Free Services

Job Hunting? Need a little assistance?

Resume not up to par?

No cover letter?

If you would like your current resume or cover letter proofed and provided with pointers for a revamp-- I am here to assist. 

Simply email me a copy of your current documents and if improvements or rewording is needed I am here to help!

Most  importantly... no charge for this!

For information on this and other services please contact Alesha M. 989-522-4628

P N L- Personal Assistant Services Personal Assistants are not just for the rich and famous anymore- contact me today to see how I can help you!

Tips

 When preparing for an interview, it never hurts to have a mock interview with a friend or family member. Most employers will want you to tell them about yourself and how your experience can best serve the "needs of the company" If you have done your research your answers should always correlate with the ad t...hat describes the position and your personal experiences. Remember 

"PERFECT PRACTICE MAKES PERFECT"...

 

P N L- Personal Assistant Services Personal Assistants are not just for the rich and famous anymore- contact me today to see how I can help you!

PNL- offers portfolio design, professional business cards, invitations and flyers for any event.....contact Alesha for more info.

Did I mention-- Powerpoint presentations? PNL can create presentations and speeches for your business or personal needs.

P N L- Personal Assistant Services Personal Assistants are not just for the rich and famous anymore- contact me today to see how I can help you!

Tips

Are you displaced from college because of financial issues? I.E. loan in default? School won't accept your financial aid due to not meeting academic standards? Remember there is a second right answer to resolving these issues- A loan can be placed in deferment if you lack financial stability- You can appeal to the school for acceptance and enter in on probation- or you can attend an online institution (there are a ton of accredited online schools).

P N L- Personal Assistant Services Personal Assistants are not just for the rich and famous anymore- contact me today to see how I can help you!

Financial Literacy-- The basics

TERMS

• Assets= Things of value you own= house(real estate, cars or other vehicles, stocks bonds, 401k investments, jewelry, art, business ownership and cash on hand
• Liabilities= debt you owe (what you owe on your assets)= home mortgage balance, car loans and leases, lines of credit, cc balances, ...and personal loans
• Assets= stuff
• Liabilities= debt

stuff-debt= net worth...

In a nutshell; if your stuff is < your debt you have negative "net worth".

Just like any exercise program will direct you - in order to trim the fat you must do the cardio-
the fat in Financial fitness is your debt- Trim you debt to increase your net worth. By doing this you are more likely to improve your overal...l financial health for the future.

Whats the cardio? Well in finances it is the leg work required to do such things as reduce interest rates on cc, creating a budget, liquidating some assets to payoff debt, negotiating and disputing adverse collections with creditors and eliminate bad or unnecessary debt.

The benefit--- cutting the fat can move you from the "red' or negative net worth to the "black" or positive net worth which will increass your financial health so that better long term financial decisions can be made

P N L- Personal Assistant Services Personal Assistants are not just for the rich and famous anymore- contact me today to see how I can help you!

Common Job Search Mistakes- Personality

During the job search process, you can inadvertently send a lot of signals to potential employers about your personality. In each step you make, think about the message you are sending.
 

• Give the impression of a professional: Before calling a potential employer, rehearse what you plan to say or your voice mail message. Does your home voice mail have a silly outgoing message? Perhaps it's time to change to a more serious and professional message. The same goes for your email address; Rocker72@___.com does not give the impression of a professional. All together, these things help a prospective employer formulate an impression of you.

• Dare to dream, but within reason: It's only natural to want to move up in your career. But when sending your resume, be sure that you only make contact for positions that are within your reach. If you're seeking an entry level position, but you send your resume for a management position, it may be thrown away without being considered for any other positions.

P N L- Personal Assistant Services Personal Assistants are not just for the rich and famous anymore- contact me today to see how I can help you!

Common Job Search Mistakes - Interviews

If you've made it to an interview, then you are definitely a good candidate for the position. Keep these things in mind to help your interview go well:

•  Know your weaknesses: Interviewers will commonly ask a candidate to describe a weakness. Don't be afraid to own up to a weakness you have. The interviewer is not expecting you to be perfect and is likely most interested in how you compensate for your weaknesses. Therefore, before your interview, consider what weakness you will describe. If you are missing a skill, be honest. But also mention how you intend to compensate for the weakness.

