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Financial irregularities are not new to the unemployed person. With the blockage of the only or major source of income, making ends meet is surely going to be a big problem. In that regard, unsecured unemployed loans are going to be very helpful. An unsecured unemployed loan is designed particularly for the unemployed people. Through the proceeds of the loan, the unemployed borrower can pay most of his expenses or use it as a regular income source.
However, the important question is why would a loan provider advance unsecured unemployed loans to such people. Without any stable income and collateral, the unemployed borrower is too risky to be advanced any sum. However, loan providers do make sufficient arrangements before they lend to a particular group of borrowers. Such arrangements are made while lending unsecured unemployed loans too. Thus, unemployed people become capable of drawing unsecured loans.
However, the number of lenders who will agree to make such arrangements are relatively few. A challenge before the borrower will be to find a loan provider to process the unsecured unemployed loan. Lender decision forms an important part of whether borrower will be able to secure a good deal. Certain lenders make living by duping borrowers through expensive loan deals. Such lenders must be avoided while searching for unsecured unemployed loans. The situation of the unemployed person will further worsen if he is to pay very high rates of interest. Therefore, the task at hand of borrower will be to find a truly appropriate lender.
Online search is the best method as far as searching appropriate lender goes. Through the online method, borrowers can search hundreds of loan providers' kitty for unsecured unemployed loans. The borrowers can also request quotes from loan providers to conduct a detailed search. Borrowers can search information about the product through the internet. Moreover, borrowers can compute monthly repayments that they need to pay towards amortization of unsecured unemployed loans. Thus, we can see that borrower is able to perform many of the formalities related to the loan online. Apart from the savings in time, this method is convenient for borrowers in the sense that they do not need to go to the lenders office. A borrower can access the websites of numerous lenders through office or home through secured internet connection. Submitting their details through the online application results in faster transfer of data, which facilitates faster approval of unsecured unemployed loan.
The best measure of the rate of interest is the loan quote. As to say from the horse's mouth, the lender himself offers loan quote. It is an offer under which the lender mentions terms, including the rate of interest or APR, on which unsecured unemployed loans will be available. Since loan quote puts no obligation on borrower, he can request loan quotes from as many loan providers as he wants. The loan quote that offers the best APR on unsecured unemployed loans will be chosen. Some tips for borrowers to know when selecting loan quote:
oTry to obtain as many quotes from lenders as possible.
oNever fix your attention to rate of interest only. Other elements of loan demand equal attention.
oInstead of rate of interest, APR that gives a broader idea of the cost of unsecured unemployed loan.
If you have a bad credit and feel that lenders may not have unsecured unemployed loans for you then you are wrong. One can find loan providers ready to advance loans even in such circumstances. The number of lenders ready to advance loans in such credit circumstances will be further lower, thus making it difficult to locate them. However, when online technology is used, the process is made somewhat easier.
Unsecured unemployed loans may not fulfill the permanent need for cash; however, as a source of cash for a smaller period, unsecured unemployed loans are quite appropriate.
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Filing for unemployment doesn't have to be a difficult process. In fact, there are several things you can do to make it easier. If you're looking for unemployment help, take advantage of the following tips:
1. Start by figuring out where to file. When you're filing for unemployment, you should start with the state you worked in, even if you've moved since losing your job. If you worked in several states, your local unemployment office can tell you which state to file in.
2. Make sure filing for unemployment is something you're eligible to do. To qualify, you must be out of work through no fault of your own, like being laid off. You cannot receive unemployment checks if you were fired or quit on your own. In some states, you may have had to work for your former company for a certain amount of time.
3. See if you actually have to go to the unemployment office. In many states, filing for unemployment can be done online or over the phone. If you file from home, you may be able to skip a long line!
4. When you're filing for unemployment, you need to have a lot of personal information ready. In most cases, you will need to provide:
- Your address
- Your Social Security number
- Your driver's license number
- Your mother's maiden name (for security purposes)
- Information about your last employer, like the company's name, address, and phone number
- The tax ID for your last employer (which can be found on your W-2)
- How much money you made before getting laid off
- Employment information for the past two years
5. Find out if receiving unemployment checks means that you have to file for your state's job service. These services can be a big help, offering you job search resources for free at your local unemployment office. However, in some states, filing for unemployment also means you have to prove that you're applying for jobs and sending out resumes.
6. Keep current on your unemployment checks. Once you're done filing for unemployment, the benefits process doesn't end there. You will have to register online and file for your unemployment checks every week.
7. Keep everything in perspective. Filing for unemployment can be tedious, and your unemployment checks will not be nearly as high as your former salary. Plus, in most states, you can only receive unemployment checks for 26 weeks. In some cases, your unemployment benefits can be extended, but don't assume that an extension will be automatically approved.
Do you have questions about filing for unemployment? Let FileUnemployment.com be your one-stop unemployment resource! Whether you need unemployment benefits, help with your job search, or are thinking about going back to school, FileUnemployment.com has all the information you need.
When facing in time of difficulties, loans can help you out although it is hard for unemployed people to get a loan but there are some financing institutions who offer loans for unemployed individuals. They can provide instant financial help with no hassle at all, just a need of minimum paperwork.
There are unemployed people that can easily qualify for a loans by filling a free and no obligations form at loans for unemployed where you can apply for unemployed loans by matching your application and provide you with instant decision with minimum paperwork and as well as fast processing which enable you to get the funds whenever you need it either for personal purposes or any purposes as long as it is reasonable enough.
Most of the unemployed loans are enable you to access an affordable solution with monthly payments that suit with your budget. The loans for unemployed have to types, the secured and the unsecured. If you are a homeowners, that can be a plus point in loans for unemployed and having a good credit history as well.
Although some of the unemployed people get a taste of the ill treatment at the hands of other lenders for the reasons that they have no work and it is a risk for the lender to lend them some money. Actually the unemployed loans is a loan where the agency arranged by working towards of making the people without unemployed financially secure which provide its services in organization of unemployed loans in order for the unemployed to focus on the job hunting.
Especially now a day that there are lots of people who are jobless due to economy crisis or recession. Some tried to travel far just to find a job or works and take note that financial stress can become overwhelming. The loans for unemployed were designed to help out financial situations that may arise especially when tough times come. Most of the unemployed were out of work due to the fact that they were laid off temporarily and the loans for unemployed are designed by the lenders to help those are out of work to survive until they can get a job although the term of the loan for unemployed are short term only.
To individual also who have any fixed source of income are also considered as unemployed and it's up to the unemployed what type of loan for unemployed you will apply for either the secured or unsecured depending on the capability for you to repay the borrowed money. You can apply online since internet is the most convenient and easy way where you feel comfortable and fastest way to apply for a loan for unemployed. Once you get the borrowed money or the money you loan for unemployed, be sure to spend it wisely and as possible try to find job or work in order for you to repay your loan.
There are many different loans for the unemployed that you may be able to qualify for depending on your credit history. You can even find loans for people with bad credit.
Click on the links above to learn more.
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Loans for unemployed help one to be a homeowner who has a low income or is unemployed. It extends housing loans for constructing, rehabilitating and buying housing purpose structures. It's difficult to get a house loan for the one who is unemployed since there is nothing which can be kept a security for repayment. Unemployed cannot promise such a condition, therefore to cater to these segment loaning market have devised housing loan for unemployed.
ARE YOU TEMPORARILY UNEMPLOYED?
No problem, still you can get unemployed housing loan. Housing loan for unemployed has some of the exquisite benefits attached to them like low interest rate and easy repayment terms. People who are homeless and have very low income due to unemployment and living on government benefits can apply for housing loan unemployed.
