Fred Harteis News Articles - Lucrative college degrees
Fred Harteis News Articles - The Class of 2006 continues to enjoy the strongest job market in five years. And in many disciplines, the starting salaries are proof that entry-level grads are in greater demand.
"Employers expected to face more competition for new college graduates this year, and that competition is translating into higher starting salaries," said Camille Luckenbaugh, research director for the National Association of Colleges and Employers (NACE) in a statement announcing NACE's latest quarterly salary survey.
According to that survey, majors that have seen some of the biggest increases in average starting salaries are:
Hospitality services management: Up 9.7 percent to $36,480
Business administration/management: Up 6.3 percent to $42,048, thanks to investment banks that were paying an average of $53,277
Accounting: Up 5.5 percent to $45,656
Economics/finance: Up 5.1 percent to $45,112, again thanks to a high number of offers from investment banks and also financial services companies.
Information sciences and systems: Up 8.5 percent to $48,593
Civil engineering: Up 5.4 percent to $46,023
Chemical engineering: Up 4.7 percent to $56,335, thanks to a large number of starting offers averaging $58,456 from petroleum and coal products manufacturers. Those manufacturers may also be responsible for the 12.3 percent jump in the starting salaries of those who majored in geology and related sciences. They are earning an average of $44,191.
More modest pay increases for others
Other majors also experienced higher entry-level paychecks, but the increases didn't outpace the 4.2 percent inflation over the past 12 months through May. And in a few cases, starting offers actually declined.
These two groups include:
Computer engineering: Up 2.3 percent to $53,651
Electrical engineering: Up 3.2 percent to $53,552
Mechanical engineering: Up 3 percent to $51,732
History: Up 3.1 percent to $32,697
Psychology: Up 1.2 percent to $30,218
Communications: Down 0.4 percent to $31,876
Political science and government: Down 2.6 percent to $32,665
Sociology: Down 2.7 percent to $30,944
English: Down 4.1 percent to $30,906
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Monday, July 31, 2006
Sunday, July 30, 2006
Fred Harteis News Articles - Israeli air attack kills 60 civilians, including 19 children
Fred Harteis News Articles - Israel said it mistakenly destroyed a four-story building near a Hezbollah rocket-launching site in Qana, Lebanon, on Sunday where officials said 60 people died, including 19 children.
It was the deadliest attack in 19 days of fighting between Hezbollah militia and Israeli forces, which began after Hezbollah captured two Israeli soldiers in a cross-border raid.
A Red Cross official said the Qana airstrikes hit a residential building that housed refugees, which Israel said was near Hezbollah rocket launching sites. Officials said they believed at least another 11 children were still under the rubble.
More than 60 bodies have been pulled from the rubble, Lebanese representative to the United Nations Nohad Mahmoud said.
"I saw several bodies of children, women and old men," reported CNN's Ben Wedeman. "Residents were digging with the their bare hands, taking more and more bodies out. Parts of the town were completely bombarded, as if hit by a giant mallet in many places. I was told by one Lebanese army officer that they counted more than 80 individual strikes on the town." (Watch Qana residents say poor couldn't heed Israeli warning to leave -- 1:52)
During an emergency session of the U.N. Security Council on Sunday, Secretary-General Kofi Annan again called for an end to the fighting.
"We must condemn this action in the strongest possible terms," said Annan. "I am deeply dismayed that my earlier calls for immediate cessation of hostilities were not heeded, with the result that innocent life continues to be taken and innocent civilians continue to suffer. I repeat that call once again."
Israeli Prime Minister Ehud Olmert's office told U.S. Secretary of State Condoleezza Rice on Sunday that Israel needed 10 to 14 more days to complete its mission against Hezbollah militia.
To read this complete Fred Harteis News Article visit our news partner at:
http://www.cnn.com/2006/WORLD/meast/07/30/mideast.main/index.html?section=cnn_topstories
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Israel said it mistakenly destroyed a four-story building near a Hezbollah rocket-launching site in Qana, Lebanon, on Sunday where officials said 60 people died, including 19 children.
It was the deadliest attack in 19 days of fighting between Hezbollah militia and Israeli forces, which began after Hezbollah captured two Israeli soldiers in a cross-border raid.
A Red Cross official said the Qana airstrikes hit a residential building that housed refugees, which Israel said was near Hezbollah rocket launching sites. Officials said they believed at least another 11 children were still under the rubble.
More than 60 bodies have been pulled from the rubble, Lebanese representative to the United Nations Nohad Mahmoud said.
"I saw several bodies of children, women and old men," reported CNN's Ben Wedeman. "Residents were digging with the their bare hands, taking more and more bodies out. Parts of the town were completely bombarded, as if hit by a giant mallet in many places. I was told by one Lebanese army officer that they counted more than 80 individual strikes on the town." (Watch Qana residents say poor couldn't heed Israeli warning to leave -- 1:52)
During an emergency session of the U.N. Security Council on Sunday, Secretary-General Kofi Annan again called for an end to the fighting.
"We must condemn this action in the strongest possible terms," said Annan. "I am deeply dismayed that my earlier calls for immediate cessation of hostilities were not heeded, with the result that innocent life continues to be taken and innocent civilians continue to suffer. I repeat that call once again."
Israeli Prime Minister Ehud Olmert's office told U.S. Secretary of State Condoleezza Rice on Sunday that Israel needed 10 to 14 more days to complete its mission against Hezbollah militia.
To read this complete Fred Harteis News Article visit our news partner at:
http://www.cnn.com/2006/WORLD/meast/07/30/mideast.main/index.html?section=cnn_topstories
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Saturday, July 29, 2006
Fred Harteis News Articles - Seattle protects temples, mosques after 'hate' shootings
Fred Harteis News Articles - Seattle police were protecting temples and mosques Saturday after a suspected hate killing prompted fears of the Middle East crisis spreading to the United States.
Police Chief Gil Kerlikowske said a Muslim gunman killed a woman and wounded five others at a Jewish center in Seattle, Washington, Friday afternoon, and police were protecting mosques as well as synagogues out of fears of retaliation.
A U.S. citizen, Naveed Afzal Haq, has been arrested and booked on a charge of murder and five charges of attempted murder. (Watch armed police take aim as panicked women run -- 1:44)
The 31-year-old Muslim of Pakistani descent was angry at Israeli airstrikes in Lebanon, officials said.
In a written statement, the Council on American-Islamic Relations on Friday condemned the attack.
"The American Muslim and Jewish communities must do whatever is within their power to prevent the current conflict in the Middle East from being transplanted to this country," the Washington-based civil rights and advocacy group said.
Robert Jacobs, Pacific Northwest Regional director for the Anti-Defamation League, told CNN the group has been warning Jewish institutions to be wary and have adequate security because of the ongoing conflict in the Middle East.
If they cannot, he said, it would be better for Jews "not to congregate in one location that might be an obvious site."
Seattle Mayor Greg Nickels described Friday's shooting as "a crime of hate." "There's no place for that in the city of Seattle," he said.
"This was a purposeful hateful act, as far as we know, by an individual acting alone."
To read this complete Fred Harteis News Article visit our news partner at:
http://www.cnn.com/2006/US/07/29/seattle.shooting/index.html?section=cnn_topstories
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Seattle police were protecting temples and mosques Saturday after a suspected hate killing prompted fears of the Middle East crisis spreading to the United States.
Police Chief Gil Kerlikowske said a Muslim gunman killed a woman and wounded five others at a Jewish center in Seattle, Washington, Friday afternoon, and police were protecting mosques as well as synagogues out of fears of retaliation.
A U.S. citizen, Naveed Afzal Haq, has been arrested and booked on a charge of murder and five charges of attempted murder. (Watch armed police take aim as panicked women run -- 1:44)
The 31-year-old Muslim of Pakistani descent was angry at Israeli airstrikes in Lebanon, officials said.
In a written statement, the Council on American-Islamic Relations on Friday condemned the attack.
"The American Muslim and Jewish communities must do whatever is within their power to prevent the current conflict in the Middle East from being transplanted to this country," the Washington-based civil rights and advocacy group said.
Robert Jacobs, Pacific Northwest Regional director for the Anti-Defamation League, told CNN the group has been warning Jewish institutions to be wary and have adequate security because of the ongoing conflict in the Middle East.
If they cannot, he said, it would be better for Jews "not to congregate in one location that might be an obvious site."
Seattle Mayor Greg Nickels described Friday's shooting as "a crime of hate." "There's no place for that in the city of Seattle," he said.
"This was a purposeful hateful act, as far as we know, by an individual acting alone."
To read this complete Fred Harteis News Article visit our news partner at:
http://www.cnn.com/2006/US/07/29/seattle.shooting/index.html?section=cnn_topstories
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Friday, July 28, 2006
Fred Harteis News Articles - Gas saving myths
Fred Harteis News Articles - Gas prices are on the rise again. This time it's the crisis in the Middle East that has motorists paying more at the pump. Here are 5 Tips to help you make the most of your fuel economy by debunking some gas-saving myths.
MYTH 1 - It's all about your MPG rating
How you drive can be more important than your car's miles per gallon rating given by the Environmental Protection Agency. In fact, those MPG ratings are way outdated. In fact, EPA ratings were off about 14 percent on average, according to Phillip Reed of Edmunds.com.
"The standards were implemented in the 70s. People drive more aggressively today. We spend more time stuck in traffic. We cruise at higher speeds," he says.
MYTH 2 - Gas saving products help fuel efficiency
You may have seen some products that claim to increase your gas mileage up to 20 percent. These products can be oil or gasoline additives that cost anywhere from $5 to $100. Don't fall for the hype. The Environmental Protection Agency concluded that no product significantly improves gas mileage. And in fact, these products may even damage your engine. If you've already purchased one of these products, get a refund even if the money-back guarantee has expired, says the Federal Trade Commission.
MYTH 3 - You need the best octane
Most engines are designed to take regular unleaded gasoline, which has an octane rating of 87. Using higher octane premium gas in an engine that is designed to run on regular doesn't improve performance.
And even engines where it's recommended you use premium gas can run on regular without any problems. The bottom line here is that paying for premium gas is usually a waste of money.
MYTH 4 - All gas rebate cards are created equal
Gas rebate cards can give you anywhere from 3 to 5 percent rebate on your fill-up. And that can add up to some real value at the end of the year. But there are some major differences between cards. Look specifically at card fees.
Some cards have annual fees of $20, according to Curtis Arnold of cardratings.com. Interest rates on these cards can also vary from 13 percent to over 20 percent. And be vigilant when it comes to expiration dates as the rebate can expire in as little as six months. It pays to do your homework here. Consumers can compare the benefits of these cards at cardratings.com or cardweb.com.
MYTH 5 - Air conditioning wastes gas
Temperatures are in the triple digits in some places nationwide and if you have air conditioning, of course you're going to use it. But you don't have to feel guilty about cranking up your car's AC. According to Edmunds.com, the air conditioning compressor does pull power from the engine wasting some gas, but the effect is minimal in modern cars. On the other hand, driving with your windows down at high speeds can create an aerodynamic drag.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Gas prices are on the rise again. This time it's the crisis in the Middle East that has motorists paying more at the pump. Here are 5 Tips to help you make the most of your fuel economy by debunking some gas-saving myths.
MYTH 1 - It's all about your MPG rating
How you drive can be more important than your car's miles per gallon rating given by the Environmental Protection Agency. In fact, those MPG ratings are way outdated. In fact, EPA ratings were off about 14 percent on average, according to Phillip Reed of Edmunds.com.
"The standards were implemented in the 70s. People drive more aggressively today. We spend more time stuck in traffic. We cruise at higher speeds," he says.
MYTH 2 - Gas saving products help fuel efficiency
You may have seen some products that claim to increase your gas mileage up to 20 percent. These products can be oil or gasoline additives that cost anywhere from $5 to $100. Don't fall for the hype. The Environmental Protection Agency concluded that no product significantly improves gas mileage. And in fact, these products may even damage your engine. If you've already purchased one of these products, get a refund even if the money-back guarantee has expired, says the Federal Trade Commission.
MYTH 3 - You need the best octane
Most engines are designed to take regular unleaded gasoline, which has an octane rating of 87. Using higher octane premium gas in an engine that is designed to run on regular doesn't improve performance.
And even engines where it's recommended you use premium gas can run on regular without any problems. The bottom line here is that paying for premium gas is usually a waste of money.
MYTH 4 - All gas rebate cards are created equal
Gas rebate cards can give you anywhere from 3 to 5 percent rebate on your fill-up. And that can add up to some real value at the end of the year. But there are some major differences between cards. Look specifically at card fees.
Some cards have annual fees of $20, according to Curtis Arnold of cardratings.com. Interest rates on these cards can also vary from 13 percent to over 20 percent. And be vigilant when it comes to expiration dates as the rebate can expire in as little as six months. It pays to do your homework here. Consumers can compare the benefits of these cards at cardratings.com or cardweb.com.
MYTH 5 - Air conditioning wastes gas
Temperatures are in the triple digits in some places nationwide and if you have air conditioning, of course you're going to use it. But you don't have to feel guilty about cranking up your car's AC. According to Edmunds.com, the air conditioning compressor does pull power from the engine wasting some gas, but the effect is minimal in modern cars. On the other hand, driving with your windows down at high speeds can create an aerodynamic drag.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Thursday, July 27, 2006
Fred Harteis News Articles - Floyd denies cheating
Fred Harteis News Articles - Floyd Landis says he didn't do it -- didn't inject testosterone, didn't apply a testosterone patch to any part of his body. Floyd Landis just returned my call, and I asked him straight up: "Did you do it, bro?"
He said, "No, c'mon man," in what would turn out to be the first of several denials.
I want very badly to believe him.
Landis had been crying. Not for himself -- he'd just gotten off the phone with his mother, Arlene, who has been driven from the family home in Farmersville, Pa., by reporters scavenging for quotes. "I know it's their job," he said, sadly, "but they need to leave her out of this."
The A sample from the urine test to which he submitted after Stage 17 shows "an unusual level of testosterone/epitestosterone." Landis told me he "can't be hopeful" that the B sample will be any different than the A. "I'm a realist," he said.
Landis says that an elevated level of testosterone is different from a positive test. He says this is a fairly common problem among pro cyclists. He's retaining the services of a Spanish doctor named Luis Hernandez, who has helped other riders shown by tests to have elevated levels of testosterone. "In hundreds of cases," Landis told me, "no one's ever lost one."
It's too early to tell if he's going to be on solid footing or if he's clutching at straws. The next step, he says, is to submit to an endocrine test that may help him prove that he just happens to be a guy walking around with an inordinate amount of testosterone in his blood.
To read this complete Fred Harteis News Articles visit our news partner at:
http://sportsillustrated.cnn.com/2006/writers/austin_murphy/07/27/landis.react/index.html?section=cnn_topstories
Source: SportsIllustrated.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Floyd Landis says he didn't do it -- didn't inject testosterone, didn't apply a testosterone patch to any part of his body. Floyd Landis just returned my call, and I asked him straight up: "Did you do it, bro?"
He said, "No, c'mon man," in what would turn out to be the first of several denials.
I want very badly to believe him.
