ΠΑΝΑΓΙΩΤΗΣ ΛΙΑΠΗΣ

Develop a personal undertaking,

book on funding.

ΜΟΝΕΥ ΜΑΚΕR

ΑΘΗΝΑ 2010
 ΜΥΘΙΣΤΟΡΗΜΑ ΑΠΥΘΜΕΝΗΣ ΠΡΑΓΜΑΤΙΚΟΤΗΤΑΣ

With lots of love dedicated

my parents to EL_lines
to Natalia, Olga, Onder and to my colleagues

By Price
LIAPIS Panagiotis

Author LIAPIS Panagiotis

Title CLASSIFICATION MINERAL SECURITIES Electromagnetic STORMS, ELF, Elves &
MARBLE OF GREECE, SECRET PLACE OF POWER
Addr K. Varnali 12 15121 Pine Athens
Tel 210-6149149
Mob. 6937097443
E-mail real_estate_liapis@yahoo.gr
SUPPLY 210.8065618 6937097443
A few words from the author

Friends in this textbook, and knowledge, which keep the dusty Greek manuscripts of Plato,
Aristotle and other ancient fotodoton through masterfully blended events of economy, religion,
Greek history and mythology, the confirmations of Medicine and the multidimensional social
structures you presenting with episodic manner cycles of 50 years revolutionizing the
mainstream polity, destroying and recreating periodically society when the exploitation of land
and resources from one human to reach its boiling point that affects the nature itself. We also
indicate economic behavior with which it is possible to spend almost painlessly through this
economic tidal wave, get ready my friends for the collapse of the dollar and mi dip without any
safety net, stories bottomless reality a series of error events on the constellations, and
possible manipulation of cosmogony, incidents involving the Nazis and the possible bases in
space, President Obama, and the new doctrine Panthriskeias launched in conjunction with
the worship of infernal beings are a new mirror through which can be seen The mainstream of
the current boom in the MIND CONTROL, the chip EMV of Bill Gates on banking credit cards,
the emerging banking system in relation to economic crashes of America, SIONISMOS and
the New World Order of the 4th Reich, and PEOPLE CLONES - Men in Black, and the CIA in
connection with the anti-government slogans and reactive walls define a new reality, which
leads to control police forces in the use of hidden centuries Sound Guns of the ancient
Greeks, developed by the Greek National Nuclear epistimoina C. Gkiolva. The creations of
the Plan "Arrow" (sound rule) and the sound "Artemis", as are internet sources are presented
in detail below in relation to biological warfare aircraft from the US-spray from chemical and
microbial air over cities. By Bantouva model [the Cretan intrepidity under the instructions of
Mahatma Gandhi, is trying to minimize the harmful effects of these anti-constitutional activities
are using Genetics Industry, widespread fires, building new towns in the concentration camps
of the Reich D, applied geo-strategic plan application of a new war in the Balkans because of
Kosovo, where the project "Blue Ray" at the upcoming mayhem at the end of 01/2010 will
chrisimopoiithoun new weapons bass Police with physical effects of radiation on the human
organism KARKINOUS The whole controversy will graduate and domination of Russia and
Greece in the Balkans and the economic and cultural status while reducing the roles and FRA
Germany, and China rising

By price
LIAPIC PANAGIOTIC
Introduction
Why do I need to read this book you can do this. May seem strange to start a book on
personal finance for women with this kind of statement, but let's face it: when it comes to
learning the ins and outs of funds index, RESPs, taxes, pre-nups, and mortgages would not
be able to use all pep talk before digging?
Here in Chatelaine thought so. So I wrote Earn, Spend, Save, a money management book
specifically for Canadian women offers smart, savvy financial advice and address the unique
financial conundrums that we face. Here's the thing: women live longer than men and need
more retirement savings are in the paid workforce for fewer years, and are statistically less
likely to seek an increase in dollars or as big as our male counterparts. Not only that, we are
the primary caregivers of our children have taken the lion's share of the elderly, and even run
the household, even when we are in the 9 to 5 (or 6 or 7) bringing bacon home. It's partly this
crucial time that keeps us from delving spending plans or the review of reserves, but there is
something else at work here. Many tell us that just confident and skilled when it comes to
managing our money, despite the fact that many studies over the past two decades indicate
that women make excellent or investments. According to a financial consultant in Ottawa,
"Women are better investments and long than men. Women are looking for a plan and stick to
it, while men are often looking for the latest opportunities.
So, assuming we have what it takes to come out on top, because so many of us say we
prefer to sort our trash drawer read a prospectus or determine how capital gains taxes
actually affect us? This must change.
Maybe you've already invested a professional, but credit cards are constantly on red from too
many hours for lunch and shopping at the mall. Or maybe it embody control blurred when it
comes to outlets in displays, but I think "blue chip" describes a snack with a killer salsa. You
may want to invest in RRSPs, but continue to pay down student loan, looking for ways to save
the education of your children, or working up the courage to ask your boss for a raise.
European Higher Education Area probably more financial knowledge than you realize. But
let's be honest, almost everyone could use more education when it comes to getting up speed
on the latest smart money here is why you should read this book. The good news is that
you're ready to earn a degree in economic self-improvement. Just by picking Earn, Spend,
Save, you are setting the wheels in motion to achieve your financial goals and live the life you
want.
Need proof? Try to answer the following questions:
• What is the difference between a self-directed RESP and a unified plan?
• Why is it important to check if your bank uses average daily balance method to calculate the
minimum balance and interest?
• How much real need in your savings in order to retire comfortably in Canada? (And why this
number differs from your partner?)
• What is the best way to start a financial plan?
• When it comes time to apply for a loan, it is 750
credit score magic number?
• Do men care if you make more money than they do?
(The answer may surprise you!)
• What percentage of gross income you should be on housing costs?
• How can you make a deposit in no time flat with a draft of the federal Home Buyers »;
• What you can claim under the Children's Fitness Tax Credit?

