Unknown's avatar

Give Them A Break!

If you are in business, or even if you have the latitude as an employee, there are less obvious ways to increase the chances for more business and a better reputation.

And one good one is? Give customers a break when the opportunity arises! No, this isn’t about offering discounts en masse. It’s about giving breaks in certain, usually individual, circumstances.

For instance, I build resumes for people on the side. I charge $30 for a one to two page resume and usually charge $5 for making changes later on if there are more than one change or if the change is somewhat substantial.

But, one time, a customer sent me his resume and wanted me to make changes as I saw fit. However, his resume was good as it was and I only needed to make a very minor date change that he’d told me about. So, since it only took two seconds, I let him know that there’d be no charge. He was pleasantly surprised by this and I’m guessing he probably told a person or two. Yes, I could have charged him at least my $5 minimum, but I chose not to. Why?

Because it creates good “Karma”. Maybe it won’t lead to more business, but then again it might, even if it’s just from him. You see, at the very least, he knows I’m not this hard case who will charge just for contacting me. And if he needs a new resume, he may just remember me.

When a business, especially a small business, does something like this, they do get remembered, even if it is after a while. And, when those customers who’ve gotten those breaks talk about it, even if it’s just a casual mention, it acts as free advertising.

And, if you’re an employee whose been given the latitude to cut people breaks at times, do it! It can mean a good comment for you on that comment card or online survey, or even a letter of commendation sent to your boss or someone even higher up, leading to a raise, promotion, or both, for you down the line. And, as an employer, it’s a good idea to give a trusted and proven employee just that kind of latitude.

As the recipient of some of these breaks, I do make mention of the good deals and breaks I’ve gotten, as well as a list of people and places to go to where I know I’m going to be treated well, instead of as just another pigeon to pluck! And, I’m quite sure that I’ve gotten some business as a result of my cutting someone a break.

And, speaking as a small entrepreneur, I know that any free advertising helps!

So don’t forget to cut some breaks if you’re able to. It can really help the bottom line, in more ways than one!

If you like what you’ve read here, please let others know of this post, blog, and site!

And thanks for reading!  🙂

Unknown's avatar

Our Brains: What We Really Have

You’ve put the cat in his room and have closed the door, so he won’t get into things while you sleep. All you had to do was to close the door. Then, later that night, there’s the smell of smoke. It wakes the cat, but he can’t get out of the room to warn you. Luckily, something else wakes you and you smell the smoke, locate its source, and prevent the fire.

Now, let’s say you had no cat but a 5-year-old child. And, like the cat, you’ve closed the door to the child’s room. Like the cat, the child wakes up, smells smoke, and opens the door and wakes you in time, something the cat could not do or think of.

That’s because of our brains. We’re so caught up in our lives, that we seldom think about the advantages that our brains give us over the other animals.

Oh, they’re obvious enough to us to the point that we never ask our pets to bring us a glass of water, but we don’t really think about it. Especially when it comes to comprehension, which I believe might be the true 6th sense.

And yet it can be seen in even seemingly unimportant things.

For instance, when I was much younger and living at home, we had various dogs, including 3 greyhounds at one point. It was quite cold one night and my folks put blankets over the dogs so they could keep warm. Of course, overnight, the dogs would move and the blankets would come off.

So, when I awoke first that morning and noticed the now uncovered dogs still sleeping, my thought was that I wished that they could think of grabbing the blankets with their mouths and pull the blankets back up over them.  A human child would have thought to reach for the blanket and cover himself again. The difference amazed me then and still does now. And I realized just how powerful this ability, that we humans have, to think and comprehend really is.

And while chimpanzees and dolphins have shown signs of having greater comprehension than other animals, they still don’t have it to the extent that humans do.

And it’s quite a gift. To see a stick and know immediately that you can use it to pry up a rock, or to see the notepad that you have and immediately know to use it as a temporary shield against the sudden rain as you run to your car.

Just something to think about.