Landis had been crying. Not for himself -- he'd just gotten off the phone with his mother, Arlene, who has been driven from the family home in Farmersville, Pa., by reporters scavenging for quotes. "I know it's their job," he said, sadly, "but they need to leave her out of this."
The A sample from the urine test to which he submitted after Stage 17 shows "an unusual level of testosterone/epitestosterone." Landis told me he "can't be hopeful" that the B sample will be any different than the A. "I'm a realist," he said.
Landis says that an elevated level of testosterone is different from a positive test. He says this is a fairly common problem among pro cyclists. He's retaining the services of a Spanish doctor named Luis Hernandez, who has helped other riders shown by tests to have elevated levels of testosterone. "In hundreds of cases," Landis told me, "no one's ever lost one."
It's too early to tell if he's going to be on solid footing or if he's clutching at straws. The next step, he says, is to submit to an endocrine test that may help him prove that he just happens to be a guy walking around with an inordinate amount of testosterone in his blood.
To read this complete Fred Harteis News Articles visit our news partner at:
http://sportsillustrated.cnn.com/2006/writers/austin_murphy/07/27/landis.react/index.html?section=cnn_topstories
Source: SportsIllustrated.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Wednesday, July 26, 2006
Fred Harteis News Articles - 8 Israeli soldiers killed in close-quarters fighting
Fred Harteis News Articles - Eight Israeli soldiers were killed in fierce fighting with Hezbollah militiamen Wednesday in southern Lebanon, the Israel Defense Forces said. The Israel Defense Forces also reported at least 22 were wounded in the close-quarters fighting in Bint Jbeil, which the Israeli military has named Hezbollah's "terror capital" and which Israel said on Tuesday was under its control.
Israeli soldiers returning to northern Israel after operations in Lebanon told CNN the fighting was extremely intense and Hezbollah resistance was strong in Bint Jbeil.
More Israeli troops are on their way to the area, the IDF said.
The Israeli soldiers reported heavy casualties among Hezbollah fighters.
Hezbollah has not released casualty figures since the fighting began, after the group captured two Israeli soldiers in a cross-border raid July 12.
Smoke was rising Wednesday from the center of the southern Lebanese city of Tyre after huge explosions were heard that seemed to come from there.
Hundreds of foreign nationals; including Americans, Canadians, Britons and Australians; left Tyre Wednesday for Cyprus on board a ship chartered by the Canadian government.
CNN's Ben Wedeman said people in Tyre were worried that once the Westerners left, Israeli airstrikes on the city would intensify.
To read this complete Fred Harteis News Article visit our news partner at:
http://www.cnn.com/2006/WORLD/meast/07/26/mideast.main/index.html?section=cnn_topstories
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Eight Israeli soldiers were killed in fierce fighting with Hezbollah militiamen Wednesday in southern Lebanon, the Israel Defense Forces said. The Israel Defense Forces also reported at least 22 were wounded in the close-quarters fighting in Bint Jbeil, which the Israeli military has named Hezbollah's "terror capital" and which Israel said on Tuesday was under its control.
Israeli soldiers returning to northern Israel after operations in Lebanon told CNN the fighting was extremely intense and Hezbollah resistance was strong in Bint Jbeil.
More Israeli troops are on their way to the area, the IDF said.
The Israeli soldiers reported heavy casualties among Hezbollah fighters.
Hezbollah has not released casualty figures since the fighting began, after the group captured two Israeli soldiers in a cross-border raid July 12.
Smoke was rising Wednesday from the center of the southern Lebanese city of Tyre after huge explosions were heard that seemed to come from there.
Hundreds of foreign nationals; including Americans, Canadians, Britons and Australians; left Tyre Wednesday for Cyprus on board a ship chartered by the Canadian government.
CNN's Ben Wedeman said people in Tyre were worried that once the Westerners left, Israeli airstrikes on the city would intensify.
To read this complete Fred Harteis News Article visit our news partner at:
http://www.cnn.com/2006/WORLD/meast/07/26/mideast.main/index.html?section=cnn_topstories
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Tuesday, July 25, 2006
Fred Harteis News Articles - Bush: New Plan to Help End Iraq Violence
Fred Harteis News Articles - President Bush said Tuesday a new plan to increase U.S. and Iraqi forces in the besieged capital of Baghdad will help quell rising violence that is threatening Iraq's transformation to a self-sustaining democracy.
"Obviously the violence in Baghdad is still terrible and therefore there needs to be more troops," Bush said in a White House news conference with visiting Iraqi Prime Minister Nouri al-Maliki.
Al-Maliki, on his first trip to the United States since becoming prime minister two months ago, said he and Bush agreed that training and better arming Iraqi forces as quickly as possible, particularly in the capital city, was central to efforts to stabilize the country.
"And, God willing, there will be no civil war in Iraq," al-Maliki said, speaking through a translator.
The two leaders disagreed openly on how to end hostilities between the Hezbollah militia in southern Lebanon and Israel, with al-Maliki, a Shiite Muslim leader, reiterating his support for an immediate cease-fire and Bush sticking by the administration opposition to one.
A group of House Democrats called on GOP leaders to cancel al-Maliki's address to Congress on Wednesday. Sen. Charles Schumer, D-N.Y., said he doubted he would attend and that there were a "large number of people (in Congress) who were uncomfortable" with al-Maliki's condemnation of Israel's attacks in Lebanon and apparent support for Hezbollah
To read this complete Fred Harteis News Article visit our news partner at:
http://abcnews.go.com/Politics/wireStory?id=2235755
Source: ABCNews.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - President Bush said Tuesday a new plan to increase U.S. and Iraqi forces in the besieged capital of Baghdad will help quell rising violence that is threatening Iraq's transformation to a self-sustaining democracy.
"Obviously the violence in Baghdad is still terrible and therefore there needs to be more troops," Bush said in a White House news conference with visiting Iraqi Prime Minister Nouri al-Maliki.
Al-Maliki, on his first trip to the United States since becoming prime minister two months ago, said he and Bush agreed that training and better arming Iraqi forces as quickly as possible, particularly in the capital city, was central to efforts to stabilize the country.
"And, God willing, there will be no civil war in Iraq," al-Maliki said, speaking through a translator.
The two leaders disagreed openly on how to end hostilities between the Hezbollah militia in southern Lebanon and Israel, with al-Maliki, a Shiite Muslim leader, reiterating his support for an immediate cease-fire and Bush sticking by the administration opposition to one.
A group of House Democrats called on GOP leaders to cancel al-Maliki's address to Congress on Wednesday. Sen. Charles Schumer, D-N.Y., said he doubted he would attend and that there were a "large number of people (in Congress) who were uncomfortable" with al-Maliki's condemnation of Israel's attacks in Lebanon and apparent support for Hezbollah
To read this complete Fred Harteis News Article visit our news partner at:
http://abcnews.go.com/Politics/wireStory?id=2235755
Source: ABCNews.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Monday, July 24, 2006
Fred Harteis News Articles : Be money savvy -- 5 rules of thumb
Fred Harteis News Articles - These guidelines reduce complex money questions to simple formulas. How well do you know them?
1) How much income do experts typically say you'll need to live comfortably after you retire?
Answer: 70% to 80%. This guideline is based on the reasonable expectation that some of your expenses will fall once you retire. After all, you'll no longer be shelling out dough to commute or to buy secret Santa gifts for co-workers.
But given the threat of unpredictable money crises (health emergencies, chiefly), it can't hurt for you to err on the side of caution. Figure on spending as much after retirement as you do now, especially in the early years, when you'll be more active.
2) For a house to be affordable, the mortgage payment should not exceed what amount?
Answer: 30%. Sure, homeowners in particularly hot markets consider themselves lucky if they can get away with devoting less than half their income to their mortgage.
But for most others, this rule of thumb is still a realistic way to gauge how big a mortgage can comfortably be taken on.
Indeed, families earning the nationwide median income ($56,810) can buy a median-priced home ($230,700) by laying out only 24% of their income a month, according to Moody's Economy.com.
3) To find the percentage of your portfolio that should be invested in stocks, take the number 100 and subtract your age. True or false?
Answer: False. This is a trick question. One hundred minus your age used to be the rule, and in fact the basic concept still makes sense: As you get closer to retirement (and go beyond it), you want to increase the percentage of stable fixed-income investments in your portfolio and cut back on higher-returning yet riskier stocks.
But the old formula now appears to be overly conservative. Today's longer life spans mean you have to keep your money growing to last through a far longer retirement than previous generations enjoyed.
Plus, it's less likely than it would have been in the past that you will have a pension making a big contribution to your retirement income.
What would be a better guide? Subtract your age from 120. That more aggressive formula should help you maintain your living standard through your retirement years.
4) When you're shopping for life insurance, how big a policy do you need?
Answer: 5 to 7 times. This rule of thumb is far from perfect, although it's better than buying no coverage at all. The problem with a one-size-fits-all formula is that the policy you need really depends on your household situation.
Are you the only breadwinner in a family with young kids? You may need coverage worth 10 times your salary or more. No kids, no mortgage and a salary equal to your spouse's? You may not need life insurance at all.
To tailor your coverage to your family's needs, use the calculator in the Life Insurance section at life-line.org.
5) What's the most that pundits say you should invest in your own employer's stock?
Answer: 10% of your total savings. If your employer uses its own stock to match your 401(k) contributions or fund your profit-sharing plan, you may be forced to have some company shares in your portfolio. But otherwise you should pretty much stay away from investing in the company you work for.
Source; Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - These guidelines reduce complex money questions to simple formulas. How well do you know them?
1) How much income do experts typically say you'll need to live comfortably after you retire?
Answer: 70% to 80%. This guideline is based on the reasonable expectation that some of your expenses will fall once you retire. After all, you'll no longer be shelling out dough to commute or to buy secret Santa gifts for co-workers.
But given the threat of unpredictable money crises (health emergencies, chiefly), it can't hurt for you to err on the side of caution. Figure on spending as much after retirement as you do now, especially in the early years, when you'll be more active.
2) For a house to be affordable, the mortgage payment should not exceed what amount?
Answer: 30%. Sure, homeowners in particularly hot markets consider themselves lucky if they can get away with devoting less than half their income to their mortgage.
But for most others, this rule of thumb is still a realistic way to gauge how big a mortgage can comfortably be taken on.
Indeed, families earning the nationwide median income ($56,810) can buy a median-priced home ($230,700) by laying out only 24% of their income a month, according to Moody's Economy.com.
3) To find the percentage of your portfolio that should be invested in stocks, take the number 100 and subtract your age. True or false?
Answer: False. This is a trick question. One hundred minus your age used to be the rule, and in fact the basic concept still makes sense: As you get closer to retirement (and go beyond it), you want to increase the percentage of stable fixed-income investments in your portfolio and cut back on higher-returning yet riskier stocks.
But the old formula now appears to be overly conservative. Today's longer life spans mean you have to keep your money growing to last through a far longer retirement than previous generations enjoyed.
Plus, it's less likely than it would have been in the past that you will have a pension making a big contribution to your retirement income.
What would be a better guide? Subtract your age from 120. That more aggressive formula should help you maintain your living standard through your retirement years.
4) When you're shopping for life insurance, how big a policy do you need?
Answer: 5 to 7 times. This rule of thumb is far from perfect, although it's better than buying no coverage at all. The problem with a one-size-fits-all formula is that the policy you need really depends on your household situation.
Are you the only breadwinner in a family with young kids? You may need coverage worth 10 times your salary or more. No kids, no mortgage and a salary equal to your spouse's? You may not need life insurance at all.
To tailor your coverage to your family's needs, use the calculator in the Life Insurance section at life-line.org.
5) What's the most that pundits say you should invest in your own employer's stock?
Answer: 10% of your total savings. If your employer uses its own stock to match your 401(k) contributions or fund your profit-sharing plan, you may be forced to have some company shares in your portfolio. But otherwise you should pretty much stay away from investing in the company you work for.
Source; Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Sunday, July 23, 2006
Fred Harteis News Articles - Take control of your vacation
Fred Harteis News Articles - It's getting even harder for Americans to take a vacation. Almost 30% of workers plan to work while on vacation this year, according to a recent survey by CareerBuilder.com.
1: You deserve a break!
Not taking a vacation could be detrimental to your health. It's been reported that women who take at least 2 vacations a year cut their risk of a fatal heart attack by half.
Other studies have shown strong health benefits for men.
Taking a vacation can even help your productivity. According to the Work Life Family Institute, employees who don't feel overworked don't make as many mistakes on the job.
2: Talk it up
Make sure you let your colleagues and clients know about your vacation plans. You shouldn't have to keep your travel itinerary just between you and your travel agent, according to CareerBuilder.com. This will help to remind your co-workers that your personal time is 1) already scheduled and 2) a time clearly marked "personal."
Set the boundaries with humor. Tell your colleagues not to contact you unless someone's hair is on fire. "That can be a good way to set up the expectation that you don't want to be disturbed," says Kevin Salwen, the founder of Worthwhile Magazine.
3: Cross-Train
Of course no one can do the kind of job that you do, but having someone that you can train to fill in for you is invaluable. If you have a vacation on the horizon, you may want to mention to your supervisor the benefits of cross-training, like the opportunity for shared learning.
Make sure that when you leave for vacation, that your voicemail and your e-mail directs people to your replacement. You don't want to come back to an e-mail inbox overload.
4: Get your ducks in a row
The last few days before you leave on vacation can be a real crunch time. Make sure you make a list of what you need to accomplish both at your job and for your vacation. But you can avoid this situation. Download travel checklists to make sure you've covered all the bases. Microsoft Office for example has a number of templates for your adventures. Sewing up any loose ends at work means that fewer people will have reason to call you while you're away.
You can also log onto freetraveltips.com to get your travel checklist.
5: Set your boundaries
If you have to check e-mail, try to do it at the end of the day. It won't interfere too much with your daily schedule, and you'll be able to see how the problems that you normally handled, are handled without you, recommends Salwen.
If you're worried that you'll be buried once you get back to work on Monday, try to get back from vacation on Saturday or Sunday morning. This way you'll have enough time to clear out that inbox.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has lead many successful business ventures.
Fred Harteis News Articles - It's getting even harder for Americans to take a vacation. Almost 30% of workers plan to work while on vacation this year, according to a recent survey by CareerBuilder.com.
1: You deserve a break!
Not taking a vacation could be detrimental to your health. It's been reported that women who take at least 2 vacations a year cut their risk of a fatal heart attack by half.
Other studies have shown strong health benefits for men.
Taking a vacation can even help your productivity. According to the Work Life Family Institute, employees who don't feel overworked don't make as many mistakes on the job.
2: Talk it up
Make sure you let your colleagues and clients know about your vacation plans. You shouldn't have to keep your travel itinerary just between you and your travel agent, according to CareerBuilder.com. This will help to remind your co-workers that your personal time is 1) already scheduled and 2) a time clearly marked "personal."
Set the boundaries with humor. Tell your colleagues not to contact you unless someone's hair is on fire. "That can be a good way to set up the expectation that you don't want to be disturbed," says Kevin Salwen, the founder of Worthwhile Magazine.
3: Cross-Train
Of course no one can do the kind of job that you do, but having someone that you can train to fill in for you is invaluable. If you have a vacation on the horizon, you may want to mention to your supervisor the benefits of cross-training, like the opportunity for shared learning.