• Ask questions: Even if you have already researched a job and the organization, you should always have additional questions for the interviewer. If you do not demonstrate that you wish to learn more about the job, then the interviewer may question your true interest in the position. Inquire about the office culture or ask the interviewer to describe a specific aspect of the job in more detail. However, avoid asking questions about benefits or salary, especially in the first interview. Send thank you notes: The art of sending thank you notes after an interview is quickly diminishing. This is why it is a great reason for you to send them! Chances are you'll be one of the few to send a note, making you stand out in the crowd.

P N L- Personal Assistant Services Personal Assistants are not just for the rich and famous anymore- contact me today to see how I can help you!

Keep It Simple With PNL!

People really do want their lives to be simplified....PNL is here to make that happen. Through experience, working in different fields, taking on different roles (leader, planner, implementer) I have learned that I am a "doer"...I get the job done. There are just times in our lives when a task needs to be accomplished but one just may not have the time. PNL wants to make sure this does not happen to anyone. So what do you see a need for in your life were you just don't have the time?

Business Owners and Entrepreneurs....ever think about outsourcing some of the daily task that makes your job a headache? Parents, need a night out? To all, is it time to vamp up the resume? Contact me- so I can help you...email me directly for further inquiries.

P N L- Personal Assistant Services Personal Assistants are not just for the rich and famous anymore- contact me today to see how I can help you!

Credit Woes- Understanding the Statue of Limits on Debt

By Alesha M.

When delving into the process of "Curing Debt Woes" there are some basic guidelines one can follow that may assist with removing derogatory accounts from the credit reports. It is absolutely possible for an individual to take on creditors and come out successful when attempting to create a more accurate financial report card for themselves. The process can be confusing at times as we hear so many differences in opinions about how to approach this however, once you have taken the leap; all the steps are pretty simple to follow. In this series of post I will be listing knowledge I have gathered to describe the process for resolving derogatory accounts so your credit reports is represented with the most accurate snapshot of your financial history.

You may ask: Why is it important for me to have an “accurate report”? The answer is simple… by creating a more accurate portrait of where you are with debt along with a snapshot of your current financial health will benefit you when seeking loans, lines of credit and other types of lending services where the Interest Rate is adjusted based on what is being reported. Poor credit and too much debt equals, no lending to higher interest rates. Less debt and an accurate credit report (resolving past credit issues) can equal healthy lending and fair interest rates.

The first thing one would want to ensure is that derogatory information does not appear on the credit report, where the process is a bit longer to get items removed (although not at all impossible). Did you know there is a Statue of Limit on derogatory debts? The statute of limitations (SOL) for a delinquent debt is the time limit for the creditor to file a lawsuit that can result in a judgment being placed on your credit report. Judgments have a huge adverse affect on you overall credit score and typically do not get removed.

According to www.cardreport.com , “The Statute Of Limitations only covers lawsuits, and SOL expiration does not affect other types of collection action or reporting of the account to credit bureaus. The creditor or collection agency may theoretically continue with letters and telephone calls forever (although third-party collectors are subject to the "cease and desist" provision of the Fair Debt Collection Practices Act.) However, they will generally put much less effort into collecting "Out-Of-Statute" debts, and may give up easily. Out-Of-Statute debts can still be reported to credit bureaus for the time limits specified in the Fair Credit Reporting Act.” Follow this link to find the statue of limit for your state, http://www.cardreport.com/laws/statute-of-limitations.html.

This information is pertinent as it can affect lawsuits that lead to judgments levied against your credit report. It also is grounds to stop collection calls from third parties who have taken over you debt from originating creditors.
Now that you have the “what” and “why's” here is the “how”......

1. Never admit you owe a debt- If a creditor calls you regarding a debt, understand you have the right to remain silent or ask for proof of the “alleged “ debt that would include the originator of the debt, the original debt amount (minus fees and interest) and the date the debt become delinquent.

2. If debt is a certain amount of years old with NO activity one is free to clear the debt.

3. Make sure to verify the age of the debt against the statue of limitation for your specific state. (see link in previous paragraph)

4. Paying a debt that is beyond the Statue is not required. Be bold, never claim the debt.

5. Once all information is verified in your favor address the issue with the collector in written form. Explain the account is no longer collectible. This is referred to as a letter of dispute. Explain any further attempts to contact you or to list this on a credit report is an act against your rights under the fair credit reporting act and that you will seek damages if your rights are violated.

6. If judicial proceedings follow request a dismissal based on these grounds

7. Remember it is up to a creditor/collector to prove you owe the debt. If they do so it is then up to you to prove you do not.