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Friday, March 27, 2009

JPMorgan Chase to Delay Contributions to Employees’ 401(k) Plans

 
JPMorgan Chase & Co. will delay contributions to 401(k) retirement plans for salaried employees until the end of the year and may reduce the payments, according to a person who received a company memo on the changes. 
 
 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Wednesday, March 25, 2009

Sales Is The New Career

Learn to Sell
 
No more than ever, EVERYONE needs to sell.  Sell your skills, your company's products and services.  In this tight economy the regular "desk jobs" (clerks, analysts, middle managment) are all but gone. 
 
WHY? 
- Regular desk jobs cost businesses too much money 
- Non Revenue Earning jobs increase a compoany's overhead and cost of doing business
- To much overhead reduces flexibility and competitive ability
 
THE ANSWER
- All businesses are refocused on the bottom line (cash flow, profits) 
- New hires must be able to bring more money to the company
- How much more money/clients/sales will you bring to the company this year?
 
WHAT YOU CAN DO
- Develop new skills: Become a sales & marketing professional (in everything you do).
- Already have a job?  Start a home-based business marketing products/services you like.
- Call Alvin Hartley to learn about FREE Sales Training Programs (917-443-8573 // tmium@yahoo.com)
 
The maket shift is real. The new economy is here to stay. 
The rules have changed. So will you.
 
Here's what some experts have to say.
 
Articles on the "New Economy"
Today, many career opportunities that once came with a W2, full benefits, and the promise of a long-term relationship now come with a 1099, zero benefits...
 
Who wouldn't want to add an extra digit to their paycheck every month? If you're in the right job, you can. Independent and commissioned workers decide what's on their paycheck by working harder or more hours. Find out how you can land a job where performance truly pays off...
 
 
Articles on Marketing & Sales

As prospects clench their sweaty hands tightly around their shrinking budgets, even a whiff of confusion or doubt will kill the sale... Now is the time to sharpen your marketing strategy and certainly sharpen your marketing message...

 
- Smart Marketing And Sales Tactics During A Tight Economy

We can all use a little help every once in a while, especially in times like these.. If your small business is searching for marketing and sales tips ...
 
True business leaders & CEOs start in SALES!
 

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Recession likely to linger into 2010

Feldstein: Recession likely to linger into next year
There is a good chance the U.S. will need to implement a second economic stimulus as the recession persists beyond this year, said economist Martin Feldstein, a member of President Barack Obama's Economic Recovery Advisory Board. The Harvard University professor said he does not know when the recession will end, but "the forecasts that it'll end later this year, I think, are too optimistic." Reuters 

 

Investor's Note: 

An extended recession is good for bonds and precious metals (silver, gold).
 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

Become A Member  |  Share Your Story

 

 Get your autographed copy today!

 


 

 

U.S. to seize troubled companies

U.S. seeks to expand power to seize troubled companies
As the public outcry over American International Group continues, the White House and the Federal Reserve proposed a plan that gives the government greater authority to take over financial institutions that pose a systemic risk and are on the verge of collapse. President Barack Obama said the AIG situation could have been handled more effectively if the government had the authority to take over financial firms similar to the power it has to seize troubled banks. The New York Times 
 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Tuesday, March 24, 2009

FYI: Business 2 Business Informative Networking, Wed. 3/25, 7-9 PM, Bloomfield, NJ

Hello from Jeff Bunin!

March 25th, Business 2 Business Informative Networking in Bloomfield, NJ. Please reply to this email to reserve your seat for this NO COST event.

Capital Lending Corp in will host an informative NO COST business networking event at the Bloomfield Public Library (90 Broad St., Bloomfield, NJ) on March 25 from 7 to 9 PM.

The topic will be "Innovative Business Financing for Tough Funding Situations".

We will cover how to be an attractive funding candidate and what are the various funding options.

Light Refreshments will be served.