This book will bnefsi how to find ways to decimate the debt echt sysorefsei (and yes, some
may disappear
today). We will also help you to buy your dream house, which will not be house poor, and,
above all, I feel great about where your money is received. Are you ready to change your
relationship with cash;
This book is divided into chapters that will help you understand how to
win, it will pass, and save it. And of course all advice is hollow if it does not lead to action, so
we developed a six-month plan to reach your goals for economic prosperity and
independence as painlessly as possible. Yes, you can do this. Now is the time to learn how.

Chapter 1

Put your money to work

Mary loves her job as public relations assistant in Vancouver.

True style. Among sitting cushy corner office is shares with his boss, whipping up a creative
press releases
and socks knocked customer meetings, Maria often finds herself taking a deep breath and
thought, 'This is what I meant to do. "It's just too bad and boring work is equal to rent a tiny
apartment and usually throw everyday purchases like food and laundry soap on her credit
card. And loans for university never seems to decrease the debt despite all the payments
straight to kanei.I Maria does not want to complain. What work is devoid of earnings, day after
day Mary goes to a more senior position, but things while eprpe starting to change, was not
changed for the better. In an instant brake of directors in its infinite wisdom, decided that Mary
Nan Approximation of them (aka Workplace Wonder Woman) and ask if we can take office for
two people. Soon the workload of the Mary keeps apascholimni until 11pm. It is usually hard
work 17 hours a day. Finds herself tired even
a cigarette does not want to give your excuse for smoking break. But it is by Maria and her
husband Nick begin to think about the children dawns on her: working for a company where
"FlexTime" could well be the new F-word. And the pay? Accumulate all the unpaid overtime
and that they are making peanuts, it is just raking in the shell. So what to do, Maria?
A. Find a new job that meets the realities of economic and personal needs.
B. The work of a six-month financial plan that will allow to quit her job and continuation of the
course as self-employed PR consultant.
C. Enter the boss's office with a list of proposals and negotiate a bump in salary and a work
schedule Saner.
In fact, here is what happened: chose option B, and now
has a home, two children, and 10 years later, which are almost
three times the money he made in an old job. The student loan fiasco is just a memory. 'The
day I walked into the office and explained to my boss would be leaving to go solo I said,' I
would be back, 'he says now.
"He just could not believe that to pull out a solid career in leap into the unknown. Maybe I
was being foolishly optimistic, but will create a nest egg, had a plan, and just knew I would
succeed. And I did! "
Maria left that long-ago conversation feeling excited, knowing that it was finally taking her
career, reasoning,
strings and her purse in her hands. Work your money 7
ou do not need to take the big leap from traditional labor Maria wanted to work content. (While
we fully respect our
and encouragement if you did.) Maybe you're a kindergarten teacher in a similar situation,
find a way to negotiate a share or work part-time job. Or maybe you are, a carpenter in
Halifax or Toronto curator who prefer to find new and better jobs elsewhere. Whatever we do
on our 20, 40 or 60 + hours work each week, as all of us women an indelible truth: we want to
take control of our personal finances and live rich, happy, deeply satisfying life. Earning a
living is the first step.
Want to learn how to do it?
In this chapter we will see what kind of professional life you live and what you're really worth
to your employer. (Hint: it is more than you can imagine.) Then we will explore the options
open to you right now to make positive changes in your professional life, whether it be to find
ways to present your work fascinating that meet-and yes, more lucrative, or switch to a new
job, career, or even a new industry. Whatever you do for a living or want to do after a break
from work, we're going to remind you to ask yourself two important questions to ensure you're
on the right way to balance the wealth gain ( in good times and bad) and your life. What do
you say money is the cause goia the position you are today?
So you want to change your life. Want to negotiate for more money and benefits;
Before you find a way to help you achieve those goals
Take a look at the picture
Achieving a healthy balance between work and private
Life has never been so difficult. We work longer hours, we feel that we are able to "close off"
a job even after the day is done, and that little word "overload?" Well, not even describe how
they feel normal. In fact, between 46 and 61 percent of working parents say they have a hard
time juggling work and family obligations as between the computer, BlackBerry, and slippery
tilt shift working hours, work commitments encroach
for the rest of the day. In its report on family life and the Work Life:
A difficult balance has been found. His private life has certainly
regression supported the interests of labor, but without the corresponding offset benefits. For
example:

The average working time Canadians spend with family members in a day's work has been
reduced from 45 minutes in 1986. Add it up and that is about 190 hours annually.
• The time that Canadians spend at work increased by 54 hours per year between 1992 and
2005.
• The average hourly earnings of workers in 2008 had increased since 1984, although the
families bringing in more money overall from the additional family members working in most
jobs.
Women experience even tighter time each day. Although statistics show that Canada is more
men willing to throw in a load of laundry, take the trash, caring for children, and wipe down the
fridge, women still go to work for your money 9
taking the lion's share of housework and childcare, even if you spend more hours at work
than in the past. And there are more of us are now playing in this drama. Canadian women
have one of the highest labor
rates of labor force participation in the world, a figure caught with that of men. Yes, we have
come a long way baby, but
Also, it seems that our collective GPS steered us down a very
bumpy road. Okay, now we have the numbers to show what we feel in our gut all along, that
we are painfully stretched over a divide between work and life commitments, what does this
mean to our bottom line? Too much, as shown. Let's go back to a story about Mary now.
Anyone can see that he was seriously overworked and underpaid. However, it took years to
escape the rut of work and find the courage to defend itself and release itself from a bad job.
Why take such an inordinately long period of time to find a solution?