Make sure that when you leave for vacation, that your voicemail and your e-mail directs people to your replacement. You don't want to come back to an e-mail inbox overload.
4: Get your ducks in a row
The last few days before you leave on vacation can be a real crunch time. Make sure you make a list of what you need to accomplish both at your job and for your vacation. But you can avoid this situation. Download travel checklists to make sure you've covered all the bases. Microsoft Office for example has a number of templates for your adventures. Sewing up any loose ends at work means that fewer people will have reason to call you while you're away.
You can also log onto freetraveltips.com to get your travel checklist.
5: Set your boundaries
If you have to check e-mail, try to do it at the end of the day. It won't interfere too much with your daily schedule, and you'll be able to see how the problems that you normally handled, are handled without you, recommends Salwen.
If you're worried that you'll be buried once you get back to work on Monday, try to get back from vacation on Saturday or Sunday morning. This way you'll have enough time to clear out that inbox.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has lead many successful business ventures.
Friday, July 21, 2006
Fred Harteis News Articles - Is Your Spouse Ruining Your Career?
Fred Harteis News Articles - A spouse can be very important to your image and career. Your mate can either be a willing partner in your success and a positive reflection on you, or could keep you from achieving the career heights you aspire towards. If the latter describes your domestic situation, it may be time to examine your life, your career and your relationship.
Career Interrupted?
Here are some tips on addressing you partner's inappropriate behavior in the workplace:
1. Overindulgent Partier -- Does your partner don the proverbial lampshade at every company outing? Then it's time to pull him aside and let him know his antics are out of line. Guzzling "upside-down margaritas" may have been impressive in the frat, but in business it just makes you both look like buffoons.
2. Constant Caller -- Her lightning-fast calls to the office put speed dial to shame. Inform her that your company has a policy limiting personal phone calls (most companies do) and her hounding phone calls could get you fired.
3. Chicken Little -- He is forever cooking up emergencies at home to get you to ditch that client dinner or shorten you business trips. Remind him that his role at home is an important part of your job as well and that without it, your family would not be able to succeed.
Get to the Root of the Problem
Quite often, many mates' antics are just a way of acting out their frustration or may be desperate attempts to secure your attention. It's important for you to sit down with your spouse or partner and talk about the goals you have for yourselves and your family and what it's going to take to get there. You need to work on your relationship like you work on your career to head off any problems between the two.
Don't let your career take over your life. Be sure to set aside some time to spend together regularly.
Don't make your partner feel the need to compete with your career. Discuss your day with her -- good or bad -- so they don't feel left out.
Just because your career is fulfilling to you it doesn't mean it's fulfilling to him. Encourage him to set his own goals and achievements.
Perhaps a career coach can help. Amy Dorn Kopelan, founder and executive director of COACH ME, Inc., a non-profit organization that provides executive coaching to women in the early stages of their career who cannot afford it on their own, contends, "In many cases, people hold themselves back because they don't want to approach their mates and talk about what they really want."
Sometimes Professional Help is Needed
If the problem persists, Sue Murphy, Association Manager for the National Human Resources Association, says the employee may want to contact the company's Employee Assistance Program, where counselors can address the spouse's issues and behavior.
Today, more than 80 percent of Fortune's Top 500 have an Employee Assistance Program (EAP) in place, according to Katie Borkowski, professional services director of the Employee Assistance Professionals Association.
While sometimes it just takes a neutral third party to help you talk things out, some partner problems require more than counseling. In the case of the engineer, his wife eventually entered a mental health facility to deal with her issues. If your company doesn't have an EAP, often mental health services are often covered under medical insurance plans.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - A spouse can be very important to your image and career. Your mate can either be a willing partner in your success and a positive reflection on you, or could keep you from achieving the career heights you aspire towards. If the latter describes your domestic situation, it may be time to examine your life, your career and your relationship.
Career Interrupted?
Here are some tips on addressing you partner's inappropriate behavior in the workplace:
1. Overindulgent Partier -- Does your partner don the proverbial lampshade at every company outing? Then it's time to pull him aside and let him know his antics are out of line. Guzzling "upside-down margaritas" may have been impressive in the frat, but in business it just makes you both look like buffoons.
2. Constant Caller -- Her lightning-fast calls to the office put speed dial to shame. Inform her that your company has a policy limiting personal phone calls (most companies do) and her hounding phone calls could get you fired.
3. Chicken Little -- He is forever cooking up emergencies at home to get you to ditch that client dinner or shorten you business trips. Remind him that his role at home is an important part of your job as well and that without it, your family would not be able to succeed.
Get to the Root of the Problem
Quite often, many mates' antics are just a way of acting out their frustration or may be desperate attempts to secure your attention. It's important for you to sit down with your spouse or partner and talk about the goals you have for yourselves and your family and what it's going to take to get there. You need to work on your relationship like you work on your career to head off any problems between the two.
Don't let your career take over your life. Be sure to set aside some time to spend together regularly.
Don't make your partner feel the need to compete with your career. Discuss your day with her -- good or bad -- so they don't feel left out.
Just because your career is fulfilling to you it doesn't mean it's fulfilling to him. Encourage him to set his own goals and achievements.
Perhaps a career coach can help. Amy Dorn Kopelan, founder and executive director of COACH ME, Inc., a non-profit organization that provides executive coaching to women in the early stages of their career who cannot afford it on their own, contends, "In many cases, people hold themselves back because they don't want to approach their mates and talk about what they really want."
Sometimes Professional Help is Needed
If the problem persists, Sue Murphy, Association Manager for the National Human Resources Association, says the employee may want to contact the company's Employee Assistance Program, where counselors can address the spouse's issues and behavior.
Today, more than 80 percent of Fortune's Top 500 have an Employee Assistance Program (EAP) in place, according to Katie Borkowski, professional services director of the Employee Assistance Professionals Association.
While sometimes it just takes a neutral third party to help you talk things out, some partner problems require more than counseling. In the case of the engineer, his wife eventually entered a mental health facility to deal with her issues. If your company doesn't have an EAP, often mental health services are often covered under medical insurance plans.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Get the Best Seat
Fred Harteis News Articles - We've all been there -- the small child kicking the back of your seat, the lack of leg room, the war over the armrest. While there's no fail-safe way to guarantee that aisle seat in the exit row near the front of the plane with no one sitting next to you, we have some tactics that will help. Here are our tips for getting the best seat on the plane.
Join a frequent flyer program. This is the single most reliable tactic you can use. Providing your frequent flyer number at the time of reservation often guarantees you a good seat, especially if you are a loyal and frequent traveler. If you don't already have your seat assignment when you arrive at the airport, present your number at check-in.
Buy your tickets early. The number of seats available for pre-assignment dwindles as the travel date approaches. If you can't buy your tickets at least several weeks in advance, arrive at the airport early to secure the best possible seat.
Ask the agent for good seats. Sometimes, all you have to do is ask. If you have a medical condition, let the agent know. Most will do their best to accommodate you. Get to the airport early, or call on the day of travel. Many airlines release seats the day of the flight. They are yours if you're around to claim them. Approach agents in a spirit of understanding. They hear complaints and demands all day. Treat them like human beings, and they may surprise you.
Use a travel agent. They can often get seat assignments that the average traveler can't.
Try online booking engines, such as Priceline, Travelocity and Orbitz. Many allow you to select your seat from an interactive seating map. Of course, this works only for seats the airline has already released, but at least you get to choose.
For fliers who let more than just the lowest price dictate what airline they choose, an invaluable resource is SeatGuru.com. The Web site allows you to view and compare the seat plans of the most popular airlines and even check out what you can expect in the way of in-flight entertainment and whether or not you'll have laptop power at your seat.
What Makes a Great Seat? Typically, exit rows, aisle or window seats, and seats nearer to the front of the plane are considered the best. Be careful: not all exit or "bulkhead" rows are created equal. On some planes, the first bulkhead row may be cramped and uncomfortable. Often times you are better to head farther back on the plane.
On a short business trip, you probably want an aisle seat near the front of the plane. On an overnight flight, you'll want a window seat so you can rest your head. Nervous fliers may want to sit over the wing, where there is less turbulence. Rows near flight attendant areas and restrooms may be noisier and experience more traffic, and seats very close to cabin movie screens can be uncomfortable, or bright if you are trying to sleep.
Aircraft seat maps vary by airline and type of plane. If you know exactly what seat you want, it can be easier for agents to get it for you. Instead of asking for an exit row, or "a good seat," if you can ask for "12A," you're more likely to get what you want. Many airlines have online seat maps, go to our collection of Airline 800 Numbers and Web sites for information.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - We've all been there -- the small child kicking the back of your seat, the lack of leg room, the war over the armrest. While there's no fail-safe way to guarantee that aisle seat in the exit row near the front of the plane with no one sitting next to you, we have some tactics that will help. Here are our tips for getting the best seat on the plane.
Join a frequent flyer program. This is the single most reliable tactic you can use. Providing your frequent flyer number at the time of reservation often guarantees you a good seat, especially if you are a loyal and frequent traveler. If you don't already have your seat assignment when you arrive at the airport, present your number at check-in.
Buy your tickets early. The number of seats available for pre-assignment dwindles as the travel date approaches. If you can't buy your tickets at least several weeks in advance, arrive at the airport early to secure the best possible seat.
Ask the agent for good seats. Sometimes, all you have to do is ask. If you have a medical condition, let the agent know. Most will do their best to accommodate you. Get to the airport early, or call on the day of travel. Many airlines release seats the day of the flight. They are yours if you're around to claim them. Approach agents in a spirit of understanding. They hear complaints and demands all day. Treat them like human beings, and they may surprise you.
Use a travel agent. They can often get seat assignments that the average traveler can't.
Try online booking engines, such as Priceline, Travelocity and Orbitz. Many allow you to select your seat from an interactive seating map. Of course, this works only for seats the airline has already released, but at least you get to choose.
For fliers who let more than just the lowest price dictate what airline they choose, an invaluable resource is SeatGuru.com. The Web site allows you to view and compare the seat plans of the most popular airlines and even check out what you can expect in the way of in-flight entertainment and whether or not you'll have laptop power at your seat.
What Makes a Great Seat? Typically, exit rows, aisle or window seats, and seats nearer to the front of the plane are considered the best. Be careful: not all exit or "bulkhead" rows are created equal. On some planes, the first bulkhead row may be cramped and uncomfortable. Often times you are better to head farther back on the plane.
On a short business trip, you probably want an aisle seat near the front of the plane. On an overnight flight, you'll want a window seat so you can rest your head. Nervous fliers may want to sit over the wing, where there is less turbulence. Rows near flight attendant areas and restrooms may be noisier and experience more traffic, and seats very close to cabin movie screens can be uncomfortable, or bright if you are trying to sleep.
Aircraft seat maps vary by airline and type of plane. If you know exactly what seat you want, it can be easier for agents to get it for you. Instead of asking for an exit row, or "a good seat," if you can ask for "12A," you're more likely to get what you want. Many airlines have online seat maps, go to our collection of Airline 800 Numbers and Web sites for information.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Thursday, July 20, 2006
Fred Harteis News Articles - 5 ways to destroy your credit
Fred Harteis News Articles - Taking a wrecking ball to your credit rating is probably best likened to striking a match and burning all of the cash in your wallet. The concept is simple: a bad credit rating means higher interest rates and ultimately less savings for you.
Your credit score, or your FICO score, ranges from the worst possible score of a 300 to a perfect 850, and is determined by such factors as paying your bills on-time, the amount of money you owe as well as the length of your credit history, according to the company Fair Isaac, which runs the scoring system.
So while closing out those credit card accounts you don't use or rolling over all your outstanding debt to one card may seem like sensible moves, you might actually be killing your credit rating.
Late payments
The easiest way to lower your credit score is through delinquent payments or by skipping out on a bill altogether. Since your payment history makes up 35 percent of your credit score, failing to make the minimum payment within 30 days of the due date could send your score plummeting, says Craig Watts, a spokesperson for Fair Isaac.
Say for example you've never missed a payment and have a credit score in the high 700s or low 800s. If you were to miss the 30-day grace period, your score could drop by 100 points or more.
High card balances, low FICO score
Maxing out your credit cards or pushing your account to its limit is another surefire way to bring down that FICO score, says Watts. Experts say that consumers should aim to keep the balance on their credit card accounts no higher than 35 percent of their credit line. That means if you have $1000 credit limit on your card, try to keep the balance no higher than $350.
Closing credit cards
Ok, ok, we know what you're thinking: 'I've got an unhealthy number of credit cards in my wallet, I think I'll start closing those out to help my credit score.' Not so fast, warns Steven Katz, a spokesperson for TransUnion, one of the country's three major credit reporting agencies.
Since part of your score is based on the length of time certain lines of credit have been open, closing out that 10-year old credit card could take a bite out of your credit score. "It's negative because it's taking away a reference to a positive credit history," says Katz.
Too many in-store cards
It's always a temptation at the checkout line, but signing up for a Home Depot, Macy's or any in-store credit card just to get a 10 percent or 15 percent discount may work against your FICO score. Even if you vow to promptly pay them off, opening up several of these accounts in succession could spell trouble for your score because opening multiple lines of credit in short period of time is considered abnormal behavior by credit agencies, according to Fair Isaac, and it suggests that you might be more of a credit risk.
Fines that add up
A $30 library fine or a $75 parking ticket. Who cares, right? Well, that could be changing, says Watts. More often nowadays, municipal governments are turning outstanding fines over to collection agencies, who have the ability to trash your credit rating if you don't pay up. Watts says that if a collection agency reports you were not able to pay that overdue library fees or parking ticket, that could drop your credit rating by 100 points or more.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Taking a wrecking ball to your credit rating is probably best likened to striking a match and burning all of the cash in your wallet. The concept is simple: a bad credit rating means higher interest rates and ultimately less savings for you.
Your credit score, or your FICO score, ranges from the worst possible score of a 300 to a perfect 850, and is determined by such factors as paying your bills on-time, the amount of money you owe as well as the length of your credit history, according to the company Fair Isaac, which runs the scoring system.
So while closing out those credit card accounts you don't use or rolling over all your outstanding debt to one card may seem like sensible moves, you might actually be killing your credit rating.
Late payments
The easiest way to lower your credit score is through delinquent payments or by skipping out on a bill altogether. Since your payment history makes up 35 percent of your credit score, failing to make the minimum payment within 30 days of the due date could send your score plummeting, says Craig Watts, a spokesperson for Fair Isaac.
Say for example you've never missed a payment and have a credit score in the high 700s or low 800s. If you were to miss the 30-day grace period, your score could drop by 100 points or more.
High card balances, low FICO score
Maxing out your credit cards or pushing your account to its limit is another surefire way to bring down that FICO score, says Watts. Experts say that consumers should aim to keep the balance on their credit card accounts no higher than 35 percent of their credit line. That means if you have $1000 credit limit on your card, try to keep the balance no higher than $350.
Closing credit cards
Ok, ok, we know what you're thinking: 'I've got an unhealthy number of credit cards in my wallet, I think I'll start closing those out to help my credit score.' Not so fast, warns Steven Katz, a spokesperson for TransUnion, one of the country's three major credit reporting agencies.
