit report lately, will probably find that every major credit card company (including the ones you already do business with), your car insurance, health insurance, mortgage company, etc do these at least annually, if not more often.
As far as the 30 point drop in FICO scoring, unless you are certain that Revolution did a "hard" credit pull (which usually requires your explicit consent), I would be careful to attribute it all to something that can't be directly proven. Also, even one "hard" credit inquiry won't have more than a 5 point effect on your credit score (based on FICO's own system).
I would suggest that anyone with questions regarding FICO should take a look at FICO's own explanation of what "counts" and what doesn't, as well as what factors could contribute to a drop in credit score.
http://www.myfico.com/CreditEducation/CreditInquiries.aspx
If you've got a regular job that's withholding taxes, you can usually just adjust the amount being withheld to cover what you're earning. The second page of the W-4 form has instructions for people with a second job.
If your income is highly variable, though, Publication 505 Tax Withholding and Estimated Tax (that I linked to above), has the gory details for figuring out if you need to withhold extra.
It's hard to actually provide a rule of thumb, because the dollar amounts can be so different from one person to the next. As long as you weren't short last year (and you have at least as much withheld this year as you owed last year) you're safe from penalties. But, if your freelancing income starts small and then grows over the course of the year, you could find yourself owing a surprising amount to the government--a surprise that can be unpleasant, even if they don't tack interest on top.
And, like light, radar waves bounce around. So, you CAN detect them early enough to slow down. Also, most states require the officer to have a 'tracking history' of your speed. If you're going fast initially, then slow down quickly, the officer won't be able to document a tracking history of you speeding.
I don't actually use my radar detector as a radar detector at all. I use mine as a 'cop finder'.
SpeedTrapAhead.org
I signed up for this last month and my credit score went down 30 points in one month. In the past it has never wavered more than 8 points from month to month (my credit card shows my FICO score each month in a Credit Profile section). I can't think of any other reason why it would've dropped, so I think it is actually due to signing up with Revolution MoneyExchange.
Luckily I'm not getting a mortgage any time soon, but it'd probably be best not to sign up for it if you are in the market for one.