We have two doctrines. For starters, Maria frankly saw the job as a stepping stone to
something bigger and better, but as time and outgrew that location, it never stopped to
reassess whether thoughts on the work reflected another reality. And there is another, more
obvious reason to stay stuck Marie was just as stressed, very tired and very overstrained by
the end of the day. To take a step back and look at life.
He knew there was something wrong, but do not have the energy to figure out what. We do
not want to say totally blame Maria. Just experiencing the apotlsma its own inertia. As the
numbers show, more and more of us feel to lose their way of life beneath the feet of their daily
life to take the reins. To live with more and more Red Bull in the fridge and mastouronoun
ever prissotero liters of coca cola. Yes, you read, contain addictive substances. Drugs. And if
you take stock of life, it is amazing what new avenues for very long way away from the
original plan will see with regret that span. Let's say that Mary had taken a week out of work
years ago and used the time to do a little internal digging to see if it was actually underpaid.
Surprise would be if the boss had walked in her office and negotiated change had achieved
even a small increase, which could be an important first step in Maria's store a large amount
of unnecessary costs. Here's why:
Let's say Mary is a student loan of $ 30,000. He decides to have received seven years to
repay. Each month, the bank automatically deducts $ 452.87 from his account to draw the
loan. But then Maria scores a modest increase amounts to just $ 58.70 a month. Again
tempted to have fun with this little unexpected gift, but rather whether I used to erase the debt
of what the outcome
The student's loan will be repaid a full year faster, and the overall borrowing cost is $
1,208.04 less.
Dream about it, and you think that your boss will give you a tiny afthisi without fighting or
leaning on your shoulder after an important meeting and you say, "The way that convinced a
customer to sign the agreement for another five years ? That was stellar. What'd ya say we
give you an increase? "No. It is our negotiated wage that reflects our wonderful work ethic,
superhuman our ability to multitask, and our personal commitment to work, rushing to side of
the patient as a nurse or showing unlimited patience as an elementary school teacher.
And vriskste meadowgrass riveted on the same economic situation because so many of us
expect to crouch ndiafron by someone above us
For years companies dn do indeed increase the new fruit is that it decreases when they offer
services to measly sum if you are someone in the tenderer elefthri market will laugh with him.
Then why the rgodoti receive from your
Is the phenomenon of women who underearners-making less money than they want, rather
than having smarts to earn more-demanding I work 11 less for your money at work is partly
linked to feelings of self-worth. Plan for a richer life, often can not pay the bills, have few
assets, do a lot of paid work, and rarely outside of the future. (Sound know Maria?) In short, it
is a underearner is essentially a matter of failing to value ourselves.

"We give our skills, knowledge, experience and wisdom for free or at bargain prices because
there is a little voice in our minds that says," Who do you think you are? Not deserve more
than this; "

Regardless of whether they fit the classic description of a underearner,

or just chicken out every time you think about trading
an increase, the problem with hearing that little voice in our
heads is that they are wrong. Dead wrong. you are really worth
Rachel takes a sip of water and realize that they need to stretch
feet. High-level executive for a cosmetics company,
and weekly marketing meeting is delayed for more than
usual. The problem: The group, composed mainly of men
forty and fifty, trying to decide what new ad
campaign to go with. Not that they're stymied by the choice. Far from it. Instead, the group
has been caught in the minutiae
on one of the options. Rachel quietly drums her fingers on the desk and speaks up. "These
are all interesting points, but we must go to the next alternative. I'll be honest. I do not think
this ad campaign is going to fly. I average 46-year-old woman will identify with this person "he
says, noting the photo shows a young slip of a model farm cream." O customer wants to see
herself in that picture, only better. "Moves for the team. As someone who holds very strong
positions in business, Rachel knows that it adds an extra element of wisdom in many such
discussions. And the organizations have worked to know that too, especially those of their
way to ensure more women climb the ranks to positions of influence. Why? It's all about
diversity, not only in terms of tipping a hat to sex, race, color, or religion, but as something
really helps the bottom line of company: diversity of thought. Employers are embracing the
idea that people with different backgrounds, especially at managerial level, can better solve
magnitude of the problems they discover that it pays.
"Do not make a mistake, I can talk the talk," says Rachel's
women's work ", but speaking another language too." Although it is no secret that women are
still underrepresented in the business world, you may be surprised that the industry is
starting to wake up to the fact that the plethora of studies, surveys,
and all reports seem to highlight a daunting conclusion:
Women are good for business.
Good talking dollars and cents sense, because they serve an average cup of coffee or look
good in a skirt.
In 2009, 500 companies with more women on boards of directors saw better economic
performance than those with fewer women on their boards. It also noted the 2007 survey
shows that companies with three or more women in senior management has made higher
than the companies with women at the highest level in measuring workplace excellence.
"Investing in women leads to economic growth not only
about the morality or justice.
exposure during the dark days of work for your money 13, 2009 recession. "There is a
possibility during this time of adversity, it is time to recognize that and build women leadership
in the fabric of our organizations. Diversity is not a 'nice to have." It is imperative that
business. The group made a difference, but also concluded that when women are in senior
positions, have also been a positive influence on communication within the company. Now
consider the coming labor shortage that will arise as a «baby boomers retire en masse are
not enough younger employees to replace them. You can blame employers looking to you as
a way to fill positions with skilled and earnings momentum simultaneously? What you want?
So studies show that you not only a lot on your plate, but
that, because you have a different take on the world, we
add real monetary value to the bottom line of the company. Knowing all this can be much
easier to negotiate better pay working hours, or whatever it takes to be successful.
But what exactly the look of success, and what
steps must follow to get there?

It's time to put this book down for 30 minutes, grab a pen century some papers, and settle in a
cup of green tea to keep
your brain cells firing in each cylinder last. (In other words,
save the champagne the day to accomplish your goal.)
The next step for the rest of your life is going to take some
Thought so prepare yourself to concentrate, comfortable, and
willing to dig deep. Ready?

