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Why do you want more money?

by Leon van der Walt

We all want more money, but have you ever stopped and asked yourself why you want it? Is it to buy the things that give you pleasure or maybe you want to provide better for your family? Whatever it is that you want to buy, whatever it is that you to do with the money, it can often be traced back to some more basic human need or want.

So stop for a moment and answer the question: Why do you want money? (What do you want to do with it?) Even if you already have all the money you desire and are doing what you’ve always wanted with it, this exercise will help to determine whether the means serve the end.

I’ve always wanted to be very rich and have a lot of money, but taking a moment and examining the reasons why is an eye-opener. So take out a pad of paper and make three columns. The first column to note what it is that you want, the second the reason you want it, and the third the basic human need/want that it fulfils.

Below I’ve set out the first two of my own as an example:
What – Why – Need/Want
1. Yacht – Cruise around the world – Want to be able to say ‘been there, done that’.
2. Support parents – Duty – Want them to appreciate what I do for them.

My list is far longer and the reasons (the why) mostly valid. The needs and wants, however, seem almost childish at times. Yet it is these needs and wants that is the real driving force behind some of the things that I do.

It is nothing to be ashamed of and it is valuable to know what drives you. In fact, you might realise that the need or want that you need money to satisfy, can be satisfied by some other means and that money is only one of the paths that will take you there.

Explore your inner self and the reasons that you desire money. Do this, not so that you feel guilty or doubt your own desires, but that you may know yourself more intimately. Know what it is that drives you. And may you realise that money is of itself not an end, but only a means to an end.

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Leon van der Walt is an aspiring netrepreneur in the fields of inspiration and financial freedom. Leon has a masters degree in quantitative risk management and when not working on the Net is a bank employee. He strives to continually improve himself and is focussing on increasing financial literacy. He is the web master at and can be contacted at through the contact form on the website.

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Job Search Etiquette

by Scott Brown

For most people, the word “etiquette” conjures up images of privileged wealthy people and esoteric rules of social behavior that have no real meaning. When it comes to business interactions and especially those relating to job searching, etiquette is an important component in coming across as a candidate worth considering. Business etiquette is not about being a snob: in fact, it’s about *not* being a snob. It’s about being considerate of other peoples’ feelings and helping them feel comfortable with the social aspects of interacting with you on a professional basis.


Part of having good etiquette is making a good impression. If your appearance is in good taste and not wildly different from the employer’s own manner of dress and style, they will feel much more comfortable with you. In a job search setting, your “appearance” really begins before you even meet the person face-to-face. It begins with having a well-written cover letter and resume. You’d be surprised how many people have spelling and grammatical errors in their resume. Most word processing software, including Microsoft Word, includes a spelling and grammar check. The formatting of your resume should be neat and easy to read. Don’t use lots of jargon or come across as condescending to the reader.


If the employer gets past reading your resume and is still interested in you, one of two things will happen: they’ll e-mail you or call you on the phone. This is where you need to make sure the experience this person has interacting with you by e-mail and/or phone is professional and pleasant. Don’t use an unprofessional e-mail address like “” You can get a free e-mail account from or if you need to. If you’re using an email account that has a storage limit, make sure you check your messages often enough that a recruiter’s email to you won’t bounce back because your mailbox is full. If you might not be around to answer the phone, make sure the message on your answering machine sounds professional (and make sure the answering machine works). Even better is to change the message on your voice mail daily and when you go out so the caller knows you are checking messages on a regular basis.

When corresponding with an employer by e-mail, rules of proper writing style apply. Don’t write in all capital or all lower-case letters because this is improper writing style and comes across as lazy. Do attempt to create a warm and personal connection with the person in your messages, while remaining professional at the same time. The same goes for phone calls: when answering the phone, it’s important to sound warm and receptive — even if you’re busy with something else. When you get a voice mail from someone, call them back as soon as possible: even if it’s just to let them know you’re busy but you will get back to them with an answer as soon as you can. They will appreciate your thoughtfulness.


