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Y ou r V oi c e . Y ou r C om m u n i t y . Y ou r N e w s !

The History Of Thanksgiving Volume 3 Issue No. 11

Serving the Inland Empire and High Desert Communites

Most families throughout the United States celebrate Thanksgiving day but many do not know the history. History is important, it is important for us and our children to understand and appreciate the significance of the holidays that we celebrate. Thanksgiving day, like 4th of July, Veteran’s Day, Presidents Day, Martin Luther King Day and Memorial Day are not only just holidays but have a significance and meaning to our country. One of the first Thanksgiving celebrations was said to be in 1621 when the Plymouth colonists and Wampanoag Indians had a harvest feast. To understand the entire history we have to go back a bit more to the colonists that came to the United States on the Mayflower in 1620. In 1620 the Mayflower, a small ship, arrived to the United States near Cape Cod after approximately 66 days of travel. There was 102 passengers aboard this ship, these were people coming to this land with the hopes of freedom of religion, prosperity and land ownership. A month later they traveled to a place called Plymouth near the SouthEast corner of Massachusetts. These Pilgrims had high hopes but were ill prepared for the treacherous weather and their lack of knowledge of the land in which they were settling in. Many of these people, who we now refer to as Pilgrims, stood aboard the

November 2012

ship because of the very cold weather. More than half died because of the weather or because of contagious disease and/or exposure to the elements. When spring came the remaining Pilgrims were paid a visit by a Abenaki Indian who spoke English, days later this Native American brought a man named Squanto, who was from the Pawtuxet tribe. Squanto had previously been held captive and sold as a slave by an English Captain but had since escaped to safety and returned to his homeland. Squanto was a kind man, he taught the weak and ill Pilgrims how to grow crops, catch fish and even which poisonous plants should be avoided. He also helped form an alliance between the Pilgrims and a local tribe called the Wampanoag tribe. In November 1621, after the first successful corn harvest, the then Governor organized a feast to celebrate and invited many of their Native American allies to celebrate with them. According to the journals of chronicler Edward Winslow the native Americans came with five deer and four men were sent out on a fowling mission in preparation for the celebration. This “Thanksgiving” feast and celebration lasted three days! This is what we now consider the first Thanksgiving.

Songwriter's Workshop Songwriting Workshop for Beginners, by Musician, Songwriter, Jeff McCarty “Everyone has the ability to write great songs.” Starting Wednesday Nov. 14 (7­8 PM) for five weeks, at the Diamond Bar Center in the City of Diamond Bar, Jeff McCarty will present a “Songwriting Workshop” for Youths and Adults. The first session is free. If you’ve been thinking about getting started with song writing, have an idea to develop, or just want a special Holiday Creation, this may be the workshop you’ve been waiting for. Jeff McCarty says he will start you from nothing to completion in just a few sessions. The result will be a professional copyright of your song idea. Workshop attendees will get professional guidance using tried and true tools of the music industry. Participants will learn to develop their rough ideas quickly into a completed song. The class will guide students with clear, logical and fun step­by­step processes, from the very basics of putting a song together, to highly advanced song techniques. Jeff states, “I started helping beginners develop song ideas thirty years ago. I have learned that everyone has the ability to write songs, and many

"25TH Dimension Of Fashion Fantasies"

have several great songs in them. They simply need help getting them out. “I designed this class to cover skills and techniques to release songs just waiting to burst forth”, says Jeff. Learn the art of “Musical Improv” for extreme songwriting. Jeff will actually demonstrate composing spontaneously just from audience suggestions. Students are encouraged to sing and bring their instruments. Space is limited so Students are encouraged to sign up immediately. Turn your ideas into gold. Make it happen quickly and easily! Jeff McCarty has been writing, performing, teaching, and directing music for over three decades. He has performed and toured with household names in the music industry. Jeff graduated from CSULA with a degree in Music Education, He holds a Masters in Education and is a Credentialed Education Specialist. Classes begin on Wednesday, November 14, 2012 (first session free­ five week workshop) Last class­December12, 2012. Advance reservations strongly recommended. For more information or to register: Visit: and follow the links to reserve a place.Email: Diamond Bar Call: (626)512­2744 Center: 1600 Grand Ave., Diamond Bar, CA 91765

Ms. Smith’s X­Cessories­N­Things Inc. Clears the Way for The Silver Lining Catwalk Just when you thought it was safe to go on the runway, Ms. Smith’s X­Cessories­N­Things does it again. The 25th Annual X­Cessories­N­Things Fashion Dinner Drama Extravaganza is set for Sunday, December 2, 2012, from 2:00­6:00P.M. at the Beautiful Upscale Village @Indian Hill Pomona Mall #31469 Holt Ave, Pomona, CA. Advance tickets are $50.00 and $60.00 at the door. As is evidenced this boutique with a humble beginning established in 1987 in a janitors closet has grown thru the 25 years from having three clothing stores from Victorville to Pomona but; with the poor economy they merged to the location 743 Indian Hill Blvd. Pomona. Down thru these 25 years Helen Smith­Draper can recall a number of her loyal customers who has continually patronized her for those beautiful one­of­a­kind fashions and accessories that demanded attention, with flair, class and

style. To show her appreciation, gratitude’s and kudu’s Helen will be sending a Luxury Limousine to their homes to chaffer them to the Silver Lining celebration.The proprietor Helen Smith­Draper knows no bounds even thru tuff economic times, hardships and struggling businesses, that behind every dark cloud is a Silver Lining, and she looks for the Rainbow that follows. She’s going from the Runway to the Cat walk. Smith­Draper has produced such blockbusters as The Designer’s Closet, A Picture is Worth a 1000 Words, Fire & Ice Showcase, The Silver & Gold Showcase , Spectacular Fashions Worlds Apart, and Nothin’ Nu Under the Sun, to name a few. “An original is hard to find,” says Smith­ Draper. “But I don’t stop until I do, and this year’s find will amaze you” Those stunning X­ Cessories gorgeous ladies, handsome gents and vibrant youth models are bringing it on, with an

evening full of exotic colors and fashions, live entertainment, dramatic vignettes, a sumptuous dinner, and lots of surprises. Smith­Draper has been dubbed the “fashion philanthropist by the community­at­large. Over the years Helen has received many outstanding awards for her community, volunteer work and accomplishments, including the City of Pomona, declaring November 6, 2005 the Helen Smith­ Draper Day, and 2011 she was awarded an Honorary Doctor of Theology Degree from Next Dimension Bible College, Ontario, CA for her Business and Community work. She and husband Joe also established 3 years ago the J&J BBQ &Fish Restaurant, in Pomona to try their hand as an equal Opportunity employee in the food industry. They have served dutifully at their home church, Antioch M.B.C in Pomona, and she has been instrumental in launching the careers of aspiring youth. Each

year choreographer Luanna Laurence, from Panache Modeling Troupe, Kimi Bingham and Co­ Owner of X­Cessories Brittiany Walker prepares the X­Cessories’s Modeling Troupe and selected models from the SJFP Model Workshop to walk the Catwalk. During this event, two deserving fashions design students will become recipients of the 2012 Stephanie Johnson Fashion Plate (SJFP) scholarship. The award was established in honor of Johnson­ former X­Cessories model and intern—who lost her life at an early age as she aspired toward her goal in becoming a fashion designer. Smith­Draper says, “This is my way of keeping Stephanie’s dream alive. Log on to nplatescholarship For more information, call (909) 865­0812


November 2012


How To Use a WordPress Blog To Enhance Traffic To Your Website By Prashant Kumar

WordPress blog can be installed easily in any website and it can be used to drive traffic by writing useful posts that contain relevant information and relevant business key phrases. As we use a blog in our websites to update our prospective and existing customers about our products and services, we can also use it strategically to enhance traffic to our websites. WordPress blog is very easy to install in your website. You or your web designer can customize it as per your specific needs. The WordPress admin interface is so handy to use that it hardly takes few minutes to write and publish a new post. But it is important to know how to use your blog for search engine optimization and to drive traffic to your website.