Now, take two pieces of paper and write the following two proposals, one on each page: What
is my life like now?
If I had a magic wand, what would my life perfect look like?
Write something that comes to you. Anything.
Just remember to include life-your work, personal life and financial situation. The current state
of things you like Maria gave before occupation of the overall review? Feel
highlighted to the maximum, torn in two or three positions and with a little savings to show for
it?
Or maybe you left your work years to care for your children and now you are back I thought
the world of grown-up conversation around a boardroom table. (And the money would be very
nice.) Now flip to the next page. Where do you see yourself in a professional, personal and
financial sector you?
Want to work for a progressive company where some jobs share of workers (by choice),
make their own hours and take a Friday afternoon in the summer?
Maybe you are looking for a promotion, or know it's time to leave your current workplace to
create your own business. Look what is written on two pages. How different is your current
reality of living your dream?
Did you just have to tuck a SPD or the existing work? Then read on to grab some fascinating
indicators in order to negotiate your way to better pay and benefits. You'll also get the
lowdown on the economic life balance benefits including flexible working hours and even
sabbaticals.
If you plan to make more drastic changes, there is insight for you. We give you the tools
directly from the advantages that will help you find and land the job I never even knew you
wanted. (And later in the book will teach you what to do if your job suddenly disappears.)
As we have not discussed, only those goals are possible,
should be for the good of us all. Yes, statistics show that
a smart, savvy female, you are in demand. Employers must
you. Deserves high goals and fulfill your ambitions are not
someone throwing obstacles in your path. But the data and proves one point: that something
has to give. do a good job of a money machine
All it takes is a phone call from her mother to return Jane
career around. Helena, assistant manager for a large farmers market in Ontario, spends 20
minutes on the phone list all the reasons he wants to quit her job, the petty politics, long hours
and low salary, when her mother finally cut through the the sentence.
"But I like the project itself, right?" She asks. That's when Elena hits. This is not just like work,
it loves what is good in it, and when push comes to shove, they can not imagine working
anywhere else.
'That's when I knew I had to do my job been job I've always wanted, "says Elena. Determined
to build a bridge, not gangplank, Helena approaches boss calls a meeting with colleagues,
and talk openly and honestly about how policy in the workplace are making it difficult to get
the job done. Although an employee leaves the meeting to Huff, the other actually agree. As a
group, workers decide to make a new beginning and working together. They may even begin
to plan a picnic harvest season for the family come August. In political conflicts taken care of,
yet knows Helena is still a conversation going: it needs to negotiate better hours and pay to
the Director of . And after a little research it is ready. By Elena determine what was holding
back at work - and to tackle the problem, embodied what career consultants see it as an
epidemic among professional women: A tendency to work hard and wait reward that might
never come. It is not the only one. studies concur that the difference in compensation
between men and women can be boiled in three little words: women do not ask. But it should.
It is urgent to negotiate for what need or risk facing extreme consequences. A U.S. study has
shown that by simply accepting what is offered rather than negotiating for more, the average
woman sacrifices more than half a million dollars during her career. That's incredibly
expensive to pay penalty in exchange for avoiding
15 minutes for concern. So let's talk about talking about money. And asked
an increase in work requires prep, skill, an alternative plan, and a good dose schedule also
requires that you remember two basic
facts that many of us remember when broaching the subject. A pay rise is dependent upon
whether you are good at your job and
if you're in demand. Everything else is secondary. Knowing these two criteria, Elena:

1. He builds his case with a list of all achievements

starting the job two years ago. Is not
fustian. This leaves the word numbers.
2. Confirms that few people in the region are capable of
set, which combines organic gardening, business,
and marketing. It's a perfect fit for the job.
Timing is key, of course. And because Helena does not get a
annual review of salary is going to have to choose a time
director is not thinking about 20 other functions or class
planned for the weekend. So scratch that Monday morning
Friday afternoon from the calendar. But Thursday morning?
Perfect. It shoots out an email asking to respond below.
This conversation goes well because Helena is able to prove this is a good employee with
competitive qualifications. Not only that, but
organic movement is hot, so the market is raking in new vendors
willing to pay extra to set up stalls. Timing of Helena could not be better. The result? A sweet
increase of 15 percent. Work Out!
Money is not the only thing you may want to negotiate.
drag out your paper behemoth advantages (you know, the tome you quickly scan when he
took the job and that the collection is now dust in your bottom drawer?) and learn what you
really receive. than
privilege should at least find you forgot you had and want to use now (yes! Three hundred
dollars worth of massage therapy per year) or, equally likely, there is something you want to
change.

Find
• Dental Insurance
• Vision Insurance
• Life insurance and accidental death insurance
• Downtime
• Sick and personal days
• FlexTime, sharing and remote working
Options
• rrSps
• distributions
• pension plans
• Employee assistance programs
• Tuition reimbursement
• Health club reimbursement
• Parking and commuting costs
• Providing a
• BlackBerry or wireless performance

