For years, the modeling industry has been plagued with predators and con-men who pretend to be legitimate modeling agents and claim to have top model talent agencies; but in truth, victimize teenagers and con them out of thousand and even hundreds of thousands of dollars. These criminals have spent years perfecting their evil trade and these hapless teenagers are no match for their cunning.

These, so called, modeling agents feed your ego, vanity and need to get what they want. And once youre victimized, the authorities can do little to help you recover what youve lost. Save yourself from the sting of being scammed by being able to identify the red-flags warnings when dealing with these fake modeling agents.

More often than not, these bogus model talent agencies will advertise heavily on television, radio, newspapers and the internet. These scammers will try to lure you by saying that they are conducting Screen Tests for commercials. Then, these fake model talent agencies will claim that theyre clients already appear in several national ads.

Once you bite into their alluring ads, one of their modeling agents will ask you for a prepaid fee for your “screen test”. After they conduct the screen test in a local hotel, they will ask you to buy a copy of the screen test for an additional fee.

The modeling agent will, then, tell you that youve passed the audition to lull you into a false sense of security. But almost immediately, the fake modeling agent will ask you for, yet, another set of fees for you to be part of the model talent agencys introduction program. The modeling agent will claim that they have a high success rate of those who join the model talent agencys induction program. The modeling agent may also claim that the model talent agency he works for is a member of some independent modeling association to keep your confidence up.

In the end, you never truly get anything worthwhile from all the fees youve paid and if you still havent given up hope by then, the bogus model talent agency will continue to bleed you for more. Demanding a refund is next to impossible too, since theyve covered their misdeeds with waivers and receipts and the modeling agent will use these documents against any claim you make. Always be aware of these telltale signs of a scam.

Legitimate modeling agents never ask for up-front fees of any kind. And, real model talent agencies simply ask for casual snapshots of the model applicant. So, dont let your excitement get the better of you; and always use your head.

Many people are starting to drown in debt. Credit card debt levels progress each year and have reached $8,000 per individual, according to some statistics. You definitely want to get out of debt; otherwise you would not have been reading this article. Or, probably, you are seeking ways to earn more and spend less with better education or job?

If you are a single parent and are raising kids on your own, barely making the ends meet, you may find it interesting that there are free money giveaways by U.S. Government for qualifying single moms. Many of us came across information online that there are Government Grants available for those in need, with no need for repayment. Many have wondered whether it is true.

Despite What Many Think Government Grants Are Widely Available

In fact, it is. While the money is there to be given out, there is some research and legwork to do in order to get it. You should learn about grant options available for you to use. There are many government-funded programs within an easy reach for single mothers. Well, if you are not a single mother, do not get discouraged there is money for many others in financial need.

There are grants available for funding many life activities, such as going back to school, getting professional training, or helping to take care of family in difficult times. Such assistance programs, however, are not always easy to find.

U.S. Government Hides Information About Free Money

The matter of fact is that U.S. Government, boasting endorsement of social programs to improve their electorate approval ratings, makes such programs hard to find. While millions and millions have been set aside for grants, details of them are hard to obtain. Therefore, some research is required.

Investing time and effort in digging out grants and financial assistance programs is well worth it. Few people know of existence of such programs, and even more do not believe that there is in fact free money out there for people to claim.

What kinds of assistance are available, you may ask. There are grants out there at all levels waiting for you to claim: federal, state, county, and city programs are available. Besides those, there are private associations and community groups willing to issue grants to people in need. While many people may qualify for those, they are of especially great help to those, falling into minority groups.

By establishing the relevant background in education coupled with certification, the pharmacy technician salary is assured of a comfortable passage for growth. So long as people continue to consume medication and drugs for legitimate reasons, it spells a sustainable income for a long while. Acquisition of basic into advanced certification certainly puts one in a more favorable light as compared to peers of lesser laurels. At the opportune moment for promotion, this scores better points with the management. Drug specialization in medical fields also enhances ones earning capacity as jostling for top position in the common barrel does not justify effort with return.

Employment at a larger establishment certainly spells better prospects as they often can pay more as compared to the local drug store which can only afford a staff of one. Albeit the lack of human contact, opportunities to rise in the corporate ranks translate to a chance of a healthier pay check. There is certainly sufficient incentive to induce one to work for bigger corporations. In the thick of the industry, these employers may provide better medical plans and discounts on purchase of their drugs. Opportunities to participate in medical breakthroughs are also in the bag despite the notion of becoming guinea pigs.