Housing loan for unemployed is typically a secured loan. Since you are investing a lifetime of your saving for unemployed housing loan, a prudent decision becomes the prime requisite. If you want to check credibility for housing loan for unemployed, you can contact various firms either physical or online.
HOW TO APPLY
Application is an easy procedure where in you are required to fill a simple form stating your requirements and personal details. It is always sensible to ascertain whether you can make repayments comfortably on housing loan before applying for housing loan for unemployed. Taking housing loan that you cannot repay will just prove to be an additional burden on your already tight position. However, if you are unemployed with a hope of going back to job then you can apply for housing loan for unemployed. To check affordability you can take the help of housing loan calculator. This will help you to decide if should go for it.
The amount and rates of interest rates are variables depending on the type of loan (secured or unsecured) and on your credit history.
So an unemployed status should not deter you from having your own house...
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Loans for the unemployed people are here available for you to meeting your crisis that occurs on you when you lost your stable income due to some personal reason. Unemployment brings lots of troubles in your life but now with the same you can easily getting out from those troubles without any hassle and further delay. It is a fast, secure and hassle free way of availing instant cash to face the unemployed status with ease.
When unemployment brings financial crisis in your life then you can use the Loans for the unemployed people which makes your life easier and free of any cash worry even in situation of unemployed. Because truth is that things are not as bad as they seem and payday loan lender make this thing possible by offering ways for unemployed people.
These loans can be availed with the convenience of no visits, no collateral and no faxing or any other hectic formalities and without much fuss. These loans are suitable not only for the purpose of meeting the necessities of life but also for the purpose of recreational activities like buying a car, home renovation etc. By using same day loans for unemployed people you can easily meet such needs in a least possible time.
Unemployment is the uncertain thing which can be occurs on you without any prior notice and you have to suffer the shortage of cash. It's like the situation of disability or redundancy and in this situation Loans for the unemployed can be an apt option for you as it do not needed any formalities to do from the applicant to being approved for it.
When your pocket becomes empty due to loss of stable income and you have no option except getting a loan but you can't because you have nothing to pledge the security of the loan then your situation is like a disabled one and during such times Unsecured loans for unemployed people can be an apt option for you as its name itself intends it do not involve any collateral at the time providing these loans.
There are no hard and fast rules as to whether you should provide collateral or not even in situation of having bad credit rating in fact it offer cash irrespective of bad credit. If you are willing to have fast cash without having any hassle of hectic formalities then you just have to fill up a simple online application form with some your personal information like your name, age, about your account for the electronic transaction of the loan amount direct to your account.
Once you fill up the form loan amount itself wired to your account at the very same day even for the purpose of meeting the wedding expanse also in a matter of hours.
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Jobless! Are you unable to earn a regular income because you are unemployed? Due to lack of funds are you unable to meet expenses? Loans for the unemployed may help you to resolve your problem despite of your unemployed status.
Unemployment is not a problem! You can easily entail loans for the unemployed. These loans have been tailored for those who don't have a regular source of income to meet their day to day and other requirements. You can avail loans for the unemployed to overcome the financial problems easily. You can use the amount for paying regular expenses, debt consolidation, vacation, home renovation, educational purpose and medical purpose.
As secured loans for the unemployed, you can avail an amount ranging from £ 5000 - £ 75000. You are entitled to a high amount depending on value of your collateral. The repayment varies from 5 - 25 years depending on the amount and ability. Secured loan for the unemployed carry lower interest rates because of collateral.
The loan amount offered as unsecured loan for the unemployed ranges from £ 5000- £ 25000. These loans have short repayment term ranging form 1 - 10 years.
Unemployment is a temporary phase that will not remain with you forever. So, you can look for a suitable job and as soon as you start earning you can start repaying back! You can easily pay back the loan in monthly installments. The installments are kept short and manageable keeping in mind your ability. This makes the repayment of loans for the unemployed much easier.
To make thing easier for unemployed, they are provided with various benefits. A borrower can make overpayments, underpayments or even take payment holiday! For these you won't be charged a single penny. No penalties and fees are charged from borrower considering the hard time and financial constraints.
Loans for the unemployed can be easily applied by bad credit borrowers also. People suffering from impaired credit i.e. CCJs, IVA, arrears, defaults, late payments, missed payments and bankruptcy can also qualify. Loans for the unemployed provide opportunity to such borrower to entail funds and get benefited.
Applying online for loans for the unemployed is very easy. You just have to fill a simple form and the processing with start immediately. Also you can search and find a lender that offers lower interest rates suiting your conditions.
Loans for the unemployed are a financial aid for those who don't have a regular income source to cope with their expenses. It is an easy monetary assistance in financially tough times.
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1937 photo Counting of returns from unemployment questionnaire gets under way. Washington, D.C., Nov. 24. Tabulation of the returns from the millions of unemployment questionnaires mailed out last week was started today when final instructions were issuedPrice:
The official figures are staggering: 35% of the workforce - about 280,000 people - are unemployed and looking for a job. Each 1.43 employee support 1 unemployed person. In the USA the figure is 3.3 to 4 employees supporting all the unemployed AND all the pensioners!
The truth is less ominous. Many employed people in Macedonia go unreported. Their employers prefer not to report them as employed in order to avoid paying social benefits and retirement benefits to the state. This greatly distorts the official figures - yet, it would be safe to assume that the unemployment rate in Macedonia is close to 20%.
Unemployment has only bad aspects. A certain level of unemployment is considered to be healthy. People move between workplaces - this is called labour mobility. People desert old professions for new ones, training themselves to occupy higher paid, higher education positions. This kind of healthy unemployment is called "friction unemployment". A level of 3% to 6% is considered to be friction unemployment in the West (depending in which country).
But the kind of unemployment that is prevalent in Macedonia is not of this kind. It is permanent in the sense that the same people are unemployed continuously for more than a year. It is habit - forming: people lose their self dignity, they become dependent on outside assistance, they are afraid to face reality. Such unemployment has grave psychological consequences. People change under its influence to such an extent that they no longer qualify as workers. This affects the situation inside families. People who used to provide for their families are cast aside as no goods, losers with no prospects for the future. This deeply and adversely affects the very fabric of society's basic unit: the family.
But unemployment also has a great macroeconomic impact. The State doles out millions of DM each month to pay unemployment benefits. Multiply 60-100 DM per month per 283,000 job seekers - and you will face the frightening figures the Macedonian Minister of Finance is faced with every morning. Instead of putting this money to productive use - it is spent on keeping people idle at home on an allowance which is not even enough for bare subsistence. No one is happy: the Government - because its budget is unduly and unnecessarily inflated, the nation - because good money is thus spent instead of being invested and the unemployed - because they can hardly survive on what the State gives them.
Unemployment is not unique to economies in transition. Even much stronger economies - like France's and Spain's - suffer from it. Spain's real unemployment rate is similar to Macedonia's.
What are the long term, structural causes for unemployment?
There are more theories than there are unemployed people.
Some say that free trade encourages unemployment of unskilled and semi-skilled labour. Factories move overseas to places where labour is cheaper. Inexpensive imports of textiles and basic electronic wares compete with the local production and - usually - wound it badly.
Others blame labour market rigidities. If the psychology of employees and employers alike is that of "one big family" where no one is fired even in hard times and even if he is incompetent. If the laws and regulations of the state are in favour of a static workforce. If social benefits (annual vacation, sick pay, child support) increase the costs of employing - unemployment will be created. Employers will not hire additional staff in times of economic boom - because they will not be able to fire them in time of crisis. They will prefer to manufacture in places where labour costs are negotiable and low. Where trade unions have been abolished (Britain and the USA are the prime examples) - unemployment all but disappeared. Yet others emphasize the technological revolution (mainly in the fields of informatics). So many professions become obsolete at such a quick pace - and so many professions are revolutionized so often - that more jobs are lost than created.
