Are rumors circulating throughout your workplace that there may be downsizing, a lay-off or merger? Are you scared and don't know what to do? These 5 tips can help you feel more in control of your financial situation:
1. Take a long, hard look at your monthly bills. Are in up to your neck in debt? Now is the time to tighten your belt and try to get a handle on the interest rates you are currently paying. Can you pay down some of your debt right away? Transfer to another, lower rate credit card? Should you refinance your mortgage or home equity loan? Now would be the time to take care of this, not after you've received your pink slip.
2. What can you trim in your monthly budget? Stop buying those lattes every morning and save about $80 in one month. Rent a DVD instead of going to the movies. You are the only one who can decide what you can and cannot live without, but these are two good examples of the latter. Cut back on your dining out and you'll see more green in your wallet right now, when you need it the most.
3. Be more aware as you pull out your wallet for every day expenses and decide if you really need to buy that item. Now is not the time for a shopping spree to cheer you up. Instead, make an effort to be more aware of where your money goes every day, every week.
4. With gas prices sky-rocketing, should you consider buying a hybrid car, or at least one that gets better mileage? Do it now, while you're still employed. See if the dealership offers any customer incentives such as a rebate or lowered interest rate on the loan.
5. Do you know what benefits at work you are entitled to? Take the time now to ask the Human Resources department what benefits you're currently enrolled in. If you have health insurance, be sure to get any physicals or medical tests now to make use of this benefit. Take advantage of any dental or vision coverage you may have- get those eyeglasses or contact lenses updated now or schedule a visit for a check-up at the dentist. Those co-pays are a whole lot cheaper than paying full-price later.
Being aware of the situation, planning and taking action makes you feel more in control of your life. Sure, you can't do anything about being laid-off and in most cases, (unless you committed gross misconduct on the job) it's not your fault. It's a management decision that will probably wind up changing your life for the better. See this as a new opportunity, not as a loss, and your positive attitude will help you find a new job soon. Good luck!
in Careers
Sunday, October 17, 2010
Providenciales Island Part Of The Turks And Caicos Islands In The Caribbean
Providenciales Island is known to all as Provo, and is less than ninety minutes flying time from Miami, and is part of the Turks and Caicos Islands, being only a short hop from the International Airport, although it has its own direct flights from the USA.. It has an almost perfect temperature for a holiday destination being around 83 degrees Fahrenheit on average with about 35 inches of rain per annum. The hottest months are September and October, but the constant easterly trade winds offset the heat at this time of year which can rise to 95F and keep things reasonably cool.
The Turks and Caicos islands are located in Eastern Standard Time, and are around nine hours flying time from London, and are a totally different world from many other Caribbean Islands.
It is worth hiring a car if you are going to Providenciales, and also make sure you get an up to date map. You can pick a map up at the Tourist Information Stand just to the left of the baggage arrivals. A car, even a small one will enable you to get to many of the beaches and restaurants on the island, and be in control of when you want to go, and when you want to leave.
Be aware that car rental isn't cheap but will be worth every dollar.
It is also sensible to bring with you some snorkelling equipment because the undersea sights at Providenciales are just superb, and it would be less than sensible not to take the time to swim amongst the marine life.
You will easily find on the map two good places which are Coral Gardens and Smith's Reef.
The Coral Gardens can be easily found on the map, just off Lower Bight Road on Penn's Road.
Park in front of the resort and walk down. The reef is protected and cordoned off with buoys, but go round the buoys and you will see a huge number of fish, and perhaps even a reef shark, but certainly parrot fish, and very often sea turtles to swim with.
The water is deeper at Smith's Reef and it is quite a lot harder to get to. Drive towards Turtle Cove and follw the road the Yacht Club Resort and Sharkbite Restaurant[Well worth a visit]. Go left at the T junction and after parking, walk away from the marina until you see the rock cairn. Swim out to the second and larger reef, and watch out for boats, which perhaps spoils Smith's Reef..
The real beauty of your own car of course is the independence it gives you, and you should visit the beautiful beach at Sapadillo Bay off Chalk Sound Road. It is worth driving right down the road just to see the huge houses, as well as the stunning views.
Take the car to the southwest point of Providenciales Island.. Here you will find a very isolated and empty but beautiful beach. It takes a little finding, just head towards the Blue Hills, and stay on the main road going past Da Conch Shack, then pass a school on the right until you reach a major road to the left. By this time you will be praising the new map you bought at the airport!! Stay on that new road until the end, and there you will see three tracks. With a decent car you can take the left hand one, and this leads to the beach. If you walk along the beach around the corner until you get to a cave to explore and you will pass a rock absolutely covered with pelicans.
There are a lot more things to see and do on Providenciales Island, superb hotels especially on Grace Bay, and there are many who feel that this part of the Turks and Caicos is as good as the Caribbean gets.
For more information go to http://www.caribbean-vacationspots.com
in Vacations
The Turks and Caicos islands are located in Eastern Standard Time, and are around nine hours flying time from London, and are a totally different world from many other Caribbean Islands.
It is worth hiring a car if you are going to Providenciales, and also make sure you get an up to date map. You can pick a map up at the Tourist Information Stand just to the left of the baggage arrivals. A car, even a small one will enable you to get to many of the beaches and restaurants on the island, and be in control of when you want to go, and when you want to leave.
Be aware that car rental isn't cheap but will be worth every dollar.
It is also sensible to bring with you some snorkelling equipment because the undersea sights at Providenciales are just superb, and it would be less than sensible not to take the time to swim amongst the marine life.
You will easily find on the map two good places which are Coral Gardens and Smith's Reef.
The Coral Gardens can be easily found on the map, just off Lower Bight Road on Penn's Road.
Park in front of the resort and walk down. The reef is protected and cordoned off with buoys, but go round the buoys and you will see a huge number of fish, and perhaps even a reef shark, but certainly parrot fish, and very often sea turtles to swim with.
The water is deeper at Smith's Reef and it is quite a lot harder to get to. Drive towards Turtle Cove and follw the road the Yacht Club Resort and Sharkbite Restaurant[Well worth a visit]. Go left at the T junction and after parking, walk away from the marina until you see the rock cairn. Swim out to the second and larger reef, and watch out for boats, which perhaps spoils Smith's Reef..
The real beauty of your own car of course is the independence it gives you, and you should visit the beautiful beach at Sapadillo Bay off Chalk Sound Road. It is worth driving right down the road just to see the huge houses, as well as the stunning views.
Take the car to the southwest point of Providenciales Island.. Here you will find a very isolated and empty but beautiful beach. It takes a little finding, just head towards the Blue Hills, and stay on the main road going past Da Conch Shack, then pass a school on the right until you reach a major road to the left. By this time you will be praising the new map you bought at the airport!! Stay on that new road until the end, and there you will see three tracks. With a decent car you can take the left hand one, and this leads to the beach. If you walk along the beach around the corner until you get to a cave to explore and you will pass a rock absolutely covered with pelicans.
There are a lot more things to see and do on Providenciales Island, superb hotels especially on Grace Bay, and there are many who feel that this part of the Turks and Caicos is as good as the Caribbean gets.
For more information go to http://www.caribbean-vacationspots.com
in Vacations
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