When meeting with a recruiter face-to-face, dress neatly and conservatively. Make eye contact with people when they speak to you. In the past, women were to be treated differently in the workplace. This changed when etiquette expert Leticia Baldridge published her rules on business etiquette, saying that women and men should be treated the same way in the work place. For example, a man and a woman should shake hands the same way a man and a man or a woman and a woman would. When shaking hands, offer yours at 90 degree angle with the floor and don’t hold just the fingers or crush the other person’s hand with your grip. Some men may wait for a woman to extend her hand, so women interacting with a male interviewer should offer their hand first.

In the course of your interviews, you may be introduced to various people in an employer’s organization. You should always stand up when being introduced to someone. Even if you are too far away to shake hands, it is considered proper etiquette to stand for introductions.


When you first meet an interviewer or other people in an employer’s organization, they may want to start having a casual conversation with you. The goal of small talk is to find things in common and to create a bond. It’s not that important to be witty – asking questions and being a good listener is fine. You can also be prepared to share a little about yourself such as sports/athletic activities you’re interested in, pets, hobbies, as this can help the other person feel more comfortable opening up about themselves.

Watch out: politics and religion can be dangerous topics, especially if not handled diplomatically. If the interviewer brings them up, it’s fine to make comments about the subject being discussed but be careful not to make categorical statements or express a very strong point of view. Under no circumstances should sex or violence be discussed because they can be very upsetting and make you come across as someone with bad judgment. Likewise, never use profanity with a potential employer/recruiter, even if you’re having a jovial conversation as people often perceive those who use profanity as being less intelligent.

Imagine the communication qualities of a good leader: stick to your convictions as diplomatically as possible; address conflict in a situation-related rather than person-related way.

Article Tags: Make Sure

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Scott Brown is the author of the Job Search Handbook ( As editor of the weekly newsletter on job searching, Scott has written many articles on the subject. He wrote the Job Search Handbook to provide job seekers with a complete yet easy to use guide to finding a job effectively.

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Choosing A Credit Union

by Anna Woodward

There are many reasons why many people refuse to do business at banks. Many of them feel that they have been robbed by some of the extravagant fees that they were charged when they were loyal customers in the past. Others feel that the banks are not too fair about how they approve people for their many financial services, even though the applicants may have good credit history. No matter what your particular reason is for not doing your business at a bank, there are many reasons why more and more people choose to do business at a credit union instead.

Credit unions are smaller financial institutions that offer many of the same services as big banks. The main difference is that they often have less stringent membership requirements, and they offer services that are much more accessible to their customers. If you were to ask credit union members what it is that they feel is the advantage of being a member, as opposed to doing business with a big bank, you may be surprised to hear that one of the top answers is that it is less stressful.

Since many a credit union can charge lower fees for some of the same services that are offered at big banks, customers get to have more control over more of their money. For instance, depending on whom you bank with, if you were to overdraw your account, you have a risk of the check not being honored. This also often results in the assessment of an overdraft fee and possible limits being placed on your account. Rather than have to deal with the embarrassment and frustration that such a situation can cause, many people have accounts at local financial unions that offer them a revolving line of credit. It is much easy to be approved for this type of service to prevent overdraft fees and offer protection so that customers won’t have to worry about bouncing any checks.

If you are ready to make a change and are tired of having your hard earned money taken by the bank, it is time for you to make a move and open an account at a different financial institution. Why bother going back to the same type of structure by choosing another bank? If you make the transition to one of these financial unions, you will see why there is such a high level of satisfaction amongst all of their customers.

A credit union will also often have very relaxed membership requirements. This means that as long as you live in a certain area or work at a certain company, then you won’t have any trouble opening an account. Those aren’t the only ways you can gain membership; there are tons of banking alternatives that offer a wide range of options to make joining much easier and less stressful than it is at a bank. If you are finally ready to make that change, then it is time for you to explore your options and find the financial union that works best for you. You will notice an increase in your finances and a smile on your face every time you go in for a financial transaction.
Article Tags: Credit Union

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