Since part of your score is based on the length of time certain lines of credit have been open, closing out that 10-year old credit card could take a bite out of your credit score. "It's negative because it's taking away a reference to a positive credit history," says Katz.
Too many in-store cards
It's always a temptation at the checkout line, but signing up for a Home Depot, Macy's or any in-store credit card just to get a 10 percent or 15 percent discount may work against your FICO score. Even if you vow to promptly pay them off, opening up several of these accounts in succession could spell trouble for your score because opening multiple lines of credit in short period of time is considered abnormal behavior by credit agencies, according to Fair Isaac, and it suggests that you might be more of a credit risk.
Fines that add up
A $30 library fine or a $75 parking ticket. Who cares, right? Well, that could be changing, says Watts. More often nowadays, municipal governments are turning outstanding fines over to collection agencies, who have the ability to trash your credit rating if you don't pay up. Watts says that if a collection agency reports you were not able to pay that overdue library fees or parking ticket, that could drop your credit rating by 100 points or more.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Wednesday, July 19, 2006
Fred Harteis News Articles - Keeping your marriage financially fit
Fred Harteis News Articles - course love is blind, but that doesn't mean that you have to be. Tying the knot binds your finances together too. for better or worse, in today's top 5 tips we're going to tell you how you can achieve financial harmony in your marriage.
1. Swap your dirty secrets
Go ahead, show your financial warts! And start with your credit report. Everyone has baggage when it comes to their finances. It could be that pesky old credit card debt or your student loans.
2. Keep at least two accounts
It may be a good idea to have a pot of money shared between the two of you to be used for paying the household bills. And each spouse should be able to take over the joint account. This way one person isn't stuck paying the bills all the time. And of course, you may want to keep some discretionary cash on the side. This way you'll both share responsibility for the daily expenses, while also keeping a budget for things you enjoy. At the end of the day we could all use a bit of autonomy.
3. Beware of joint filing risks
Of course there are a lot of benefits to filing jointly - tax breaks for one. But if you have concerns about your spouse's credit history, you may want to take some precautions. Once you file jointly, you're just as liable.
You can get relief from joint liability if you apply for innocent spouse status to the IRS, but it can be very hard to prove according to Amanda Walker of Consumer Reports. In fact, the IRS grants less than 3 in 10 requests for innocent spouse.
4. List your assets
If you've been married for a while, it's natural to forget who owns what. But it's always a good idea to list what you have and then determine how you want it to be distributed after your death.
Unless it's specifically stated in a will or a living trust, your assets might all go to your spouse. If you're in a second marriage, you want to pay specific attention to this. If you want to leave your property to your kids from the first marriage, it's something that needs to be spelled out since your assets may automatically go to your spouse, according to estate planning specialist Barbara Cane.
5. Be 401(k) savvy
Your 401(k) plans are yours. But make sure you know the strengths and weaknesses of each of your retirement plans so you can balance out each others investments. Plans may have different matching contributions, and investment options. It's likely that one partner is more conservative and the other is more aggressive, but the takeaway is that the whole retirement pot is allocated properly.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. With a background in Agriculture Fred Harteis has lead many successful business ventures.
Fred Harteis News Articles - course love is blind, but that doesn't mean that you have to be. Tying the knot binds your finances together too. for better or worse, in today's top 5 tips we're going to tell you how you can achieve financial harmony in your marriage.
1. Swap your dirty secrets
Go ahead, show your financial warts! And start with your credit report. Everyone has baggage when it comes to their finances. It could be that pesky old credit card debt or your student loans.
2. Keep at least two accounts
It may be a good idea to have a pot of money shared between the two of you to be used for paying the household bills. And each spouse should be able to take over the joint account. This way one person isn't stuck paying the bills all the time. And of course, you may want to keep some discretionary cash on the side. This way you'll both share responsibility for the daily expenses, while also keeping a budget for things you enjoy. At the end of the day we could all use a bit of autonomy.
3. Beware of joint filing risks
Of course there are a lot of benefits to filing jointly - tax breaks for one. But if you have concerns about your spouse's credit history, you may want to take some precautions. Once you file jointly, you're just as liable.
You can get relief from joint liability if you apply for innocent spouse status to the IRS, but it can be very hard to prove according to Amanda Walker of Consumer Reports. In fact, the IRS grants less than 3 in 10 requests for innocent spouse.
4. List your assets
If you've been married for a while, it's natural to forget who owns what. But it's always a good idea to list what you have and then determine how you want it to be distributed after your death.
Unless it's specifically stated in a will or a living trust, your assets might all go to your spouse. If you're in a second marriage, you want to pay specific attention to this. If you want to leave your property to your kids from the first marriage, it's something that needs to be spelled out since your assets may automatically go to your spouse, according to estate planning specialist Barbara Cane.
5. Be 401(k) savvy
Your 401(k) plans are yours. But make sure you know the strengths and weaknesses of each of your retirement plans so you can balance out each others investments. Plans may have different matching contributions, and investment options. It's likely that one partner is more conservative and the other is more aggressive, but the takeaway is that the whole retirement pot is allocated properly.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. With a background in Agriculture Fred Harteis has lead many successful business ventures.
Tuesday, July 18, 2006
Fred Harteis News Articles - 10 Lessons From 'Rich Dad's Before You Quit Your Job
Fred Harteis News Articles - If you've ever toyed with the idea of starting your own company, what the heck is stopping you? The possibility of failure? Zero job security? The potential of going into debt? Lack of funding? Cluelessness about running a business? Sure, those are valid fears. But self-employment is always going to have its risks.
You might believe you just weren't born to be the Henry Ford of your time, but the truth is that anyone can be an entrepreneur, according to Robert T. Kiyosaki, author of 'Rich Dad's Before You Quit Your Job: 10 Real-Life Lessons Every Entrepreneur Should Know About Building a Multimillion-Dollar Business.
Lesson 1: A Successful Business Is Created Before There Is a Business
All too often, new entrepreneurs get so excited about a new product or opportunity that they forget to invest the time designing the operation around the product or opportunity. Before you quit your job, study the lives of industrialists and the different types of companies they created, Kiyosaki advises. Better yet, keep your daytime job while starting a part-time business -- for the experience. "Not only will you learn about business, you will learn a lot about yourself," he says.
Lesson 2: Learn How to Turn Bad Luck Into Good Luck
Rather than wallowing in the anger or sadness of making a mistake, take the opportunity to learn something new from that mistake and turn a bad experience into a good one.
Lesson 3: Know the Difference Between Your Job and Your Work
Work is what you do to prepare for your job, and doesn't necessarily mean getting paid. "Do your homework," Kiyosaki stresses repeatedly. Creating a lucrative enterprise entails five jobs: delivering a good product, knowing your legal rights, establishing a system, establishing communications and managing cash flow. If you aren't qualified to do all of these jobs, be prepared to work until you are or hire others -- such as an accountant and a lawyer -- who are.
Lesson 4: Success Reveals Your Failures
"Before quitting your job, know that your most important job is to develop yourself," Kiyosaki says. A business that is initially booming is still inclined to fail if the company does not continue to develop. It's not enough to cover every aspect of launching a business; you must constantly strengthen those elements in order to maintain the prosperity of that undertaking.
Lesson 5: The Process Is More Important Than the Goal
If you approach a business venture as a learning experience, rather than a get-rich-quick scheme, it will be that much easier to bounce back from mistakes and achieve long-term success. "High expenses are an everyday challenge in business," Kiyosaki says. Consult an experienced accountant before you begin to help you anticipate how much money you will need to both support production and cover additional expenses. If you're not willing to face these challenges, you should not become an entrepreneur.
Lesson 6: The Best Answers Are Found in Your Heart ... Not Your Head
Make it your company's mission to work for others, not just itself. Working towards a mission that goes beyond simply making money will ensure the best quality of work and greater likelihood of success.
Lesson 7: The Scope of the Mission Determines the Product
While designing your business, determine how big you want it to be. Deciding whether you want to own a small business or a big corporation will set the stage for how you produce and market your product.
Lesson 8: Design a Business That Can Do Something That No Other Business Can Do
"Simply put, focus all your efforts on your core strength, your unique product," Kiyosaki writes. Kiyosaki uses Domino's Pizza as an example of a business designed around a unique tactical advantage: offering a pizza in 30 minutes or less. By offering something no other pizza vendor did, Domino's immediately began taking market share from its competitors.
Lesson 9: Don't Fight for the Bargain Basement
"Ultimately, the most important job of an entrepreneur is to be first in the mind of your customers. Market your product as No. 1. "If you are not first in your category, then invent a new category you can be the first in."
Lesson 10: Know When to Quit
Sometimes it is best to cut your losses. Not everyone should be an entrepreneur, and only those who love it and accept it as an educational process should do so. Understand that becoming an entrepreneur is a process that involves failing. Certainly, Kiyosaki's mission in writing this book is to prevent others from making all the same mistakes he did, but there will be times when quitting will seem like the easiest and best thing to do.
Source: Careerbuilders.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has lead many successful business ventures.
Fred Harteis News Articles - If you've ever toyed with the idea of starting your own company, what the heck is stopping you? The possibility of failure? Zero job security? The potential of going into debt? Lack of funding? Cluelessness about running a business? Sure, those are valid fears. But self-employment is always going to have its risks.
You might believe you just weren't born to be the Henry Ford of your time, but the truth is that anyone can be an entrepreneur, according to Robert T. Kiyosaki, author of 'Rich Dad's Before You Quit Your Job: 10 Real-Life Lessons Every Entrepreneur Should Know About Building a Multimillion-Dollar Business.
Lesson 1: A Successful Business Is Created Before There Is a Business
All too often, new entrepreneurs get so excited about a new product or opportunity that they forget to invest the time designing the operation around the product or opportunity. Before you quit your job, study the lives of industrialists and the different types of companies they created, Kiyosaki advises. Better yet, keep your daytime job while starting a part-time business -- for the experience. "Not only will you learn about business, you will learn a lot about yourself," he says.
Lesson 2: Learn How to Turn Bad Luck Into Good Luck
Rather than wallowing in the anger or sadness of making a mistake, take the opportunity to learn something new from that mistake and turn a bad experience into a good one.
Lesson 3: Know the Difference Between Your Job and Your Work
Work is what you do to prepare for your job, and doesn't necessarily mean getting paid. "Do your homework," Kiyosaki stresses repeatedly. Creating a lucrative enterprise entails five jobs: delivering a good product, knowing your legal rights, establishing a system, establishing communications and managing cash flow. If you aren't qualified to do all of these jobs, be prepared to work until you are or hire others -- such as an accountant and a lawyer -- who are.
Lesson 4: Success Reveals Your Failures
"Before quitting your job, know that your most important job is to develop yourself," Kiyosaki says. A business that is initially booming is still inclined to fail if the company does not continue to develop. It's not enough to cover every aspect of launching a business; you must constantly strengthen those elements in order to maintain the prosperity of that undertaking.
Lesson 5: The Process Is More Important Than the Goal
If you approach a business venture as a learning experience, rather than a get-rich-quick scheme, it will be that much easier to bounce back from mistakes and achieve long-term success. "High expenses are an everyday challenge in business," Kiyosaki says. Consult an experienced accountant before you begin to help you anticipate how much money you will need to both support production and cover additional expenses. If you're not willing to face these challenges, you should not become an entrepreneur.
Lesson 6: The Best Answers Are Found in Your Heart ... Not Your Head
Make it your company's mission to work for others, not just itself. Working towards a mission that goes beyond simply making money will ensure the best quality of work and greater likelihood of success.
Lesson 7: The Scope of the Mission Determines the Product
While designing your business, determine how big you want it to be. Deciding whether you want to own a small business or a big corporation will set the stage for how you produce and market your product.
Lesson 8: Design a Business That Can Do Something That No Other Business Can Do
"Simply put, focus all your efforts on your core strength, your unique product," Kiyosaki writes. Kiyosaki uses Domino's Pizza as an example of a business designed around a unique tactical advantage: offering a pizza in 30 minutes or less. By offering something no other pizza vendor did, Domino's immediately began taking market share from its competitors.
Lesson 9: Don't Fight for the Bargain Basement
"Ultimately, the most important job of an entrepreneur is to be first in the mind of your customers. Market your product as No. 1. "If you are not first in your category, then invent a new category you can be the first in."
Lesson 10: Know When to Quit
Sometimes it is best to cut your losses. Not everyone should be an entrepreneur, and only those who love it and accept it as an educational process should do so. Understand that becoming an entrepreneur is a process that involves failing. Certainly, Kiyosaki's mission in writing this book is to prevent others from making all the same mistakes he did, but there will be times when quitting will seem like the easiest and best thing to do.
Source: Careerbuilders.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has lead many successful business ventures.
Monday, July 17, 2006
Fred Harteis News Articles - Six Tricks To Fake Your Way To The Top
Fred Harteis News Articles - It's a dynamic familiar to anyone who's ever been assigned a group project in school. While most individuals on a team will dedicate at least some level of effort towards their specified responsibilities, there is always one individual in the group who does absolutely nothing and inherits a grade they didn't deserve.
What's worse is that these seemingly incompetent individuals go on to careers where they receive undeserved pay increases, benefits and promotions over more worthy colleagues. The reason for this workplace injustice? To get ahead in any company, you may not have to be competent, diligent or resourceful, but you had better make sure your boss thinks you're working hard.
Below are six office habits that will make your boss think you're the glue holding the company together and not what you really are:
1- CC almost all of your outgoing e-mails to your boss
CCing is a great way of flaunting work in front of your boss' face. Be they e-mails of major or minor significance, CCing allows you to selectively pump the message "I am working hard" into your supervisor's head. Moreover, even if your employer doesn't bother reading these e-mails in full, they are a constant reminder that you are doing your job.
2- Carry a notebook and never let it leave your side
For some reason, employers tend to assume that if someone is scribbling in a notepad while they are walking around an office, they are inherently productive. Even if you're drawing pictures of your boss' desperate housewife, management will see your notepad as a sign that you are a lean, mean, corporate predator, ready to feast on the innards of your lazy, unproductive, notepad-less coworkers.
3- Report office issues to your boss before anyone else does
Countless inept employees have solidified their place as the boss' right-hand man simply by channeling information that is widely known throughout the office up to their superiors.
Whether it's informing management that the company firewall is inhibiting e-mails from reaching the admin. department or noting that the water cooler has been empty for three weeks, reporting the daily events of the office to your boss crystallizes your role as the company's guardian angel.
4- Keep your phone on your shoulder and your best work on your PC
These are two very important habits that ensure you look productive whenever an employer may decide to pass by your workstation.
Firstly, having a piece of plastic on your shoulder shouldn't make you seem like a dynamic professional about to land the company's next big contract but -- because that piece of plastic is shaped like a phone -- it does. Secondly, leaving the best work you've done on your computer's desktop ensures you're presenting yourself as a focused and driven executive and not the idle employee who minimized this AskMen.com article upon hearing your boss' footsteps.
5- Act stressed
Used before the time of e-mail, telephones and notepads, feigning stress is a classic method of workplace self-promotion as the logic behind it is simple and rock solid: All bosses believe that more work means more stress, thus someone who is very stressed must be working very hard.
