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Women Dominating Sales Positions
Women are becoming a dominant force in sales positions. In the article 10 Most Lucrative Industries for Women it was noted, âA recent study found that women are coming to dominate certain areas of sales, a traditionally lucrative field for those who excel. In fact, the study seemed to show that women tend to have better selling skills than men, translating into substantial earnings for saleswomen.â
When women were asked what their top 10 more desired sales careers would be, they chose:
1.   Pharmaceutical Sales
2.   Biotech Sales
3.   Dental Sales
4.   Insurance Sales
5.   Healthcare Sales
6.   IT Sales
7.   Medical Sales
8.   Advertising Sales
9.   Medical Equipment Sales
10. Real Estate Sales
This is good news for women in the current questionable economy. Monster reported, âIn 2010, more employers were willing to invest in their sales forces, having some faith that customers could be cajoled into buying. In October 2010 there were 145,000 more workers employed in sales and related occupations than a year earlier.â
For additional resources about women and sales positions, check out some of the following links:
Women Turning to Cosmetic Sales
Community of Women in Professional Sales
50 Best Careers of 2011
Sales Jobs for Women Search Site
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Can the Unemployed Manage to Eliminate Debts?
Unemployment is at its worst in this recent economic meltdown and these unemployed people are struggling to pay off debts. Are you in a similar situation? Then you can file bankruptcy as it is considered to be the last option of debt relief programs. But if you declare bankruptcy then it might ruin your financial future. Therefore, you can follow a debt management plan to avoid the adverse effect on your financial situation.
Here are a few tips that will help you eliminate your debt without damaging your financial situation:
1. Look for a job:
You can be successful in eradicating your debts if you get a job immediately. You can use your income to pay off the debts and attain financial liberation. You need to work hard in order to get a well paid job therefore start applying for it. Until you get a job try to deliver newspaper, set up a roadside soft drink stand or deliver pizzas and utilize the money towards paying off your debts.
2. Negotiate with the creditors:
The next crucial step to eliminate your debts is to negotiate with the creditors to lower the principal balance and interest rate to make it affordable. You can easily convince the creditors by stating your financially distressed situation. If you directly approach the creditors then you can avoid the threatening calls from the creditors. Make sure that you are aware of the Fair Debt Collection Practices Act (FDCPA) then you can take action against your creditors if they harass you.
3. Pay the accounts down.
Right now do you have a part time job? Then inculcate the habit of saving so that you can start paying off your debts immediately. If you are unable to manage your expenses then formulate a budget plan as it will help you pay off the debts in an organized way.
4. Keep a track of your credit report:
You need to keep a track of your credit report once you pay off your debts. Make sure that your credit report shows paid in full otherwise your credit rating will drop. Therefore, request your creditors to notify the credit bureau as âpaid in fullâ. You should review your credit report every three months in order to check if there is any discrepancies on it. If you locate any wrong entries on the credit report then ask the credit bureau to remove it.
5. Avoid borrowing:
It is advisable to avoid borrowing in order to secure your financial situation. You can create an emergency fund and deposit a portion of your income in the savings account then you can prevent yourself from taking out new loan.
GUEST POST: Stewart Smith, financial writer.
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Our Kids’ Financial Futures Are At Stake
The sky is falling. We hear about it every day. The stock market is plunging, the housing bubble has exploded, and the list of doom and gloom goes on and on. How did we get here? We consider ourselves a bright nation. Why then, didnât we see this coming? Did we get too greedy? Did we lose our common sense? Perhaps it was a little of both. What is important is what we have learned from our mistakes and the knowledge we pass down to our children to help them avoid a similar fate.
Unfortunately our children may end up sinking in our same boat. Even if they go to college, the personal finance education they will receive will be slim to none. While in college, our children are finding themselves more in debt than any past generations. Think about some of the financial statistics for our youth:
- 76% of undergraduate students have credit cards, while carrying a balance of over $2000, according to Nellie Mae. 28% percent of students roll over their debt each month.
- College graduates are finding that they are over $20,000 in debt, according to Creditcards.com.
- Charles Schwab reported in a 2007 survey that 45% of teens have credit cards but only 26% know how to understand how their fees and interest payments.
Whether we are looking at Generation Y, Echo Boomers, Millenials or any of the other names given to those born after 1982, it is important to understand that they have been raised to expect immediate gratification. Sixty Minutes did a recent feature discussing how companies are even bending over backwards to meet the demands of this high-expectation generation.
If everybody is bending over backward to meet their needs, what is going to happen when they have to be financially responsible for themselves? Why arenât we bending over backwards to help them learn to be financially independent? We have seen that past generations (their parents) have been poorly educated and are apparently in no position to teach them. If it is not to be taught by parents who are uneducated themselves, where will they get this knowledge?
Currently many colleges and universities are rethinking their position in including personal finance education. Unfortunately these classes are mostly electives or only required by business majors. It costs upward of $6000/year average to pay for a childâs college tuition. What are they getting out of that to prepare them for their adult life?
What can be done?
- Colleges can create more course offerings to include personal finance education. Within the courses, texts need to be appropriate for all majors. Many colleges offer texts for these courses that are math-intensive, which can turn off the student who is not a math genius.
- As parents we can help our children by sharing our mistakes and explaining what we ourselves have learned in the process.
- K-12 Guidelines can be updated to include more specifics as to amount of âtimeâ devoted to the financial literacy information our schools are supposed to be teaching.
- Personal finance books for younger students could be created in a story-telling format that would allow for them to relate the importance of what they are learning to their own lives.
If future generations are not taught to become financially responsible, who is going to bail them out? Are we going to have to just keep relying on the government to come to the rescue? It certainly isnât going to be their parents, as they have lost their retirement nest eggs. In fact, their parents may be looking at this generation to take care of them.
Guest post by Diane Hamilton, who has a BS, MA and Ph.D. in Business Management. Her experience includes working in several industries including pharmaceuticals, banking and real estate. She has trained corporations in areas such as time management, emotional intelligence and Myers Briggs. She currently works as an online professor, working for 5 different universities. She teaches mostly business-related courses to bachelor, master and doctoral level students as well as mentors doctoral learners. She is in the process of writing a personal finance book for the young adult. Diane can be reached through www.drdianehamilton.com