Four important things you need to show on your blog are recent posts, archives, categories and comments. Every new post you generate through the WordPress admin must be done strategically as search engines consider it as a new page on your website with a distinct link. Hence, it is vital to understand the importance of the title you select for your blog post. You can easily customize the titles of the posts in WordPress blog in a way that only title comes in the new post link and not the date or category of posts. You can even include business key phrases in the title of the post. For this, you must write a post that contains useful information on the services or products you want to promote. Title must be selected accordingly. As it is not easy to update content on your website regularly, writing new posts serve that purpose. You can

target new keywords through the blog posts. What you need to do is to write relevant content including these keywords and link them with the appropriate page of the website. It serves dual purpose. First, you help your customers to know more about the services you provide and second, you make search engines to see the appropriate interlinking with targeted keywords on your website. You can also target long tail keywords through blog posts as it is not easy to target these keywords through main pages of your website. This way you can drive traffic to your website through WordPress blog. Try a WordPress blog to drive traffic to your website through strategic writing in your posts and to keep your targeted customers updated through relevant information about your products and services.

Create Impressive Website Design with CSS3 By: Ricky Fill

Getting creative with CSS3足CSS3 is used in organizing the style and layout of Web pages. It is the latest standard in the CSS series. CSS3 offers a wide variety of new trends to make an impact with your web designs. With many exciting new functions and features, CSS can be used as a powerful tool in website designing and development. A CSS3 refers to the technical stipulation of a layout. It ensures that a web page will appear precisely the way the website developer has specified. As a website designer we have to look into the capabilities of CSS3 and need to make the most of it. The basic approach of CSS3 in web designing is to make the web page user friendly by removing loads of complications from it. The changes that CSS3 has brought into the website development market are quite amazing. Using CSS3 can speed up the process of website design and development and also speed up your web site. Using CSS3 to your Advantage足Keep all the things side apart, here are some advantages of CSS3 for you: 1. Better search engine results: With CSS3, you can keep your HTML code much cleaner

which in turn helps search engine crawler in getting the real content from your site very easily. You can also put any content anywhere in your web page and no longer each individual page have to be simplified to replicate the new style. By using this website design technique you will make much greater consistency throughout the site easily. 2. Lightweight coding: In the field of website development, no one likes to wait for anything to come. This condition also applies in loading of web pages. When a website page takes a lot of time to load, generally users leave that page. By using CSS3, web pages can be made lighter which will allow the site to load faster. As table layout format is not used in CSS3, the sites acquire less memory and load faster. 3. Accessibility and usability: In website designing you have to make it understandable that the content of the site must be validated in all formats of the browsers. A web designer has better control over a website by using CSS3. CSS3 allows for more compatible style elements, including font size and line heights through which web pages can be used more easily by people with disabilities. Website developers can craft specific CSS files especially for printing, or mobile devices, as well as the customary computer screen and in

doing so making websites fully multimedia applications. 4. Isolation and Differentiation: With the introduction of the CSS3 format, website designers have a lot to offer in development of a web page. CSS3 allows changes and modifications to be made in individual modules. CSS3 format helps users in separating presentation from structures. In this technique, style sheets defined presentational characteristics whereas the document structures were defined in separate heading. This eases the maintenance of the web page in efficient and comfortable manner. When you start styling your content with CSS3 modules, you will probably never want to go back to using the old tags for styling. You must use CSS3 to determine its full potential. Flexibility is the most useful features of using Cascading Style Sheets. One of the important things you require to gaze at before using this technique is what browsers the greater part of your users uses to visit your website. The reason behind this question is that it sometimes may be very difficult to make your CSS sprites friendly with many of the browsers depending on the techniques you use.

Search Engine Marketing: Is It For Your Business? By Pramod K Gupta

The marketing strategy of any business has a products can nosedive and the lesser products lot to do with its success or failure. The best can scale great heights just because of a great marketing strategy. On the web, there are lots of people doing business through selling a host of products. In this Internet age, to be successful in any business it is vital to have a web presence. You need the best marketing strategies to market your goods really well on the web. Using affordable search engine marketing is the best way to go about the marketing strategy on the web. Every business works under a set budget. Affordable search engine marketing is the best way to go about the entire thing. If you have a web presence for your business, then you must make all efforts to tell everyone all about your site. How can anyone know if you do not tell them something about your business and its website? For promoting your site on the web, you can try search engine optimization. In search engine marketing you can commence pay per click advertising, affiliate marketing programs, Internet marketing and content optimization and management. There are some ethical and unethical methods that can be used for promotion. It is up to you to decide what measures you want to adopt for popularizing your business. It all boils down to adopting the most effective search engine marketing strategy. Online visitors use the help of search engines to find anything online. So you must realize how important it is for your site to rank at the top of major search engines. Before you actually go about starting any

business on the web, you must conduct research properly. Conducting research means that you decide on a budget, decide on the marketing strategy and also find out who the target audience of your product it. Also through the research, find out what marketing strategy is working and what is not working. While choosing your marketing strategy, keep in mind the choice and preference of your target audience. What is the use of any search engine marketing strategy if you are not able to reach out to your prospective clients? Having lots of optimized and relevant content is one affordable search engine marketing strategy that can be very easily adopted and implemented by any business. Content management is the process through which you can add new optimized content to your site. It is a fact that no one will come to see your site, if they do not get what they are looking for in adequate quantity. So make it a point to regularly add new features, pictures and fresh content to your site. Undertaking affordable search engine marketing helps your business in two ways. First of all you can afford the marketing strategy within your limited budget. Secondly you adopted those marketing strategies that are bound to bring positive results to your business. There is a huge competition on the web and adopting affordable search engine marketing is the best way of going about it and coming out on top.

Which One Are You? Ninety­six percent of people allow their circumstances to control their lives. There are three types of people. Which one are you? 1. people who make things happen. 2. People who watch things happen. 3. People who asked “What happened?” When I think about college students, unemployed individuals, stay home moms and the many seniors that are in need of extra income or income that will sustain their lifestyle, I can only encourage them to take a look at MLM companies. The large companies that many of us relied on are gone or not hiring. The one thing that I know for sure is MLM companies are still here and giving individuals the opportunities to earn the income needed if they are willing to roll their sleeves up and work their business, mind you it is your own business. When it comes to MLM, if you offer a product that makes a difference to people, people will buy it again and again, thus you will create residual income. And this income will come to you every month. The keyword here is “consumable” product that makes a difference. I will introduce you to a MLM company that manufacturers over 350 products that are safer for your family, safer for your home and safer for the earth, meaning natural, organic and green products. On top of that you will have people who will look at you and say”hey that is a great business”, “I want to know how I can do what you’re doing” “I want to take it seriously”. That is when you start leveraging and getting a share of all sales made in your team. As Paul J. Getty said: “I would rather have 1% of the effort of

100 people, than 100% of myself”. Start your own MLM business and work hard you will be able to change your lifestyle. Network Marketing business is the only business that gives you free training and free coaching to help you grow your own business. Many people who don’t know the industry think it is about selling products. The main purpose is to train, coach and mentor people to duplicate what is done to make one successful, that creates massive leverage. Besides MLM it’s a brilliant training ground for improving your skills like: communication, leadership, public speaking, presenting, marketing and before you know it you will be training others.The big question I would like to ask is where can a person find a business opportunity that allows an ordinary person (with limited capital) to earn extraordinary income within a few years and achieve freedom of more choices, freedom of time and freedom of your finances? Yes, it true, you need to work at it, it is a business not a job. It is not for everyone. People do quit, but this isn’t any different in other areas of life ­ 90% of people will quit and not take it to the next level, regardless if it is playing guitar, learning languages, sport, business etc. This MLM company is searching for the right people to be a part of the company. People that will share information about their products. It is all about being hungry, being coachable and taking action. If that is you? Let’s talk call me on 909­357­8759 ­ Jackie