6- On your day off, call your boss from the office
Even if you stay out clubbing to the break of dawn, make a habit of passing by your workplace on the way home and provide your supervisor with a weekend wake up call. Though they might be a bit upset about being confronted with office affairs on their day off, calling your boss on the weekend forever establishes your reputation as an employee that lives to work.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - It's a dynamic familiar to anyone who's ever been assigned a group project in school. While most individuals on a team will dedicate at least some level of effort towards their specified responsibilities, there is always one individual in the group who does absolutely nothing and inherits a grade they didn't deserve.
What's worse is that these seemingly incompetent individuals go on to careers where they receive undeserved pay increases, benefits and promotions over more worthy colleagues. The reason for this workplace injustice? To get ahead in any company, you may not have to be competent, diligent or resourceful, but you had better make sure your boss thinks you're working hard.
Below are six office habits that will make your boss think you're the glue holding the company together and not what you really are:
1- CC almost all of your outgoing e-mails to your boss
CCing is a great way of flaunting work in front of your boss' face. Be they e-mails of major or minor significance, CCing allows you to selectively pump the message "I am working hard" into your supervisor's head. Moreover, even if your employer doesn't bother reading these e-mails in full, they are a constant reminder that you are doing your job.
2- Carry a notebook and never let it leave your side
For some reason, employers tend to assume that if someone is scribbling in a notepad while they are walking around an office, they are inherently productive. Even if you're drawing pictures of your boss' desperate housewife, management will see your notepad as a sign that you are a lean, mean, corporate predator, ready to feast on the innards of your lazy, unproductive, notepad-less coworkers.
3- Report office issues to your boss before anyone else does
Countless inept employees have solidified their place as the boss' right-hand man simply by channeling information that is widely known throughout the office up to their superiors.
Whether it's informing management that the company firewall is inhibiting e-mails from reaching the admin. department or noting that the water cooler has been empty for three weeks, reporting the daily events of the office to your boss crystallizes your role as the company's guardian angel.
4- Keep your phone on your shoulder and your best work on your PC
These are two very important habits that ensure you look productive whenever an employer may decide to pass by your workstation.
Firstly, having a piece of plastic on your shoulder shouldn't make you seem like a dynamic professional about to land the company's next big contract but -- because that piece of plastic is shaped like a phone -- it does. Secondly, leaving the best work you've done on your computer's desktop ensures you're presenting yourself as a focused and driven executive and not the idle employee who minimized this AskMen.com article upon hearing your boss' footsteps.
5- Act stressed
Used before the time of e-mail, telephones and notepads, feigning stress is a classic method of workplace self-promotion as the logic behind it is simple and rock solid: All bosses believe that more work means more stress, thus someone who is very stressed must be working very hard.
6- On your day off, call your boss from the office
Even if you stay out clubbing to the break of dawn, make a habit of passing by your workplace on the way home and provide your supervisor with a weekend wake up call. Though they might be a bit upset about being confronted with office affairs on their day off, calling your boss on the weekend forever establishes your reputation as an employee that lives to work.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Sunday, July 16, 2006
Fred Harteis News Articles - How to Avoid Getting Fired
Fred Harteis News Articles - "You're fired!" isn't just Donald Trump's catchphrase. It's a real fear among workers who worry that their jobs may be outsourced, automated, converted to temporary status or eliminated. There's no way to make yourself fire-proof, but these strategies will make you pretty darn fire-resistant:
Focus on your employer's priorities. Don't be distracted by responding to unimportant e-mails or marginal requests. Even if the request comes from your boss, ask, "Do you want me to defer [insert a central task] to do this instead?"
Cultivate relationships. Workplaces aren't always meritocracies. Employees who are better liked are often kept on, even if they're less competent at their work.
Know your boss's MO. Does he or she like to be asked questions? Be kept apprised of what you're up to? Prefer broad strokes or copious detail? Want to hear your opinion or just the facts? Does he or she prefer to communicate by e-mail, phone or in person? Don't know? Better find out.
Solicit ongoing feedback. Get ratings from your boss, co-workers, customers and people you supervise. Ask them what they like and dislike about your work, and request an informal evaluation: excellent, good, fair or poor. If they prefer anonymity, tell them to leave their ratings on your desk when you're not around.
Pick your battles. Employees should be free to disagree with those in charge. But discretion demands that you know when to press your point and when to back off.
Practice damage control. Take a lesson from public-relations pros: Apologize for a mistake immediately and forthrightly, but without protracted self-flagellation. Reassure everyone that you'll take measures to right the wrong, then move on. Soon it will be old news.
Neutralize your enemies. Take them out to lunch and try to find common interests. If that doesn't work, inoculate yourself against an enemy's virulence by letting people know that the two of you have issues that can't be resolved.
Promote yourself. Assume that your colleagues are marketing themselves to higher-ups, either overtly or surreptitiously. You can't afford to remain a church mouse. Prepare a five-second "elevator speech" that you can use when someone asks how you're doing. For example, "I just completed the Wi-Fi project. I learned a lot, and we got it done on time and on budget." To make sure you get credit for your own ideas, send a draft to others besides your boss with a request for feedback, or bring up your suggestions at a meeting.
Work hard. Who's more likely to get the ax: the clock-watcher or the employee who puts in extra time?
Learn the right stuff. Read articles, attend workshops and cultivate mentors in your field. If you are let go, you'll have cutting-edge skills that future employers will value.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - "You're fired!" isn't just Donald Trump's catchphrase. It's a real fear among workers who worry that their jobs may be outsourced, automated, converted to temporary status or eliminated. There's no way to make yourself fire-proof, but these strategies will make you pretty darn fire-resistant:
Focus on your employer's priorities. Don't be distracted by responding to unimportant e-mails or marginal requests. Even if the request comes from your boss, ask, "Do you want me to defer [insert a central task] to do this instead?"
Cultivate relationships. Workplaces aren't always meritocracies. Employees who are better liked are often kept on, even if they're less competent at their work.
Know your boss's MO. Does he or she like to be asked questions? Be kept apprised of what you're up to? Prefer broad strokes or copious detail? Want to hear your opinion or just the facts? Does he or she prefer to communicate by e-mail, phone or in person? Don't know? Better find out.
Solicit ongoing feedback. Get ratings from your boss, co-workers, customers and people you supervise. Ask them what they like and dislike about your work, and request an informal evaluation: excellent, good, fair or poor. If they prefer anonymity, tell them to leave their ratings on your desk when you're not around.
Pick your battles. Employees should be free to disagree with those in charge. But discretion demands that you know when to press your point and when to back off.
Practice damage control. Take a lesson from public-relations pros: Apologize for a mistake immediately and forthrightly, but without protracted self-flagellation. Reassure everyone that you'll take measures to right the wrong, then move on. Soon it will be old news.
Neutralize your enemies. Take them out to lunch and try to find common interests. If that doesn't work, inoculate yourself against an enemy's virulence by letting people know that the two of you have issues that can't be resolved.
Promote yourself. Assume that your colleagues are marketing themselves to higher-ups, either overtly or surreptitiously. You can't afford to remain a church mouse. Prepare a five-second "elevator speech" that you can use when someone asks how you're doing. For example, "I just completed the Wi-Fi project. I learned a lot, and we got it done on time and on budget." To make sure you get credit for your own ideas, send a draft to others besides your boss with a request for feedback, or bring up your suggestions at a meeting.
Work hard. Who's more likely to get the ax: the clock-watcher or the employee who puts in extra time?
Learn the right stuff. Read articles, attend workshops and cultivate mentors in your field. If you are let go, you'll have cutting-edge skills that future employers will value.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Saturday, July 15, 2006
Fred Harteis Business News - Super ethanol is on its way
Fred Harteis Business News - Cellulosic ethanol, the biofuel that differs from corn-based ethanol in that it can be made from pretty much any organic matter, has made an impression among people who matter.
Alan Greenspan, the revered former chairman of the Federal Reserve with a big distaste for irrational exuberance, recently sang its praises before a Congressional hearing on energy security. Greenspan said cellulosic ethanol is the only alternative energy source that could be produced in enough volume to make a dent in gas usage.
"You'll get an awful lot of investments [into this technology] coming in, especially if the numbers make sense, which I think they do," he said.
And last month Goldman Sachs, the world's largest investment bank, poured $27 million into Iogen, a Canadian-based biotech specializing in ethanol made from cellulose.
It used to be thought that this fuel, which some argue has the potential to replace more than two thirds of all gasoline used in the U.S., was decades away from commercial viability.
But high gas prices, a touch of technical innovation, and a healthy dose of capital may move that date up.
"There are a lot of people who think the technology is there," and could be competitive even if oil prices return to $30 a barrel, said Greg Bohannon, a managing partner at Greenrock Capital, a California-based private equity fund that focuses on renewable energy. "Why would Goldman Sachs invest in a company that's not going to be commercially viable for 10 years?"
Chances are, they didn't.
Most ethanol currently produced in the U.S. is made from corn kernels. Its benefits have been well documented in the press, especially since gasoline prices reached a record average of $3.06 a gallon last September, and haven't fallen much since.
Ethanol is clean burning. It's renewable. And it costs about a dollar a gallon to produce. Existing cars can run on 10 percent ethanol with no modifications, and they'd need only about $100 worth of tinkering to be 85 percent ethanol powered. And, perhaps most importantly, it's domestically produced.
But there are a few major problems with corn-based ethanol.
First, it takes a lot of energy to make it. According to the Department of Energy, most studies put the ratio as low as 1:1.4 - meaning that for every one unit of energy spent, only 1.4 units of ethanol energy are created. Indeed, there are some camps who believe producing corn-based ethanol actually results in a net loss of energy.
Second, an expensive infrastructure would need to be built if people started using mostly ethanol in their vehicles, since ethanol is water soluble and the existing pipelines and filling station equipment for gasoline are not completely water tight.
Third, there's not enough corn available. John Ashworth, a biomass expert at the Department of Energy's National Renewable Energy Laboratory, said corn could only supply about 12 to 18 billion gallons of ethanol a year, or about 10 percent of the nation's 140 billion gallon-a-year gasoline habit.
Source: Cnn.com
About Fred Harteis: Fred Harteis is president of Harteis International Organization. With a back ground in agriculture Fred Harteis has lead many successful business ventures.
Fred Harteis Business News - Cellulosic ethanol, the biofuel that differs from corn-based ethanol in that it can be made from pretty much any organic matter, has made an impression among people who matter.
Alan Greenspan, the revered former chairman of the Federal Reserve with a big distaste for irrational exuberance, recently sang its praises before a Congressional hearing on energy security. Greenspan said cellulosic ethanol is the only alternative energy source that could be produced in enough volume to make a dent in gas usage.
"You'll get an awful lot of investments [into this technology] coming in, especially if the numbers make sense, which I think they do," he said.
And last month Goldman Sachs, the world's largest investment bank, poured $27 million into Iogen, a Canadian-based biotech specializing in ethanol made from cellulose.
It used to be thought that this fuel, which some argue has the potential to replace more than two thirds of all gasoline used in the U.S., was decades away from commercial viability.
But high gas prices, a touch of technical innovation, and a healthy dose of capital may move that date up.
"There are a lot of people who think the technology is there," and could be competitive even if oil prices return to $30 a barrel, said Greg Bohannon, a managing partner at Greenrock Capital, a California-based private equity fund that focuses on renewable energy. "Why would Goldman Sachs invest in a company that's not going to be commercially viable for 10 years?"
Chances are, they didn't.
Most ethanol currently produced in the U.S. is made from corn kernels. Its benefits have been well documented in the press, especially since gasoline prices reached a record average of $3.06 a gallon last September, and haven't fallen much since.
Ethanol is clean burning. It's renewable. And it costs about a dollar a gallon to produce. Existing cars can run on 10 percent ethanol with no modifications, and they'd need only about $100 worth of tinkering to be 85 percent ethanol powered. And, perhaps most importantly, it's domestically produced.
But there are a few major problems with corn-based ethanol.
First, it takes a lot of energy to make it. According to the Department of Energy, most studies put the ratio as low as 1:1.4 - meaning that for every one unit of energy spent, only 1.4 units of ethanol energy are created. Indeed, there are some camps who believe producing corn-based ethanol actually results in a net loss of energy.
Second, an expensive infrastructure would need to be built if people started using mostly ethanol in their vehicles, since ethanol is water soluble and the existing pipelines and filling station equipment for gasoline are not completely water tight.
Third, there's not enough corn available. John Ashworth, a biomass expert at the Department of Energy's National Renewable Energy Laboratory, said corn could only supply about 12 to 18 billion gallons of ethanol a year, or about 10 percent of the nation's 140 billion gallon-a-year gasoline habit.
Source: Cnn.com
About Fred Harteis: Fred Harteis is president of Harteis International Organization. With a back ground in agriculture Fred Harteis has lead many successful business ventures.
Friday, July 14, 2006
Fred Harteis News Articles - Microsoft to take on iPod by Christmas
Fred Harteis News Articles - Microsoft will start selling a wireless digital music and video player to compete with Apple's iPod by Christmas, sources close to the matter said Wednesday.
The new player, which Microsoft has been touting to record companies in the last few weeks, will let users download music and videos over the air, according to one source, a feature which would give it an edge over the iPod.
Microsoft has also been showing a new media software application akin to Apple's iPod/iTunes integrated ecosystem, according to another source.
Record companies are expected to be receiving prototypes to test in the coming weeks, said the first source. The sources said Microsoft will be throwing significant marketing dollars behind the launch.
"They're proposing an iTunes model approach," the first source told Reuters. "They're now interested in controlling the whole vertical stack of technology from the device to the service to the software."
Both Apple's iPod player and iTunes Music Store are runaway leaders in their respective market sectors. The iPod has more than half of the digital media player market, according to research company NPD, while iTunes accounts for over 70 percent of digital music sales in the U.S.
Robbie Bach, appointed president of Microsoft's entertainment and devices division in December, is working with J. Allard, vice president of its Xbox team, on the unnamed digital media player/software project, according to a source close to Microsoft.
Allard's involvement is seen as significant because he is one of the few executives at Microsoft with experience in launching a consumer electronic device from scratch with the X-Box gaming system.
Analysts believe that for Microsoft to have any chance of competing with Apple in the next year, the software giant will need to have a player and service ready in time for the Christmas season, seen as crucial for the success of any consumer electronics launch.
Apple's simple approach to providing an integrated, seamless ecosystem for digital media is seen as the key to its success with iPod/iTunes.
"The success of Apple is that they've been able to create a very seamless experience, said Mike McGuire, analyst at Gartner Research."That ability to control the hardware and software has given them an edge."
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Microsoft will start selling a wireless digital music and video player to compete with Apple's iPod by Christmas, sources close to the matter said Wednesday.
The new player, which Microsoft has been touting to record companies in the last few weeks, will let users download music and videos over the air, according to one source, a feature which would give it an edge over the iPod.
Microsoft has also been showing a new media software application akin to Apple's iPod/iTunes integrated ecosystem, according to another source.
Record companies are expected to be receiving prototypes to test in the coming weeks, said the first source. The sources said Microsoft will be throwing significant marketing dollars behind the launch.
"They're proposing an iTunes model approach," the first source told Reuters. "They're now interested in controlling the whole vertical stack of technology from the device to the service to the software."
