Reinke Faces Life

*** begin quote ***

How do you settle into a good job with prospects instead of falling into the “McDonald’s” category ?

Im 19, went to college to study IT, did my year course in it and now i’m stuck. I’m in and out of just stupid places with no real place to end up. Iam still not sure what i want to do as a career but i thought doing a course in IT would benefit me as nearly all jobs have computers involved. I dont want to be 30 and scanning tills, any advice ?. Where you in a ever similar position to this ?

*** end quote ***

I’ve been working in IT for decades and I’m still learning. How you learned it in one course is astonishing? And, you’re young; so there’s lot left for you to do.

One never “settles into a good job”. You’ll have, if the averages are right, between 5 and 10 “jobs” during your 45 year working career. You’ll have good jobs, bad jobs, and jobs somewhere in between. Get ready for a roller coaster ride.

May I suggest my “patented copyrighted and often repeated” strategy? (Just jesting)

You need an education for a white collar job, a blue collar skill, and one or more “internet businesses”? Off to school to get a degree. And, get that white collar job.

Don’t spend a lot of money getting skills or education. Often employers had tuition refund and employer provided. As a matter of fact, be ruthless about not getting into debt. Work relentlessly for several reasons — to learn “stuff” — earn money — get experience. Get a blue collar skill — plumber, carpenter, electrician — to fall back on.

And, since you’re now a computer expert, or at least computer literate, look into creating an internet-based business. Don’t spend money on scams. But try to sell “stuff” on ebay. Help others get their businesses on the net. Do things like that.

I think you’re in a great place. You’re young with endless opportunities. Start seizing them.

I’m around for further questions, or dialogue. Let me know how you make out,

# # #

References:

http://www.lewrockwell.com/north/north303.html
http://www.lowestcostcolleges.com/
http://www.lewrockwell.com/north/north524.html
http://www.lewrockwell.com/north/north533.html

# # #

UPDATE 31 May 2007 @ 13:30 edst This answer was selected as “best”. Happy dance time.

# # # # #

*** begin quote ***

Free Advertising For My Purse Party Buiness???

I’m looking for free or very cheap ways to advertise my purse party business. I’m looking for local and nationwide ideas! Any suggestions would be great!

*** end quote ***

Well for under a fifty bucks, some sweat, and a few months calendar time, imho, you can get “known”. I’d suggest a blog as the underlying engine for your biz advertising.

(1) Check for an available domain name you like (www dot party purse business dot com), but don’t buy it yet.

(2) Get a free wordpress blog at www.wordpress.com. Sign up as PartyPurseBisuiness blog. Or whatever domain name you decide on.

(3) Buy the domain name feature from wordpress for $15 — it includes the registration of the domain name. (How’s that for cheap)

(4) You now have a web site and a domain name. Use the blog part to put fresh content on your blog. Put something meaningful there daily.

(5) Use the static pages part to put picture or stories or prices or events out on your “site”.

(6) Sign up for the free Gmail for Domains and get email via your domain. You can be party.purse at pursepartybusiness dot com.

(7) Sign up (free) at the various blog directories.

(8) Submit to the search engines

(9) Use the search engines to “find” yourself which improves your site in the search engines eyes. :-) [That’s circular reasoning! By telling the search engine to look for me and finding it, it makes me more find-able by regular people.]

So you’ll have a professional website with up to date content for cheap.

Yell if you want help with it. And, let us know how you make out.

# # # # #

UPDATE 30 May 2007 @ 14:35 edst This answer was selected as “best”. Happy dance time.

*** begin quote ***

I am starting college this fall, advice needed please?

*** end quote ***

(1) Plan to be “balanced”. Eat, exercise, and sleep in normal proportion. Mange your time well. Do the big things first and fill in with the less important.

(2) Keep a written record of every person you meet in your travels. Try to “connect” with as many as possible. They can become your “network of contacts” in the future.

(3) Be ruthless in your financial discipline. You can bury yourself in debt. Think Return on Investment. Seek to earn some money with your education as it progresses. It’ll help later on getting a “real job”.

(4) Pick your major, minor, and electives with your future employment in mind. Your while collar job will provide the big component of your earnings in the future. Choose wisely.

(5) Try to pick up a blue collar skill that will allow you to earn money if you’re laid off of your white collar job and have some time to spare. Never saw a “poor” plumber. Pick something you like and make it fun while putting some coins in the bank.

(6) Be alert to any internet based business that you can “do” in parallel to the all the above activities. Look for synergy between the activities such that you can recycle, reuse, or repurpose. Write a paper for your college course, offer it to a blog – publication – other outlet.