As additional boost to the basic pharmacy technician salary, some individuals opt to take the less desirable time slots. Whether it is the weekend, holidays or the graveyard shift, pay is higher for those hours and certainly helps to supplement the basic income. Others prefer to work on a part-time as they put themselves up for hire with various employers.

Some regions may allow unions to operate with the sole purpose of protecting the rights of employees as well as conducting negotiations with employers on income, allowances, days off, insurance and the like. Hospitals with a sufficiently large workforce as well as trade unions with specialization in medical trade follow a salary range to ensure fair pay for all.

Although government jobs are some of the most stable careers in the economy, federal employees are still watching their bank accounts and trying to save money. The good news is that many companies offer public servants deals on vacations, clothes, phones, auto insurance and home improvement. We have researched and compiled a list of the Top 10 Secrets of Federal Government Employee Discounts.

1. Food

10 percent discounts are offered to military members dining at IHOP, Denny’s, T.G.I Friday’s, Long John Silver’s and the Hard Rock Cafe. Applebee’s also offers a 15 percent discount at selected locations.

2. Clothing

10 percent discounts are offered at Nautica and New York and Co. Fans of Old Navy know the company offers a discount on the first of every month. These discounts can also be used in conjunction with coupons and other methods of saving.

3. Auto Parts
5 to 10 percent is offered at Kragen Auto Parts. Advance Auto Parts offers active and retired military members 10 percent off. AutoZone offers military discounts as well.

4. Insurance

Depending on the state, Geico offers between 3 to 10 percent off automobile insurance. Liberty Mutual also offers car insurance discounts.

5. Home Improvement

Lowes and The Home Depot offer 10 percent discount at most locations. The government is also offering up to $1,500 in tax rebates for installing energy-efficient products. LongFenceandHome.com offers a discount to federal employees and military personnel on a wide variety of products and services.

6. Eyes

Group Health Eye Care offers a 20 percent discount on prescription eyeglasses or sunglasses. Additionally, there is a one-time offer of 20 percent on contact lenses.

7. Gyms

Washington Sports Club offers 33 percent discount on their monthly membership fee.

8. Travel

When planning a trip, Govarm.com is our recommended site for vacation and leisure services. However, some other respected government travel sites are: Club Quarters, Government Vacation Rewards, Holiday Inn Express, and La Quinta Inns and Suites.

9. Communication and Technology

Verizon offers a 20 percent discount on phones, calling plans and accessories. When looking for home computing software and hardware consult Dell. They offer at least 10 percent when purchasing their products. Do you prefer Macs? Apple has recently offered various discounts on iPods and computers.

10. Fedsave.com and RecGov.org

These are the top recommended sites for searching government discounts. Fedsave.com offers a subscription which includes a free monthly newsletter highlighting savings and special offers on everything discussed above.

Government discounts are abundant, but are often overlooked. With some quick research, you may find yourself saving a lot of money.

Does employee benefit administration have you more confused than ever? If so, its no wonder. Even a simple employee benefit plan can create mounds of paperwork and management problems for businesses. To make matters worse, it has become increasingly difficult for businesses to compete in todays labor market without offering an employee benefit program of some kind. Most employees today expect full employee benefits and many believe they should receive benefits equivalent to a federal employee benefit program. Even employees that work for minimum wage commonly expect to receive employee benefits similar to the Wal Mart employee benefit program.

Whether you like it or not, employee benefits have become a must have for most employers. Not only does offering employee benefits help you to keep up with the competition, but it can also be a good way to attract and retain quality employees as well as promote teamwork and morale in your organization.

If you are considering offering an employee benefit plan to your employees in order to remain competitive and retain quality employees, its important to understand the key components of a plan and employee benefit management.

So, what is the minimum employee benefits you should offer? Take a look at the basics below.

Health benefits are considered to be the core of any employee benefit plan by most employees. Today most employers offer a choice between either an HMO or a PPO and cover approximately 80% of the premium for their employees as well as the dependents of their employees. You may also consider offering dental and vision coverage.

The other key component of an employee benefits program is a savings program. By and far, the most popular plan of this type is the 401(k) savings plan. Keep in mind that you can offer a 401(k) to your employees without actually contributing any funds yourself. If you do choose to generously make contributions to your employees savings plan, you might consider setting a cap out amount. For example, you might agree to contribute no more than $1000 a year per employee. That is quite standard among most small businesses that offer this type of plan.

While health and savings benefits comprise the core of most employee benefit plans, its important to recognize that you can be flexible when designing an employee benefit program. Many employers today are offering employee benefits in a most creative way to satisfy the emerging unique interests of their employees. For example, many businesses are now offering onsite child care, pet insurance, domestic partner benefits and meal reimbursements for employees that typically put in overtime.