But whatever the reasons are for unemployment - certain countries are battling this cancer of society in creative ways.
During the 1990's, Israel - a country with 4,500,000 million people and 20,700 square kilometres - absorbed an inflow of more than 600,000 immigrants (=15% of the population), mainly from the former USSR.
One could expect a dramatic increase in unemployment. If Macedonia were to absorb 300,000 additional immigrants (=15% of its population) tomorrow - its unemployment rate would have skyrocketed until the newcomers would have been absorbed by the marketplace.
Not only did Israel succeed in providing most of this deluge of immigrants with jobs - it also reduced the overall rate of unemployment among its old population! How did it succeed in doing the impossible?
Israel decided to give the unemployment benefits to the employer - not to the unemployed. Let us study an example:
The average unemployment benefit was 900 DM per person per month.
The average salary which an employer was supposed to pay this person if he were employed - would have been 1400 DM per month.
The Government came to the employer with the following suggestion:
Find employment for the unemployed person. Pay him a salary of 1400 DM. We will give you, the employer, 900 DM - instead of paying this amount directly to the unemployed person in the form of unemployment benefits.
So, everyone was happy:
The employer hired an experienced and well - educated worker for 500 DM (The difference between the 1400 DM that he paid him - and the 900 DM that he got back from the Government).
The unemployed person - because he finally found employment with a real chance to continue to be employed in the future if he really contributed to the business that he was employed in.
The Government was happy - because it did not increase its budgetary outlays and expenditures. Yet, at the same time it has increased the level of employment in the economy.
Another Israeli twist: the Government also paid part of the social benefits of the person who was previously unemployed in his first three years of employment. This saved the employer a lot of money and encouraged him to employ and to report the employed person to the authorities.
A whole different approach was experimented with in Great Britain.
All those unemployed in a specific geographic region were assembled into a "Community". The Community included a wide variety of professions:
carpenters and tailors, electricians and farm hands, gardeners and teachers. A computerized centre was set up. Each unemployed person registered with this centre, listing both his professional capabilities - and goods and services that he was interested in, but did not have the money to purchase.
A matching process then ensued: the tailor was looking for a teacher to give his children some private lessons (which he could not afford in his current financial straits). The teacher was looking for a tailor to saw a communion dress for her daughter. So, the computer matched them up:
The teacher tutored the tailor's children - in return for his services in sawing the dress for her daughter. Both of them were thus employed, recovering their sense of self-worth and dignity. Moreover, both of them were able to afford things which were badly needed by them but which they could afford under no other circumstances.
This is a return to primordial, pre-monetary, barter economy.
But who will determine how many private lessons provided by the teacher - are worth one dress sawed by the tailor?
A special tariff was published. It reflected the conditions which prevailed in the "real" marketplace in which real money changed hands.
To ease the "payment" process - special Community money was printed in lieu of the unemployment benefits which the government used to dole out to the members of the Community.
Now, each member of the Community received from the Government a monthly allowance in Community money (instead of real money) which he was able to use only with other members of the community, unemployed as he was.
This way, the purchasing power of the unemployed was used exclusively with the other unemployed, easing their overall situation. It also eased the Government's situation - because it did not have to print additional money to pay out unemployment benefits.
Admittedly, this was a fairly small and restricted experiment - but it was so successful that I believe that it warrants the attention of every nation facing high unemployment.
Unemployment is the stage when people are willing to work but unable to get it because of one or another reasons.
Unemployment could be a severe hindrance in ones life but it is surely not an end of a life. Such sad stage of unemployment becomes more drastic for a person when some important personal needs arise. It is fact that during the period of unemployment you may face the biggest hurdle of shortage of cash in hands. Thus, this condition may impel you to apply for a loan. Applying for right kind of loan at right time is really important, thus the provision of unemployed personal loans turn out to be appropriate.
Unemployed Loans provide great financial assistance to the unemployed people do that they can conveniently sort out all their personal requirements efficiently. By the financial support of these loans you can carry out your number of personal demands like-wedding expenses, arranging vacations, home improvement and paying off debts.
Unemployed personal loans are available in two forms that are secured and unsecured. For getting secured form of unemployed personal loans you need to place any of your valuable assets as security against the loan amount. The amount that you can access through these loans comes in the range of £5,000 to £75,000 for the longer repayment term of 5 to 25 years with lower interest rates.
On the contrary, unsecured form of unemployed personal loans can be bestowed without any obligation of placing collateral. These loans offer a loan amount varying from £1,000 to £25,000, for the reimbursement period of 1 to 10 years. The interest rate charged on these loans is slightly higher, because of its collateral free nature. However, it can be trim down with a proper research of the competitive market.
Unemployed Loans can be easily applied by bad credit holders as well. Those people having impaired credit score due to reasons like arrears, defaults, insolvency and bankruptcy are all acceptable. Thus, these loans help all unemployed people to tackle their personal financial commitments suitably.
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If you are like most people when they first experienced a job loss, you had no idea where you would get money to survive until the next job materialized, but now, thanks to the Internet, you can quickly have access to what are called unemployed loans.
The Internet has brought changes to the way our society operates, and how we obtain loans is not different. Now it is possible to get an unemployed loan just by hopping on you computer and applying for the various loans that are there for the taking. These loans for the unemployed are specifically designed to ease the stress of being without a steady paycheck.
When applying for these specialized online loans, your present circumstances are not really a factor. You can be either a renter; own your own home, or even a college student; if you are currently in any of these circumstances you can still get an unsecured loan for the unemployed.
This is terrific news for those that have recently lost their jobs as now you have a way to meet the bills that are relentlessly coming due. Unfortunately, bills have to be pain and food has to be put on the table whether you are steadily working and receiving a regular paycheck or not.
These specialized unemployed loans are for those who don't have family and friends to turn to for financial aid. When the jobless can't ask or don't have family and friends to fill in the gap, these personal loans for the unemployed provide money during times of desperate need. If it were not for these types of loans, many people would be out on the streets, so they are a proven way to relieve family financial crisis situations.
Once you obtain an unemployed loan, you are free to use the proceeds for absolutely anything you need or want; the lenders place no restrictions on how you spend the money. You can use it to buy groceries, make rent or mortgage payments, consolidate your debts, make vehicle payments, pay for childcare or child support, or just anything that you deem necessary. In fact, once the proceeds show up in your back account, you can use it just as you would your regular paycheck from the job you used to have.
When you do apply online for unemployed loans, you can expect the proceeds to show up in your bank account within a couple of days, and usually it only takes one day. That is you apply today, and you will typically have the money in your account by as soon as tomorrow.
Most loans for the unemployed fall into the unsecured loans for the unemployed category, which means that you don't have to put up any of your assets (collateral) in order to secure the loan.
There are also secured loans for people who are out of work, but these secured loans do take longer to obtain as they do require you to put up collateral. It takes a few days to verify that you actually own the assets that you are offering for collateral. A big benefit to secured loans is that they are typically for much larger sums, money enough to live a year or more in case you don't find another suitable job.
While unemployed loans can be had literally overnight, there are a couple of unpleasant aspects to them including a higher interest rate, and a shorter repayment schedule.
If you are currently without a job and you desperately need money to carry you through until you land another one, consider an unemployed loan; you are eligible even in your current situation seems totally dismal.
