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How boomer women business owners do well and do good

How Boomer Women Business Owners Do Well And Do Good

Baby Boomer women have a lifetime of experience, skills, self-knowledge, and wisdom that make them well qualified to start and grow a business of their own. Now in their 50s and 60s, this generation is ready to take charge of their lives in new ways.

Free of the time demands associated with raising children and confident enough to find work that inspires them, these women are turning their hobbies, passions, or professional expertise into businesses of their own.

But this will not be “business as usual.” In a fast-changing and turbulent world, Baby Boomer women are ready to create greater meaning in their own lives and in the lives of others through their entrepreneurial initiatives. Many are committed to doing “well” by building a successful business, while doing “good” in the world at the same time. Success to many Baby Boomer women involves working in a business they are passionate about, not just one that can pay the bills or provide luxury items.

While the majority of entrepreneurs may start their businesses with big financial goals, there are more important aspects involved in a Baby Boomer business plan. Here are Five Cs that can be used to clearly define the priorities of many Baby Boomers in how they will build and operate their own businesses:

* They have Concern for the world in which we live, and their business will reflect that concern.
* They make Connections with others, and have a need for socializing and networking.
* They build Community.
* They express themselves Creatively, and are not afraid to think outside the box or take actions that are a bit outside the ordinary.
* They value Character in making decisions.

Although serious about earning a living and generating a profit, Baby Boomer women see transitioning into self-employment while still maintaining their current career, or after their retirement, as a way to give back to society and to make a difference. At this stage of life, they strive to live their values and use their strengths to create a business that reflects their authentic selves.

No longer is it contradictory for businesses to do well and do good. Watch for a growing number of Baby Boomer women-owned businesses that change the nature of our business community by leading the way with businesses that:

* Strengthen our economy
* Enrich our communities with meaning
* Address society’s social problems and work to provide solutions
* Model a new way to live life after 50 that doesn’t necessarily include long hours in the rocking chair on the front porch

For companies that want to serve the ever increasing market of women baby boomer business owners, it’s important that their motivations at this mid-life stage of their lives are understood. Although this is a diverse group, be mindful of the general tendency at mid-life to have a strong desire to give something back, participate in activities and events that are meaningful and to create a legacy. Speak the language of this market to gain their attention and understand their passions.

Jobs in the science industry

Jobs in the Science Industry

Copyright (c) 2009 Ianson Internet Marketing

The science industry is an exciting sector to work in and includes jobs in chemical engineering, biomedical and biochemical as well as the computer, forensic, environmental, aerospace and behavioural sciences. The science industry incorporates the past, present and future of the scientific world. The science industry offers jobs that may begin with entry level lab technicians which is perfect for graduates. This is a good path for any entry level chemist with little or no experience to obtain the experience that promotes a budding science career. For those with experience, there are several ways to find jobs in the science industry through personnel recruiters on the internet, with personnel recruiting firms and executive search firms that promote the hire of hi-tech scientific job applicants whom they represent.

There are several reputable internet job sites that focus on a broad spectrum of jobs. For those seeking jobs in the science industry, it might be a good idea to check online job boards that work exclusively with a specific area of the science industry. These provide a better filter for the type of job for those with science careerd as well as those with entry level experience. Another way to find a career in the science industry is to use a search engine to browse for companies related to the specific type of science the job seeker is interested in pursuing. Once a list of these companies is formulated, check each of company’s website. Most of these science-oriented companies websites address hiring and job availability, as well as qualifications required. Be careful to note the person responsible for receiving resumes/CV. They may well be responsible for reviewing resumes, making recommendations to management or performing the initial interview. This is a more direct way of managing a personal job search.

Where The Jobs Are Job seekers of today need to be more flexible with the issue of job location. A willingness to relocate to an area near the prospective business is always viewed positively. To find where the jobs are, do a thorough online search for the companies that are most associated with the science industry. This will help create a “job map” that clearly indicates where the best job opportunities are located. If relocation is not an option, the job seeker must rethink the locations of more local companies and be willing to make compromises in order to result in gaining successful employment.

Know your credit: steps to take before you apply for a mortgage

Know Your Credit: Steps to Take Before You Apply for a Mortgage

Your credit rating is one of the most important numbers in your life – it determines whether you will qualify for and how good an interest rate you will receive on car loans, store cards and credit cards, as well as a mortgage. Many financial advisers may tell you that it is essential to have a good credit score before you can even think of applying for a mortgage, and that it may take up to six months (and sometimes even longer) to fix poor credit.

Once you apply for a mortgage, the lender accesses your credit report, which is based on information supplied by the three main credit-reporting agencies – Equifax, Experian and TransUnion. Your credit score should be somewhere between 300 and 850; this score is based on factors such as the length of your credit history, your available credit, the amount of credit you have used, and employment history. This number is your FICO score (named for the Fair Isaac Reporting Company).

Mortgage lenders look at several risk factors when deciding whether to approve a mortgage. A potential home buyer who pays all their bills on time and does not have more credit than they can deal with is probably a safe risk when it comes to lending them the cost of a home. The higher your credit score, the more options and better interest rates you can quality for. A score of 760 or over is considered risk-free by the mortgage industry; a score between 600 and 700 is still good.

A credit score of less than 500 means that it may be difficult to find a lender who will work with you, although it is not impossible. Some lenders – known as sub-prime lenders – specialize in loans to buyers with poor credit, although your interest rate may almost certainly be higher. Some other options are to increase your down payment if possible, or to apply for an FHA or VA loan, which use different criteria to qualify borrowers.

So what should you do if you are buying a house, but do not have the best credit in the world? Amazingly, around 25% of credit reports have serious errors in them which can significantly affect the interest rate you are offered – so the first thing you should do is to check yours and make sure it is accurate. It is fairly easy to fix any mistakes on a credit report, although it can take several months, so it is a good idea to check your report before even beginning the house buying process.

Think twice about buying a new car if your credit is less than excellent – the amount of credit given to you can affect your score and the interest rate you are offered. Unless your credit is excellent, try to wait and buy the car – or any big purchase – after you have closed on your new home. You may consider buying a second hand car or paying an existing car loan off earlier, if possible. Buying a home and then buying the car should not affect your credit rating, by the way.

If you have several credit cards, try to get the account balances down as much as you can before you apply for a mortgage – ideally, to around 30% of their limits. Better still, just do not use one or more of your cards, although you should still keep the accounts open to prevent losing points and to show that you still have available credit. It is also worth calling your credit card company to inquire about lowering the interest rate and to remove any late or skipped payment records.

Try to keep at least one long standing credit account – if you have had a credit card for several years, keep that one. Lenders approve of borrowers who have a long credit history and can show some stability. If you have department store credit, try to pay this off and keep an actual credit card. You may see an improvement in your credit score if you go for several months without applying for any new credit or loan; although checking your own credit score will not affect it.

Paying your bills on time also helps build up your credit score. We all miss a payment occasionally, but you should not do it too often. Lenders are looking for a record of timely payments and stability; in fact, this is the single biggest factor when it comes to your credit score. If you know you are going to be late paying a bill, notify the lender involved – this may allow you to keep the late payment from affecting your credit score.

If you are planning to buy a house, it is worth taking the time to understand how the system works – especially when an interest rate of just one point less can mean a savings of around $50,000 on the average 30-year mortgage.