Earn, Spend, Save 18

No time like FlexTime
Money is nice, so it is best benefits. But what happens
If your company is unable to pony up, or if you realize
that a few more dollars you pay advice to a new tax
arm and all the extra revenue should be towed away from the
Inland Revenue? Maybe it's time to think about the value of alternative options such as
flexible hours, telecommuting, the distribution of jobs
or a compressed WorkWeek, particularly if these benefits will make your life easier. FlexTime
is by far the most popular perk at work. Put simply, FlexTime is also flexible schedules. It
could mean the beginning of the next day at 7 am and heading early to get kids
school every afternoon. Or maybe it's a compressed WorkWeek when you are at work more
hours from Monday to Thursday and take any other except Friday. Or maybe just means
heading out to the doctor this afternoon and take up the time later. Particularly for women with
a seemingly endless list of other commitments, FlexTime is incredible.
Like this option? You're not alone. Job flexibility picked up steam in the late '90s as
organizations ranging from
It is 8:30 a.m. and Priya, an executive director for environment charity in Manitoba, has been
exhausted. It turns out BlackBerry and checks the calendar to see what's in the hopper for the
day. There is a meeting at 9 am, `` another 11, at a luncheon at 12:30, and two long
conference call this afternoon has yet to prepare for.
And somewhere between all the lip hits and response
for urgent messages and phone, that got to find time to actually do their job. It looks like it's
going to be another grueling days bound to stretch deep into the night.
Hopes of only seven year old daughter will not be too disappointed to be taken off the market
for new shoes school. . . again.
Priya is eccentric. Of irritable. Neck muscles are so tight
SHE'S having a hard time turning her head. And sleep?
Forget it. Priya is also starting to realize its affiliates
walk on eggshells around her, reluctant to strike
the office door and quickly leave again soon
conversation has ended. Until now, Priya has seen itself as always
leader and inspiration to others, people are not avoiding a
fear that they will take their heads over some minor offense.
Anyone can see that Priya is suffering from burnout, and work need to make changes in life
so she can go back
be both happy and productive. But if the old saying is
true, that change is so good as a rest, we can conclude that change can actually come in the
format of rest? Enter sabbatical. Educational leave, paid or unpaid leave, generally
stretchingapo one month to one year, the job is still waiting on the other side-once considered
a privilege for all academic or business executives with enough force to require several
months off to write a book or sail around the world. (Think the final settlement project
alternative to steroids.) But no longer. An increasing number of Canadians, including women
like you who choose to step away from their computers, grouting tools, or nursing stations,
and working arrangements zitisispou help to find a way to balance work and zois.Prin a few
years ago a Canadian survey Hewitt Associates, an international human resources consulting
firm with offices in Canada, found that 12 percent of employers offer paid sabbaticals, and 44
percent offered unpaid leave. And those figures are expected to grow over the coming years.
This increase in the number of employers offering long leaf t is in response to future tight
labor market, shrinking talent pool, they say. In other words, organizations that already see
the writing on the wall trying to find ways to attract and retain top talent because they
understand a fanesteron fact: it is much easier and cheaper long term to enable employees to
take a break from everything what is to replace workers burntout fresh blood. So this is what
is in it for them. You?
Sandra, a senior director level, a utility in
Calgary, jumped to six months after the educational offering of the merged organization took
a leading role in smoothing over the political fallout.
"It was like herding cats," she says now. "Very, very angry cats.
Need much handholding. "For four months Nikki worked 16 hours a day and took five hours of
sleep each night. By the time he saw the light at the end of the tunnel was ready to call it quits
for good. But
surprised when Nikki came over her boss's hand in resignation will not take. Instead Nikki
offered half a year off, unpaid, to rest, revive and rekindle the professional and personal
passions. "I slept for the first two weeks, then joined a book club, signed for an art class and
actually used my gym membership local. It was fantastic," he says, mentioning that even after
he went a dream I had was that of hiding for years: to become a writer of books for children. "I
discovered a much better manager than a writer," she quips. "But how will I know that if I had
time to learn?"
How indeed? If you spend time wisely, an extended break could revitalize his career question
you or start a new one to help you explore what you're really gifted at, or allow them to return
to school and to uncover unearth new passions or forget them. An education gives you time
to think
what to do next with your life. (Remember the work-life money questions answered at the
beginning of this chapter? Is a great place to start digging and in internal training.) Same time,
sabbaticals help you feel healthy again, rather than a bag of marbles worried about an
impending heart attack. You could even travel and reconnect with their spouse, your siblings,
sons, daughters or friends. Remember?

Yes, in a time-starved 35-year-old gal who lives and dies to the list, the thought of all this free
time seems quite, well, porn (or at least as engaging in a repeated lottery-win fantasy) . But
this dream is actually achievable. For Nikki, it meant that he realized that he wanted to come
back to the company and continue to feed her talents ekei.An take sabbatical, but you may
find, like some others do, that you are much more to a new career as, say, a personal trainer
for mid-life mothers, a physician for hearing children, or even as hell attorney-tilt for
negotiating a contract for the benefit of your client.
So yes, you can do. (If you are wondering how to convince your employer to let you take the
leap is not scared of the thought will not be back, flip back to page 16 to get the lowdown on
negotiating employee benefits and privileges to the boss. Regular that will help you calculate
the most successful way to land a sabbatical.) But, let's put the brakes on this dream for a
moment. Sure, a sabbatical can lead to personal growth and a month in Paris, sitting lazily
beside the slow flow of the Seine, but if you dream that taking a leave without pay will not lead
to serious blows to your bottom line. Will. So how can you afford the time unless your
employer says yes, but you're stuck paying the bill? Because remember, it is much more
likely scenario.
Let's go back to Nicky for a moment. Here's what did: Because Nikki Sabbatical was a
surprise and was not able to save up for it, found ways to slice and dice the costs, and even
found new ways to make money.