Obviously to apply for an online unemployed loan, you must have access to a computer. If you don't have one at home, the local libraries typically have computers that are available for public use, or another option is to ask to borrow a friend's computer for a few minutes.
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Unemployment is a curse. Governments are doing their best to slash in spiraling rate of unemployed helplessly. The situation is becoming tenuous as even inflation has taken the same root. Chance upon to roost their financial deficit, now lending agencies have bank upon providing special financial in the form of unemployed loans. These financial helps have been specifically devised to cater for the demands of unemployed persons.
Usually the purpose of unemployed loans is not confined to a particular area of expense, although the borrowers can utilize the grants on any of their expenses. These expenses are college fees, home improvement, holiday expense, multiple debts consolidation, etc.
Basically, unemployed loans are granted to the borrowers in anticipation of their next job. Subsequently, the borrowers have to repay their debts once they get viable jobs. The more the possibility of getting job, the higher the chances of loan grants you will have.
However, you can find unemployed loans in two of its forms i.e., secured and unsecured. Secured loans are collateral-based money provisions, while unsecured are non-collateral-backed provisions. The amount of loan varies with the circumstances lie around borrowers. When loan is secured by the asset of the borrower, a considerable amount is to be granted to him. But even in unsecured loan condition, a borrower can raise funds generally from £1,000 to £15,000.
In particular, the borrowers who are not capable to pledge any asset can obtain unemployed loans with a slightly higher rate of interest. This is because of unsecured way encountered dual risk i.e., unemployment and without security along the side. However, repayment capability of borrowers determines the interest rates of unemployed loans.
Credit record of borrower does not stop them from loan. However, a good credit record increases good chances of loan obtaining at competitive rates. Also, borrowers having bad credit can obtain the unemployed loans to remove their pending bills to improve their credit records by the repayment of their previous debts.
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Countless people are suffering from extended unemployment. Today's economy isn't in the best condition. Because companies are still recovering from the recent economic crisis, employment opportunities haven't really opened up yet. If you've just experienced a job loss then chances are you might stay unemployed for quite some time. With the possibility of extended unemployment it'd be ideal for you to take steps to prevent the financial instability that usually comes with long term unemployment.
For those fortunate enough to have set aside enough for a rainy day, the problems posed by a job loss isn't as daunting as it could be. But it can be problematic if you're accustom to living paycheck to paycheck. Without savings to fall back upon, extended unemployment can become frustrating. But you shouldn't fret. There are ways to overcome this even when you don't have any savings at hand.
One thing you can do is take out a loan. A loan is a quick-fix solution that can solve the immediate problem of finding money to put food on the table. If you're really in need of money, this is probably the fastest means to getting it when unemployed. Sadly there is a downside to taking out loans. In the long run you will have to deal with the debt accrued through interest rates. The longer you stay unemployed, the more you will have to borrow and the more interest you will have to pay off. This isn't really an advisable way to deal with extended unemployment.
Another thing you can do is to apply for state-funded unemployment compensation programs. The Department of Labor offers unemployed help by providing allowances to unemployed citizens for a certain period of time. The requirements for unemployment compensation vary from state to state, so check with your local labor office to see if you qualify.
Before going with any of these alternatives, it'd also be a good idea to consult with an experienced financial lawyer. A lawyer's legal expertise will cover the nitty-gritty details of government-offered unemployed help services. A good attorney will know whether or not you are qualified for certain benefits under your state's laws. If you're considering filing for bankruptcy, a good bankruptcy lawyer is invaluable. If you feel as if you're in for an extended unemployment then you should consider asking a lawyer for advice.
There are a number of ways to survive extended unemployment. It's simply a matter of finding the right unemployed help and having the right mindset. By taking the right precautions, you can avoid the anxieties that come with long-term unemployment and focus on finding a new job.
R. Trammel feels fortunate to bring financial recovery to those who are laid off, downsized, and unemployed. However, R. Trammel, a paralegal at Allmand and Lee, believes those affected by the radical change in the economy can protect their assets during these difficult times, until they are able to re-establish a stable income.
Rance witnesses the struggles and heavy burdens of unemployment through his clients' experiences, he knows that it is about more than just financial calamity. In the blog Secrets About Unemployment, he writes on the great future that lies beyond unemployment, and the legal implications of the common proactive steps that unemployed people can take. He covers everything tax-related topics, to post-resignation depression, the effects on the family unit, and personal finances.
Filing an unemployment claim can be a confusing and often quite difficult process. Not only are you dealing with being in an emotional state after losing your primary source of income, but the unemployment application process can be quite specific.
It's important to understand that your unemployment claim could be denied or delayed significantly based on the information you provide to the unemployment office.
Below is listed some of the information you will need to provide in order to file your unemployment claim:
- Full name and social security number
- Driver's license or ID that verified your true identity
- The accurate start and finish date of your last employment
- Your employer's details, including name, mailing address and phone number
- Amount of income you earned
- Name and details of all previous employers in the past 2 years
If you file online, then any information you enter will follow you through your entire unemployment filing process. It's also important to remember that if you file unemployment over the phone the claims person on the other end will be typing everything you say. Because you don't want important information missed or mis-understood, be sure to speak clearly and keep your answers short and simple.
Be aware that your reason for being unemployed may be investigated. Your job loss will need to be classified as one of the acceptable reasons for being unemployed or you'll need to have valid reasoning for your unemployed status.
Once you've filed your unemployment claim you will receive some verifying documents in the mail very soon after. Your unemployment mail pack will include a notice of your unemployment claim, a notice regarding your eligibility for benefits, a guide to your benefits and even information designed to help you apply for new work.
Your previous employer will also receive notification of your unemployment claim. If your employer chooses to dispute your claim, then they have 20 days from the date on their notification to make their dispute.
If you've found this article helpful, be sure to check out the full 9-step unemployment system at http://www.Unemployment.ME It includes tips, tricks, and avoidable mistakes to help you apply for unemployment and get maximum award amounts, but also free info on unemployment grants, and a member's-only 9-step system to raise cash, secrets to finding and interviewing and negotiating an even higher salary than before, and much more.
Tom Vecchio has helped thousands of people file for unemployment. He researches unemployment benefits compensation denials and strategies and claims. Learn more at http://Unemployment.ME
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Okay, did you wish on the fairy godmother to take away debts? You are doubtful if it will work- especially when you are unemployed. You are certainly not happy with the current circumstances. You want to work, have the ability to pay your own bills. Everyone wants that freedom and control. Debt consolidation for unemployed can enable the borrower to do exactly that - pay your bills! Unemployed debt consolidation is meant to work when debt numerology has exceeded the number two.
An unemployed will need debt consolidation when they are struggling to pay two or more debts. Unemployed debt consolidation loans are a logical way to manage debts.
Debt consolidation loans will combine these debts into single consolidated loan. This procedure will always carry lowering of interest rates. This means that the cumulated interest rates that you pay on your various loans will be higher than the interest rate on debt consolidation loans.
There will be only one monthly payment instead of many pays for all the unpaid debts. Lowering in interest rates many times lead to lowering of monthly payments. Thus, Debt consolidation for unemployed will generate extra cash every month. An unemployed should not always see lowering in monthly payments as an obvious pattern with debt consolidation. This is so because depending on repayment plan monthly payments may or may not reduced.
Lowering in interest rates will mean saving money in the long run. Saving money would imply raising capital which the unemployed can put to many good uses.
Henceforth, the unemployed debt consolidation lender negotiates and deals with your lenders. It takes away all the harassment that an unemployed might be facing for repayment.
One consolidated loan makes debt condition manageable. You have just to take care of one debt every month leaving you to free to make other financial decisions.
