December 28, 2007, Newsletter Issue #139: Check your Options and Do Your Research

Tip of the Week

Business Opps –next time you get an ‘opportunity' through mail, email or popping up on your monitor, run the Scheme name (and any other keywords like the creator) through Google to research further information, judgements, opinions, forums and articles so you are armed to make an informed judgement call. Email other people who are already running with the scheme. They do reply. This one small step alone will save you precious time and money before you find yourself ‘sold to'.

Money –from loans, cars, borrowing, lending, insolvency- it's a boring job to do your research, especially after you've relayed all your personal and financial details over the phone or net a couple of times over, however it will pay you back ten fold in the time spent. When someone gives you an attractive sounding financial solution I urge to refrain from saying ‘yes' straight away, replacing it with ‘I'll get back to you'. Go and research what they're offering, who they are, if someone does it better. Any company worth their salt will respect you and wait for you to call them when you're ready. I learned this one when dealing with finances!

Education –in my opinion, I think it's harsh that at 14 and 15 years old young people in the UK have to start narrowing down their educational options by choosing their GCSE's in specific subject areas. This determines their choices from college, university and further education- leading to career choices for life. It works for some but the way that society and industry has become. The fact is that no one is in the same career for life, let alone job. Who wants to be anyway?!

For the savvy-researcher there are countless opportunities and options for re-training, changing careers, with many colleges and universities offering opportunities to study online. Research courses, colleges, providers for the value and worth of the qualifications- when I was training to be a life coach there where many ‘Diploma' courses ranging from £300-5000.

With determination, anyone can change what they do – age or experience is no matter.

I ask anyone about the trot off to university- are you going for the right reasons? Just going for the life and taking whatever course is offered? I saw an eye opening statistic the other day-
A. One could spend £20,000 getting into debt with student loans, accommodation, fees etc for three years plus and scraping by with a part time job.
B. OR starting working at 18 getting some valued work experience, living life and enjoying money whilst doing a distance university degree of the same value and type as Person A costing a smaller £5500.
I know moving away and other issues come into it too, I say it is definitely worth checking out all the options and choices.

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