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Evaluating your Free Offers of Stuff Getting free stuff can be a lot of fun, and for many people, the hunt for freebies is as fun as actually enjoying the free products themselves. There is a dark side to freebie offers, however. Many scam artists have come to realize that pretending to offer free things is a great way to trick people into handing over sensitive information about them than can be used in identity theft operations or even bilk them out of cold, hard cash. For that reason, it is important to make sure you know how to stay out there when you’re looking for free offers. There are some things you can do to make sure you freebie hunting only brings you good times – these common sense rules are a great place to start. You’ve heard it a million times before – if it sounds too good to be true, it probably is. The reason you have heard it so many times is that it almost holds water. Think about the reason that companies give away free things. They’re usually not doing it for charity. They want you try to their products in the hope that you will come back to them as a paying customer in the future, and they’re doing it to build good will for their company over all. They’re definitely not doing it go broke. So consider whether the freebie offers you come across make sense according to these criteria. Does it make sense that a company will give you a free bag of their new flavor of chips or a trial size jar of their new face cream? Sure it does, because if you like it, you may buy these products in the future. Does it make sense that a company will give you an all expenses paid, two-week first class trip to Bali for you and ten of your friends? Not so much. Don’t waste your time on these too good to be true freebies – they may end up costing your big time in the long run. By the same token, the more outlandish an offer sounds, the more you have to look for the small print. Sure, maybe the hotel chain is willing to give you a free weekend in their beachfront hotel. The small print in the offer might say that you have to agree to spend 10 hours a day at a sales seminar or that the free weekend is yours after you pay for a two week stay. One particular airline ran an offer for a free coach class plane ticket from New York to London. The small print said you had to buy two, full price first class tickets on that same route before you could get the free on – at a cost of around $8,000 per ticket. Before you jump, make sure you get all of the details. Freebie offers that actually require you to shell out some money are very tricky. Sometimes they are legitimate – after all, if you are accustomed to paying full price first class airfare, a free coach class ticket can be a real score. But many times, when you have to pay to get something for free, that is a red flag that a scammer is at work. You should never send money, even for postage, to a company that you don’t know. Also, keep an eye on the costs for things like postage even if you do know the company name. If they’re asking for $50 postage to send you a free magazine, then you know something is up. Lastly, beware giving out too much personal information. There’s no reason a company giving away free shampoo needs your bank account details. Protect your private info and if you’re unsure, move on to the next freebie offer.

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.

Ghost Writer: Who Uses Them and Why (ghost writer) A ghost writer is someone who is hired to write for another person under their name. In most cases ghostwriters do the work while the hiring person gets the credit. The use of a ghost writer is huge business. People in virtually every aspect of life could use a ghost writer. A ghost writer will need the ability to become the person they are writing for. The writer has to be able to use their mannerisms, their words, and their way of speaking. The writing must read like they are coming from the person themselves. Being a ghost writer means that you give absolutely all rights to the credited author. You will need to decide if it is worth it for someone else to take credit for your work. There will be confidentiality clauses in your ghost writing contracts. They will state something to the effect of legal action will be against you if the writing is reproduced by you in any way shape or form. There are many reasons why a person would use a ghost writer. Celebrities and public figures use ghost writers to write their biographies and memoirs. Ghost writers are hired to make celebrities sound as interesting and compelling as possible. Their purpose is to pen the stories into best selling books. Motivational speakers may use ghost writers to write self help books. Just because they are great speakers does not mean they can pen the words on paper. Or they just may simply not have the time. There are many types of ghost writing opportunities available. Non fiction writing would be your biographies, autobiographies, how to books, and memoirs. A ghost writer’s role in non fiction could range from the very minimal to the most complex. They may be given an almost complete manuscript and asked to add some finishing touches. Or they may have to start at the bottom collecting research and following the project through until publication. Accomplished fiction writers may use ghost writers to carry on a series of books after the author has passed or to carry out the series while they work on new ventures. The Author may have an established pen name that they use a ghost writer for while they write under the real name. Ghost writers are often used for scripts and screen plays. They are hired to finish and polish the writings of the authors. High school and college students will hire ghost writers to write their entrance essays, thesis, and term papers. Although this may seem unethical, it is legal. The writing and selling of the paper is perfectly legal. It is when the student turns the paper in as his or her own writing that it turns into an illegal action. The political venue for ghost writers is to correspond to the letters that they receive. Official will review the letters before being sent. A political speech writer is often considered a ghost writer. But others will argue this since it is public knowledge that political officials do not write their own speeches. In order to succeed as a ghost writer you must have excellent writing skills and often be able to take on the personality of the credited author. You must also be a great sales person in order to sell your service and be able to prove that you are the best possible choice for them to use you in their endeavors. Making the decision if ghost writing is right for you may be a difficult one. It is often hard for writers to give up all rights to their work.