Debt consolidation unemployed is possible with or without collateral. Collateral is security pledged for the repayment of the loan. Not every unemployed will have a security to place. For unemployed tenants unsecured debt consolidation will negate the need for security. This loan type however is open to homeowner also. Many unemployed homeowners would not want to place their home as collateral during their period of unemployment. They can also apply for unsecured debt consolidation.
Secured unemployed debt consolidation will have advantages in the form of comparatively lower interest rates. Repayment terms will be flexible with the ability to borrow more. For amounts from £5000-£25,000 an unemployed will find unsecured debt consolidation more suitable. With amounts ranging from £25,000-£75,000 an unemployed will find better options with secured debt consolidation.
Debt consolidation seems like a magical cure for unemployed. But there are few debt consolidation mistakes which can make this decision prove adverse for an unemployed. Take care to choose you debt counselor or negotiator. They may claim high and mighty to an unemployed but they are not always there to help you. A counselor who promises to reduce your debt or reduce monthly payments to half are working for their own good rather than yours. Unemployed debt consolidation will not reduce your debts.
Like any other loan, unemployed will have to search for the debt consolidation loan that suits their circumstances. Loan lenders offering debt consolidation for unemployed offer great flexibility keeping in mind the unemployed condition. Short repayment terms, discounts, stand-by facility, holiday period, overdraft etc. are few of the benefits. A good debt consolidation lender will negotiate with previous lenders on the behalf of the unemployed. Ask for quote, redemption fees and check for any hidden fee.
Consolidating high interest rate loan into single loan at lower rates makes a whole lot of sense. But never leave sight of the real overall objective to save money, speed up the process of repayment and above all to become debt free! An unemployed should look for debt consolidation with the resolve not to go back to such a condition where he or she will need debt consolidation again. That will itself be a success. So when wished from the fairy godmother to make your debts vanish - it worked. Your wish started to work the moment you decided for unemployed debt consolidation.
Scarlette started on a horse back and had a few falls herself. Therefore, she knows. Financial decisions are to be made after considerable thought and backed by good financial understanding. Her articles might introduce you to financial sense without any falls. She suffers from no injuries now. To find all types of loans for unemployed UK Residents Please visit http://www.loansforunemployed.co.uk
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Unemployment rates are rising at a very fast rate.
The US Unemployment Rate shows us the percentage of people that are considered to be unemployed. The Unemployment rate is the most popular way to give a snapshot of United States labor conditions. The Federal Reserve is always under very high pressure to try to keep unemployment under control. High unemployment rates generally put high pressure on the interest rates. There are several reasons that Unemployment affects the economy, first production, private consumption, workers earnings, and consumer purchase. With a lower unemployment rate employed individuals have pay checks, which leads to them spending money and you will have economic growth as well as happy consumers. High levels of unemployment are connected to lower incomes and lower spending which will cause economic stagnation.
Statistics from US Labor Dept.
In May of 2007 you had 152,350,000 people that were able to work with a 4.5% unemployment rate. In the same month in 2008 that number was 154,003,000 people were able to work with a 5.5% unemployment rate. This rate is expected to rise to more than 6.0% by the end of the year. On the first Friday of every month, the US Labor Department announces the unemployment rate for the previous month. This is probably the most reported piece of data that is widely used to be the single best indicator of labor market strength. Behind these single statistics are several million people. Each of the people that are unemployed is unemployed for their own reason. Some of them are young people, looking for their first job, older workers, who may have been laid off due to downsizing or they just quit voluntarily. Some of these people will be recalled after a short layoff, while others will end up with a new job.
How long will most be unemployed?
During the early 90's the average time to be unemployed was about five weeks. This figure jumped with the onset of the 1990 recession and rose to nine weeks by the end of 1993. During the early months of 1998, when the economy was booming the unemployment rate was still seven weeks. Is this a surprise to you, it may because the unemployment rate was only 4.1%.
In conclusion unemployment rates are at a rise since the early 1990's, with large companies downsizing trying to save money and the smaller business not hiring for the same reason. While you are at home looking for a job or filling out the different applications you can start your own online business. If you decide to start your own online business then you will be out of that unemployed status and you will be able to be a successful business person in the comfort of your own home.
John Fagan is a top internet marketer who works with industry leaders from around the world. He has a passion for helping others achieve their goals, dreams and aspirations. To learn more about John Fagan and his team Click Here.
Being unemployed can leave you with plenty of financial problems - the biggest being the need for cash to pay your bills.? That's why more and more unemployed workers are turning to unemployed loans.?
There are plenty of companies that offer loans for the unemployed, but are they really worth it?? Before you apply for any unemployment loans, ask yourself these 5 questions: ?
1. ?Are unemployment loans really necessary?
For unemployed workers who are running out of cash, it can be awfully tempting to take advantage of a loan offer, but do you really need it?? Remember, you'll have to pay the loan back, and if it takes you a long time to find another job, repaying your unemployed loans can become difficult - if not impossible.?
Before you take out any loans for the unemployed, make sure it's a last resort.? Being unemployed is tough enough; you don't want to wind up with debt that you can't pay off. ?
2. ?Do you know what you're getting with unemployment loans??
There are several different loans available for unemployed workers, but the most common are similar to payday loans.? Payday loans are a cash advance on your next paycheck; once you get paid, you repay the loan.?
With unemployed loans, they're treated as a cash advance on your next unemployment benefits check. ?Once you get your benefits check, you have to pay back the loan.? If your benefits check isn't worth much, your unemployed loans won't be worth much, either.?
3. ?Are you prepared to use your house as collateral??
If you don't want a payday-type loan, there are secured loans for the unemployed.? To get one of these loans, you have to put your home up as collateral.? You should only consider these types of unemployment loans if you're positive that you will be able to pay off the loan.? Otherwise, you'll lose your house. ?It's a scary proposition for many unemployed workers.
4. ?Are you willing to pay very high interest rates?
If you don't have a home to use as collateral, you may still be able to get an unsecured loan.? Unsecured loans for the unemployed come with very high interest rates, because you do not have any income or property to use as collateral.? Not only will you have to pay back your loan, but you'll have to pay off big-time interest. ?
5. ?Do you know someone who's willing to co-sign on your unemployment loans? ?
Many loans for the unemployed come with one big condition - that you have someone with a steady job co-sign.? However, even with a co-signer, it can be difficult to get approved.? And, if you can't pay back your loan, your co-signer will be on the hook.
Being unemployed can be the most difficult time of your life. That's why FileUnemployment.com was created - to make things easier. Whether you need to file for unemployment, need help with your job search, or need information on unemployment benefits, FileUnemployment.com is your one-stop unemployment resource!
There have been a lot of arguments against debts as being a very insecure situation. They are denounced as having many repercussions which penetrate a person's social, moral, individual, family level. This is true to some extent. I can say this because you are looking for debt consolidation. You are in debt and of course overwhelmed by it. But a debt consolidation loan for unemployed is exactly what you need when you are confronted by a volley of loans.
Paying interest each month on various loans implies extra burden on finances. Being unemployed your financial position is unyielding. Debt consolidation for unemployed is primarily lower interest loan. Debt consolidation for unemployed merges various loans into a single consolidated loan. Unemployed make single payment each month which pays for the various unpaid debts. The monthly payment with unemployed debt consolidation is also lower therefore making it easier for you to meet financial demands each month. With unemployed debt consolidation you deal with only one loan lender therefore, money management also becomes easier.