• stopped downloading music and audiobooks from the iTunes and started listening to free
podcasts. It has a library card on a very workout.
• H Nikki loved her cabin in the Rocky Mountains, but between
property taxes and maintenance was a major economic
black hole. Nikki decided to use the chamber to make
money that summer, so it created a simple website to advertise the property. Soon, he was
renting for three weeks at $ 800 each week.
• With a mortgage is to refinance, Nikki chose conservative fixed-rate and went for the more
dangerous rather than a variable rate. Sounds crazy, right?
It is not. Nikki has her home and realized that, because interest rates were unlikely to rise
significantly over the next six months, it was logical to go for one year floating rate and save
more than $ 100 each month if required. If it starts to cool down walk can always be locked to
a fixed rate at any time. Work your money 27
• The expensive gym membership at the center of town was used and worked round the
corner, so why bother with this holding during the sabbatical? Joined a local women's fitness
rather than onethird the cost of what it was before payment.
Luckily Sandra was $ 9000 emergency fund that came to
manageable, and the last two months of sabbatical continued
to pay off credit cards, as usual, to keep the credit
Average high. We will discuss more saving strategies in the next chapter, but as you say, a
few small tweaks to save and earn hundreds of dollars each month.
But what if you have time to get yourself on solid financial
field before the big leap?
Is there an easy way to start saving not feel the pinch very hard: open a new bank account,
maybe a high interest savings account or other low-risk option, remember, you'll want this
money sooner or later, so avoid risky enterprises and set up automatic withdrawal from the
main account. Or set up a system so that a small amount of your paycheque removed before
ever see. Even $ 75 a month to "fund your education" becomes $ 900 a year plus interest. (Of
course, interest will not buy you more than a couple of lattes if you do not save it for ages, but
it's better than nothing.) Remember, an education should not be expensive. In fact, if you
think ahead and start preparing for it well in advance possible long-term financial implications
will be next to zero. Some families even plan to take a sabbatical and travel to developing
countries to volunteer in exchange for room and board. A family with their education this way
could end up paying less than $ 500 a month for living expenses. Chances are, especially if
you work long hours, spending more than the takeout Chinese, Thai, or
pizza every month. It is five months after Priya returned to work by
sabbatical and this feeling happier, lighter, and control of the day. While away from work was
developed perspective
using an executive coach life, and discovered
could not tell redundant meetings. He learned to stand
for itself. "Even though my organization is not educational program itself, when I approached
my board of directors to take a license, took one look at me and said:" We are very happy this
is what you ask. Alerted us everything was going to leave! "Priya says now. But I'll tell you,
once we agree on a date to be licensed will automatically start feeing better. I expect
something.
Priya also discovered something amazing: it is a sabbatical can really be a savvy financial
move. Because the work was Priya countless day by day administrative tasks could be
divided among other employees in his absence, the position was largely unnecessary. At first
it seemed like a negative for Priya. But as it turned out, the opposite happened. Now it's back
in the office, the development of a new position for itself with all-new found time. It is a
strategic, long-thought kind of role and, being the kind of work he loves, it is better to it. In
response to the good work, have found ways to land some big corporate donations, even got
a raise. Priya has never been happier. "Who knew hitting a wall at work will lead me to this
place?"
Sometimes we need the catalyst of the temporary change make another sticky. And
sometimes that change rest, or whatever you call it, can lead to more money, more fulfilling
jobs, and, what everyone seems to be more after-year.
Work Out! Wondering how to plan a sabbatical that will include sitting in a sunny beach and a
reappraisal of your life (or at least a week in New York sans children)? Here's what
You must not: over the project. at least not at the beginning of the process.
That is correct. If you try to map out every detail of
your way to freedom, the chances of your soul out and end decide to take that sabbatical.
(Your mortgage seem too big to take any financial risk. Colleagues will be lost without you.
How to explain the license for your mother? You can fill in the blanks.) Replace thinking how
to pull it off because the need to split and left ruminating on these nitpicky details until after
you commit yourself 100 percent
for the cause. In the great unknown Let's face it, there are times when an increase in pay,
better hours, or even an education is simply not enough to keep you happy in your work.
Between a boss who talks constantly about the new car, soul-sucking transform, and the
growing sense that working for "Department of Redundancy Department," sometimes you just
need to get out. From finding time for networking, interviewed as a pro, to check that
prospective employers read about you online, here's how to turn fantasies flight career with
strength. find time to network is only a few minutes after 5:30 in the breezy afternoon Monday
and women in swishy lap-top bags are flooding through the doors of the hotel conference
room in Halifax. Controlling a coat, grabbing a distinctive name, and lifting a glass of wine, the
participants are ready to work the room. So Once the canapis go veggie tray and can be read
clearly, the nearly 200 entrepreneurs take their seats for the official presentation at this "pink
collar" networking event. And
for the next 45 minutes everyone standing on the podium Utters what soon mantra of the
evening: "Thank you very much for coming. We know how little time you have." A sea coifed
heads nod.
For most women, finding the time in the network can be frustrating. One more time behind the
firm's growth path for years, and juggling day care, home and the odd hot
dinner on the table, you may feel impossible to obtain
But in what women know that networking is important for finding
better job and to promote their careers. Really important. In fact, some evidence suggests
that up to 80 percent of all job vacancies are not advertised. So how do the positions
be paid? People just like you network their way into them.
Yet, although women who instinctively know the exchange of cards and asking the all-
important question-What can I do for you?-Can mean the difference between languishing in a
dead-end career and sailing to nirvana in the workplace how find the time?
Here's how: to change the way your network and networking project for the life you lead.
Ultimately, one of the best ways to find time to network is to reintroduce the very notion of
what is a networking event. Work your money 31 Nora Spinks, President of Work-Life
Harmony Enterprises in Toronto, says some customers are creative in the way network.
Organize a monthly potluck dinners with other women who rotate from house to house, so
mothers have to be away from their children at night. Others linked by teleconference, run
book clubs at home, the network of PTA, and even work together. These are choices that
everyone can try, if you work in a big city or small town. Formal or informal, successful
networking is only when we set limits. So do not go to a cocktail reception, seminar, or local
meet-and-greet is not a clear sense of what
want to get out of the meeting and when you want to leave. If your goal is to be home when
your children go to bed, make sure you leave time to say goodnight. Chances are it will not be
the only control the clock at 7:30 and making a mad dash for the door. "We are becoming
more creative and innovative in how we network," says Spinks. And we're growing respect for
the other years. This is very important. "And what about social networking; Does it work too?
Whether you connect to Facebook, LinkedIn, or any of the myriad social networking sites,
they're definitely a busy
The best friend of the woman. Upside of these websites is that it is a quick and painless way
to spread a lot of people that you
market. (And no need to spend a small fortune on a new shirt or shoes to impress fellow
event participants.) Daisy Wright, a certified career management coach in Brampton, Ont., Is
a big fan of social media as saying that seen to help customers find work.
"I'm on LinkedIn and Twitter, and extraordinary opportunities come to me via social media as
well. We believe that the reduction
very soon, "he says. For example, many hiring managers and employers to send calls via
social media stating what position you to recruit and what they are looking
the candidate. Sometimes friends and family can send
for information about a vacancy that usually should not be advertised widely. The downside is
that if they keep rather closed network of friends, colleagues, customers, and acquaintances,
the network may actually become more cumbersome. References sense if the relationship is
far away and you have no way of knowing if the person you are referring to is a star employee
or a pain in the neck. Instead tweeting all with a "Here's a job that may be of interest and feel
free to
tell me to send you "send job leads only to people who have either worked with them or have
heard stellar things. Work out!
It's easy to say yes to too many networking opportunities. Before the agreement in each case,
even a virtual one sent from a Facebook-friend takes a moment to ask yourself some
questions and conduct a little research before rsvp.
• You can access the list of people
would attend if so, plan in advance where you would like to respond.
• There are people on the list of results that could
eventually help you land dream job? participants are decision makers in your desired
industry? (You can attend many networking events with uncertain results if your experience
level and skills are out of sync with other people.)
• How much time will be there to meet and greet? If there is at least one hour of faceto - staff
time, the debris. Interview a professional course work room is not the only time you are
required to open your mouth and speak your piece. In some
point you're going to land an interview for the job you have
coveting for ages and after the first flush of joy fades,
Panic could be in.