(7) Have fun, (but not too much); it’s the “best time” of your life. Live it to the fullest.

I’m green with envy and wish I could do it again with what I know now. :-) But life doesn’t work like that. I can state authoritatively that the “woulda, coulda, and shouldas” will KILL you later in life. Don’t miss anything.you would, should, or could try. Consistent with good judgment.

Let us know how you make out.

# # # # #

Update: Voted “best”. Yeah! More menaingless points!!!

*** begin quote ***

How am I ever gonna retire early? I really want to but I’ll be like 35 when I finish paying for college?

PLUS, life expenses and stuff, I really am willing to SAVE UP ALOT. I’m not sure my job will have a 401K so what should I do to be able to put A LOT of money aside and retire by the time i’m 50? IRA’s kind of suck they only allow 4,000 YEARLY. And I don’t wanna gamble my money away by investing in stocks which I know absolutely nothing about. Does this have no solution whatsoever?

*** end quote ***

Well, of course it has a solution. The answer is “it depends”. It depends upon how much you want what when.

College debt, life, and then retirement.

How early do you want to retire and what do want to give up for it?

I suggest that you need a blended solution. You have three priorities to balance — college debt, life expenses, and retirement savings. One thing you’ll have to avoid like the plague is credit card debt.

My standard answer for success in the future is that you need a ruthless dedication to financial discipline (i.e., earn money, save, invest, and keep everything working for you; no lazy money), a good white collar job, a blue collar skill like plumbing, and one or more internet businesses.

Roth IRAs are fantastic. You can accumulate gains tax free.

I think you need to do debt repayment, retirement savings, then allocate whatever’s left. You can get extra work and bank the difference. It’s about tuning and discipline.

I’d suggest you use Vanguard low expense mutual funds or etfs to do you saving in. Don’t try to be too fancy. Focus on getting it into the accounts and left he market work over time.

I won’t be around to see how you make out, but stay flexible and discipline. Where ever I am (upstairs or down), I’ll be rooting for you.

# # # # #

Update 2007-05=24 at 2200: Notified this was the best answer as chosen by the asker. Happy dance time!

Me, doing my happy dance. See the moves?

*** begin quote ***

Can someone take out a mortgage on your home without you knowing?

I got a phone call, left on answering machine, talking about a mortgage. I do not have a mortgage on the home . I am just worried that someone could fraudulently get a mortgage on my home. With people stealing identities how easy would it be?

*** end quote ***

ABOSLUTELY! One of the first indications of identity theft is when strange debts are recorded to “you”. In fact. there’s a horror story cited below. There’s a reason that most credit experts advise that you check your reports as often as you can. That’s discovery of bad things before they go to far. My credit card issuer verifies all purchase more than X dollars with a follow up call. Sometimes annoying but worthwhile. Depending up your state, you can get some reports for free, block access to your “identity” with a password, or other things that come with your location. As a NJ Notary, I am very sensitive to fraud. A notarized power of attorney is gold to a fraudster. I’d suggest that you guard your signature. I use one on “financial” documents and another as a throw away. That is when I charge at Home Depot, I use “fjreinke”. When I open a bank account, I use my full name “ferdinandjreinke”. It’s a little trick but I like it. Also, never use the same password everywhere. Also, when you give answers to security questions, lie. You have to remember your lies, but that a small price. I’d love to see the scammer’s face when he answers the security question “what’s your wife’s name” and gets told the right answer is the wrong one!

Source(s):
http://www.privacyrights.org/cases/victi…

UPDATE: Best Answer – Chosen by Asker

Asker’s Rating: star star star star star
thank you ev1 some really good info

*** begin quote ***

I want to buy stock/share for $700 long term investment?

Can Anyone let me know, Because I want buy the stock for long term investment, I am thinking to buy walmart stock.
Please let me know the sugestion, I dont like to trade, I want to keep it for 2-3years.

Which stock that are good that 2-3 years investment.

*** end quote ***

Seven hundred dollars, while it might seem to be a lot, isn’t. You can’t get into the game with that stake. Further, long term in the stock market is ten to twenty years. That’s based on the conventional wisdom that the market hasn’t “lost” in any ten year period in modern time. May I suggest that if you are adamant about WalMart for three years that you consider using http://www.foliofn.com/index.jsp… that would allow you to get in and out without being eaten alive. Don’t get me wrong, just because you can do something doesn’t make it a good idea to do it. I’d suggest a CD until you learn more and have more.

UPDATE: Best Answer – Chosen by Asker