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Staying Computer Safe while Searching for Freebies on the Net Who doesn’t love the idea of getting something for nothing? Free stuff can bring a smile to anyone’s face, and the Internet is destination number one when you are looking for cash in on a few freebies. The downside of free stuff online is that if you aren’t careful, the free item could end up causing plenty of headaches and heartaches, not to mention a lot of cold, hard cash. If you want to score with free stuff online, make safety your number one priority by following these tips. First and foremost, treat your personal information like its cash. That might sound a little dramatic, but anyone who manages to steal your identity online is after one thing, and one thing only, your money and any addition money they can grab by cashing in on your credit. Protecting your name, address, credit card number, bank account number, phone number, social security number, and so on and so forth when you are registering for free offers is the first step to making sure you don’t get hustled when you’re just trying to enjoy a good freebie. That means that if you are asked for some personal information that you don’t feel comfortable handing out, let the freebie go. Likewise, make sure the site from which you are getting your free stuff has a privacy policy and that you know it, understand it, and can live with it. Speaking of that site that is handing out the free goods: just who are these people? If you were walking down the street and a shady looking person said they would give you a free DVD player if you followed them, chances are you would run the other way. Online, it is hard to tell the legitimate people from the people looking at you like a free lunch, but there are a few red flags you can look out for. Does the website look like it was thrown up in about 5 minutes, full of clip art and bad spelling? Is it hard to find information about where the website is registered, or where the business the website is supposedly promoting is registered? If the website purports to be affiliated with a certain brand you know, does it really look like it is, or does the logo look different/colors look off? If you can’t get a reasonable feel for who are dealing with online, don’t deal with them. Red flag number one? Asking for too much personal info should send you running. Another way to protect yourself is to build a virtual fortress around your computer. The net is filled with people who know how to walk right into your virtual home – your computer – and flip through everything you have on there, taking whatever they want. Many of these kinds of hackers draw you in by creating phony freebie websites. The way to keep them out is to keep your computer on lockdown. Make sure your firewall is stronger than you think it needs to be, and make sure it is always updated. Also, make sure you have antivirus software on the patrol for you and that you keep this software updated as well. Last but not least, keep those passwords in the vault, and make sure they are extra strong. No freebie website has any reason to ask you about the passwords for your accounts so don’t give them away – and don’t give them to anyone else online for that matter. Also, if you’re using your birthday or child’s name as password, don’t. Sure, it isn’t as easy to remember, but your password should be a random word and contain a collection of numbers and symbols as well. This will give you the extra layer of protection to make sure your online house is in order when you cash in on the freebies.

Job Hunt Challenges for the Over 50 Crowd If you have just recently lost a job or maybe are not happy with the job you are currently holding, you are going to be on the hunt for a new job. Hunting for new job is never easy, whether it is your first or your tenth job. You know that it takes a good amount of preparation till you might hold another permanent job. But for the older crowd, especially the crowd over fifty, the challenge of finding a new job is even greater. Explore some of the facts why it is more challenging to find a job after 50. Starting out by the age factor, many companies want young and dynamic employees that are open to new and challenging tasks. Many employers believe that a person over 50 is set in his or her ways and therefore not able to tackle the same great tasks that might open up as a young, fresh out of college open minded person. A person over 50 is closer to retirement and might not want to take any risks as a young career fresh from school employee. Risks are sometimes what a company needs to get forward, new ideas, new thinking. Another reason is the salary competition. If you are over 50 and looking for another job, you most likely have a lot of experience in you sector. Experience usually is measured in money and the salary for an experienced person is generally higher than a starter salary. While experience is desired, some companies can just not afford to hire somebody for 10-20 thousand dollars more than they can get the fresh from college employee. If you lost your job, you might accept one of the lower salaries, but while you are in the application process, the human resource person reading your résumé does not have that information about you. Some of the bigger companies get scared by the fact that you are really close to retirement and if there are certain retirement plans and structure in place at a company, they might not want to hire you. You could retire within 10-15 years or less and then the company is stuck with paying you retirement payments. Hiring a younger person instead guarantees them no retirement payments or plans for retirement in general for the next 20-30 years. From the employer’s side, these are great savings for their pocket. Another reason often seen from employers as a reason not to hire a person over 50 is that the person they are hiring might be more prone to sickness and take more sick days than a young person. Why would they think that? Statistics have shown them that the tendency for time off due to sickness is greater for people crossing the age threshold of 50 years versus younger people. Be honest, being over 50 means for most people more aches and pains all over the body. You are more tired and get exhausted quicker. So if you do get a chance to go to an interview when looking for a new job, you need to make the best out of it. Besides all the factors mentioned above, a person that is over 50 and is looking for a job can be a great addition to any company and you need to make sure that you let your interviewer know that. An interview is a great challenge and can be mastered quite well if keeping these thoughts that employers have in mind. Emphasize the fact that you do bring experience and connections. Let them know that if they hire you, they get a person that at least is settled in life. You have had all your children, or did not want any, but at least you will not be missing because of pregnancy, birth of a child, and sickness of a young child or similar events.

Got an Offer? How to Evaluate the Company to Ensure It’s the Right Move Being offered a new job is always a great feeling. No matter what type of job it is, the fact that the employer wants you is very satisfying. The inclination to put in your two-week notice and start packing up your desk can be exhilarating. However, be sure that you know what you are getting into before you plunge into a new job. The terms of a job offer should be written out in black and white, literally. Whenever a company offers a job to someone, there should be literature about the position to read. When the offer is made, be sure to spend some time reading over the literature and finding out exactly what the terms and conditions of the job are. Salary, benefits and the terms of employment should all be very clear before you accept the offer. Be sure that you read the fine print. This is especially true from sales jobs. That advertised rate of pay might be what you make with commission. Without the commission you may not have a salary at all. This could be a major issue if your sales do not go well. Salary is one of the most important things to find out about before you take a job. Make sure that what they are offering as base pay is enough for you to live comfortably on. Bonuses can sound really great when employers discuss them with you. However, what you have to do to earn the bonuses may be very difficult. Thus making the bonuses obsolete the majority of the time. Restaurant management is a career path where many times your bonuses are based on the success of your particular restaurant. Not you yourself. That means that when the restaurant is not doing well, there will be no bonuses. The hours you will be working is another issue you will want to tackle before you take the job. Find out exactly what you are expected to work. This could be tricky with salaried positions. Find out what the average amount of hours is that employees spend on the job. Will there be travel? Many jobs post this in their advertisements but others are not so forthcoming with this information. Living out of a suitcase can be ideal for some but if you are not looking forward to having a relationship with your spouse strictly through cell phones and e-mails, you better inquire. If you are not open to travel be sure to find out if travel could be included in your position. The environment at the office could be hard to gauge. However, if you go to an interview and are not greeted in the lobby or see a few scowling employees, chances are, the office environment is a bit hostile. This is a major thing to consider when taking a job. Is the management hiring new personnel in order to replace the existing personnel? If they are, why does the existing personnel need to be replaced? Try to feel out the environment of the office when you are waiting for your interviews to take place. What will your job entail? Will there be times that you are expected to do things that go against your better judgment? Will you be surrounded by a corporate mentality that is concerned only with numbers? Are you going to be able to put your reservations aside and carry out the job that needs to be done? If a job offer is made immediately, you may want to be leery of this position. Try to find out about the turnover rate of this position. There may be a reason why the employer is so ready to offer you the job.