Unemployed debt consolidation works extremely advantageously for consolidation of credit card loans, unsecured loans, auto loans, educational loans, home equity loans etc. Debt consolidation for unemployed is accessible in both its secured and unsecured forms. This seems like a jargon? It is considerably easily to understand.
Unemployed unsecured debt consolidation involves no security. With its secured equivalent security is requisite. Security can be your car title, your home, real estate or any valuable asset. Homeowner unemployed debt consolidation entails your home as security. It comes with many benefits. A homeowner debt consolidation for unemployed gets approved for higher amounts; the interest rates are comparatively lower. The amount that can be borrowed is from £5,000-£75,000. If the equity in your property sanctions, the unemployed debt consolidation amount can be much higher - up to 125% of your home value. The repayment can be extended from 5-25 years depending on the amount borrowed.
Unsecured debt consolidation for unemployed is meant for tenants with no security to place. Unemployed homeowners not very keen to place their home as collateral, can also get for unsecured unemployed debt consolidation. Unemployed can borrow amount from £500-£25000 for debt consolidation. In addition to getting more control over finances debt consolidation for unemployed come with added benefits of discount, short repayment term and flexibility with respect to repayment.
If you have poor credit rating, unemployed debt consolidation can help bettering it. Being steady with debt consolidation and making regular payments will show a resolve to making improvement on financial situation. No late payments with unemployed debt consolidation will show in your credit report and gradually improve credit.
Unemployed can hope to eliminate their debts in orderly fashion with debt consolidation. However, an unemployed borrower must look for lower interest rates and not just lower monthly cost. If low interest rates are coupled with low monthly payment then debt consolidation makes great sense for unemployed people. Unemployed debt consolidation can save you from filing from bankruptcy.
Also, you might be leading yourself to financial disaster if even after debt consolidation, you make no efforts to manage your money. Going back to your credit card and multiple debt ways is like a slow financial suicide. Management of money is a must after debt consolidation for unemployed. Stop using your credit cards if you want to make any progress with unemployed debt consolidation. If debt condition is very poor then an unemployed should look for debt counseling before getting debt consolidation loan.
Shop around and research. Look for better rates and terms available for unemployed. Being hasty with unemployed debt consolidation might make you an easy target of predatory lending.
Not all your debt problems will vanish in thin air. But gradually you will see how finances see a new light during unemployment with debt consolidation for unemployed. You are not only improving money status but changing your standard of living for the better. Isn't peace of mind the most desirable thing in ones mind? You are unemployed and peace of mind is nowhere near you. This is your once chance to get that. This is your chance - unemployed debt consolidation.
Scarlette started on a horse back and had a few falls herself. Therefore, she knows. Financial decisions are to be made after considerable thought and backed by good financial understanding. Her articles might introduce you to financial sense without any falls. She suffers from no injuries now. To find all types of lonas for unemployed UK Residents please visit http://www.loansforunemployed.co.uk
Full name of the author - Scarlette Riley
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Unemployment is an awful situation. An individual can experience at a time in its prime. Such a situation is financial tense enough to support a family without sufficient income. However, in the UK unemployed individuals are eligible for loans to handle such situations. Lenders have provisions of unsecured unemployed loans. These money offers provide sufficient money to meet individuals' day-to-day expenses. Thereupon, lenders are also more lenient regarding the repayment configuration. Such unemployed loans are laid out to aid unemployed individuals to make a new start in life.
Though unsecured unemployed loans are not easily available but such loans are often considered as a bad credit case. Since an unemployed person does not have a stable source of income, it is dependent on the unemployment benefit or to dole out these offers. The amount is sufficient to meet any range of expenses. It will be not enough to utilise to make loan repayment.
Unemployment benefits are typically available only to workers who lost their jobs through no fault of their own. You generally can not get benefits if you were fired for cause or voluntarily quit your job. If the facts are in dispute, though, go ahead and file; you can always argue your case, and you will have a chance to appeal if the unemployment office decides against you.
Moreover, student can take the best benefits of unsecured unemployment loans. A recent statistic mask suggests that unemployed people are more worried about their debt than about any other situation. These money provisions help student to get a good amount of money for their studies.
For, unsecured unemployment loans you do not need to place collateral as security for the loan. And terms and conditions for the loan repayment are made so feasible that more and more people can take its benefit. The sources like income support, disability living allowances, and benefits or redundancy pay can fill in the void for the repayment term in case of unsecured unemployment loans. The lender can be obviously satisfied through these options.
In nutshell, an unemployed person is always wary of putting his fixed assets as collateral to secure funds. Huge competition in the loan market has opened the gateway for acquiring unsecured unemployment loans. It is offered more flexible terms so that every person can avail its benefits. The good point about the unsecured unemployment loans is its flexibility in terms of loan repayment. The lenders do not charge a penalty if the borrower fails to follow the repayment schedule.
Jason Will is an expert in finance planning. He is currently working with loans for unemployed people as a financial advisor.To find unemployed loans, unemployed cash loans, loans for unemployed you need to visit http://www.loansforunemployedpeople.co.uk
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Oh okay! So you are the one who did not get pay back the loans. And you are the one who is unemployed...Let me get this straight you are an unemployed student with unpaid debts? You are searching for loans? The idea of new loan does not seem such a good idea. You bet it isn't, unless it is debt consolidation loan for unemployed student.
The cost of education is touching new heights. This has made compulsory for students to take loans. Making repayments is easier said than done especially when student is unemployed. Separate payments on two or more loans are like counting bills all the time without much success. This makes debt consolidation all the more important for unemployed.
Unemployed Student loan consolidation works on similar terms as any ordinary consolidation. Debt consolidation loan will combine various loans into single consolidated loan. This loan takes care of various debts. Unemployed student with one loan to be paid in 5 years and another in 10 years or so will have one debt consolidation loan and instead of different interest rates like fixed on one and variable on another, a single loan structure will decide for all loans.
Depending on the loan amount and availability of collateral unemployed student can apply for secured or unsecured debt consolidation. For smaller amounts that are below £25,000, unemployed can apply for unsecured debt consolidation. No collateral and easy repayments for terms extending from 5-10 years. With secured debt consolidation, unemployed student gets to make use of property like automobile and real estate. Secured debt consolidation enable unemployed student to borrow larger amounts like £25,000-£75,000 and above. Repayment terms for secured unemployed debt consolidation will be 10-30 years. Secured will offer comparatively lower interest rates than unsecured counterpart.
As a rule interest rates are reduced with debt consolidation. Without that debt consolidation makes no sense. An unemployed student needs to carefully see that the cumulative interest rate on different loans is higher than the interest rates on debt consolidation loan. Many debt consolidation hopefuls neglect the interest rates and concentrate on lower monthly payments. Monthly payments extended over longer loan term will always result in lower payments. An unemployed should be careful to carefully calculate the monthly repayments and see you are not paying more. Online tools like loan calculator can help you in doing that.
Debt consolidation for student enables unemployed to fill in for the time when you start earning. Lowering monthly payments will be very helpful especially while you are looking for job. With debt consolidation, a student will see that at least one area has become manageable. One monthly payments payment will seem to end payment chaos. With one lender to deal with, it will keep harassment from other lenders at bay.
Unemployed student will have to search for new loan lender who works advantageously in consolidating loans like education loan, student loan, credit card bills or any utility bills. Searching for a respectable lender for debt consolidation is crucial for an unemployed borrower. High upfront free, high consolidation fee, redemption fee, lender insisting extending loan term - are few of the reasons why you need to look for more lenders. Always ask for quotes and ask questions about things that are not clear to you. And move ahead with lender if you are satisfied. Often unemployed student just stop at interest rates. Look for other debt consolidation policies and interest rates for the entire loan term. Check for discounts and benefits for unemployed student.