If you like what you’ve read here, please let others know of this post, blog, and site!

And thanks for reading!  🙂

Unknown's avatar

Friday the 13th – An Unlucky Day?

Well, today is Friday the 13th, 2015. And it’s the second Friday the 13th this year. It’s generally considered to be an unlucky day. Sure, it’s just superstition, but some people really believe it!

When I was a kid, I knew someone who at least acted like it was an unlucky day for him. If he was riding his bike and it was Friday the 13th, he would crash. I don’t know, in retrospect, if he was just using the date to get attention, or if he really believed in the unluckiness of the date and was inadvertently setting himself up for misfortune as a result.

So, is Friday the 13th really unlucky? I don’t think so, except possibly for those who do believe it. What about for those whose birthday happens to be on Friday the 13th? Well, it turns out that if Friday the 13th happens to be your birthday, it’s supposed to be a lucky day for you.

But in reality, the myth of Friday the 13th is just that. A myth. Just like broken mirrors supposedly bringing 7 years’ bad luck and black cats crossing your path bringing bad luck.

So stop worrying and enjoy your day. Even if it is Friday the 13th.

If you like what you’ve read here, please let others know of this post, blog, and site!

And thanks for reading!  🙂

Unknown's avatar

Think You’ve Seen All of Your Home Town?

So, you’ve lived in your current home town for a long time now, and you think you’ve seen all there is to see, right? Well, guess again! Chances are you probably haven’t. Just pick up a local map.

If you look long enough, you’ll probably see lots of little places right in your town that you’ve never really seen. You may have passed by them many times, but you haven’t really seen them. And they can make great local trips. Some of them might be less than 5 minutes away from you!

Kelly Point Park

Kelly Point Park

 

I’ve lived in the Portland area for over 11 years now and I’m still finding little spots, like Kelly Point Park, pictured here, that I hadn’t seen before. Before moving to the Portland area, I lived in the Los Angeles area for over 40 years and there are still places I haven’t seen there!

Confluence of the Willamette & Columbia Rivers from Kelly Point Park.

Confluence of the Willamette & Columbia Rivers from Kelly Point Park.

So, how to find these places and add them to your day trips planner? Just pick up a map from the AAA or your city offices, and really look at it. That’s what I do from time to time, and I always find something new I haven’t discovered before.

Now that spring is just about here, with summer not far behind, it’s time to rediscover your home town area!

Happy traveling!

If you like what you’ve read here, please let others know of this post, blog, and site!

And thanks for reading!  🙂

Unknown's avatar

Stop Paying to Pay Your Taxes!

Last year (2014) was the last straw! I went to the same tax preparation company that I’d gone to for the last ten years and ended up paying $608 to have my return prepared and filed!

$608!                    

And this for a relatively simple return!

To start at the beginning, when I used this preparer, a very well-known chain, I paid maybe $250 and was also sent a coupon that took $20 off my bill. But each year, the price kept going up! Last year (2014) it was $608, a steep rise from the year before, when I paid roughly $450! And, to top this off, the preparer stopped sending their discount coupons.

Well, I asked why my return, (which was fairly simple with some self-employment income, but certainly nothing like what a decent sized business would generate),had cost so much to prepare.

I was told that it was due to my number of w2’s and the division of my self-employment income generating more forms, each of which added another $100 to the cost! And I think I only had 3 w2’s and one 1099!

So, did they protect me and go to bat for me with any problems with the IRS? Well, yes, on two occasions. But, it was for mistakes they made! Not for anything I forgot to include or miscalculations I made!

So, this year, (2015) I decided enough was enough! I found a service, partly supported and endorsed by the AARP, which does tax returns free of charge. They also provide resources that can help you if you are audited. And they do a good job!

Luckily, in most of my past years, I had gotten refunds that were enough to cover the cost of preparation. However, I guess that had I gone to a tax preparation business, I may have paid $700 or more this time! With the $200 refund I’m getting this year, I would have ended up $500 in the hole, if not more!