Please reply to this email to reserve you seat for this NO COST event or email me at: jbunin@CapitalLending.com

INNOVATIVE FINANCING SOLUTIONS FOR TOUGH FUNDING PROBLEMS

ImageIf you or someone you know may need to borrow funds to pay taxes, consolidate debts, acquire or refinance assets, pay off balloon mortgages, start-up or expand a business or smooth out the ups and downs of the business cycle, chances are that Capital Lending Corp. can help.

The consolidation of the banking industry and the new more challenging lending environment as evidenced by the bank failures in the sub-prime market have left borrowers with fewer financing alternatives. Now more than ever before, the remaining big banks deal in volume and if a situation does not fall into their standard now more conservative lending profile, they are not equipped to handle it. Since 1995, Capital Lending Corp. has been creating value by tailoring its approach to each client's individual circumstances. These circumstances may include: less than perfect credit, unsubstantiated income and other unique situations. CLC arranges the most appropriate financing according to the needs of our clients. Banks refer their customers to CLC because we help them keep the deposits of clients to whom they unfortunately cannot make a loan and who thus may take all their business to another bank. We are not locked into just one set of programs. Highlights of some of the available programs are listed below.

Business Financing
• Business Loans up to $100,000 with approvals within as little as 24 hours
• Franchise Financing
• Non-Profit Financing
• Loans for Account Receivables and /or Purchase Order Financing
• Equipment Loans and Leases
• Asset Based Lending
• Venture Capital

Commercial Real Estate Financing
• Loans for Land and New Construction
• Condo/Community Capital Improvements or Conversions
• Commercial Real Estate Loans with No personal Income Verification even for hard to finance properties
• Up to 90% financing
• Loans for most types of commercial real estate including the hard to finance properties..

Residential Real Estate Financing
• Aggressive FHA Programs
- Credit Score as low as 540
- Up to 60% Debt to Income Ratio
- Recent Chapter 13 Bankruptcy OK
- Up to 97.75% Loan to Value
- Up to 90 days late payments
- Financing for remodeling and repairs
- Up to 85% Cash Out Refi
- FHA Spot Approvals for Condominiums/Townhouses
• Co-op Financing
• Loans for Investment or Personal Use
• Reverse Mortgages
• No Personal Income Verification Loans for Investment Properties


Special Financing Programs
• Loans for domestic and international projects
• Non-Bankable Loans
• Bridge Loans

Needless to say there are restrictions associated with any financing program. Please contact me to discuss any financing situation.

------------------------------------------------------------------------------------

No Personal Income Verification Loans are Back! Investment Properties Only.

Stated Income, Verified Assets
(Self Employed or Business License)

LLC Ownership is permitted

Loans Up to $1 million per residence, no limit on number of properties

Competitive Rates

One to Four Families

Total Debt Payments/Income (Back-End) Ratios: up to 45%

LTV: Up to 70% for Non Owner Occupied

Credit Report with a middle score of 700+ for max loan amount, but lower scores will be considered.

Adjustable Rate Mortgages (ARM's):
3/1, 5/1, 7/1, 10/1 (Term, Years / Adjustment Period, Years)


Needless to say there are restrictions associated with any financing program.
Please contact me to discuss any financing situation.


Jeff Bunin
Senior Loan Officer
201-207-5686 cell
jbunin@CapitalLending.com

"You Can Do More with Capital"

3-6-09


-----------------------------------------------------------------------------------

FHA Loans – Bigger & Better

New Higher Loan Limits

The American Recovery and Reinvestment Act of 2009 (Recovery Act), signed into law on February 17th, 2009, provides for new FHA Mortgage Limits, effective March 6, 2009.
The new maximum standard FHA Loan limits vary by county. Bergen, Essex, Hunterdon, Middlesex, Monmouth, Morris, Ocean, Passaic, Somerset, Sussex and Union are at the new maximum loan limits which are as follows:

New 2009 FHA Maximum Loan Limits
1-Family $ 729.750
2-Family $ 934,200
3-Family $ 1,129,250
4-Family $ 1,403,400

LTV: (Loan to Value):
Purchase: 96.5%,
Rate & Term Refi: 97.75%,
Cash Out Refi: 85%

Credit: Must have a credit report with a 620+ middle score (maybe 580+) and No Bankruptcy in last 4 years.