Business Alliance Partner

By Ethel Martin­Miller

I thought I would write about what I know and recall about celebrating Thanksgiving Day. First, it is a day when people pray and give thanksgiving to God. It is set aside by many to make a special effort of recognizing their blessings. People thank Him for their family and friends, which has made their lives all the more worthwhile. Thanksgiving Day is filled with family members and close friends enjoying each other, eating and having fun. As I look back and remember some of my wonderful Thanksgiving Days I recall, as a child, the turkey stuffed with my mother’s famous recipe and how she would put a portion of the dressing inside the turkey. Oh my God, it was wonderful! I also remember the big pot of collard greens, candied yams dripping in their own delicious sweet syrup, macaroni cheese, corn bread, and let’s not forget her sweet potato pies and coconut cakes. I can remember a big punch bowl and how my mother would make it so special by chopping fresh cut apples, bananas, and oranges and mix them into the punch. We

would drink the sweet punch and have the fun of eating delicious fruit at the same time. Yes, many of us will have a wonderful Thanksgiving Day, but let’s not forget about the many individuals who will be very lonely or hungry on Thanksgiving Day. We can reach out to them in many different ways, such as maybe an invitation to your home, donating money to one of the many non­profit organizations preparing meals on that day, or donating food to the non­ profit organizations’ food supplies. Another means of making a contribution would be to give a restaurant gift certificate to a deserving person on Thanksgiving Day. If there is division within your family, please take Thanksgiving Day as an opportunity to invite your family members for dinner and mend your family’s relationship. Pride is terrible and has caused many families to remain broken, and so I am in hopes that this Thanksgiving Day can be special and will be the start of new relationships within your family. Happy Thanksgiving Day.

Yes We Can Newspaper Staff

Publisher: Ethel Martin­Miller Managing Editor: Gary Martin Associate Copy Editor: Josephine Williams Associate Copy Editor: Karli Jayde Martin Staff Photographer: Sharron Thompson

Contributing Writers

Jim Hague Jo Anna Payne­Jones Ph.D

To Advertise Contact (909)278­7046

Letters, Articles, Personals replies and comments appearing in the Yes We Can Newspaper reflect the opinions of the writers, and do not constitute an endorsement by the Yes We Can Newspaper or staff. Yes We Can Newspaper assumes no responsibility for articles, letters or press releases and unsolicited material. Decisions as to the editing and publishing of materials are on a space availability basis. All rights are reserved on materials accepted for publication unless otherwise specified.

To Ad ve rti se Wi th U s Ca l l (9 0 9 ) 2 7 8 -7 0 4 6


November 2012

Small Business

Pinterest and Your Small Business Service Brand By Maria Elena Duron

Pinterest is fast becoming one of the most popular social networking sites in the world. More and more brands are using it to effectively promote their products or services within the site. As a small business service brand, would it be worthwhile for you to sign up on Pinterest? Well, it depends. Some small business service brands can be highly successful in promoting their brand on Pinterest, but there are others who may not garner the same success and may be better off promoting their brand elsewhere. So if you’re a brand who’s offering services, not products, should you consider social marketing on Pinterest or not? Here are some things you should think about: 1. Do your services translate well visually? There are certain small businesses that offer services that translate well visually. Photographers, for example, can effectively utilize Pinterest’s virtual pinboard by showcasing their best photos and shots. Wedding coordinators can create pinboards of the weddings they’ve organized, as well as other pictures that inspire them to organize wonderful weddings. These visual displays can help people learn more about your work and determine whether your services fit their requirements. Lawyers, on the other hand, may not be able to promote their brand effectively on Pinterest. Sure they can create boards of the things they love and the things that inspire them, but

it’s not going to let people know how effective they’re going to be in the courtroom. So if the services you’re offering translate well visually, then definitely consider promoting your brand on Pinterest. 2. Is your target audience on Pinterest? Majority of Pinterest users are women, so if your small business service brand caters to women more than men, then you should definitely consider adding the site to your marketing mix. Of course, this doesn’t mean that if your services cater more to men, that you shouldn’t be on Pinterest. But you may have to think twice and consider other options so you can reach your target audience better. 3. Are you willing to devote time on the site? Just like other social networking sites, it’s important to devote time and effort to your page on the site, so that you build a good number of followers. You want to make things interesting for your audience, so you should regularly post, comment and reply to people, and make sure to follow, share and like other pinboards as well. You can’t build a following if you’re not going to update regularly and if you aren’t willing to devote time to interacting with your audience. After you’ve considered these three things, here are some tips to help you market your small business service brand on Pinterest: • Too much self­promotion is a No­No Too much self­promotion on Pinterest isn’t going to earn you points on it. Remember that it’s still primarily a social networking site, so it’s important that you make sure to

Recruiting Excellent Job Candidates

Board. Oftentimes, a recruiter will take a scattershot approach to finding candidates that are worthy of consideration for an available position. They broadcast far and wide the fact that a certain position is open and available, in big city newspapers and on major Internet job boards.If a recruiting agency were more thoughtful about its recruitment efforts, it would realize the benefits of positing an announcement of an available position on an industry­specific Internet job board. By posting in a selective and admittedly limited manner, recruiters and staffing firms would be reaching out precisely to the pool of people most likely to be qualified for an open position.One excellent tool for finding industry­specific job boards can be accessed at the Online Recruiters Job Board Directory. 2. Use Recruiters that Specialize in a Given Field. As with advertising, choosing an effective recruiter might be just a matter of targeting, particularly for a managerial or executive position. These positions can be very hard for in­ house personnel directors and human resource managers. While these people do have responsibility for hiring, the search for a new employee with skills beyond the norm for their company can best be targeted by a professional By David Leonhardt Here are six easy tips that recruiting services, executive head hunter. The same can be said for staffing firms, or executive search firms should specialized fields, such as accounting or Six Easy Search Tips to Get the Cream of the keep in mind when on the hunt for outstanding information systems. In­house human resources Crop­ An independent recruiter, recruiting potential job candidates in the 21st century. staff might know all about pharmaceutical skill­ agency or executive search firm is charged with These tips are equally applicable to companies sets required for a multitude of research and tracking down excellent potential candidates for undertaking their own search without the help of administration positions, but they might rarely available job positions. Despite the fact that there recruiting agency services. Indeed, the headaches have to deal with hiring staff to track money or to are innumerable people seeking positions of associated with finding qualified personnel is keep the computers functioning. That's when employment in the 21st century, it often seems to magnified for a company undertaking its own recruiting agency services specializing in IT or in accounting can come in handy. 3. Develop an In­ a typical recruiting agency that qualified men and recruitment efforts. women are few and far between. 1. Post an Ad on an Industry­specific Job House Referral Program. In many instances, exiting staff members can help speed up the search for quality job candidates. Employees often have contacts elsewhere within the By Lanette Tucker factoring companies. They process everything industry, some of which may be looking for a without paperwork! Some of the most respected change of employment. Cash flow gaps in startup companies and and trustworthy factoring companies even have By cultivating this internal businesses are a common predicament. This websites and hotlines working 24/7 to get in touch resource, a personnel director can develop a means that your business has gradually catered to with you and take care of your financial concerns wealth of ready information about prospective a bigger market. Do not treat cash flow gaps as a and needs. Factoring companies offer receivables discouraging agent. This signifies growth and financing to your business to increase its cash potential for your business.You should not let the flow. Receivables financing is a simple process. gaps stay unsolved. While it is true that cash flow This involves a short­term financing whereby your gaps indicate a promising chance for expansion, accounts receivable serve as collateral for your you have to seek help immediately from financing working capital advances. In doing so, factoring institutions to not let the opportunity pass you by. companies treat receivables as assets with value. Banks and lending investors will always be there to Factoring companies, who introduce and manage loan you with money for as long as you qualify your receivables financing account with them, their complex standards and tiresome processing. provide cost effective way for you to purchase new However, small businesses have a very slim chance or used equipment with little or no out­of­pocket of getting a loan from banks and lending cost. This is what you need in order to continue companies. When all else fails, do not resort to with your expansion and related undertakings. commercial loans. They can be very tricky. Interest Banks will only tire you with “billions of papers to rates are fearfully high and you could be entangled sign” and long queues when you apply for a loan. in a compounded interest without even knowing Lending investors will take your profit, as they will it! Seek the help of factoring companies instead. demand for you to pay both the money you Since you need immediate cash to go along with borrowed and the interest you owe them. your immediate decision to grab an expansion Receivables financing increase your cash flow and opportunity, you need the services and expertise of help your business operations run well.