Is there a down side or catch to using this free service? Sure. There are requirements, such as income levels. If too high, then you’re not eligible, although, the threshold is fairly high. Also, there are some things that they cannot do regarding tax returns, mostly things that are in much more complex returns, unless you’re willing to forgo the deductions, but, in many cases, the taxpayer will still save more by not going to a standard preparer.

In my case, the actual organization doing the free tax returns is called “Cash Oregon”, and is endorsed by the AARP. Oh, and by the way, there are no age restrictions, even though the AARP is involved.

And, depending on your area and how the organization you find works in your area, you may have to make an appointment well in advance, or, if they only do walk-in service, you may have to get up very early in the morning, arrive very early, and wait half the day or more. But, it’s well worth it! And unless you have the kind of return that is very complex and has a possibly greater chance of being audited, you should be just fine using a free service.

Just be sure to make sure that it is supported or endorsed by a reputable organization such as the AARP.

Oh, and what about the possible suggestion that I simply find another provider, one of the other well-known tax preparation companies? Well, while I was waiting, another guy came in and told the clerk he was trying Cash Oregon’s service because he was tired of paying exorbitant costs to have his taxes prepared by one of those other well-known companies!

So, if you’re seeing your tax refunds getting chewed to pieces by your tax preparer’s high costs, or even worse, having to pay that high cost on top of any taxes you owe try looking for a free service!

And support the FAIR TAX! (See my post, FAIR TAX! IT’S WAY PAST TIME!)

If you like what you’ve read here, please let others know of this post, blog, and site!

And thanks for reading! 🙂

Unknown's avatar

Don’t Drive? Need a License? No! Need an Updated ID? Yes!

So, you no longer drive or have stopped driving. And that means you have no need of a license, or a need to update it. But, do you still need an up to date ID? The answer is, yes!

Now, we’re not like an iron curtain country where we need “papers”, but there are cases where an up to date ID can really help. And no, not just to enter bars or other adults only places.

I went to do my taxes last week, and, while waiting, a customer appeared who had not updated his ID, so, the expired ID he had was considered invalid. This meant that he had to go and update his ID before he could do his taxes.

There can be other cases where an updated ID is essential. Among these are getting all kinds of services and discounts for senior citizens. Also, one is often needed for banking and other financial transactions. Then of course, you need one if you’re going to fly anywhere.

And lastly, if you lose your wallet and it ends up with the police or other law enforcement authority, you may have more trouble getting it back.

So, what to do if you don’t drive and don’t need a license? Well, you can get just an ID card, usually from the DMV. They are usually good for 10 years, to my knowledge, and are accepted as valid forms of identification. And remember to keep it updated!

You never know when a valid ID can help you.

Be up to date!

If you like what you’ve read here, please let others know of this post, blog, and site!

And thanks for reading! 🙂

Unknown's avatar

Driving for Business? Make Sure You’re Covered!

Recently, I came across an article, “15 Things You Need To Know About Buying Auto Insurance – Consumerist“, that talked about auto insurance and how people don’t realize that their auto insurance won’t cover them in certain situations, such as when they have a new teen aged driver in the family, or if they lend someone their car for the long-term, where the car is kept at that other person’s residence. There were other situations listed also, and I knew about them all and knew not to put myself in any of them…except one.

It was situation # 12 listed in the article, about business use of your car. Sure, I did know that if I had started my own delivery or taxi business using my own car, that I’d need special additional insurance for my car, but I didn’t know that taking a simple delivery job, such as delivering meals part-time, or free publications to businesses part-time, fell into this situation also.

But, this article, and another one on Yahoo that I can no longer find, led me to thinking. I decided to go to my insurance agent’s office the very next business day, to really find out if this applied to me or not. Here’s what I found:

1. Your car is not considered to be used for business if you report to a work place and the car is parked for your entire work day. And you’re still covered if you run the occasional errand for your employer.