We would love to tell you to relax and everything will be okay,

but we had better not. In fact, you should feel some butterflies walking through the door of the
researcher, because this debate
you to be. . . one. . . much. . . large. . . agreement. Goodbye to the days when HR managers
read resumis and generally knew who intend to hire before anyone ever got the chance to
speak. Employers Not today, at least those people want to work, is dead serious when it
comes to contesting candidates and extracting answers. And it should be, says Ross
Macpherson, an interview coach and resumi experts Whitby, Ont., Which are often women
coaches for the finer points of gab. "Now, when companies realize that can cost $ 40,000 to
pay for recruitment and training to hire someone new, who want to make the right decision the
first time," he says. Thus, it turns out, you're not alone feeling the heat when you're invited to
the hall. Want to turn that knowledge around and use it to your advantage? We know the
basics of prepping for this interview-by
Research the company website to appear on time, or even better 15 minutes sooner, but here
are some other interviews with advice you probably have not thought of but that coaching
interview swear by: Place in time
Prepare, prepare, prepare. We know. You say you've heard this advice a thousand times, but
have you ever thought about just how much time and attention should be given the interview
process?

People typically spend more time on their uniform than

someone wants to say in an interview. It's scary, "Macpherson admits.
It's true. People will often spend 30 or 40 hours to
tweaking a resumi, but will spend only half an hour to prepare
an interviewer. Where it is known that the interviews
where final decisions if the hiring manager
pick the winner! If this is a job you really want to spend at least an entire day, providing
everything from tough questions
("Give us three reasons why you should hire two of which should not.") To the completely
bizarre ("If there was a sign
in your face, and three words to describe you,
what is it? "). You can not predict every scenario, but
You try to hit those who are likely to result.
acting as an employee tell your potential employer is planning to open a new branch in Dubai
and wants to hire someone to spearhead the project. If you see a recent magazine or
newspaper articles
hand about the challenges others have already addressed
there-and offer solutions-you're already proven
You deserve. It is more difficult for an employer to dismiss a person
who is already acting like a team player. receive a number
Hello. Welcome to the interview session three. Please take a seat
alongside the other candidates in the room. You should interview
with you. "
Huh?
Honestly, between the conduct of interviews, trendy multiple
mini-interviews and, yes, group interviews in which many
Candidates corralled in a room to answer questions en
masse, there is a chance you will be asked questions and wacky
placed in a strange situation when they appear for interview.
All you have to do is strengthen your confidence recalling
yourself that women like you are in demand. Take your time
35 work for your money before you talk, think about what's going to say,
smile. (Just do not let them see you crossing your fingers behind your back.) Recognize the
sensitivities if you have been fired twice in the last 10 years, you do not want anyone to ask
you if you ever leave me. Somehow I stumble over your reply, however, hold your head up
and answer honestly. Act that is to say before
interview and sounded more confident. Pressing
For further information, quickly explain what you learned from
experience. Then move on already.
Remains concerned that the new company will hold the complaint
against you? Just remember that: employment is much like weddings.
Get loads of people divorced, but that does not stop other people
back to them again.

know thyself
We also admit: the job interview is an entirely unnatural
experience. Unless a blind date, what other circumstance
You should walk into a room, complete a full
stranger and talk about yourself in glowing terms for an hour
and a half? But just because they are typically not mean
to fight through it.
Here's a tip to get you started: write the ideas you
pass the interview format section then practice saying
story in a few different ways. (It should perhaps be
between six and eight "stories" in the minds heading in the interview.)
Should be prepared not sound like you give
canned answers.
If you still have a hard time talking about yourself • Use time to prepare for practice and
practice some more.
Grab a friend, spouse, or someone you're comfortable talking to him about coaching interview
celebrities have values ranging from 75 to $ 150 dollars an hour and more, is a good option if
you encounter this issue seriously and are willing to pay and invest the money in your career.
The Kim, a television producer in Toronto, he thought it was the best candidate for the job. He
was polite, had experience, and just
seems to match the rest of the staff. But the opinion did 180 degree turn once decided to
Google. "A news came on this candidate reports were made two years ago for the brutal
beating someone at a sporting event," he says now. "We decided to take a pass. "Googling
potential employees is not the only high-tech way that employers are now informally selection.