Use Receivables Financing to Increase Your Cash Flow

share other things in addition to the services you’re offering. What you can do is create interest in your services by sharing content that’s inspiring and based on a broader theme. This helps build a community around your brand, and doesn’t hint of over self­ promotion. • Connect your Pinterest with your other social media accounts To effectively convert buzz to bucks, you should definitely connect your Pinterest with your website, your blog, and your other social networking sites. This helps promote your page and drive traffic to your website. You want to direct people to the place where they can become your clients and avail of your services.• Be more personal The best thing about Pinterest is the fact that you can show off who you are and what you love. Personalize your page – take the time to update the appearance of your Pinterest page so that it reflects who you are and what your brand is all about. And again, don’t be all about business – lighten up. Show people what inspires you and create boards that are funny and interesting. Social marketing is all about connecting with your audience, and the best way to connect with them is to show them the personal side of you. Your small business service brand can definitely benefit from maintaining an account on Pinterest. So don’t be too quick on dismissing this popular medium. Pinterest is fast becoming an excellent platform for marketing small businesses.

employees who might well serve the organization as valued employees.4. Search Resumes Posted on Job Boards. In addition to advertising on an industry specific job board, a diligent personnel director or recruiting agency will want to take the time to search and consider resumes that have been posted on job boards. Often, a person pounding the pavement looking for employment may not have the time to take in and review all of the various available positions that have been posted on a every job board. This is even more true if a given prospect is a highly sought­after candidate, who might be still busy in a current position of responsibility.5 .Use a Directory of Recruiters. Because there are so many different type of recruiters in business in the 21st century it can often be difficult for in­house human resources staff to pinpoint the recruiter that will be best able to meet the needs of a given employee recruitment campaign. But there are resources available, such as directories of recruiters. One such directory is the Online Recruiter Directory. By using a professional directory, in­house human resources staff will be able to identify the most appropriate resources for their company and for the recruiting task at hand. Even staffing firms can benefit from such a recruiters directory to seek help in a specialized field they don't often work with.6. Dont Rush the Process. Finally, while it is an overused saying, "Rome wasnt built in a day." In the same vein, 99 times out of 100 there is no need to rush the process of seeking, identifying and hiring a new employees particularly an executive level employee. A personnel director should take his or her time to identify, screen, interview and hire the best candidate. Throughout this process, a human resources manager or specialist will rely on the services and support tools identified in this article. By using these tips, in the long run the best possible candidate for a given position will end up being hired, and the company will benefit from the best possible employees.

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Be Green Jobs Ready

There are hundreds of types of green jobs that are available. People get far too caught up on just one or two types such as alternative energy, and forget or overlook all the other green careers that are available to them. Keep your mind open and be creative! Here are just a few ideas for those of you looking for something a little different. Conservationist Being a conservationist means that you help the government or landowners figure out how to protect the environment. This includes keeping track of what is going into the air, water, and the ground. As a conservationist you can help raise officials' awareness of pollution in their area or how the ecological balance can be protected. You may be asked to find ways to do this in the most inexpensive way possible. These green jobs generally require at least a Bachelor's degree. Agriculture, environmental science, natural resource management, ecology, or biology are common degrees people get if they want to get one of these green careers. Geoscientist Being a geoscientist is very much what it sounds like. You

are a scientist who studies the earth, such as its structure, composition, physical aspects, and basically how it works. These scientists commonly help other scientists learn more about the environment, how to protect it, and how to fix what damage has been done to it. These green jobs require a Master's degree in a field such as earth science or geology. Regional PlannerThose who have green careers as regional planners work hand in hand with developers and the community. They help communities figure out what the best ways to use space and resources is, while keeping growth and future change in mind. If you would love knowing that you helped to shape your community and make it a good place for the present and future, this would be a great job for you. A Master's degree in regional planning is generally required. Landscape Architects Green jobs like this also affect the community and how it is formed. They help design many important areas in the community, such as schools, parks, malls, and golf­courses. If you get a job like this, you would be responsible for making sure that the areas you

work on are made to be functional and great to look at, while still being environmentally friendly. The best features of all these jobs are the salary and the fact that you are helping the environment. To obtain one of these great environmental careers you need to be green job ready, which includes going to school to obtain a renewable energy certification or an environmental degree. Once you have your degree or certification, you can get a job in a field you are passionate about and be paid well for your efforts to improve the world we live in.

November 2012

Career Change: Go for it the Right Way By Diarmuid Haughian

It is actually considered healthy for the heart to have a career change in a decade as such a big step requires a change of pace and demands energy. Unfortunately, a lot of negative reasons have sprung up in the past few years that have forced people to consider that option. However, there is nothing to worry about in a mid­life career change. Once the final decision has been taken to switch tracks, help and sound advice will definitely be available. Career is something we pursue for our whole lives and we decide our education, training, internships, etc based on the career path we want to take. It is a natural phenomenon that during the course of our entire career we take on different jobs. If there have been cutbacks in the office due to financial or any other kind of trouble, it does not necessarily mean that you will opt for a career change. It does however mean that you will have to look for a new job. If you had been thinking about changing your career path and getting into a new direction, this would probably be the right time. The most important thing to assess especially if it is a mid­ life career change is your financial situation. People who are changing careers by choice will have the freedom to choose the time accordingly. But someone forced by circumstances might not have this facility. However, good planning and careful investment can always prepare you to face situations like these. So that later in life, whether by personal will or by professional set back if you are forced for a career change, you can always look forward to the exciting prospect instead of having to worry. Career changes can prompt a lot of questions. Are you up to date with the current technological advancement and innovations in the new field? It is very important to be abreast with the latest developments in your chosen area of work. Trying to gain that kind of expertise is really important for being able to enter the market. Also, you must be aware of the latest trends of presentations in these companies ­ what kind of resumes are getting accepted, what are the norms of interviews and also, what kind of skill sets are required by the companies in your chosen field? These are just the basic things one can cover to start with. Career changes need not be a daunting experience. However, it would be really beneficial for anyone seeking a career change (due to whatever reason) to consult a qualified career guidance counselor. A lot of advice is available on specialized sites which can help you get in touch with one, measure your aptitude and prepare yourself for the upcoming changes.

MBA Jobs For Business Management – Diversity Across Careers By Rodney Wincaster

There is no dearth of MBA Jobs for Business Management in this aggressively competitive era of globalization. In fact, MBA jobs are available in all fields of business. Business management is an inevitable aspect for the success of each organization today. Industries ranging from travel and tourism to medical and health, from hospitality to Information Technology and from advertising to PR have varied roles for management personnel. Having technical knowledge pertaining to any of these fields is not sufficient. Sound management skills are necessary for the sustenance and growth of any business. The Traits of an MBA Professional­ Some of the distinguished characteristics of a trained management professional are: Articulation, both verbal and written, The ability to communicate the right message across confidently, The knack of understanding and handling and managing a variety of people across domains, Excellent team workers and leaders, Quick grasping abilities and implementation skills Moreover, following are some important things to note: Business management skills are inherent to a successful MBA professional. A successful manager is the one who can adapt himself to the requirements of the rapidly changing industry standards; And demonstrate the same level of finesse across various facets of business management. Today, a business management professional has a multitude of options to choose from while selecting their field of specialization. The term business management is not limited to managing a

standard entrepreneurial venture or a family­run business. There is an incredible amount of diversity in MBA jobs across industries. Let’s discuss a few among the most popular MBA jobs. MBA Jobs in Finance and Accounting Among the most sought after are the MBAs with an accounting experience or specialization. This is one field which never goes out of demand. Whether it’s a public or private firm or a government concern, MBA jobs in accounting are diverse in roles and functions viz. Management of accounts receivable or payable units or transactions, Preparation of Taxation documents, Financial and Budget Analysis, Financial Planning, Management and Tracking Investment Banking MBA Jobs in Business Management The essence of the role of an MBA is to manage people and accomplish a task by getting work done successfully. MBA jobs in the following fields require the same level of expertise:An HR job entails managing man power to the best for company’s optimum growth, Operations management encompasses managing each task for the overall smooth operation of a business unit Supply Chain Management includes devising and implementing procurement strategies, logistics and ensuring JIT delivery MBA Jobs in Information Technology The field of IT needs MBA professionals for various project needs: Supervision of IT staff and project management, Implementation of Management Information System Management of Database Administration MBA Jobs in Marketing The trade and commerce world today would be incomplete without the efforts of its marketing professionals. Marketing is a key element for the success of

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every small or large business endeavor. MBA Jobs in marketing exist in the following areas: Brand building, Advertisement and Promotions, Public Relationship Management, Market Research and Analysis The job opportunities for experienced, versatile and skillful MBA professionals across industries are practically endless. A business management degree is highly reputable and desired for the management of entrepreneurial ventures, global trade, product development, corporate communications and the field of consulting.