2. If you use a company vehicle for work, your company covers you. (But always double-check first!)

3. If you don’t report to an actual building and you drive to where you work, such as going to client’s homes or businesses, even if you don’t drive from client to client, then your car is considered by the insurance company to be used for business.

And it doesn’t matter if you are an employee, independent contractor, or any other work status! So, even if you get a job as a simple pizza delivery person, or a free publication delivery person, or even to distribute fliers door to door as I do, you need to check your policy first!

As an example, I distribute fliers door to door. I go straight from my home to the neighborhood where I will distribute the fliers by walking door to door. Yet, even though I do not drive from house to house but merely drive from home to the neighborhood, the insurance company still considers my car as being used for business.

4. If you plan on transporting people or hazardous materials, you absolutely need to check with your insurer and will most likely need a special commercial policy in addition to the one you now have. And yes, if you plan on driving for Uber or Lyft, or anything similar ride service where you use your own car, you would most likely need that special commercial policy.

So, the bad news was that my policy would not cover me if I was at fault in an accident during my working hours!

The good news was, I didn’t need a special commercial policy since I wasn’t transporting people or hazardous materials. And adding the business coverage I needed only added $9 to my 6 month premium! A very good price to pay to avoid a huge shock and disaster should I have an accident while working!

Unfortunately, many people don’t know where pleasure use ends and business use begins for their cars, and many insurers don’t make this very clear, if at all.

So, if you haven’t used your car for business and are planning to, or if you’re not sure whether or not you’re currently using your car for business, check with your insurer! It could prevent a lot of shock and heartache!

Safe driving!

If you like what you’ve read here, please let others know of this post, site and blog!

And thanks for reading! 🙂

Unknown's avatar

That Great Job that seems like It’s For You, May Not Be

You see a job listing on a site like Craigslist and think “That job is for me!” Only to find out later, in the interview, or via online reviews from customers or employees, that it’s not really for you. In this case, be glad you found out before taking the job.

And here’s why you shouldn’t be afraid of turning a job down when you learn more about it. Here’s what I experienced recently.

I saw a job for a delivery driver, delivering meals from restaurants, and everything looked good, so I inquired and was called for an interview. I did my research online and things looked good, though I was required to have a smart phone in order to be interviewed. I asked why would they require this before the job was offered and was told that it was so the company could get you going sooner. So, I checked to see if I could get one for much cheaper than the $500-$600 quotes I often saw and, luckily, I found a phone and deal that was for only a little more than my plan at the time, and even if I didn’t get the job, the new phone would not be a negative for me. (And in fact, it has already served me well since and I’m glad I got it!)

(For how this went, see “Again, Before Jumping In, Do Your Research! (Or how I got a $149 phone for just $49!“))

The interview went well, too, and I was scheduled to come in the next week and ride with a driver to see how it really is on the job.

Well, when I arrived for the “ride along”, the driver told me how I would have to “rent” the carrying bags and also a few other items. In addition, there were a number of small weekly fees. Then, it was “first come first serve”, where the bags were concerned, so I might not always get the bags I need.

On top of this, it was required (not mentioned in the interview!) that I obtain a cooler for the drinks! Out of my own pocket, of course!

For drinks, I would have to guess what people would want and put fifty, yes 50, bottles in my trunk, 10 of each type and hope I didn’t run out of a particular type.

Then, I would have to fill out credit card receipts and also take cash payments, out of which I would take tips, but then have to return each night to the main office, hope I get a parking space in what was a very congested area, and give the office its share.

It just seemed like a big mess to me, with lots of potential for messing up that couldn’t always be avoided and with the consequences falling on me. So, even before we were to leave, I told them that I’d changed my mind and that it wasn’t the job for me. And I have no regrets.

Another potential employer wanted me to come for an interview and pay $30 for them to do a background check on me! I e-mailed back, “No Thanks!” Unfortunately, some employers want applicants to pay costs that should rightly be borne by the employer!