An unemployed student should not live under the illusion that debt consolidation will reduce debts. Your debts will remain there; debt consolidation will make it possible for unemployed student to payback these loans.
Students usually have this twin burden of unemployment and loans. Knowing you don't have the best partners to boast of debt consolidation is a good way to tackle debts while you deal with the other. The person with the worst credit condition can find loans at low interest rates. You are just an unemployed student with a few unpaid debts. Your decision to consolidate can negate debt from having an effect on your progress. This is crucial! Especially when so many things, including your job situation, depend on how well you have performed with debts.
Scarlette started on a horse back and had a few falls herself. Therefore, she knows. Financial decisions are to be made after considerable thought and backed by good financial understanding. Her articles might introduce you to financial sense without any falls. She suffers from no injuries now. To find all types of loans for unemployed UK Residents Please visit http://www.loansforunemployed.co.uk
For many unemployed workers, being unemployed is the toughest time of their lives. It seems like being unemployed means dealing with constant pressure - how to pay the bills, where to find another job, and how to keep yourself from falling into the pitfalls of unemployment depression or anxiety.
While being unemployed is only a temporary setback, there are several free skills that all unemployed workers should learn. These 6 skills can help you get through the stress of being unemployed, and they can even come in handy once you get a new job and you're back on your feet:
1. How to create a great portfolio
If nothing else, being unemployed gives you the chance to get all of your professional accomplishments together and create a great portfolio that will make you stand out to future employers. No matter what industry you're in, all unemployed workers should take some time to brainstorm everything that makes you marketable, and what you can bring to the table for a future employer. As an added benefit, a great portfolio will help you years down the road, when you're looking for new job opportunities.
2. How to network
Whether it's impressing someone over the phone, or getting to know people in person, networking is what turns many unemployed workers into gainfully employed professionals. Plus, networking is a skill that will always be vitally important. Even after you get a new job, the right networking can get you an even better opportunity.
3. How to keep your skills sharp
Being unemployed comes with a difficult challenge - how to keep your skills sharp, even though you're not working every day. If you are one of the millions of unemployed workers out there, it is up to you to keep yourself current on news and trends related to our industry. Always be on the lookout for free conferences or cheap classes in your area that can help you stay sharp.
4. How to consolidate debt
It's something that many unemployed workers have never had to deal with before. However, if you talk to your creditors before you fall behind, they will likely be much more willing to work with you. And who knows? Money skills like those may be a valuable asset at your next job!
5. How to be more energy efficient
Being unemployed gives you some time to learn about ways to save money around your home. And, as an added benefit, cutting your energy costs is something that will come in handy once you're gainfully employed again!
6. How to motivate yourself
For many unemployed workers, being unemployed presents them with a challenge to see what they're really made of. To survive being unemployed, you will have to move yourself forward, instead of focusing on the past. You will have to deal with tough situations without crumbling. You may be surprised to find out what you're capable of!
Do you need help moving forward? Many unemployed workers do. That's why FileUnemployment.com was created - to make things a little easier. Whether you need help filing for unemployment, looking for a job, or dealing with the stresses of being unemployed, FileUnemployment.com is your one-stop unemployment resource.
When you've lost your job, academic discussions of the unemployment rate and economic trends may have little appeal. You just want to get back to work! But an understanding of the larger forces at work may help you to plan your future. For example, if you have been recently laid off from your manufacturing job, you may want to get trained in a new career rather than wait around for another manufacturing job that may never come.
Ways To Measure Employment
We hear on the news that the U.S. unemployment rate is hovering near ten percent. This is considered very high. Historically in the U.S., the unemployment rate hovers around five percent-about half as much. In reality, the ten percent rate means that in the spring of 2010 there were about 6.1 million Americans who were classified as "long-term unemployed," that is, people who were out of work for longer than 27 weeks. But this figure does not include the millions more who are "underemployed" (working a part-time or low-paying job because nothing else was available) and those who want work but have given up looking. It also does not count those adults who are outside of the labor force, and have no job and are not looking for one. Many of these people are going to school, are retired, have family responsibilities, or have a physical or mental disability. Some simply elect not to work, preferring to be dependent on society for survival.
There are many ways to calculate the unemployment rate. Unemployed workers are typically defined as those who are currently not working but are both willing and able to work for pay, currently available to work, and have actively searched for work. The unemployment rate is expressed as a percentage, and is calculated as follows:
Unemployment rate = Unemployed workers / Total labor force
Some ways to calculate how many people are unemployed include:
? Social insurance statistics are computed based on the number of persons collecting unemployment benefits. This method has been criticized because the long-term unemployed drop off the unemployment rolls and are no longer counted.
? Labor force sample surveys capture the most complete and comprehensive results and enable calculation of unemployment by different group categories such as race and gender.
? Public polling asks a random sample of people about their job status. The Current Population Survey (CPS), or Household Survey, is conducted by the United States Census Bureau and the Bureau of Labor Statistics. The survey gathers employment statistics monthly based on a sample of 60,000 households.
? Official estimates are generated by a using a combination of data derived from one or more of the aforementioned methods.
What Creates Unemployment?
Discounting those people who choose not to seek employment, in modern industrialized nations it has been a historical reality that there is always some level of unemployment-that is, there are always some people who are seeking jobs. But there are several powerful forces that can create fluctuations in unemployment.
1. Technology shifts. As recently as a few years ago, DVD rental companies like Blockbuster were growing and thriving because they capitalized on what was at the time an exciting new technology: movies on DVD that you could play at home. Now many of these same companies face layoffs and even bankruptcy because the technology is outdated.
2. Recession. Even well-managed companies are vulnerable to larger economic downturns. A company that produces the best widgets in the world will suffer if their customers can no longer afford to buy them.
3. External events. The U.S. airline industry is a classic example of an industry hammered by external events. The terrorist attacks of September 11 shut down the entire industry for a week, and the resulting security measures and fuel prices drove up costs in what was already a cost-heavy business.
4. Competition. The U.S. auto industry failed to keep up with foreign competitors who were focused on quality and had lower cost structures. If you are a Detroit auto worker, you know that the auto business may recover, but it will never be the same as it was in 1980. If you can get training for another career field, it might be a good idea.
How long will this period of high unemployment last? No one knows for sure, but history has proven that business runs in cycles-whatever goes up must eventually come up down again.
ConsumerFinanceReport.com features an extensive article library covering a wide range of personal finance issues and topics, such as the article on factors that raise unemployment Rates. Additional sections include advice on how consumers can best pay off debt.
There is a connection between economic growth and unemployment. There is a connection between growth and inflation. Therefore, commonsense (and financial theory) goes, there must be a connection between inflation and unemployment. A special measure of this connection is the Non Accelerating Inflation Rate of Unemployment (NAIRU). Supposedly, this is the rate of unemployment which still does not influence inflation. If unemployment goes below NAIRU, inflationary pressures begin to exert themselves.
This is closely linked to the other concepts, those of "structural", "frictional" and "conjectural or cyclical" unemployment types.
Some unemployment, the theory, goes is frictional. It is the inevitable result of a few processes:
Labour Mobility - People move from one job to another, either because they are fired or because they seek to improve their lot. In the intervening period between leaving an old workplace and finding another, they are unemployed.
Labour Force Expansion - Every year there are new entrants to the labour market. Generations mature and are ripe to be part of the labour force. Until they find their first job - these new participants are unemployed.