Both Apple's iPod player and iTunes Music Store are runaway leaders in their respective market sectors. The iPod has more than half of the digital media player market, according to research company NPD, while iTunes accounts for over 70 percent of digital music sales in the U.S.
Robbie Bach, appointed president of Microsoft's entertainment and devices division in December, is working with J. Allard, vice president of its Xbox team, on the unnamed digital media player/software project, according to a source close to Microsoft.
Allard's involvement is seen as significant because he is one of the few executives at Microsoft with experience in launching a consumer electronic device from scratch with the X-Box gaming system.
Analysts believe that for Microsoft to have any chance of competing with Apple in the next year, the software giant will need to have a player and service ready in time for the Christmas season, seen as crucial for the success of any consumer electronics launch.
Apple's simple approach to providing an integrated, seamless ecosystem for digital media is seen as the key to its success with iPod/iTunes.
"The success of Apple is that they've been able to create a very seamless experience, said Mike McGuire, analyst at Gartner Research."That ability to control the hardware and software has given them an edge."
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Thursday, July 13, 2006
Fred Harteis News Articles - Smart car is cool, but may fall short
Fred Harteis News Articles - DaimlerChrysler will begin selling a redesigned version of the company's Smart ForTwo in the United States beginning in early 2008, according to the company. But it will be a tough sell: Its price is higher than other cars that offer more space, while its fuel mileage is only slightly better.
Optimists point to the Smart's unique - some say stylish - appearance. Another plus is its relationship to Mercedes-Benz, which brings with it a certain engineering legitimacy.
Called a "city car," the ForTwo is almost two feet shorter than a Mini Cooper and 1,000 pounds lighter. As its name implies, the ForTwo is strictly a two-seater and storage space is limited. Its luggage space, at 5.3 cubic feet, is about the same as the Mini's.
The Smart ForTwo's big selling point is going to be fuel economy. For the current version, the company estimates a combined city/highway fuel mileage of about 40 miles per gallon, according to DaimlerChrysler. (The 60 mpg figure sometimes reported is for the diesel-engine version.)
The Toyota Yaris, which seats four and costs thousands less, gets an EPA-estimated 37 miles per gallon.
The ForTwo's impressive fuel economy is achieved, for the most part, through sheer tiny-ness. The current version is powered by a 0.7-liter, three-cylinder engine that produces a mere 60 horsepower and 74 foot-pounds of torque. In size and power, that's similar to a moderately powerful motorcycle engine.
Even with its small size, the current Smart's performance is truck-like. DaimlerChrysler estimates the current version's zero-to-sixty time at 15.5 seconds.
The 2007 redesign will not change the Smart ForTwo much in terms of its purpose or dimensions. But it will be improved in many ways while still having a starting price of "clearly less than $15,000," said DaimlerChrysler spokeswoman Bettina Singhartinger.
That price would place it as a competitor to considerably larger cars like the Ford Focus and Honda Civic. Cars like the Chevrolet Aveo and Toyota Yaris, which still offer considerably more space inside, sell for thousands less.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. With a background in Agriculture Fred Harteis has lead many successful business ventures.
Fred Harteis News Articles - DaimlerChrysler will begin selling a redesigned version of the company's Smart ForTwo in the United States beginning in early 2008, according to the company. But it will be a tough sell: Its price is higher than other cars that offer more space, while its fuel mileage is only slightly better.
Optimists point to the Smart's unique - some say stylish - appearance. Another plus is its relationship to Mercedes-Benz, which brings with it a certain engineering legitimacy.
Called a "city car," the ForTwo is almost two feet shorter than a Mini Cooper and 1,000 pounds lighter. As its name implies, the ForTwo is strictly a two-seater and storage space is limited. Its luggage space, at 5.3 cubic feet, is about the same as the Mini's.
The Smart ForTwo's big selling point is going to be fuel economy. For the current version, the company estimates a combined city/highway fuel mileage of about 40 miles per gallon, according to DaimlerChrysler. (The 60 mpg figure sometimes reported is for the diesel-engine version.)
The Toyota Yaris, which seats four and costs thousands less, gets an EPA-estimated 37 miles per gallon.
The ForTwo's impressive fuel economy is achieved, for the most part, through sheer tiny-ness. The current version is powered by a 0.7-liter, three-cylinder engine that produces a mere 60 horsepower and 74 foot-pounds of torque. In size and power, that's similar to a moderately powerful motorcycle engine.
Even with its small size, the current Smart's performance is truck-like. DaimlerChrysler estimates the current version's zero-to-sixty time at 15.5 seconds.
The 2007 redesign will not change the Smart ForTwo much in terms of its purpose or dimensions. But it will be improved in many ways while still having a starting price of "clearly less than $15,000," said DaimlerChrysler spokeswoman Bettina Singhartinger.
That price would place it as a competitor to considerably larger cars like the Ford Focus and Honda Civic. Cars like the Chevrolet Aveo and Toyota Yaris, which still offer considerably more space inside, sell for thousands less.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. With a background in Agriculture Fred Harteis has lead many successful business ventures.
Wednesday, July 12, 2006
Fred Harteis News Articles - Women shoppers browse, men plan ahead
Fred Harteis News Articles - When men go shopping for clothes, chances are they already know exactly what they want, while their female counterparts might take some time to browse, according to a recent survey conducted by MONEY Magazine and market research firm ICR.
The survey, which polled 1,010 Americans, revealed that 53 percent of shoppers know which item they want before they enter a store.
But those consumers who did shop with a purpose tended to be male, over the age of 35 and possess at least a college degree, according to the survey.
Shoppers that browsed before they purchase an item tended to be female, younger, live in a metropolitan area but only possessed a high school degree or less.
Fifty-four percent of individuals that made a purchase after browsing through merchandise, however, ended up returning items they did not want or need, according to the poll.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred has a background in agriculture and has lead many successful business ventures.
Fred Harteis News Articles - When men go shopping for clothes, chances are they already know exactly what they want, while their female counterparts might take some time to browse, according to a recent survey conducted by MONEY Magazine and market research firm ICR.
The survey, which polled 1,010 Americans, revealed that 53 percent of shoppers know which item they want before they enter a store.
But those consumers who did shop with a purpose tended to be male, over the age of 35 and possess at least a college degree, according to the survey.
Shoppers that browsed before they purchase an item tended to be female, younger, live in a metropolitan area but only possessed a high school degree or less.
Fifty-four percent of individuals that made a purchase after browsing through merchandise, however, ended up returning items they did not want or need, according to the poll.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred has a background in agriculture and has lead many successful business ventures.
Fred Harteis News Articles - Cheat your way to elite status
Fred Harteis News Articles - Any serious business traveler covets "elite" frequent flyer status. With it often comes faster check-in, special reservation hotlines, and, most importantly, free upgrades.
But here's a secret: You don't always have to fly a million miles to become an elite. In fact there are all kinds of cheats that can make a sneaky traveler into an important sneaky traveler.
Start by remembering this maxim: "I want to be pampered but I don't want to pay for it." Elite frequent flyer status is good way of starting down that road.
Many carriers are quite good at regularly upgrading their best customers to first or business class for free. (Of course, since planes are especially full these days, the perk is not as good as it used to be.)
Though it's not well publicized, American Airlines offers a free shortcut. Normally it takes 25,000 miles or 30 segments during a calendar year to qualify for Gold status. For Platinum, you need twice that. But they also offer the Gold or Platinum Challenge and it's barely mentioned on their Web site. (You have to physically pick up the phone to enroll.)
It works like this: If you know you will be making a bunch of trips in the next three months, sign up before you begin. Free enrollment starts on the 1st or 16th of the month and lasts 90 days.
During that time you need to earn 5,000 points or 16 segments for Gold status, and twice that for Platinum. (Super discounted tickets earn half a point per mile flown, regular coach tickets earn one point and full-fare coach, business and first class earn 1.5 points per mile.)
First of all avoid fares that are deeply discounted. (Typically the fare code starts with G, Q, N or S.) Another trick is to fiddle with the routing of a trip. Changing the routing does cost more time, but it rarely will cost any more money.
If you complete the challenge, then you can often parlay that into elite status at many of the other airlines. Just call up their frequent flyer desks and ask for a "status match" with American. (Often they'll require proof like an old statement.)
United also has a similar "fast track" program that grants instant elite status provided you pre-pay for your travel over the next year. Buying a $5,000 card gets you Premier status, a $10,000 card gets your Premier Executive status and $20,000 gets you 1K status.
It's not a bad deal but the cash does expire in one year so you need to be darn sure you're going to be flying that much.
Of course, there's a catch to all these programs: Your newfound cachet lasts just one year unless you start meeting the normal requirements.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. With a background in Agriculture Fred Harteis has lead many successful business ventures.
Fred Harteis News Articles - Any serious business traveler covets "elite" frequent flyer status. With it often comes faster check-in, special reservation hotlines, and, most importantly, free upgrades.
But here's a secret: You don't always have to fly a million miles to become an elite. In fact there are all kinds of cheats that can make a sneaky traveler into an important sneaky traveler.
Start by remembering this maxim: "I want to be pampered but I don't want to pay for it." Elite frequent flyer status is good way of starting down that road.
Many carriers are quite good at regularly upgrading their best customers to first or business class for free. (Of course, since planes are especially full these days, the perk is not as good as it used to be.)
Though it's not well publicized, American Airlines offers a free shortcut. Normally it takes 25,000 miles or 30 segments during a calendar year to qualify for Gold status. For Platinum, you need twice that. But they also offer the Gold or Platinum Challenge and it's barely mentioned on their Web site. (You have to physically pick up the phone to enroll.)
It works like this: If you know you will be making a bunch of trips in the next three months, sign up before you begin. Free enrollment starts on the 1st or 16th of the month and lasts 90 days.
During that time you need to earn 5,000 points or 16 segments for Gold status, and twice that for Platinum. (Super discounted tickets earn half a point per mile flown, regular coach tickets earn one point and full-fare coach, business and first class earn 1.5 points per mile.)
First of all avoid fares that are deeply discounted. (Typically the fare code starts with G, Q, N or S.) Another trick is to fiddle with the routing of a trip. Changing the routing does cost more time, but it rarely will cost any more money.
If you complete the challenge, then you can often parlay that into elite status at many of the other airlines. Just call up their frequent flyer desks and ask for a "status match" with American. (Often they'll require proof like an old statement.)
United also has a similar "fast track" program that grants instant elite status provided you pre-pay for your travel over the next year. Buying a $5,000 card gets you Premier status, a $10,000 card gets your Premier Executive status and $20,000 gets you 1K status.
It's not a bad deal but the cash does expire in one year so you need to be darn sure you're going to be flying that much.
Of course, there's a catch to all these programs: Your newfound cachet lasts just one year unless you start meeting the normal requirements.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. With a background in Agriculture Fred Harteis has lead many successful business ventures.
Monday, July 10, 2006
Fred Harteis News Article - Minimize airport headaches
Fred Harteis News Articles - More than 200 million people will take flights this summer, the busiest travel season in more than five years, according to the Air Transport Association. All the more reason to take every advantage available.
Here are a few ways you can minimize airport headaches.
Fly Early
Summer thunderstorms tend to develop in the afternoon. Add this season's record number of travelers, and you're looking at Delay City. Fly before 9 a.m. and your chances of waiting it out at the gate plummet.
Bonus: If your morning flight is scrapped, you'll still have afternoon options, while afternoon fliers may have to wait until the next day.
Check in online
A person who checks in at a terminal kiosk needs to be at the airport as much as two hours before departure. If you check in online and print your boarding pass at home, you can show up at the gate as little as 15 minutes before departure. You'll appreciate that when you are sitting in traffic on the way to the terminal.
Bonus: Airlines release preferred frequent-flier seats 24 hours before a flight. Check in at home and you can be one of the first to snag a better row.
Spot the delays
You can get information on security wait times from the TSA (waittime.tsa.dhs.gov) and on airport and airline delays from the FAA (fly.faa.gov).
But FlightStats.com, a new, free Web site, offers one-stop shopping for all that data. It tracks flights in real time, and provides more complete information than you'll find at other sites.
Bonus: Sign up for FlightStats' electronic travel alerts - text messages or e-mails - that warn you about delays and cancellations before you leave for the airport.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. With a background in Agriculture Fred Harteis has lead many successful business ventures.
Fred Harteis News Articles - More than 200 million people will take flights this summer, the busiest travel season in more than five years, according to the Air Transport Association. All the more reason to take every advantage available.
Here are a few ways you can minimize airport headaches.
Fly Early
Summer thunderstorms tend to develop in the afternoon. Add this season's record number of travelers, and you're looking at Delay City. Fly before 9 a.m. and your chances of waiting it out at the gate plummet.
Bonus: If your morning flight is scrapped, you'll still have afternoon options, while afternoon fliers may have to wait until the next day.
Check in online
A person who checks in at a terminal kiosk needs to be at the airport as much as two hours before departure. If you check in online and print your boarding pass at home, you can show up at the gate as little as 15 minutes before departure. You'll appreciate that when you are sitting in traffic on the way to the terminal.
Bonus: Airlines release preferred frequent-flier seats 24 hours before a flight. Check in at home and you can be one of the first to snag a better row.
Spot the delays
You can get information on security wait times from the TSA (waittime.tsa.dhs.gov) and on airport and airline delays from the FAA (fly.faa.gov).
But FlightStats.com, a new, free Web site, offers one-stop shopping for all that data. It tracks flights in real time, and provides more complete information than you'll find at other sites.
Bonus: Sign up for FlightStats' electronic travel alerts - text messages or e-mails - that warn you about delays and cancellations before you leave for the airport.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. With a background in Agriculture Fred Harteis has lead many successful business ventures.
Sunday, July 09, 2006
Fred Harteis News Articles : Five Ways to Deal With a Bad Boss
Fred Harteis News Articles - If you have ever quit a job because you didn't get along with your boss, you are not alone. A Gallup Poll of over a million employees found how long workers stay at a job and how productive they are is determined by their relationship with their immediate supervisor.
While bad bosses make for good comedy, they are no laughing matter for those who have to work with them.
If you have a problem with a bad boss, the good news is that most supervisors and managers really want to do a good job. In most cases, if a boss isn't doing a good job it's because they don't know how. Many supervisors were promoted to a leadership position because of their technical skills rather than an ability to manage people. Being promoted to supervisor may be the reward for someone who has done well on the manufacturing floor, in administrative support, or in the field.
If any of these traits describe your boss, here are 5 ways to deal with him or her:
1. Understand the problem. Recognize that, unless your boss is a bully, their behavior is probably due to ignorance. If you can see your supervisor as someone who is working with limited knowledge about how to manage, it may be easier to let their behavior roll off your back.
2. Try to support the boss. For as long as you choose to stay with your employer and work with your boss, do what you can to support them. You will be seen as a team player and may be able to advance in the organization with or without your boss. As a bonus, many employees who start supporting a boss rather than rebelling find the boss's behavior improves.
3. Stand up for yourself. Supporting your boss isn't the same as being a doormat. Don't tolerate being yelled at or otherwise treated badly. If your boss does something unacceptable, say so as directly and unemotionally as possible. Being assertive can often put a stop to unacceptable behavior. Some bosses have no idea how they have been treating someone until that person speaks up.