Debt/Income Ratios: Up to 60% is available

Needless to say there are restrictions associated with any financing program.

Please contact me to discuss any financing situation.

Jeff Bunin
Senior Loan Officer
201-207-5686 cell
jbunin@CapitalLending.com

"You Can Do More with Capital"

3-19-09


------------------------------------------------------------------------------------


Reverse Mortgages – Bigger & Better

New Higher Mortgage Limits - $ 625,000 – Purchase or Refi
House (1 to 4 Fam.), Condo or Co-Op

Benefits

No income verification
No assets needed
No credit record needed
No personal guarantees
If property value drops, you DON'T pay
NO MONTHLY MORTGAGE PAYMENTS – EVER

Qualifications

62 or older (Everyone on the Deed)
Own the home you live in
Live there at least 6 months a year
US Citizen or a Permanent Resident
Completed a counseling session by a HUD approved HECM counselor

Safety

Federally Insured and Closely Regulated
Reverse Mortgages are endorsed by HUD and the AARP
As Reverse Mortgage Specialists and as a Mortgage Banker Licensed by the NJ Department of Banking & Insurance, we are subject to a strict code of ethics.

Needless to say there are restrictions associated with any financing program.
Please contact me to discuss any financing situation.


Jeff Bunin
Senior Loan Officer
201-207-5686 cell
jbunin@CapitalLending.com

"You Can Do More with Capital"

3-6-09

------------------------------------------------------------------------------------








Freddie Mac Weekly Primary Mortgage Market Survey.
This is the best information on residential mortgage rates across the country for the past week for the most credit worthy borrowers. When on the website, click on the date you are interested in and more detailed information will appear.

Federal Reserve Daily Update on Interest Rates.
The Federal Reserve is the central bank of the USA and the primary source of information on most business and investment interest rates and other economic information.

------------------------------------------------------------------------------------

Message to AOL & MS OUTLOOK Users

Please add

Jeffrey_H._Bunin@mail.vresp.com

to your to your AOL and/or MS OUTLOOK address book to make sure that future emails can display HTML graphics and links.


------------------------------------------------------------------------------------

Let's work together and make this a great year!

Please contact me at anytime. Complimentary consultations are available.

I enjoy contributing to the success of others.

My network/database contains more than 3,000 professionals including: accountants, attorneys, bankers, realtors, college professors, contractors, real estate developers, engineers, scientists, doctors, nurses, etc.

So let me know what are your most pressing issues and maybe I or someone I know can help.

Please contact me concerning any financing situation and refer to me your friends, family and associates.

Yours truly,

Jeff

Jeffrey H. Bunin, B.Ch.E., MBA

-------------------------------------------------------------------------------

Senior Loan Officer, Capital Lending Corp., www.capitallending.com
Real Estate & Business Financing
"Solving Tough Funding Problems with Innovative Financing Solutions"
8417 Bergenline Ave.
North Bergen, NJ 07047

jbunin@capitallending.com

Tel. (201) 295-1400 x 14
Fax. (201) 295-1444

-------------------------------------------------------------------------------
Former Adj. Prof., Rutgers Business School, MBA Program
(Newark & New Brunswick)

877 - BIZ - GOAL (249-4625)

jbunin@alumni.rutgers.edu

www.BuninManagementAdvisors.com

Bunin Management Advisors, LLC

Disclaimer: Please note that the ideas and/or thoughts presented by third parties are theirs alone and Jeff Bunin bears no responsibility for their validity or correctness. You should seek the advice of your attorney, accountant, financial planner and/or other appropriate advisors and do your own due diligence before embarking on any important undertaking.