Seasonal and Part Time Employment - Some professions are seasonal by their nature (a hotel in a resort hotel, for instance). These workers join the ranks of the unemployed at certain times and desert them seasonally. Other workers prefer to work part time or in the "Grey" or "Black" economy. They go unreported or report themselves as unemployed, thus distorting the true picture of unemployment.
The frictional type of unemployment is a sign of economic health. It indicates a dynamic economy in fast development. It is a sign of labour mobility, of labour flexibility (part time solutions and flexitime) and of labour adaptability. This cannot be said about the second, more insidious, type, the structural unemployment. It is this kind of unemployment which really bothers governments and worries social planners. It has long term psychological and social effects and limits both economic growth and social cohesion. It is also the most difficult to battle.
Usually, it is the result of ingrained, long term and structural processes and changes in the economy and cannot be fought with artificial one-time measure (employment initiated by the state or fiscal stimulus intended to encourage employment). Among the factors which create it:
Technological change - new professions are created, old ones lose their lustre and, ultimately, their place in the economy. New professions, connected to new technologies, emerge. Some workers can be retrained but even this takes time (in which they might, technically, be defined as unemployed). Others cannot be retrained and they join the ranks of the long term unemployed, swelling structural unemployment.
Changes in Consumer Preferences - Fashions change, mass consumption patterns alter, emphases on certain goods and services shift. Today's hot item is tomorrow's dead one. Whole industries can and are effected by these tectonic shifts.
Globalization and Cross Border Labour Mobility - Labour mobility is intentionally encouraged, the world over. Economic unions and trade pacts include social or labour chapters. The most notable example is NAFTA which created hundreds of thousands of new jobs in Mexico and in the USA. As companies go multinational, as production processes become global, as services and goods are exported and imported within a rising tide of international trade, as international brands develop - the biggest restructuring of labour markets is taking place across the globe in rich and poor countries alike. Consider the clear erosion of the power of the trade unions or the cheap labour available in Central and Eastern Europe and in parts of Southeast Asia. These cause jobs (even skilled ones) to be reallocated across political borders.
Skill Acquisition Failure - People who failed to acquire the minimum education necessary to participate in today's workforce (secondary high school) are doomed to be permanently unemployed or part time employed. School dropouts form a large part of the structural unemployment in many countries. In countries which are in the process of shifting from one economic system to another, even those with the right formal education are made redundant and useless by the new paradigm. Think about a professor of economy who studied and taught Marxist economy from the wrong textbooks - he is quite useless in a capitalist market economy and might find himself unemployed despite his high education.
The last, benign, type of unemployment is the cyclical one. It is the result of the natural business cycle (at least natural to capitalism) and of the ebb and tide of aggregate demand for workers which is a result of these cycles. This is considered to be an unavoidable side effect of market economy. The pain of the laid off workers can be ameliorated (through the introduction of unemployment benefits) but the solution comes from sorting out the cycle itself and not by attacking the unemployment issue in an isolated artificial manner.
The "Natural Rate of Employment" takes into account that frictional and structural employment must exist. What is left is really the full employment rate. This is highly misleading. First, economists are forced to rely on government data which, normally, tend to underestimate and understate the problem. For example: the statistics ignore "discouraged workers" (those who despaired and stopped looking for work). A second, more philosophical issue, is that, as opposed to frictional unemployment, which is a welcome sign, structural unemployment is not and must be fiercely fought by the state. But Economy give Politics a legitimacy to ignore structural unemployment as a part of life.
But the third problem is the most pressing: what is the "natural" rate of unemployment and how should it be determined? This is where NAIRU came in: the natural rate of unemployment could be construed as that rate of unemployment which prevented bad economic effects, such as inflation. In the USA this was estimated to be 5-6%. But this estimate was based on a long history of labour and inflation statistics. History proved the wrong guide in this case: the world has changed. Globalization, technological innovation, growing free international trade, growth in productivity, electronic money, the massive move to the "Third Wave" (Information and knowledge) industries - all this meant that inflationary pressures could be exported or absorbed and the employment could go much higher without fostering them. This became part of a new paradigm in economy which proclaimed the death of the business cycle and of the inflationary boom-bust phases. Though exaggerated and probably untrue, the "New Paradigm" did predict that productivity will grow, inflation will remain subdued, unemployment will decrease drastically and the prices of financial assets will explode - all simultaneously (which was considered hitherto impossible). The unemployment rate in the USA has stayed well below 5% and there are still no sign of inflation. This is remarkable (though probably short lived. Inflation will pick up there and the world over starting in 1998).
And what about Macedonia? It is one of a group of countries in transition that suffered an unprecedented series of external shocks separation from a Federation, the loss of virtually all export markets, economic siege, monetary instability, a collapse of the financial system, and, lately, interethnic tensions. Small wonder that it endured an outlandish (official) rate of unemployment (more than one third of the active workforce). Granted, the real unemployment rate is probably lower (many workers in the black economy go unreported) - still, these are daunting figures.
Is this a structural or frictional or cyclical unemployment? It is tempting to say that it is structural. It seems to be the result of trying to adapt to a brave new world: new technologies, new determinants of survival, new market mechanisms, the need for a set of completely new skills and new consumer preferences. But a closer analysis will yield a different picture: most of the unemployment in Macedonia (and in countries in transition in general) is cyclical and frictional. It is the result of massive layoffs which, in themselves, are the results of efficiency and productivity drives. It is not that the workforce is ill adapted to cope with the new, post-transition situation. The composition of skills is well balanced, the education, in some respects, better than in the West, labour mobility is enforced by the cruelty of the new labour markets, the pay is low and is likely to remain so (wage pressures don't go well with high unemployment). The workforce has adapted wondrously.
The failures belong to the management levels and, above all, to the political echelons. Unwilling to adapt, eager to make a quick (personal) buck, entrenched in cosy offices and old ways of thinking, more interested in their perks that in anything else, not educated in the new ways of the markets - they led themselves and their workers (=their voters) to the unemployment swamp. This unfortunate condition was avoidable.
There is no reason to assume that structural unemployment in Macedonia should be much higher than in Germany. The relative sizes and richness of the two economies is not relevant to this discussion. What is relevant is that labour in Macedonia is by far more mobile than in Germany, that it is paid much less, that it is, therefore, relatively more productive, that it is better educated, that both countries suffered external shocks (Germany the unification, Macedonia the transition), that both countries are macro-economically stable, that Macedonia has real natural and human endowments. By certain measures and theoretic formulas, the structural unemployment in Macedonia should be circa 9%, the frictional unemployment (the business cycle is turning up strongly so cyclical unemployment is bound to go down) contributing another 5%. The natural unemployment rate is, therefore, circa 15%.
Moreover, Macedonia is in the rare and enviable position of not having to worry about inflation or wage pressures. Even much higher employment will not create wage pressures. Only the most skilled workers will possess the ability to dictate their own wages and, even then, we are talking about ridiculous wages in Western terms. There is so much competition for every vacancy ("an employers' market") that the likelihood of demanding (and getting) higher wages (and, thus, generating inflationary pressures is all but non-existent). So NAIRU in Macedonian terms is an abstract notion with no applicability. Every additional percent of permanent employment in the West entails 2-3 as much in economic (GDP) growth. Macedonia has to grow by 10% and more annually to reduce the level of unemployment to 15% in 5 years (taking additions to the workforce into account). This is doable: Macedonia starts from such a low base that it would take little effort to achieve this kind of growth (to add 300 million USD to the GDP annually=3 months exports at today's rate).
But this rate of unemployment can be achieved only with the right policy decisions on the state level - and the right management cadre to take advantage of these decisions and of the thrilling new vistas of the global market scene. It is here that Macedonia is lacking - it is here that it should concentrate its efforts.
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