4. Document the problem. If your boss is a bully, keep a written record of incidents and when they occur. Where possible, have a witness. Many companies have a zero tolerance policy for harassment or bullying, so you may be able to get support from your human resources department or senior management by showing them evidence of the problem.
5. Look for a new job. If the situation does not improve, you may need to look for a workplace that does not tolerate bad bosses. Remember, you deserve to have a boss who treats you with respect.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred has a background in agriculture and has lead many successful business ventures.
Fred Harteis News Articles - If you have ever quit a job because you didn't get along with your boss, you are not alone. A Gallup Poll of over a million employees found how long workers stay at a job and how productive they are is determined by their relationship with their immediate supervisor.
While bad bosses make for good comedy, they are no laughing matter for those who have to work with them.
If you have a problem with a bad boss, the good news is that most supervisors and managers really want to do a good job. In most cases, if a boss isn't doing a good job it's because they don't know how. Many supervisors were promoted to a leadership position because of their technical skills rather than an ability to manage people. Being promoted to supervisor may be the reward for someone who has done well on the manufacturing floor, in administrative support, or in the field.
If any of these traits describe your boss, here are 5 ways to deal with him or her:
1. Understand the problem. Recognize that, unless your boss is a bully, their behavior is probably due to ignorance. If you can see your supervisor as someone who is working with limited knowledge about how to manage, it may be easier to let their behavior roll off your back.
2. Try to support the boss. For as long as you choose to stay with your employer and work with your boss, do what you can to support them. You will be seen as a team player and may be able to advance in the organization with or without your boss. As a bonus, many employees who start supporting a boss rather than rebelling find the boss's behavior improves.
3. Stand up for yourself. Supporting your boss isn't the same as being a doormat. Don't tolerate being yelled at or otherwise treated badly. If your boss does something unacceptable, say so as directly and unemotionally as possible. Being assertive can often put a stop to unacceptable behavior. Some bosses have no idea how they have been treating someone until that person speaks up.
4. Document the problem. If your boss is a bully, keep a written record of incidents and when they occur. Where possible, have a witness. Many companies have a zero tolerance policy for harassment or bullying, so you may be able to get support from your human resources department or senior management by showing them evidence of the problem.
5. Look for a new job. If the situation does not improve, you may need to look for a workplace that does not tolerate bad bosses. Remember, you deserve to have a boss who treats you with respect.
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred has a background in agriculture and has lead many successful business ventures.
Saturday, July 08, 2006
Fred Harteis News Articles - Oldest, Middle, Youngest: Who's More Successful?
Fred Harteis News Articles - All men may be created equal; but a look at their pay stubs will tell you that their incomes are not. Blame it on social class, education -- even luck, but according to Dalton Conley, professor of sociology and public policy, inequality begins at home.
In his book "The Pecking Order: Which Siblings Succeed and Why," Conley says that 75 percent of the income inequality between individuals occurs between siblings in the same families. He points to the diverse fortunes of Bill and Roger Clinton, and Jimmy and Billy Carter as examples.
Research shows that first borns (and onlys) lead the pack in terms of educational attainment, occupational prestige, income and net worth. Conversely middle children in large families tend to fare the worst.
"A child's position in the family impacts his personality, his behavior, his learning and ultimately his earning power," states Michael Grose, author of "Why First Born Rule the World and Last-borns Want to Change It." "Most people have an intuitive knowledge that birth order somehow has an impact on development, but they underestimate how far-reaching and just how significant that impact really is."
Conley concedes that birth order is significant in shaping individual success, but only for children of large families -- four or more siblings -- and in families where finances and parental time are constrained. (In wealthy families, like the Bushes and Kennedys, it has less effect.)
Here's a look at what impact your birth-order may have on you:
First Borns:
More conscientious, ambitious and aggressive than their younger siblings, first borns are over-represented at Harvard and Yale as well as disciplines requiring higher education such as medicine, engineering or law. Every astronaut to go into space has been either the oldest child in his or her family or the eldest boy. And throughout history -- even when large families were the norm -- more than half of all Nobel Prize winners and presidents have been first born. Famous eldest children include: Hillary Clinton, Bill Clinton, Richard Branson, J.K. Rowling and Winston Churchill. And macho movie stars are First Born, too, including Clint Eastwood, John Wayne, Sylvester Stallone, Bruce Willis and all the actors who have played James Bond.
Middles:
Middle children are more easy going and peer-oriented. Since they can get lost in the shuffle of their own families, they learn to build bridges to other sources of support and therefore tend to have excellent people skills. Middle children often take on the role of mediator and peacemaker. Famous middle children include: Bill Gates, J.F.K., Madonna and Princess Diana.
Youngest:
The youngest child tends to be the most creative and can be very charming -- even manipulative. Because they often identify with the underdog, they tend to champion egalitarian causes. (Youngest siblings were the earliest backers of the Protestant Reformation and the Enlightenment.) Successful in journalism, advertising, sales and the arts, famous youngest children include Cameron Diaz, Jim Carrey, Drew Carey, Rosie O'Donnell, Eddie Murphy and Billy Crystal.
Only Children:
Only children have similar characteristics to first borns and are frequently burdened with high parental expectations. Research shows they are more confident, articulate and likely to use their imagination than other children. They also expect a lot from others, hate criticism, can be inflexible and are likely to be perfectionists. Well-known only children include Rudy Guiliani, Franklin Delano Roosevelt, Alan Greenspan, Tiger Woods, tennis' teen queen Maria Sharapova and Leonardo Da Vinci.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - All men may be created equal; but a look at their pay stubs will tell you that their incomes are not. Blame it on social class, education -- even luck, but according to Dalton Conley, professor of sociology and public policy, inequality begins at home.
In his book "The Pecking Order: Which Siblings Succeed and Why," Conley says that 75 percent of the income inequality between individuals occurs between siblings in the same families. He points to the diverse fortunes of Bill and Roger Clinton, and Jimmy and Billy Carter as examples.
Research shows that first borns (and onlys) lead the pack in terms of educational attainment, occupational prestige, income and net worth. Conversely middle children in large families tend to fare the worst.
"A child's position in the family impacts his personality, his behavior, his learning and ultimately his earning power," states Michael Grose, author of "Why First Born Rule the World and Last-borns Want to Change It." "Most people have an intuitive knowledge that birth order somehow has an impact on development, but they underestimate how far-reaching and just how significant that impact really is."
Conley concedes that birth order is significant in shaping individual success, but only for children of large families -- four or more siblings -- and in families where finances and parental time are constrained. (In wealthy families, like the Bushes and Kennedys, it has less effect.)
Here's a look at what impact your birth-order may have on you:
First Borns:
More conscientious, ambitious and aggressive than their younger siblings, first borns are over-represented at Harvard and Yale as well as disciplines requiring higher education such as medicine, engineering or law. Every astronaut to go into space has been either the oldest child in his or her family or the eldest boy. And throughout history -- even when large families were the norm -- more than half of all Nobel Prize winners and presidents have been first born. Famous eldest children include: Hillary Clinton, Bill Clinton, Richard Branson, J.K. Rowling and Winston Churchill. And macho movie stars are First Born, too, including Clint Eastwood, John Wayne, Sylvester Stallone, Bruce Willis and all the actors who have played James Bond.
Middles:
Middle children are more easy going and peer-oriented. Since they can get lost in the shuffle of their own families, they learn to build bridges to other sources of support and therefore tend to have excellent people skills. Middle children often take on the role of mediator and peacemaker. Famous middle children include: Bill Gates, J.F.K., Madonna and Princess Diana.
Youngest:
The youngest child tends to be the most creative and can be very charming -- even manipulative. Because they often identify with the underdog, they tend to champion egalitarian causes. (Youngest siblings were the earliest backers of the Protestant Reformation and the Enlightenment.) Successful in journalism, advertising, sales and the arts, famous youngest children include Cameron Diaz, Jim Carrey, Drew Carey, Rosie O'Donnell, Eddie Murphy and Billy Crystal.
Only Children:
Only children have similar characteristics to first borns and are frequently burdened with high parental expectations. Research shows they are more confident, articulate and likely to use their imagination than other children. They also expect a lot from others, hate criticism, can be inflexible and are likely to be perfectionists. Well-known only children include Rudy Guiliani, Franklin Delano Roosevelt, Alan Greenspan, Tiger Woods, tennis' teen queen Maria Sharapova and Leonardo Da Vinci.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Friday, July 07, 2006
Fred Harteis News Articles - Oldest, Middle, Youngest: Who's More Successful?
Fred Harteis News Articles - All men may be created equal; but a look at their pay stubs will tell you that their incomes are not. Blame it on social class, education -- even luck, but according to Dalton Conley, professor of sociology and public policy, inequality begins at home.
In his book "The Pecking Order: Which Siblings Succeed and Why," Conley says that 75 percent of the income inequality between individuals occurs between siblings in the same families. He points to the diverse fortunes of Bill and Roger Clinton, and Jimmy and Billy Carter as examples.
Research shows that first borns (and onlys) lead the pack in terms of educational attainment, occupational prestige, income and net worth. Conversely middle children in large families tend to fare the worst.
"A child's position in the family impacts his personality, his behavior, his learning and ultimately his earning power," states Michael Grose, author of "Why First Born Rule the World and Last-borns Want to Change It." "Most people have an intuitive knowledge that birth order somehow has an impact on development, but they underestimate how far-reaching and just how significant that impact really is."
Conley concedes that birth order is significant in shaping individual success, but only for children of large families -- four or more siblings -- and in families where finances and parental time are constrained. (In wealthy families, like the Bushes and Kennedys, it has less effect.)
Here's a look at what impact your birth-order may have on you:
First Borns:
More conscientious, ambitious and aggressive than their younger siblings, first borns are over-represented at Harvard and Yale as well as disciplines requiring higher education such as medicine, engineering or law. Every astronaut to go into space has been either the oldest child in his or her family or the eldest boy. And throughout history -- even when large families were the norm -- more than half of all Nobel Prize winners and presidents have been first born. Famous eldest children include: Hillary Clinton, Bill Clinton, Richard Branson, J.K. Rowling and Winston Churchill. And macho movie stars are First Born, too, including Clint Eastwood, John Wayne, Sylvester Stallone, Bruce Willis and all the actors who have played James Bond.
Middles:
Middle children are more easy going and peer-oriented. Since they can get lost in the shuffle of their own families, they learn to build bridges to other sources of support and therefore tend to have excellent people skills. Middle children often take on the role of mediator and peacemaker. Famous middle children include: Bill Gates, J.F.K., Madonna and Princess Diana.
Youngest:
The youngest child tends to be the most creative and can be very charming -- even manipulative. Because they often identify with the underdog, they tend to champion egalitarian causes. (Youngest siblings were the earliest backers of the Protestant Reformation and the Enlightenment.) Successful in journalism, advertising, sales and the arts, famous youngest children include Cameron Diaz, Jim Carrey, Drew Carey, Rosie O'Donnell, Eddie Murphy and Billy Crystal.
Only Children:
Only children have similar characteristics to first borns and are frequently burdened with high parental expectations. Research shows they are more confident, articulate and likely to use their imagination than other children. They also expect a lot from others, hate criticism, can be inflexible and are likely to be perfectionists. Well-known only children include Rudy Guiliani, Franklin Delano Roosevelt, Alan Greenspan, Tiger Woods, tennis' teen queen Maria Sharapova and Leonardo Da Vinci.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - All men may be created equal; but a look at their pay stubs will tell you that their incomes are not. Blame it on social class, education -- even luck, but according to Dalton Conley, professor of sociology and public policy, inequality begins at home.
In his book "The Pecking Order: Which Siblings Succeed and Why," Conley says that 75 percent of the income inequality between individuals occurs between siblings in the same families. He points to the diverse fortunes of Bill and Roger Clinton, and Jimmy and Billy Carter as examples.
Research shows that first borns (and onlys) lead the pack in terms of educational attainment, occupational prestige, income and net worth. Conversely middle children in large families tend to fare the worst.
"A child's position in the family impacts his personality, his behavior, his learning and ultimately his earning power," states Michael Grose, author of "Why First Born Rule the World and Last-borns Want to Change It." "Most people have an intuitive knowledge that birth order somehow has an impact on development, but they underestimate how far-reaching and just how significant that impact really is."
Conley concedes that birth order is significant in shaping individual success, but only for children of large families -- four or more siblings -- and in families where finances and parental time are constrained. (In wealthy families, like the Bushes and Kennedys, it has less effect.)
Here's a look at what impact your birth-order may have on you:
First Borns:
More conscientious, ambitious and aggressive than their younger siblings, first borns are over-represented at Harvard and Yale as well as disciplines requiring higher education such as medicine, engineering or law. Every astronaut to go into space has been either the oldest child in his or her family or the eldest boy. And throughout history -- even when large families were the norm -- more than half of all Nobel Prize winners and presidents have been first born. Famous eldest children include: Hillary Clinton, Bill Clinton, Richard Branson, J.K. Rowling and Winston Churchill. And macho movie stars are First Born, too, including Clint Eastwood, John Wayne, Sylvester Stallone, Bruce Willis and all the actors who have played James Bond.
Middles:
Middle children are more easy going and peer-oriented. Since they can get lost in the shuffle of their own families, they learn to build bridges to other sources of support and therefore tend to have excellent people skills. Middle children often take on the role of mediator and peacemaker. Famous middle children include: Bill Gates, J.F.K., Madonna and Princess Diana.
Youngest:
The youngest child tends to be the most creative and can be very charming -- even manipulative. Because they often identify with the underdog, they tend to champion egalitarian causes. (Youngest siblings were the earliest backers of the Protestant Reformation and the Enlightenment.) Successful in journalism, advertising, sales and the arts, famous youngest children include Cameron Diaz, Jim Carrey, Drew Carey, Rosie O'Donnell, Eddie Murphy and Billy Crystal.
Only Children:
Only children have similar characteristics to first borns and are frequently burdened with high parental expectations. Research shows they are more confident, articulate and likely to use their imagination than other children. They also expect a lot from others, hate criticism, can be inflexible and are likely to be perfectionists. Well-known only children include Rudy Guiliani, Franklin Delano Roosevelt, Alan Greenspan, Tiger Woods, tennis' teen queen Maria Sharapova and Leonardo Da Vinci.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Thursday, July 06, 2006
Fred Harteis News Articles – Getting on the Right Financial Track
Fred Harteis News Articles – Here are some tips on how to conquer those oppressive debts and get on the right financial track.
Break Free of Debt
If you carry credit card balances, debt is your biggest financial oppressor. "You're in bondage of things you bought or did in the past that you're still paying for today," says Lynnette Khalfani, author of 'Zero Debt: The Ultimate Guide to Financial Freedom' "And it's costing you for tomorrow, because you don't have the opportunity to save or invest for your other financial goals."
The best strategy for paying off your debt is simple: Focus on paying off the card with the highest interest rate first, and never settle for making only the minimum payments. (You say you can't possibly squeeze any more dollars out of your budget? Consider this: A $5,000 balance on an 18% credit card would take nearly four years to pay off if you made a $150 monthly payment -- and would cost you $2,013 in interest. With $450 monthly payments, you'd wipe away your debt within 13 months and pay only $519 in interest.