This is not the first time that I’ve turned down a job once I saw what the job actually entailed. There’s nothing wrong with turning down a job that you find you won’t be comfortable in, even in these times when jobs are scarce.

I’m not saying that you shouldn’t take a job unless it gives you everything you want, but if you really cannot live with some aspect of the job, or really know that there’s something you can’t handle that’s part of the job, then don’t take the job! The possibility of the job costing you more than you make, or the stress from those parts of the job that you know you really don’t like, can do you more harm than good.

My advice: Unfortunately, an ad alone won’t really tell you the details of what a job entails, so, unless you see red flags that says the ad is a scam, go ahead and inquire.

If you are called for an interview, go ahead with it. And even go for a “tour” or “ride along” so long as you still feel you want the job, but be sure you get all your questions answered before you actually take the job. If they won’t answer your questions, or they try to dodge them, especially those regarding your main concerns, look elsewhere. And remember, during the interview, you should also be interviewing and watching them!

And remember, many job ads, especially those for sales positions, are often trying to sell jobs that may not really be as great as the ad says.

Good luck with your job search! And thanks for reading! 🙂

If you like what you’ve read here, please let others know of this post, blog, and site! 🙂

Unknown's avatar

Shrinking Time

Time flies. Time flies? Yes, and ever faster!

When I was about 6 years old, my grandmother was telling me how I would finish grade school, go on to high school, and then college at 18. Well, for me at the time, a year was nearly forever, and age 18 seemed to be so far away time wise that there wasn’t enough time in the universe to reach that age!

Well, I certainly did reach 18, and the 4 years of high school seemed to pass far more quickly than I would have ever imagined at age 6. And, when I entered college, I saw that I was almost as old as professional ball players.

Then, before I knew it, I’d reached my 30’s and, when I thought about it, I realized that many students graduating high school at this point hadn’t even been born yet when I’d graduated!

Now, some years later, not only have most of the professional ball players at the time I graduated retired, but their replacements have, too!

And that year’s time that seemed nearly forever to my 6-year-old self, is nearly next month to me now.

So, why does time seem to “rocket” by now, and why is that everlasting year seeming to last only a month now? Is it just me?

The truth is, no, it’s not just me, but everyone feels this as they get older. I read once that this has to do with a “kind of relativity” or changing perspective as one gets older.

As the article explained, to a six-year-old kid, a year is one sixth of his lifetime. To a sixty year old person, one year is only one sixtieth of his lifetime. To look at it another way, it would take 10 years for the 60-year-old to “feel” the same length of time has passed that the 6-year-old would feel with just 1 year passing. This is why, more and more, it feels to me like time is not just flying, but “rocketing” past.

I don’t know if this is just mental, or physiological as well. But it does make sense to me. I remember as a kid, hearing my parents and other adults refer to times 20 and 30 years past and thinking it was like ancient history to me. And now, I can recall times 20 and 30 years in my past, and it doesn’t seem that long ago.

It’s pretty amazing when you stop and think about it.

If you like what you’ve read here, please let others know of this post, blog, and site! 🙂

And thanks for reading! 🙂

 

Unknown's avatar

A Resume can do More than Just Get You a Job!

You may not necessarily be looking for a job, but maybe a promotion, or a membership, or you may want to get in on some business deal as a partner or contractor.

Well, believe it or not, a resume can help here, too! That’s right!

Your current boss, or the possible boss of a different department that a promotion may move you to, may want to see your resume. Even though they may know you and see you daily, they still may not have the full picture of what you can bring to the table.

Same with a business deal. Yes, you may be a business owner who wants to get in on a business deal with one or more other business owners. They will want to know what your business can bring to the table and what you can bring as head of your business.

I did such a resume for a business owner in just this kind of situation.

So, if you need a resume, check out my Services – Need Something? Look Here! page or my Resumes Available Here! page!

And Be sure to contact me, and if you know someone who needs one, steer them my way!

If you like what you’ve read here, please let others know of this post, blog, and site!

Thanks for reading! 🙂