November 2012

Psalm 91:Access the Power in Prayer

By Jeanie Rose

When faced with violence, danger and uncertainty, people of faith and prayer have turned to Psalm 91 for strength and encouragement. With great stress, the mind can go a bit wacky with fretting, fear, negative self­ talk. You've probably noticed! Having a ready­ made guide for reflection and prayer is essential at times like this. Without a guide, you usually end up endlessly going around the same mountain of anxiety. Psalm 91 makes a perfect map to get you on through. So if life is a struggle for you right now, do yourself a favor. Print off a copy of Psalm 91. In fact, print off several copies, each one from a different translation. Go the full spectrum. Start with the antiquated poetry of the King James and move to the more contextual interpretation of the Amplified Bible to the conversational tone of The Message or The Living Bible. Once you have your copies, you will use them to power up your prayer life and renew your mind according to the truth and promises of God. Sound good? It's better than good. What you are about to embark on is powerful, life­ changing, faith building. Follow any one or all of the following suggestions for putting Psalm 91 to work in your life. All is the better course. But, the best course is to simply get started, like now! Isn't that always the hardest part? So here it is: Strategy One: At least three times a day slowly read over the Psalm from more than one

translation. Focus. This is not mindless busy work. This is spiritual nourishment for your soul. Continue with this practice indefinitely, just like you continue to eat food on a daily basis to nourish your physical body. Over time you will have the verses memorized. Naturally some translations will resonate more fully with you than do others. These are the translations you memorize quickly and without breaking a sweat. A new day will dawn when you hear Psalm 91 coming up in your self talk. Rejoice! You now have a potent weapon for keeping your thinking under control, staying faith­filled, positive, forward moving. Victory is at hand. Strategy Two: Record your translations of Psalm 91 onto your computer or some recording device, then upload the recording to your ipod, mobile phone, CD or the like. Play the recording at least twice a day where you can give focused attention to the lines of the Psalm. In addition, play Psalm 91 as white noise where your subconscious can work with it. White noise is especially effective at overcoming the negative thinking. So, consider your white noise playing through the night as you sleep. This is especially effective if you have trouble going to sleep or a tendency to wake through the night. Many people have found this technique useful when suffering the grief of a death or divorce, or suffering any type of physical pain. The encouraging words of Scripture overwrite the pain messages from the current circumstances, at least to a degree.

Strategy Three: Keep a Psalm 91 journal. Twice a day write out one of the translations into your journal. It's important that the Psalm be written out by hand. Doing this activity on the computer will not render the same fine results. There is something about the way your hand and your brain are connected in this activity that affects your sub­ conscious mind. Over a period of time you will find that you have memorized Psalm 91 from more than one translation. Probably you will begin stringing verses together from various translations as you pray. You will also begin having insights into the meaning of the verses. This is gold! Record it in your journal. Eventually you will have a journal full of encouragement that will stagger your mind. You will realize the energizing work of the Holy Spirit in these insights. This is treasure! Hold it dearly. Strategy Four: This Psalm is filled with spiritual nuggets not obvious without a bit of study. So don't miss out. That would be like sitting on a diamond field and not picking up a shovel. An extensive study is available especially to assist you in accessing the power of Psalm 91 in prayer. Find the link for this study below. In conclusion I say remain faithful to any one or more of these practices and the sink­hole of fretful thinking will be history, past history. These change­creating tools are available. And, believe it or not, they are free. Use them liberally for this life­changing experience. Start today!

Simon Says Walk by Faith By Shawn McEvoy

Jesus said... "If anyone wishes to come after Me, let him deny himself, and take up his cross, and follow me." Matthew 16:24 You remember how to play Simon­Says, don't you? It's probably been a few years. It's the children's game where a leader gives verbal commands that are to be followed if and only if they are preceded by an explicit statement of permission bearing the warrant of mighty Simon himself. Non­"Simon­ Says" commands are worthless, and following them only gets you in trouble. Aside from being fun (for a few minutes anyway), the game also helps kids work on motor skills, coordination, listening skills, manners, and respecting authority. But shhhh... don't tell them that. I'm not convinced the game's so popular these days, as everyone's more interested in raising leaders than followers anymore, but I digress. Let's just look closely at the three actions in the verse above, which begins not with "Simon Says," but rather "Then Jesus said..." 1) Turn Around ("let him deny himself..."). This is what denying one's self is all about. Repentance. Seeing things God's way. Going from darkness to light. Playing the fool for God. Even the notion of playing a child's game is apropos here, as we must not use our own adult human knowledge and wisdom to accomplish this step, but instead we die to self and come

willingly in faith like a child. 2) Bend Over, Stand Up ("take up his cross..."). When you pick up the cross, you have to set down other burdens, the other things that you tend to think define "you." Taking up your cross does not equal the burden obeying you, your identity. You are indeed unique, but each day you should take on something new from Christ that makes you more like Him. 3) Go Forward ("...and follow Me"). Following = sacrificial living. It's advancement toward a Kingdom goal. In Matthew 8:1 we find that when Jesus "had come down from the mountain, great multitudes followed Him." He had just finished teaching them; they had received instruction from one who had no place to lay his head and was feeding thousands on mere loaves and fishes. Moving forward in the Kingdom can only involve putting others in front of self. Is it really all that foreign to us? People sacrifice all the time to climb ladders in their career and for other personal goals. Why not sacrifice without the ladders? Intersecting Faith & Life: Is this verse, are these three instructions, hard, or easy? The answer depends on perspective. Quitting smoking looks easy to the non­smoker, but the smoker must take it one minute, one day, one step at a time. Losing weight is a manageable goal for most, but if the focus is on losing 60 pounds in the first day the dieter is fighting a losing battle. Make it your goal to Turn Around, Bend Over/Stand Up, and Go Forward one day this week and see where playing "Jesus Said" takes you.