Arm Yourself With Cash
A cash cushion -- enough to cover three- to six-months' worth of living expenses -- is your protection against falling into debt. "Without it, any time an emergency comes up you're forced to resort to plastic," Khalfani says.
Build a Fort
According to the Consumer Bankruptcy Project, the major reasons for bankruptcy filings are job loss and medical problems. The best way to protect yourself: Make sure you have adequate insurance. "Most people are woefully underinsured," Khalfani says. "The problem is, if you suffer any kind of setback, illness or disability and don't have enough insurance to cover that, you're thrown into financial crisis."
Devise a Budget Plan
Most people find it hard to stick to a budget. But this isn't the case with the money-management plan created by Elizabeth Warren, a professor of bankruptcy law at Harvard and her daughter Amelia Warren Tyagi, a financial consultant. Their formula, described in the book 'All Your Worth: The Ultimate Lifetime Money Plan,' is simple.
Your mortgage payments, insurance and food -- the so-called "must-haves" -- should comprise no more than 50% of your monthly spending. Then, allocate a solid 20% to savings for retirement, college costs and other long-term savings goals. Finally, leave a pleasing 30% for the fun stuff, be it golfing or clubbing, buying shoes or fine dining. Prof. Warren and Ms. Tyagi recently shared their advice on successful budgeting with SmartMoney.com.
Win Peace of Mind
It's a morbid subject no one likes to discuss, but the fact is that having a will is more important than you may think. "People have big misconceptions about why and who should create a will," Khalfani says. "A big one is that wills are only for people with big estates, elderly people, people who are married or have kids. All of those are myths."
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles – Here are some tips on how to conquer those oppressive debts and get on the right financial track.
Break Free of Debt
If you carry credit card balances, debt is your biggest financial oppressor. "You're in bondage of things you bought or did in the past that you're still paying for today," says Lynnette Khalfani, author of 'Zero Debt: The Ultimate Guide to Financial Freedom' "And it's costing you for tomorrow, because you don't have the opportunity to save or invest for your other financial goals."
The best strategy for paying off your debt is simple: Focus on paying off the card with the highest interest rate first, and never settle for making only the minimum payments. (You say you can't possibly squeeze any more dollars out of your budget? Consider this: A $5,000 balance on an 18% credit card would take nearly four years to pay off if you made a $150 monthly payment -- and would cost you $2,013 in interest. With $450 monthly payments, you'd wipe away your debt within 13 months and pay only $519 in interest.
Arm Yourself With Cash
A cash cushion -- enough to cover three- to six-months' worth of living expenses -- is your protection against falling into debt. "Without it, any time an emergency comes up you're forced to resort to plastic," Khalfani says.
Build a Fort
According to the Consumer Bankruptcy Project, the major reasons for bankruptcy filings are job loss and medical problems. The best way to protect yourself: Make sure you have adequate insurance. "Most people are woefully underinsured," Khalfani says. "The problem is, if you suffer any kind of setback, illness or disability and don't have enough insurance to cover that, you're thrown into financial crisis."
Devise a Budget Plan
Most people find it hard to stick to a budget. But this isn't the case with the money-management plan created by Elizabeth Warren, a professor of bankruptcy law at Harvard and her daughter Amelia Warren Tyagi, a financial consultant. Their formula, described in the book 'All Your Worth: The Ultimate Lifetime Money Plan,' is simple.
Your mortgage payments, insurance and food -- the so-called "must-haves" -- should comprise no more than 50% of your monthly spending. Then, allocate a solid 20% to savings for retirement, college costs and other long-term savings goals. Finally, leave a pleasing 30% for the fun stuff, be it golfing or clubbing, buying shoes or fine dining. Prof. Warren and Ms. Tyagi recently shared their advice on successful budgeting with SmartMoney.com.
Win Peace of Mind
It's a morbid subject no one likes to discuss, but the fact is that having a will is more important than you may think. "People have big misconceptions about why and who should create a will," Khalfani says. "A big one is that wills are only for people with big estates, elderly people, people who are married or have kids. All of those are myths."
Source: Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Wednesday, July 05, 2006
Fred Harteis News Articles - Simpler living through software
Fred Harteis News Articles - Keeping financial records up to date, compiling a list of charitable contributions at tax time, tracking investments, creating a budget - one tedious job after another.
You can make these tasks practically painless by moving them to your computer. You have to invest a bit of effort to set up personal-finance software such as Microsoft Money or Quicken, but the payoff makes it all worthwhile.
What it takes
Speed Fast and easy downloads have elevated these programs from mere data-entry chores to the truly valuable tools they are today. You can get by with a dial-up Internet connection, but broadband brings you updates from your bank, broker and fund company a lot more quickly. If you have dial-up, set up the software to download files at night.
Support Make sure that your financial institutions give you electronic access to your accounts (for free). Mac users may find that some don't.
Time Don't bother buying software if you're not willing to put in an hour or two to set up your system.
Pick a program
PC vs. Mac If you use a Mac, Quicken is your program; there's no Mac version of Microsoft Money. For a PC, either program will do.
Features Microsoft Money and Quicken both come in $30, $60 and $80 versions (that's before rebates, which are common). You don't need the most expensive ones unless you want real-time stock quotes or tax planning tools. Check out each version's features at quicken.com and microsoft.com/money.
Access If you travel often, Microsoft Money has a slight edge: You can view 90 days' worth of records via the Web. Quicken's remote features are more limited.
Set yourself up
Links You'll have to set up an ID and a password at all your financial institutions and enter them into the software. From then on, the program will log in for you - no need to visit different Web sites every time you want to check your bank or 401(k) balance.
Baby steps You can begin by monitoring one or two accounts and gradually add more. Then try portfolio tracking, budgeting and other features. You can pay bills through your finance software (instead of at your bank's site), but you'll pay extra for that service.
Help If you run into trouble, invest $22 in Quicken 2006 for Dummies or Microsoft Money 2006 for Dummies.
Stay safe
Passwords Don't let the threat of cybercrime scare you. Most ID theft involves paper records. Still, take a few sensible steps, including picking passwords wisely. The best are at least eight characters long and have a combination of uppercase and lowercase letters, numbers and symbols.
Security software A $50 program will protect your computer against intruders, spyware and viruses. Some Internet service providers include it for free.
Backup If all your financial data reside on your computer, make a backup copy on a CD or an external hard drive.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Keeping financial records up to date, compiling a list of charitable contributions at tax time, tracking investments, creating a budget - one tedious job after another.
You can make these tasks practically painless by moving them to your computer. You have to invest a bit of effort to set up personal-finance software such as Microsoft Money or Quicken, but the payoff makes it all worthwhile.
What it takes
Speed Fast and easy downloads have elevated these programs from mere data-entry chores to the truly valuable tools they are today. You can get by with a dial-up Internet connection, but broadband brings you updates from your bank, broker and fund company a lot more quickly. If you have dial-up, set up the software to download files at night.
Support Make sure that your financial institutions give you electronic access to your accounts (for free). Mac users may find that some don't.
Time Don't bother buying software if you're not willing to put in an hour or two to set up your system.
Pick a program
PC vs. Mac If you use a Mac, Quicken is your program; there's no Mac version of Microsoft Money. For a PC, either program will do.
Features Microsoft Money and Quicken both come in $30, $60 and $80 versions (that's before rebates, which are common). You don't need the most expensive ones unless you want real-time stock quotes or tax planning tools. Check out each version's features at quicken.com and microsoft.com/money.
Access If you travel often, Microsoft Money has a slight edge: You can view 90 days' worth of records via the Web. Quicken's remote features are more limited.
Set yourself up
Links You'll have to set up an ID and a password at all your financial institutions and enter them into the software. From then on, the program will log in for you - no need to visit different Web sites every time you want to check your bank or 401(k) balance.
Baby steps You can begin by monitoring one or two accounts and gradually add more. Then try portfolio tracking, budgeting and other features. You can pay bills through your finance software (instead of at your bank's site), but you'll pay extra for that service.
Help If you run into trouble, invest $22 in Quicken 2006 for Dummies or Microsoft Money 2006 for Dummies.
Stay safe
Passwords Don't let the threat of cybercrime scare you. Most ID theft involves paper records. Still, take a few sensible steps, including picking passwords wisely. The best are at least eight characters long and have a combination of uppercase and lowercase letters, numbers and symbols.
Security software A $50 program will protect your computer against intruders, spyware and viruses. Some Internet service providers include it for free.
Backup If all your financial data reside on your computer, make a backup copy on a CD or an external hard drive.
Source: Cnn.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Tuesday, July 04, 2006
Fred Harteis News Articles - The Top 10 Part-Time Jobs
Fred Harteis News Articles - Part-time work offers employees the flexibility to stay at home with their children, care for relatives, go to school, or have more time to themselves. Some workers take a part-time job in addition to their full-time position, working nights or weekends to make a little more money on the side. Salary.com took a look at some popular part-time jobs that may in fact be a good fit for your lifestyle. Some of these jobs pay decent salaries, and only require a few extra hours per week.
Massage Therapist
Hourly Rate:$23.92
Massage therapist is currently one of the hottest emerging job titles of 2006 according to the list of most-searched jobs on Salary.com. Massage therapists perform massage therapy techniques to control pain, reduce stress, and promote relaxation. This job may require a high school diploma or the equivalent and requires certification as a massage therapist.
Personal Trainer / Exercise Specialist
Hourly Rate: $18.00
Are you a gym rat? Why not get paid for a few of those hours you spend in the gym, and also get to pump some iron on the side? Personal trainers identify risk factors and design specialized strength and conditioning programs for their clients. They also teach clients proper exercise techniques. This job may require a bachelor's degree, certification as an exercise specialist, and 2-4 years of experience in the field or in a related area.
Customer Service Representative (Retail)
Hourly Rate: $13.67
A great night, weekend, or vacation job, retail customer service representatives process orders, prepare correspondence, and fulfill customer needs in order to ensure customer satisfaction. The retail clerk also assists with purchases and returns. The job requires a high school diploma and employees with 0-3 years of experience in the field can expect to earn around $13.67 per hour.
Security Guard
Hourly Rate: $15.02
A good night or weekend part-time job, a security guard patrols buildings and grounds of industrial plants, commercial establishments, docks, logging camp areas, or work sites. The job requires a high school diploma or its equivalent and 0-2 years of experience in the field or in a related area. Security guards can expect to earn about $15 per hour.
Telemarketer
Hourly Rate: $14.39
If you don't mind being on the phone, taking a part-time job as a telemarketer may be the right gig for you. Telemarketers promote an organization's products and services by telephoning potential customers. The job requires a high school diploma or equivalent.
Source; Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Fred Harteis News Articles - Part-time work offers employees the flexibility to stay at home with their children, care for relatives, go to school, or have more time to themselves. Some workers take a part-time job in addition to their full-time position, working nights or weekends to make a little more money on the side. Salary.com took a look at some popular part-time jobs that may in fact be a good fit for your lifestyle. Some of these jobs pay decent salaries, and only require a few extra hours per week.
Massage Therapist
Hourly Rate:$23.92
Massage therapist is currently one of the hottest emerging job titles of 2006 according to the list of most-searched jobs on Salary.com. Massage therapists perform massage therapy techniques to control pain, reduce stress, and promote relaxation. This job may require a high school diploma or the equivalent and requires certification as a massage therapist.
Personal Trainer / Exercise Specialist
Hourly Rate: $18.00
Are you a gym rat? Why not get paid for a few of those hours you spend in the gym, and also get to pump some iron on the side? Personal trainers identify risk factors and design specialized strength and conditioning programs for their clients. They also teach clients proper exercise techniques. This job may require a bachelor's degree, certification as an exercise specialist, and 2-4 years of experience in the field or in a related area.
Customer Service Representative (Retail)
Hourly Rate: $13.67
A great night, weekend, or vacation job, retail customer service representatives process orders, prepare correspondence, and fulfill customer needs in order to ensure customer satisfaction. The retail clerk also assists with purchases and returns. The job requires a high school diploma and employees with 0-3 years of experience in the field can expect to earn around $13.67 per hour.
Security Guard
Hourly Rate: $15.02
A good night or weekend part-time job, a security guard patrols buildings and grounds of industrial plants, commercial establishments, docks, logging camp areas, or work sites. The job requires a high school diploma or its equivalent and 0-2 years of experience in the field or in a related area. Security guards can expect to earn about $15 per hour.
Telemarketer
Hourly Rate: $14.39
If you don't mind being on the phone, taking a part-time job as a telemarketer may be the right gig for you. Telemarketers promote an organization's products and services by telephoning potential customers. The job requires a high school diploma or equivalent.
Source; Aol.com
About Fred Harteis: Fred Harteis leads Harteis International. Fred Harteis has a background in agriculture and has created many successful business ventures.
Monday, July 03, 2006
Harteis – Quick Business Quote
Fred Harteis – It is important to get your goals down on paper to make them a priority.
People with clear, written goals, accomplish far more in a shorter period of time than people without them could ever imagine.
Brian Tracy
Brain Tracy - Motivational Coach and Author
Famous for : Being a best selling self help author of more than 40 books, many audio programs, coaching and training programs, and for his public speaking engagements worldwide.
Tracy details : Born - Canada Lives - San Diego, USA
Fred Harteis and Linda Harteis are members of the IBOAI
Trade Association Facts:
IBOAI, the official trade association of Business Owners (Ibo’s), serves and protects the business interests of independent business owners. Association leadership includes Greg Duncan, Don Wilson, Billy Florence, Jody Victor.
About Diamond leadership: Billy Florence leads Team DCI International and founded Billy Florence’ Equad News . Fred Harteis owns Harteis International. Randy Haugen and Don Wilson lead Legacy Business Group. Jody Victor is founder of Markerman Productions.
Ron Puryear WWDB and Greg Duncan lead WWDB World Wide Dream Builders.
Jerry Harteis leads Harteis Associates.
© provided to Fred Harteis web blog by Esource Business News
Fred Harteis – It is important to get your goals down on paper to make them a priority.
People with clear, written goals, accomplish far more in a shorter period of time than people without them could ever imagine.
Brian Tracy
Brain Tracy - Motivational Coach and Author
Famous for : Being a best selling self help author of more than 40 books, many audio programs, coaching and training programs, and for his public speaking engagements worldwide.
Tracy details : Born - Canada Lives - San Diego, USA
Fred Harteis and Linda Harteis are members of the IBOAI
Trade Association Facts:
IBOAI, the official trade association of Business Owners (Ibo’s), serves and protects the business interests of independent business owners. Association leadership includes Greg Duncan, Don Wilson, Billy Florence, Jody Victor.
About Diamond leadership: Billy Florence leads Team DCI International and founded Billy Florence’ Equad News . Fred Harteis owns Harteis International. Randy Haugen and Don Wilson lead Legacy Business Group. Jody Victor is founder of Markerman Productions.
Ron Puryear WWDB and Greg Duncan lead WWDB World Wide Dream Builders.
Jerry Harteis leads Harteis Associates.
© provided to Fred Harteis web blog by Esource Business News
Fred Harteis. Fred Harteis, president of Harteis International a independent business owner provides commentary and business news. Harteis Case Study focuses on business success in Harteis global holdings and general good business role models.
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