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Is the Slowing Economy GOOD for Older Managers?
Certainly age discrimination exists out there in the cold cruel work world and, as a result, 50-something executives and managers might not want to throw out their Grecian Formula just yet. But might there be a, excuse the expression, “silver lining” to slowing economic times when it comes to all those middle-agers suddenly cast out there onto the tightening job market? According to a survey from Challenger, Gray and Christmas, the Chicago-based outplacement firm, there may very well be.In a comparative look at jobless professionals possessing 10 years or more experience in managing, the firm learned that such job-hunters required only 2.5 months to find a new job in the fourth quarter of last year vs. 3.7 months in the final quarter of 1999, just one year earlier. Since the typical jobless candidate Challenger studied was 46 years old, with 8 years at his or her last position, earning $78,000/year on average, the implications for reverse-ageism are significant.“Perhaps what we are seeing is that compan

n-solicitation agreement:

1. If you are considering signing a non-compete or non-solicitation agreement, be prepared to live with it as written. You may not be able to afford a court action to attack it. Even if you can fight the contract in court, Judges have a wide range of discretion and are unpredictable in how they will handle one of these contracts.

2. Do whatever possible to avoid signing a non-compete or non-solicitation contract. Make an initial stand that you won’t sign and see how flexible your employer may be. If you they want you bad enough, they may be willing to live with a trade secret agreement instead.

3. If for

Obtaining A Mortgage Can Be Simpler Than You Might Think
People obtain mortgages for various different reasons: for some, a mortgage is a form of investment or financial security, while for others it's a way to better manage their money or cut their outgoings. But whatever the motive, a mortgage is often a daunting financial venture - and one which should be considered with utmost precision. Ask yourself what you want out of a mortgage plan: is your objective to manage debt or simply to raise capital for future financial security? Are you interested in enhancing a significant 'short-term' financial venture, or are your monetary aspirations more long-term? A foundation of reasoning will help you wade through the process of obtaining a mortgage - particularly in its early stages. When you're ready to begin looking into mortgage plans, it's important to take your time and consider your options. To begin with, endeavour to understand what each type of mortgage offers; in doing so, you'll also find tailored - and potentially beneficial - plans within each

A non-compete contract is an agreement signed by an employee where he or she agrees that they will not engage in certain employment within a certain geographic area for a certain period of time after they quit or are fired. Likewise, a non-solicitation contract binds the employee not to contact the employer’s customers or remaining employees under the same conditions. These restrictive contracts have become more prevalent in Michigan, especially in the technology sector where companies believe they have legitimate business interests that need to be protected.

Non-compete and non-solicitation contracts created a number of very difficult issues for the employees. And it is not just upper level workers who are often muscled into signing such contracts. It should not surprise anyone that companies have tremendous leverage to force business owners, upper level executives and lower level workers to sign these restrictive contracts.

Many employers require that the employee sign such an agreement in order to obtain employment, or after they are hired, in order to keep their job. Unfortunately, most employees believe that they have little or no leverage and sign these contract with little thought, review or negotiation. In far too many instances, employees are willing to do anything to secure a good job and naively assume that they will work there forever. They are wrongly informed that such contracts are unenforceable, or assume the non-compete won’t ever affect them.

Much of the mythology and confusions surrounding non-compete issues today, is because Michigan’s view of non-competes has changed over the last two decades. Michigan courts used to view non-competes as anti-competitive and, thus, unenforceable in Michigan. This all changed in 1987 when Michigan passed Section 4(a) of the Anti-Trust Reform Act. It is now the public policy of Michigan to enforce reasonable non-competition provisions in employment contracts.

So, what do you do if presented with a non-compete or non-solicitation contract by your boss or investor group? Often times, the non-compete contracts pushed in front of the employees are extremely broad and effectively preclude employees from working within the entire market altogether if their employment should end for any reason. Other non-competes might allow the employee to work in their chosen field of expertise, but only if they are willing to move to a different state, beyond the competitive territory of the employer.

Here is my top 10 list of employee tips if you find yourself staring down the barrel of a non-compete or non-solicitation agreement:

3. If forc

Signature Loans – For Easy Hassle Free Borrowings
There is a sea change in the way borrowings are done these days. Gone are the days when all the formalities were to be rigorously completed before a loan was considered for approval. Now lenders have gradually pruned hurdles in offering a loan. Signature loans are one such instance. Signature loans are considered as easiest to avail amongst all loans. Just put your signatures on a piece paper and here is signature loan in your pocket. What is more, your signature is considered as sufficient to take care of your bad credit as well.Signature loans providers do not ask for collateral. Your signature itself is taken as security of the loan. So, lender is solely dependent on the promise you make for timely repaying of the loan. In other words main base of signature loans is lender’s confidence and faith in the borrower. The more a borrower enjoys the lender’s faith the easier it is to take signature loans.Since signature loans are provided without collateral, the loan is ideal for tenants, non-homeowners and

issues for the employees. And it is not just upper level workers who are often muscled into signing such contracts. It should not surprise anyone that companies have tremendous leverage to force business owners, upper level executives and lower level workers to sign these restrictive contracts.