Can You Handle The Truth

By Pastor John H. Clark

A forgery is any act or crime of imitating or counterfeiting documents, signatures, etc. to deceive. In order to understand what is meant by the religious forgery you must understand the difference between the old covenant and the New Will. A covenant is simply an agreement, usually formal, between two or more persons to do or not do something specified. The old covenant was between God and Israel. Exodus19:5­8 states: "Now therefore, if you will indeed obey My voice and keep My covenant, then you shall be a special treasure to Me above all people; for all the earth is Mine. 6 And you shall be to Me a kingdom of priests and a holy nation.’ These are the words which you shall speak to the children of Israel.” 7 So Moses came and called for the elders of the people, and laid before them all these words which the Lord commanded him. 8 Then all the people answered together and said, “All that the Lord has spoken we will do.” So Moses brought back the words of the people to the Lord. Deuteronomy 4:13 "And he declared unto you his covenant, which he commanded you to perform, even ten commandments; and he wrote them upon two tables of stone." Deuteronomy 5:1­3 " And Moses called all Israel, and said unto them, Hear, O Israel, the statutes and judgments which I speak in your ears this day, that ye may learn them, and keep, and do them. 2 The Lord our God made a covenant with us in Horeb. 3 The Lord made not this covenant with our fathers, but with us, even

us, who are all of us here alive this day. This covenant was sealed by circumcision Genesis 17:9­14 (emphasis on verses 10 & 14) "9 And God said unto Abraham, Thou shalt keep my covenant therefore, thou, and thy seed after thee in their generations. 10 This is my covenant, which ye shall keep, between me and you and thy seed after thee; Every man child among you shall be circumcised. 11 And ye shall circumcise the flesh of your foreskin; and it shall be a token of the covenant betwixt me and you. 12 And he that is eight days old shall be circumcised among you, every man child in your generations, he that is born in the house, or bought with money of any stranger, which is not of thy seed. 13 He that is born in thy house, and he that is bought with thy money, must needs be circumcised: and my covenant shall be in your flesh for an everlasting covenant. 14 And the uncircumcised man child whose flesh of his foreskin is not circumcised, that soul shall be cut off from his people; he hath broken my covenant." A will or testament is a legal declaration by which a person, the testator, names one or more persons to manage his estate and provides for the transfer of his property at death. Before we go farther you need to understand that the books of Matthew, Mark, Luke and John are the Gospel. The New Will (New Testament) begins in Acts not Matthew. Hebrews 9:16­17 "For where a testament is, there must also of necessity be the death of the testator (will writer). For a testament is of force after men are dead: otherwise it is of no strength at all while the testator liveth." Jesus took away the first (old testament

Religious Forgery

through His death) that he might establish the second. Hebrews 10:10 By the which will we are sanctified through the offering of the body of Jesus Christ once for all." Matthew 26:28 For this is my Blood of the new testament (will) which is shed for many for the remissions (forgiveness) of sin (not sins). Forgiveness means to send sin off or away; but the primary meaning is to separate the sin from the sinner. Remember, sin dwell in the flesh Romans 7:23 "And they that are in Christs' have crucified the flesh with the affections and lust." Since flesh has been crucified sin has no place to live. Now that we have accepted Christ as our Savior, and are led by the Spirit of God , we are sons of God. Romans 8:14 " 14 For as many as are led by the Spirit of God, they are the sons of God.” Galatians 4:7 " 7 Wherefore thou art no more a servant, but a son; and if a son, then an heir of God through Christ." Romans 8:17 "And if children, then heirs; heirs of God, and joint­heirs with Christ; if so be that we suffer with him, that we may be also glorified together." Now that I am an heir, what do I inherit? Ephesians 1:13­14 "13 In whom ye also trusted, after that ye heard the word of truth, the gospel of your salvation: in whom also after that ye believed, ye were sealed with that Holy Spirit of promise, 14 Which is the earnest of our inheritance until the redemption of the purchased possession, unto the praise of his glory.” The Holy Spirit, which is my inheritance until redemption. The Holy Spirit is our helper. He helps us to operate in the fourth dimension and

What By:Do You Know? Donna M. Walker What do you know for yourself: Do you know who you serve? Do you know whom you depend? Do you know who holds your life’s plan? What do you know for yourself? Do you know God’s priorities for life? Do you know wrong from right: Do you know dark from light? What do you know for yourself? Do you know who knows the way? Do you know who blesses your day? Do you know whose promises are true? Do you know who truly loves you? What do you know for yourself? Do you know who shed His blood for you? So your sins could be washed away Do you know who died for you? So you could be delivered and restored each day What do you know for yourself? Do you know who forgives your sins? And sticks closer than your best friend And who knows your faults within? What do you know for yourself? Do you know who has unfailing love? Do you know who sees all from above? Do you know who has tender mercies Do you know who has abundant grace What do you know for yourself?

Inspirational poems and prose from the anointed book “Somebodys’ Gotta Pray”

To order a Copy of Somebodys’ Gotta Pray _____copies @ 12.00 each $ _______ Postage + Handling @ 1.50 per book $ _______ California residents add____%Tax $ _______ Total Amount Enclosed $_______ Make Check Payable to: Donna M. Walker Send to: Publishing Services PO Box 1364 Pomona, CA 91769­1364

receive the benefits of the New WILL, which brings us to the RELIGIOUS FORGERY. In his book, Healing the Sick and Casting Out Devils, T.L. Osborn tells us, "Many preachers and teachers have dared to "re­word the WILL." Which is nothing less than forgery, since no WILL may be changed after the death of the one who made it. Before leaving this world, Jesus left His Father's WILL regarding the sinful and the sick, by stating, "He that believeth and is baptized shall be saved." And "They (believers) shall lay hands on the sick and they shall recover." False preachers, teachers and elders may "cheat" you out of the benefits of Calvary by misinterpreting the "WILL" to you. But friends READ THE WILL for yourself. If you are sick and needy, refuse the un­scriptural interpretations of those who come to your bedside, telling you to suffer on, etc. All heaven stands ready to enforce every covenant­right of yours, when you dare to be BOLD in claiming them. Satan is a liar, and the father of lies, and he delights to blind men and women to their covenant­rights, and to their Calvary­purchased BENEFITS, "Ye shall know the TRUTH, and the TRUTH shall make you FREE" (John 8:32) Again we see that by looking to the Word of God we receive a revelation of what God is eager to do for us, and when we see that God is actually eager to set us free by healing us of our sicknesses and diseases, it then becomes easy to have faith then God WILL do what He said He WANTS to do FOR US that is revelation faith power." Pastor John H. Clark, New Testament Baptist Church, 580 E. 6th Street, Pomona, CA

Welcome To The Well Of Riverside Community

Orange Terrace Community Church 20010 Orange Terrace Parkway Riverside, CA 92508 (951) 233­5887 Sunday Service 12:30PM "Where the healing waters flows"

Pastor Rodney & First Lady Lisa Brewer

Corona Community A.M.E. Church

Antioch Missionary Baptist Church 2343 North San Antonio Ave. Pomona, CA 91767 Office (909) 621­5369 Fax (909) 621­3796 Email Sunday School 9:00AM Sunday Worship Service 10:30AM Bible Study/Prayer Meeting 7:00PM "Because the Word Works, We’re Working the Word"

Pastor William E. Tyler & Mrs. Monee

321 E. Sixth Street Corona, CA 92882 Telephone (951)371­9233 Email:

Sunday Services 9:00 AM & 12:00 PM Wednesday Bible Studies 12:00 PM & 7:00 PM

Grocery Give-Away Every SATURDAY

“A Heart to Work Rebuilding the Kingdom”

"We kept at it, repairing and rebuilding the wall, the whole wall was soon joined together and halfway to its intended height because the people had a heart for the work." Nehemiah 4:6

Reverend Charles Lee­Johnson & First Lady Monalisa Lee­Johnson



Pastor Ray and Stephanie Velez

P l a ce Y ou r AD H er e Ca l l (909)278­7046

To Ad ve rti se Wi th U s Ca l l (9 0 9 ) 2 7 8 -7 0 4 6


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November 2012

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Legal & Finance

November 2012

Guide to Credit Repair­What You Need To Do To Fix Your Credit

By Agness Mmumbi

Bad credit is of high priority and concern to people all over the world nowadays. On a national and governmental level there are problems with debt and poor credit and so it is almost impossible to imagine the hurdles people have to get through on a consumer level. Causes of Low Credit Ratings There are many different reasons why you can suffer from an adverse credit rating. Depending on the nature of the problem it can sometimes be fixed and stricken from the records as well. You can injure your rating by co signing for loans by which someone may default on their payments or cause problems of their own. Filling out a form or a loan application which contains an error will affect your credit rating in a negative way and you can have this problem affect you for the rest of your

life if you do not go about repairing the problem. If you are divorced or separated from a partner you can suffer financial repercussions if you had any joint accounts or assets which have not been paid in full at the time of separation. Why Should You Go About Repairing Your Credit Score For your future financial security and independence you will find that having a lower credit score is by far the better option than trying to fight against debt and collection services in the future. By having lower credit ratings you will also incur lower interest rates when you apply for a loan or financial application at any point. By taking the time to correct your financial situation then you will have a much better starting point for any potential transactions than starting with problems that are already established.Conditions There are certain stipulations that must be met

in order for you to become eligible for credit repair services. You are not allowed to change or remove any true and factual information. You can only alter information that has been falsified or misprinted and is changed by the authorities. Credit Repair Process The severity of your account delinquency will affect the process by which you can try to change your report. If you have an actual default on your payment or have actual problems in your records then they cannot be changed and you will need to find debt advisory companies or credit advisors to help you with your future financial situation and help you plan better for expected payments. If you have an actual mistake on your record then you can request a copy of your report from one of the three authorized companies that can issue them on a yearly basis. Experian, TransUnion and Equiax are

all companies that you are able to do this as soon as possible so that you contact in order to get a copy of your can start on a clean slate as soon as report and start proceedings to fix and you can. repair your credit. It is always best to

