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Personal Finance

what-to-do-when-your-job-leaves-you

We no doubt live in a dynamic world where change is the only constant. Seasons change, fashion changes, laws and rules change; even we as individuals change. Somehow, there is one change that when it happens, it throws off our equilibrium. This is one that hits most of us where it hurts… directly to our bottom line. This post will explore what to do when your job leaves you.Do you notice that the title says “when your job leaves you”? This doesn’t apply to a conscious decision to move on from one job to the next. It could, but that isn’t my focus.There are several ways in which your job can leave you. You have been laid off for whatever reason; downsizing, acquisition or any other made-up reason that companies use these days when they want to preserve their bottom lines. Or even worse, you could be fired! I have never been fired but I imagine this would rank among the worst of the lot. Whatever the reason may be,  at the end of the day, you lost a job you did not plan on losing at that time.Now that we have established that stuff happens, and a job is never guaranteed(which should put a lot of things in perspective for all of us non-entrepreneurial types), let’s look at some practical ways that we can handle and adjust to this loss and springboard into a brighter future.Get your mind right…

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4-tips-reduce-financial-stress

If you think back to a stress-free time in your life, either you had no responsibilities or you had everything under control. Well, if your life is anything like the rest of us, the first option might have been during our pre-teen years and the latter is totally impossible. Sadly, a jus’ so di ting set(Translate – it’s just how life works). This post will focus on four simple ways to reduce financial stress.Can we all stop and think of a time in our life when we were stress-free? Just think with me for a minute… Where would you be? Recreate the scenery right now.For me it would be back when I was a child, playing with self-made toys with my neighbors and friends during summer vacation. You know those months when all you had to do was play, and your chores of course. But the top priority was play time and interacting with friends. The only stress we had was making sure that we completed our chores on time and deciding what teams we would be on. In Jamaica, it would probably be 90 degrees, brisk breeze… we’d be eating fruits from the trees, playing one game after the next. Looking forward to trips to the beach; to some new spot on the island you had never been; visiting relatives and friends. Laughter and fun was never in scarce supply. Ahhhh…Life throws so many things our way; some real, others…

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credit-what-i-wished-i-knew

Who remembers that classic movie “Coming to America”? Hmm Hmm, I know you do. Especially those of us that are of a certain age. Eddie Murphy played the role of a very rich and pampered African prince who travels to New York City and goes undercover to find a wife. It was hilarious watching him stick out like a sore thumb in the American culture.Many of my Caribbean friends can relate to this phenomena of migrating to the great US of A, albeit not as rich African princes. Our experiences are not as dramatic, but despite living in the same hemisphere there are differences between our cultures that cause angst and even issues for us as we immigrate to the USA. Issues which we hardly talk about.Most people migrate with stars in their eyes about what life will be in the land of opportunity. Some have the benefit of the experience of family members, while others have no clue what lies ahead. As a friend of mine said “everybody who comes to America has a story to tell”. Of course, these stories are usually about some hardship they faced and hopefully overcame.One of the first obstacles I was faced with was the issue of CREDIT. I will share with you my experience and what I have learned as an immigrant. First of all, what on earth is credit?? Of course we know what credit is but WHAT is CREDIT? What do you mean I have no credit…

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