One in five companies say they also use social networking sites in the hiring process,
according to CareerBuilder. com, pays to know what kind of incriminating evidence that you
are trying to find out for you. More areas of interest include:

• Information about alcohol or drug use

• Inappropriate photos or information posted at
Page candidate
• Poor communication skills
• Bad-mouthing of former employers or colleagues
employees
• Inaccurate qualifications
• unprofessional screen names
• Notes with links to criminal behavior
• Confidential information about past employers

On the other hand, the study showed that 24 percent of rental

Managers found the information helped them make the decision
give the candidate a job. Thus, especially if you are looking for work and have accepted offers
for employment or boss friend requests, treat your Facebook page as the ultimate cover letter
and show the world how well-rounded, interesting and professional you are. Work Out!
Build one of the best self-marketing tools that will help
stand out from the crowd: a resumi web or web portfolio. With the majority of employers now
search online resource rents, creating a professional, welldesigned website for your project is
sure to give you a competitive advantage. In fact, the very existence, speaks to the fact that
you are proactive and innovative, not a bad way to sell. The cost to construct a range from
free (if you do not mind an out-of-the-box version and the knowledge that your site will look
much more people's-may have to pay a small monthly fee at all) in thousands dollars for a
professionally designed specifically for your site How to negotiate a better package you
networked pumps you, impressed the HR, passed the test search Google, and you work.
Congratulations. Now comes the fun part: negotiating wages and benefits. Yes, we're still
talking about negotiating your way that half a million dollars. While many of the tips back on
page 16 apply here also, when it came time to talk money and privileges to a new location,
there are a few points to consider:
• The court you. Please note that by the time you received a call telling you the job you're
actually a very good place to ask for a better benefits package. From the perspective of the
employer, the recruitment process is lengthy and expensive. If you offer the position, I
sincerely hope that it will take.
• Ask now, not later. It is important to your requirements before starting work. As the
candidate of choice of employment, it will be seen in the best possible light, in other words,
you're the "winner", so the employer is more likely to give you what you want.
• The money question. Not convinced the salary is high enough? If you are not severely
lowballed, sometimes it's in your interests to a job that pays slightly less than what you're
after. However, this approach makes sense only if you take a job at a company that offers
room for progress. Just two or three promotions and salary increases in subsequent years
and will make much more money than starting salary. Of course if the starting salary is not
enough to pay the bills or allow you to save anything for an emergency fund or retirement, all
within walking distance.
This will only Sabrina has her own business as a personal chef at Calgary. But not always
self-employed. At one time
worked in high-end restaurant, but when it suddenly shut down and the outside work had to
scramble. It was fun finding a new job in the high-octane, hectic industry, where the nights
booked everything and sleep is an afterthought. "So I licked my wounds for a couple days
then I started thinking what else I could do," he says. "I realized it could combine culinary
skills with my passion for me to make lives more enjoyable . "
Work your money 39 Sabrina targets busy working women who are willing to shell out for a
good leek and feta tart with a glass of unoaked chardonnay at the end of the workday.
(Sabrina struggles
meals with wine for a fee.) two years in business, and is
making more than $ 45,000 a year after expenses. A step by
basic salary to the restaurant. Self. Whether you leave to go to work, as Sabrina, or want to
be your own boss likes Mary from the beginning of this chapter, the self is a hands-one of the
most exciting and challenging ways to make a buck . (Or millions of them.) This is one of the
reasons why one in 10 women in Canada are self-employed, according to data from Statistics
Canada. Next trafficking reserved parking at work in their own way home, women find ways to
make their work fit today's lifestyles and aspirations.
Not that the picture is quite rosy, especially when you consider that self-employed women
with unincorporated businesses are almost half as likely to earn over $ 20,000 per year
compared with men, especially in rural areas and small towns. Moreover, in most provinces,
selfemployed territories Canadians do not qualify for government benefits and insurance
programs, such as disability, maternity or parental leave, employment security and pension
schemes. But let's back up for a while. Yes, as a whole, selfemployed women make less than
men. But that failure to pay can be partly attributed to women who make the choice to work
part time. Indeed, many women choose selfemployment path, so they can care for children,
check in on elderly parents, or pursue other passions. Of course they can receive government
cash would be ideal
but remember, when you work for yourself, you pay removal costs less tax. Knowing this,
Sabrina takes some
Money that would normally be taxes and creates a
Heavy emergency fund and empty as it can in RRSP. In short, we just run the business of
running very economically.
If you think you have what it takes to be your own
Boss, here are some questions to ask before entering
the ranks of the successfully self-employed:

Q: Will my business make money? Will I be successful?

A: That depends on several factors ranging from how much experience you already have,
whether or not you have a name in the industry or networking connections, how saturated the
market. Even if all the stars align, it can still be a tough slog at first. (But do not give up. We
believe in you!) Sabrina has her own business as a personal chef at Calgary. But not always
self-employed. At one time he worked on high-end restaurant, but when it suddenly shut
down and the outside work had to scramble. It was fun finding a new job in the high-octane,
hectic industry, where the nights booked everything and sleep is an afterthought. "So I licked
my wounds for a couple days then I started thinking what else I could do," he says. "I realized
it could combine culinary skills with my passion for me to make lives more enjoyable . "Work
your money 39
Sabrina targets busy working women who are willing to shell out for a good leek and feta tart
with a glass of unoaked
chardonnay at the end of the workday. (Sabrina struggles meals with wine for a fee.) Two
years in business, and is
making more than $ 45,000 a year after expenses. A step by
basic salary to the restaurant.

Q: Can I manage the operation of a business, although I used to work for a large company?
A: Great question. There is definitely a shift in culture where
Leaving behind an employer to go solo. Performing routine office takes some getting used to
after fleeing from the world of assistants and support staff who take care of financial and
administrative functions. So do not be surprised if at first you need a contract and saying,
"How can I write that?"

Q: How much money do I need to start?

A: As much as you can possibly stock, although the actual amount varies depending on
whether your startup business requires a lot
funds to buy equipment or supplies and how much money you need
to live up to the first check arrives. Aim for six months worth of living expenses if you can
swing .. You can negotiate yourself a 19 percent pay increase and confident boss to let you
leave early on Tuesday to take a class. Or maybe you networked your way
a new career, and decided to give all up to go the freelance
route. Whatever your story, you are now ready, and have the
time you need to start, so your earnings will give you
life you want. Remember that magic wand?

Over the next three chapters, we're going to devise a plan to help you spend smart, save
more and pay the debt for a running
money. We are also going to go into stocks, bonds, mutual
funds, and more while helping you find your destiny at all
things related to the investment. It's going to be fun. We will do our best to make it simple. So
far you have built the core of the machine that will produce for you money with this simple
recipe.

Remember, until you are 40 years or build a machine that produces money for you or you
become a cog engine which produces money for other

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