Here is my top 10 list of employee tips if you find yourself staring down the barrel of a non-compete or non-solicitation agreement:

3. If for

How To Prevent Spam On Your Internet Forum Board
Spam in forum boards consists mainly in two activities, that are the following ones:• Spam Threads • Spam Member ProfilesSpam threads are new topics in which spammers put lots of links, usually pharmacy drugs and sex related, in order to obtain links for their websites and gain some traffic from the search engines.This activity, apart of being illegal, it is totally deprecated because it promotes website that may potentially sell dangerous products, scams or could even bring to phishing sites.Moreover, letting those links stay alive on your forum board may let your pages on being penalized, if such links are categorized as “bad neighbours” from the engines.Last but not least, users seeing too much trash on your pages won’t return on your site anymore, and you will progressively lose traffic along with having your content quality drop to nothing.For such reasons spam prevention is essential in order to keep your forum board tidy. Therefore the main question is: ho

ng to secure a good job and naively assume that they will work there forever. They are wrongly informed that such contracts are unenforceable, or assume the non-compete won’t ever affect them.

Here is my top 10 list of employee tips if you find yourself staring down the barrel of a non-compete or non-solicitation agreement:

3. If for

Where to Search For Quick Unsecured Loans
Today, in order to cope with the every day expenses we need funds from some external source. And an obvious alternative is seeking loans. But, we all are completely aware of the time consuming process of finding approval for loans. What if you are stuck with a financial emergency, what to do, whom to ask for help in such a critical situation? Well, to deal with all such emergencies, now, there are quick unsecured loans. You can make use of these loans for all your needs. However, before taking up quick unsecured loans you need to know all the relevant details about it. So now, we will be discussing all such relevant issues in detail.As implied by its very name, quick unsecured loans are unsecured in nature. It means that these loans do not mandate any of your assets as collateral to secure the loan amount. There is no asset, which means no need of evaluation of property. Thus quick unsecured loans save much of your time and some money, as well.The rate of interest of quick unsecured loans can be a bit h

ts.

Here is my top 10 list of employee tips if you find yourself staring down the barrel of a non-compete or non-solicitation agreement:

3. If for

Getting Out of Debt - Military Debt Relief
Don’t let the easy access of obtaining credit cards drive you in debt. Often time, people take advantage of the easy access to credit cards and run up a large total with not having any plan or money to pay it off. The interest rates are usually high making it more difficult to pay off.Often time’s people will switch from job to job until they finally enjoy what they are doing. If they had been contributing to a 401(k), many will borrow from it or cash it out when the leave the company.With the price of real estate on the rise, people will often times take out home-equity loans which offsets most or all of the potential rise in their wealth by more debt.The average credit card carrying household carries more than $8,000 in credit card debt. The interest rate typically runs around 17%, which comes out to about $1400 a year in interest. Say for instance, instead of paying that interest, you invested $1400 a year earning 8% annually, you’d have almost $160,000 after 30 years.If you are re

n-solicitation agreement:

3. If forced to sign a non-compete, negotiate the terms as narrowly as possible. Make sure that it is reasonable in its scope (duration, market description, geographic region).

4. Remember, the employer must have a legitimate business interest to protect. Force the employer to tell you exactly what they are attempting to protect. Typically this means protecting trade secrets, confidential information or an investment in an employee’s training and skill. Get it in writing. If you are never exposed to any such information or do not receive the training, you will be in a good position to have the non-compete declared invalid.

5. If forced to sign a non-compete, obtain extra compensation, a signing bonus or compensation for a period after your employment ends (severance package).

6. Try and avoid non-compete language, in favor of a non-solicitation clause, which precludes you from instigating contact with your employer’s customers if you should leave. Properly drafted, this will still allow you to go work for a competitor and will also allow customers who contact you to be serviced by you moving forward. It is much easier for a new employer to insulate you from contact with certain customers, than to find a position for you which does not compete against your former employer.

7. If you are forced to sign a non-solicitation clause, make sure to distinguish between customers which you bring to the employer, and customer provided through your new employer. Only agree not to ‘solicit’ customers after you leave. Don’t agree not to service them if they seek you out, or are already customers of your new employer.

8. Never agree to pay the employer’s attorneys fees if you should choose to challenge the non-compete. Oftentimes, employees are forced to court to request the Judge to limit the non-compete terms. You are going to have to pay for your own attorney’s fees; you don’t want to have to pay for the employer’s attorney as well.

9. Monitor employees who leave the company while you are still employed there and determine whether or not the company is forcing the non-compete terms against those employees. Companies may not “cherry pick” employees to enforce a non-compete. If you can show that the company failed to enforce the non-compete against others, your non-compete may become unenforceable.

10. Make sure you tell any prospective employer if you have signed a non-compete agreement. It doesn’t do any good to obtain a new job and have your new employer receive a threat letter 30 days into your new employment. It is better to be up front and allow your

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You probably already know what payday loans are - who has not seen the ads on the Internet, on TV, or in the mail? They seem to be just about everywhere. Yes, the interest rates on some of them can be rather high, too. But did you know that there is a way that you can get one free?

Secured home equity loans are considered as source of cheapest finance. The loan is more secured for lenders as compared to other secured loans. Hence the interest rate also is lower and way below than other secured loans. Read the article for beneficial aspects of the loan.

People who overspend often share the same characteristics. Not every consumer struggles with overspending. Yet, if you do, you know that it isn't an easily won battle. Shopping can be a truly complex addiction, but it can be controlled.

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