With the expansion of businesses that are spreading abroad from their headquarters in the United States, there is a need to protect the intellectual property that has propelled the corporation to its current level of success. Applying for international patents that mimic the terminology of their currently held US patents, companies that are moving into new markets are able to find the best translation services that can offer them the quality they expect when duplicating their existing documents. Hiring individuals that can provide the organization with a high quality linguistic translation of the original patent information, translation services are able to ensure that what has been carefully worded and prepared for the US patent office is being engineered for submission in a foreign land.

Whether requiring translation of the documents into Russian, Korean or Chinese the companies that provide native speaking translators to complete the task of duplicating an official document into any one of thousands of languages that are spoken by people throughout the world. Hiring and training the individuals that have grown up speaking another tongue as their native language the translation providers are able to offer the services of combining expert document translation and patent application to the corporations that are spanning the globe. Using the educational resources and professional background of the native people who are providing contracted translation services, the companies that are developing new markets abroad are able to utilize their expertise to provide the exact verbiage and literal translation of official documents into another language.

With the various needs of businesses to address the specifics of their patent pending documentation the people that are assigned to transcribe the original patents into a form that can be submitted for international patents are able to deliver the highest quality. Because of the understand of science, technology and other disciplines, translators are able to offer the most accurate duplication of their work to the corporations that are requiring their patents be held in every country that they are doing business in.

Multiling is a international patents optimizing translation for leading innovators. ()

The knowledge and skills of employment lawyers Ottawa makes them the best advicer to solve different situations that may arise at a place of work.
Regardless of whether you are an employee or employer in Ottawa, you will discover that the employment lawyers Ottawa are the only skilled professionals who can help you to protect your rights at work. Employment law is a wide area and full of legal guidelines and requirements, it is forever appropriate to look for an advice that would be good to make certain that your rights are not getting infringed. There are different circumstances in which employment lawyers are needed, like:
1.If a manager wishes to discharge an employee for the reason that there has been a substantial drop in their presentation that has not enhanced, or that they have been trapped breaking any company regulations or even for any other lawful reason, employment lawyers can make sure that this is done officially and without any ramifications for the employer.
2.When unfairness has occurred in the place of work (in terms of skin color, age, religion, sexuality, gender, and so on), employment lawyers can assist you to attempt and tenacity regarding the issues at work and, if by any chance this doesnt work they will try to take up more steps till you get your rights back.
3.On instance, an employee’s previous contract gets changed due to an endorsement, demotion or alters in the business’s policy and guidelines. In these state of affairs, employment lawyers Ottawa read over the latest contract to confirm that there are no dodges and that in cooperation the employee and employer are confined against mistreatment.
4.At whatever time a staff handbook is altered, it can be extremely helpful for an employment lawyer to glance over it, as doing this can facilitate to keep away from any misinterpretations or deceptive information getting all the way through. They will as well make certain that these credentials are lawfully binding.
Thus, we can see that there are several scenarios that can be up to a great extent gets benefits due to the involvement of skilled employment lawyers Ottawa. Their skills and experience can be of great value at the time of preventing mistreatment at the place of work, which may also prove vital to safe the rights of both the employee as well as the employer. There may be many people who may offer valuable advices to escape from such a troublesome work situation but there is one fact that it is only the employment lawyer who would be the best among all.

Living outside USA will not get you rid of the requirement to file annual income tax returns. Citizens and US green card holders are required by law to file their tax returns each year even if they have stayed outside United States or have not generated any income in United States of America. They should continue to file their returns same as when they were living in US if their annual gross income as an individual is in excess of $ 9,350 or $ 18,700 when filing as married jointly. The filing of tax return by expats is also required to claim any tax benefit including foreign earned income exclusions or foreign tax credits. Let us further study these requirements.

There are some special provisions in place which are applicable for expat taxpayers to make it convenient for them to file their returns. The filing of state tax returns may not be due but it is still mandatory for all of them to file their federal tax returns to Internal Revenue Service (IRS) department.

Let us first understand that filing of a tax return doesnt mean that necessarily you have to pay something to the tax authorities. As an expat you can qualify for foreign earned income exclusion in Form 2555. This means an expat earning in excess of $ 100,000 can still pay no taxes in US. In case you have paid any foreign income taxes you can claim tax credits of the equivalent account.