Dealing With Student Loan Payments By John Goodman

Most student loan companies allow students to pay off their student loans in a variety of ways. While many start on a standard 10 year loan payment plan, others quickly change their payment plan because of financial reasons. It often takes more than 6 months to find a full­time job after school. This puts many graduates in a stressful situation because they don't have enough income to pay off their loans. In this situation, most graduates are left to look for a different payment plan for their personal situation. One type of payment plan offering is a graduated plan. This plan allows graduates the opportunity to pay a lower monthly payment for the first couple years. As time passes, the graduate has to pay a small amount more each month. This is designed in a way that assumes the student will make more money with time, because he or she will be able to get a better job because of a degree. This is just one type of student loan payments plan that makes it easier for graduates to pay off their debt. Many Loan Companies There are a couple of different student loan companies that are federally operated. This helps to protect students and also allows many students not to have to pay their debt off while they're still in school. Most students try to use the most popular loan companies so that they feel safe. These are often the companies that offer the best interest rates. There are many other companies that offer student loans to both students and their parents. Some students need so much money for their education, that they're also forced to take out private loans. This is because based on

federal student loan offerings, he or she may only be eligible for so many loans. Luckily, there are many other companies that help students get the money that they need.Unfortunately, many of these loan companies make students start paying off their loan debt while they're still going to school. This can be extremely frustrating for many students, because they have to worry about going to school while also working a full­time job. Many students worry about paying off their student loan payments while attending school. Choosing the Best Rate After researching your options, you will find that many rates are very standard. This means that most companies will offer a very similar rate. It's still in your best interest to shop a better interest rate. This can end up saving you hundreds or even thousands of dollars in the long run, Once you start making student loan payments, take advantage of money­saving opportunities. For example, many loan companies allow a graduate to lower his or her interest rate by paying on time for a significant amount of time. Other companies allow graduates to lower their rate by just allowing their student loan payments to automatically come out of their checking account. This is a great option for many students, because they won't have to worry about scheduling their payment each month, and they will also be able to save a little money each month because of their lowered interest rate. Don't miss out on money­saving opportunities. This can allow you to have more money in your pocket for your other expenses. You may quickly find that you need to think about investing in an apartment, home, or vehicle. Learning to Handle All Bills

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It can be difficult for many graduates to learn how to balance all of their financial responsibilities. A lot of students do not work while they attend college, so they're not used to making regular monthly payments on bills. As soon as a student graduates, he or she is left to not only find a job, but deal with many new financial responsibilities. It's important that a graduate considers their student loan payments before agreeing to other financial opportunities. If a student is not careful, he or she may sign an apartment lease that is too costly. This can make it almost impossible to pay utility bills and rent along with student loan payments. This is why it's beneficial for students to work a part­ time job during school. Not only does this allow them to have some extra spending money, but it can teach students how to better handle their finances. If a student is smart enough, he or she will also learn to save a little bit of cash each month. This money could help a student out a lot after graduation. Many students are unable to save because they don't see the importance of it. If a student does save money while in school, it can allow the student to live a little more comfortably right after graduation. It's important for students and their parents to do proper research before taking out any student loans. This will allow them to find the best loan possible. It will also ensure that the student and his or her parents also understand all aspects of the loan's terms. If there is not a full understanding, there can be many hidden costs which can end up costing the student a lot of money in the future. Take the time to carefully consider all student loan options. You will find that it's possible to find a loan that fits your needs and has an affordable payment plan.

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Healthy Community

Ways to make your skin healthy

By Chloe park

The primary step to keeping your skin healthy is preventing damage. Pollutants, air, sun as well as by just natural aging can certainly mortify the form of your skin. Frequent grumbles incorporate dry along with itchy skin, sagging, wrinkles, color alterations, together with age spots. Luckily, there are various methods that you can readily apply in order to maintain a healthy skin, feeling and looking at its most excellent appearance. Keeping yourself fit, having enough rest, as well as getting healthy diet can set the basis for fine­looking and vigorous complexion. Moreover, a proper diet is not only the excellent way in attaining good health in general but it as well assists you to guarantee that your skin will get all of the vitamins and minerals, along with the nutrients that it requires to preserve and fix itself. Another way to keep your skin healthy is to apply the right skin care products to your skin. The best anti aging skincare products that can aid you to hydrate the skin are now available at your favorite skin care product store online. Having a clean skin by using the best skin cleanser is

November 2012

also a great way of preventing skin damages. One of the most essential ways to protect your skin is to keep it away from the harmful rays of the sun. Ultraviolet radiation harms the skin as well as it can result to wrinkles, premature aging, age spots or even cancer as well. An individual should really get further preventative measures in order to be certain that his or her skin is not totally exposed under the harmful rays of the sun. Do not fail to remember that one should apply a natural sunscreen, or a moisturizer that includes sunscreen (with minimum of SPF 15) every day. Although, it does not mean that you should not go out at all during the day, as if you are like a nocturnal creature. Your skin also needs some sunlight every day. A 10 to 15 exposures at sunrise or sunset will be alright. In addition to that, a variety of fine skin care products such as an all natural moisturizer is one of the essential components for a vigorous complexity. Keep on moisturizing all through the day to keep your sensitive skin vigorous. Your hands as well as your face is especially vulnerable to everyday dent, and might require it to be moisturized further.

Tips for Finding a Good Long Term Care Facility By Seth Molton

What is an ideal long term care facility? Various answers cropped up from the aged who, after all, make up a big percentage of the recipients of caring services in the USA and elsewhere for that matter. Most men and women in their retirement years still prefer to be cared for by their children right in the comforts of their homes. However true, there are some individuals accustomed to their independence and would rather be under the care of nursing institutions or retirement communities. Living with your children and opting for the services of a nursing home or an assisted living facility have its advantages, but you shouldn’t discount the fact that each also has its downside. For instance, home care will ensure you’re well taken care of because your kids or other relatives will be present 24/7 to assist you in all areas of activities of daily living (ADL),such as eating, bathing, using the toilet, dressing up, and performing house chores among others. Unfortunately, you cannot count on them to administer medications especially if you have a serious health condition because they are not trained professionally on the medical or nursing field. Those who can afford to pay a professional would prefer home health care and, thus, hire a licensed nurse or medical practitioner to look after them, and attend to their medical needs. However helpful this is to a patient, studies done on long term care show that the government will not shoulder the expenses of caring services performed in one’s home except if the reason behind it is medical. Meanwhile, patients with low to no income are an exception in the eyes of the government. So even if the reason for their home care is nonmedical, the government will definitely consider paying the home care services that were provided to them. Cost of Long Term Care Your budget for long term care will depend on your choice or type of long term care facility. If you will opt for home care or home health care, you will not spend as much as you would in a nursing home or assisted living facilities. Besides your budget, however, your health condition is also an important factor to consider when choosing a caring facility. At home, your medical equipment is probably limited to the basic such as a sphygmomanometer, thermometer, weighing scale, and perhaps a nebulizer. Unfortunately, these are not enough to address very serious conditions like heart diseases, cancer, respiratory problems, and many others that require complete medical facilities. Apart from the fact that licensed nurses and therapists are employed by nursing homes and assisted living quarters, these places are equipped with the necessary medical facilities to constantly monitor the progress or deterioration of your health condition. In 2010, it was recorded that a nursing home in America roughly cost $200 a day. That made an annual cost of $73,000, which a retiree had to fork over from his savings account. Investing in a pension plan could have saved him a chunk of his hard earned money.


EveryDay Living

November 2012

H el p f u l T i p s F o r E v er y d a y L i v i n g : - )

Community Unifies To Provide Warmth

High Desert Group Organizes Seasonal Events To Assist Those In Need By Christie Acevedo

Charity­ A word meaning, benevolent goodwill toward or love of humanity. Benevolent­ A word meaning, serving a charitable rather than a profit­making purpose. You may wonder why this story started off with a couple of definitions, this was not an ordinary way to start a story but these are two of the words that come to mind when describing many of the not very ordinary works of a not for profit High Desert group called Swapping Mamas. Unfortunately the word charity is many times a word that is used lightly, but charity is something that means everything to so many struggling Inland Empire families during these difficult economic times. It seems as though organization also can be defined much more meaningfully when we look at Swapping Mamas, a group who brings items needed all to one place in order to get them to the people who need them the most. We all are starting to feel the break from the summer heat, the little chill in the night air. This is welcomed by most but to some it is a scary thought, along with it comes the stress of affordably keeping their family warm through the cold months, there is also the fear of providing things that may not be needs but little things that make families feel more normal, and less “low income” during the holiday season. Swapping Mamas is quickly planning for the upcoming cold winter season as well as the holiday season. Swapping Mamas serves the high desert community and beyond. They say if you are willing to drive to any of their events you are welcome to participate. Swapping Mamas was founded by Adelanto resident Lisa Anderson, a high desert married mother of five and ran solely on the efforts of her and her volunteers. “Sometimes myself and the volunteers work several hours a day, several days a week to get things in order for our events. We love what we do, we love seeing the smiling faces of the people that we are able to help and love knowing we took a little bit of stress off of a family in need”, said Lisa. “We could not do the things that we are able to do without the team effort and the items provided by our great community”, she added. The items that Swapping Mamas helps to provide to the community are items that people in the community no longer need that can help someone else in need of the items. “It is nice to know that the

things my family no longer needs get to another family or families in need of them”, said Jamie Eskey a volunteer. “Sometimes It is a bit overwhelming with the upcoming cold months and the holidays coming. So many people come in need and the help we could offer depends on the contributions of our community.” said founder, Lisa Anderson. Swapping Mamas does most of their work through events held at the Adelanto Community center and does most of their communication and announcements on their website and through their Facebook presence. Swapping Mamas is able to collect the items needed for the group through drop offs at one of their seven high desert drop off locations and through several monthly pick ups. During the holidays and for special events there are also collection boxes at the Adelanto City Hall and several other High Desert Business like Kristy’s Bar in Apple Valley, Bear Valley Pet Grooming as well as a few other business locations. “Without Swapping Mamas I do not know how we could provide the basics like clothes and shoes for our family. They do not only offer clothing for the kids, they take it steps farther with helping the adults too. I am also grateful for their other events to help us with things like backpacks and Christmas gifts for our children” said a member who asked to remain anonymous. During the holiday season Swapping Mamas has a tremendous need for blankets, warmer clothing, jackets, shoes/boots in all sizes, socks, warm hats, knit scarves, rain/snow boots, Thanksgiving foods, Christmas decor, wrapping paper, toys and teen items, which are all items that Swapping Mamas assists residents in need with. “I worry, probably too much” volunteer Christie Martin says with a nervous laugh. “I worry about not having enough to assist these families that come to us in need of a Thanksgiving Basket. I also worry that people in our community will be cold if we do not get enough blankets together for our members or that children that parents depend on our assistance for the holidays will not all get the toy or teen item for their parents to wrap and put under the tree for them”, added Christie. Lisa as well as several of her volunteers work diligently to rally help from the community to get the items needed and according to the many happy swap goers we had the pleasure to talk with they do a wonderful job getting what is needed in. “Sometimes we need to remember to focus more on the good we are able to do, focus on the families we have been and

are continuing to help because there is just no way, as much as we would like to, that we can help every single person in need of help” said volunteer Raquel Gregory. Swapping Mamas can use some more help, help from people and/or Inland Empire business’ who are able to help with any of the following including: gently used blankets or comforters, Thanksgiving Food items for the Thanksgiving Baskets, Christmas trees or decorations for families in need, wrapping paper, tape and/or new or gently used toys or other items that would make a nice gift for any child from newborn to teen. They also accept clothing, shoes, baby items (formula, diapers, wipes etc), personal care items, kitchen trash bags, and storage totes year around for their clothing events. The statement that sums most of this need up came from Lisa Anderson when she said, “We have so much support but can use more from the community and our local business’, we have the City of Adelanto who gives us use of the Community Center and helps in so many ways. We have Ballpark Storage in Adelanto, they give us a great discount for the storage needs of our group, we also have the wonderful help of those willing to put collection boxes out for us. We could always use more

Etiquette Excursion by Mona By Mona Johnson CEO Of Personal Best

The majority of adults in the United States are over the age of fifty. Therefore, many of you are finding that you are attending memorial and funeral services more often. A memorial service like a funeral is a process for loved ones to reflect on the worth and the experiences had by and with a loved one. It allows the living to show their final respect of love and appreciation for the person who has died. In harmony with community standards and religious affiliations a memorial service can diverge in its procedures. A memorial service is a service where the body is not present. There are many reasons that a memorial service is chosen instead of a funeral but often it is at the request of the deceased. Memorial services as well as a funeral can be held at the church, mortuary, or grave side. In either case the same respect and

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decorum should be maintained. Once distant family members and friends have been initially notified of the death of a loved one it is then the responsibility of the distant family members and friends to stay in contact with the family contact person. Therefore, upon notification of a death of a loved one ask who will have the funeral information and ask how you can contact them. It is also the distant family members’ responsibility to get themselves to the services. In other words do not assume you are to be taken care of by the immediate family, nor should you wait for a call from the immediate family. You should call the immediately family to ascertain funeral service information on your own. There is no excuse, especially for a family member or close friends, not to be on time for a funeral or memorial service if they plan to attend. Passive aggressive waiting by distant family or friends for the immediate family to return a call to you is uncalled for and unacceptable. Distant family members and friends should

help, myself and my volunteers are all ironically low income families ourselves, it is sometimes frustrating because as much as we would like to, as much as we want to desire to see something happen, we can not always afford what we need to make certain things happen”. The desire, passion and drive to make things happen, and to help the community was noticed, actually, not only noticed but felt very strongly when speaking with volunteers. “Communities need to unite during these hard times, if everyone helps when they can and how they can we can all make it through this recession together. I love Swapping Mamas, I have volunteered since Lisa started the swaps in her garage back in 2010. I love meeting new members and the whole thing just makes my heart feel good, it makes me feel complete to do what I love with people I love.” said long time volunteer Denise Dale. We hope these works of Swapping Mamas can encourage others to serve their community and will encourage many to give with an open heart. To get more information on Swapping Mamas see or to contact someone who can answer your questions use the website contact form.

be calling the immediate family contact person. The age old excuse of “They didn’t call and tell me anything,” is not only trite but it is also self­centered. Families in bereavement should not be burdened with such egotistical nonsense. Black is no longer the required color for a funeral. However, your dress should still be appropriate and this usually means conservative. In some instances a funeral may represent the personal life style of the deceased person. This is an excellent reason to stay in contact with the family so you will be able to follow their dress suggestions. Understanding etiquette and trusting etiquette in a time of bereavement can serve as sustenance and hopefully a support while easing the emotional disquiet after loss of a loved one. Take an etiquette excursion with Mona. Join me weekly as I answer your questions, share ideas and explore good manners! Send your questions or comments to the Yes You Can email, or

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November 2012 Yes We Can Newspaper  

November 2012 Issue of Yes We Can Newspaper A Inland Empire Publication