US expats have several options on where they have to send their tax returns. In case where no income tax is due they can file by mail addressed to IRS, Austin, TX office. In the case where you have tax dues you need to mail the return to IRS, Charlotte, NC office. American tax payers can also submit their returns at the nearest consulate office. Special extra time of six months is also provided to the expat taxpayers in order to file their returns. They usually have to file their returns by 15th October every year, this six months extension is automatic and one doesnt need apply to avail it. A simple form 4868 is supposed to be filed by this category of taxpayers.

One always also has a choice of electronically preparing and submitting their tax returns from an off shore location. This method has proven to be more efficient and less cumbersome.

The Asia Pacific region is one of the fastest developing regions today and a major tourist hub for tourists from all over the world. It is also a great destination for Indian couples to go on their honeymoons. Paras Holidays a leading tour operator in India has organized 14 days /13 nights amazing Australia Singapore Honeymoon Package for Indian honeymooners at an affordable price. This Australia Singapore Honeymoon Package Star Cruise Virgo is perfect for honeymoon couples.

Australia

The trip starts in Australia and in Brisbane which is famous for the Gold Coast area. In Brisbane the tourists have a variety of activities planned like going to Dream World, a choice between Sea World and Movie World and also a free admission to Sky Point Observation deck. The next stop is Cairns and a full day Big Cat Cruise Tour with lunch and an option between semi submarine glass bottom boat or Snorkeling Gears.

On day 6th the tourists head to the largest city in Australia, Sydney. In Sydney the tourists first get a half day Sydney City sight tour of all the major tourist attractions in the area. This is then followed by a great visit planned to the Sydney Aquarium. The tourists get a MonoRail Pass for the day and also visit the Sydney Tower Eye with 4D for a gorgeous view of the city from the top. In the evening the tourists get a chance to visit the Darling Harbour and then take a beautiful and relaxing Show Boat Standard Indian Dinner Cruise. Next day the couple can travel to the amazing Blue Mountain region where they have 3 options as to how they want to spend their day on the Blue Mountain Tour.

Singapore

From Sydney the tourists move ahead to Singapore which is one of the top Asian cities on the planet. The tourists get an amazing city tour of all the major tourist attractions of the city. Then the honeymoon couple is taken on a Star Cruise Virgo Tour Package in South East Asia where the couple spends 2 nights on board the ship travelling to beautiful destinations in South East Asia.

After returning back to Singapore, the couples can enjoy the Night Safari tour which is very popular among tourists visiting Singapore. Day 13 is the Sentosa Island Tour where the tourists can enjoy the many wonders of the beautiful Island of Sentosa in Singapore. The couples can enjoy the one way cable ride, Underwater World, Dolphin Lagoon, Song of the Sea, Butterfly Park and Insect Kingdom.

This Australia with Singapore & Star Cruise Virgo Holiday package is the perfect Asia Pacific Holiday Package for Honeymoon couples planned by Paras Holidays.

During times of economic instability, investors naturally seek to find a way to minimize any potential losses and invest in assets that will hold their value. One such investment is gold, a traditionally popular choice during economic volatility for a number of factors.

Investors during these periods often look to diversify their portfolios away from the stock market which fluctuates with the economy and is therefore at risk of crippling losses of value, losing money for investors over years or even decades. Gold is an obvious choice for many investors because gold is not linked to the economy in the same way that stocks are. As gold has been used as currency across much of the world in the past, it is not tied to one particular government or economy, which causes it, in effect, to be a global, international form of currency. While it is not impervious to fluctuation, these changes aren’t linked to economies and therefore much less likely to lose investors’ money during a downturn.

Gold does not depreciate in value, partly due to the fact that it is not only an internationally recognised currency but also a commodity. Hence, during unstable periods, gold is a wise choice; stocks can fail but gold will not, or at least not to such a drastic extent. It will always be in demand, not least because large markets like the electronics industry and the jewellery market use it extensively.

For the reason that it acts as a hedge for inflation, gold is seen as a ‘safe’ investment. When stocks and bonds decline, it often follows that investments like gold, which have intrinsic value, actually increase in worth, and are therefore less likely to cause losses. When the economy is suffering from negative interest rates, a situation whereby inflation is higher than the nominal inflation rate, gold is often a sound investment. In these cases saving with a bank is often seen as more high-risk than owning a tangible asset.

Although investing in gold is not a completely sound method of avoiding economic instability and does not ensure fully a hedge against inflation, it does have a proven record of minimizing losses during these times. This is evidenced by the fact that gold held its value through the worst of the last century’s economic crises, the Great Depression and World War Two. This established testimony to gold’s ability to hold its worth is a significant aspect in the tradition of investing in gold during economic problems.