 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

Become A Member  |  Share Your Story

 

 Get your autographed copy today!

 


Cold Calling Tips & Setting Appointments

 

Great tips for making sales calls and setting appointments!
MarketReach logo 
Reaching Your  
Target Market
March/April, 2009
In This Issue
Call Now to Save!
Quick Link to MarketReach
Scripting the Introductory Conversation
Just for Fun
Call Now to Save!
 
Just don't have time to make those calls?
Rather spend your time in qualified meetings?
MarketReach takes the pressure off!
 
Call now and save!
 
5O% off set up until April 10
(new clients only)
 
Call 609-448-6364
for details.
 
Get the Appointments You Need - NOW!
 

Quick Link
 MarketReach specializes in appointment setting, lead generation,
database cleanup, surveys, and introductory call training. To learn more click MarketReach
 

         Questions?           Email Amanda at amanda@marketreach.biz
or call 609-448-6364

Scripting the Introductory Conversation with Your Prospect

 

      In these times, have you given more thought more to your sales presentation? Whether you are calling someone you met from an Association you are a member of, or making a cold call to a prospect from your database, are you very clear about what you are trying to accomplish on the call and how to go about saying it?  Sales professionals rely on basic principles that have historically yielded consistent success. Such a process begins, of course, with a call guideline, or script. This script can be used either to train new employees or refresh a veteran team member. It is designed to give consistent results by controlling the flow of the conversation, regardless of who is delivering the message.

Follow this protocol for scripting the introductory call, and you will see your appointment setting ratios skyrocket!

Salutation: Avoid insincere-sounding openings with little utility, such as "How are you today?" Avoid setting a trap for yourself with questions such as "Did you receive the information I sent you?" This question often merely prompts the prospect to respond with "No, send it again," thereby cutting the conversation short or demeaning the information by proceeding without it. Avoid inquiries that precipitate a negative response. Get right to the point with such an introduction as "Hi, this is Mary from ABC company. We specialize in assisting (industry) with (benefit statement)." 

Engaging Questions: Make sure that your prospect is an active participant in the dialogue. Create the opportunity for positive responses while getting the information you require as the salesperson. Avoid run-on sentences or one-way conversations that alienate the prospect by going on and on about how large your company is, how many years you've been in business, etc.

Speak in snippets because attention spans are short-lived. You've got less than 30 seconds for your compelling message, and if you can engage the prospect and make them an active participant in the conversation, you'll gain rapport.. People like to talk, and if given the opportunity, will verbalize what they think they need without being pressed. Occasionally employ open-ended questions such as, "How are you currently handling that now?" or, "Tell me about the current program you're using." Use questions that start with "tell me about" or "describe for me." Consider what meaningful questions you can ask the prospect to get them talking.

     Benefit Statements: The prospect often has many products and services from which to choose, and is already associated with your competition. A salesperson must be prepared to stress his/her company's unique edge and amenities. How will you save time, increase profits, and reduce costs? Quantify the prospect's potential savings and earnings by having your statistics and your dealings with other companies ready and available. Increase your credibility by displaying your knowledge of the prospect's industry and of his/her competitors.

The prospect must go from looking down on you for intruding to looking up to you for a solution. For example, "I'm calling to talk to you about how we've increased weekly prospect meetings for ABC software company salespeople by 30%, calling upon manufacturing companies and getting meetings with decision makers to discuss their services.. Our clients have also found we help with retention since we alleviate stress and rejection associated with making introductory calls."

In this example, the benefit statements included increased appointments (which was quantified) and higher retention. The competitors name was mentioned along with specifics of the marketplace that were targeted, adding credibility to the pitch.

Close for Appointment: A salesperson who wants the appointment must ask for it.  Every time you respond to an objection (which should be answered with a question to understand more about where they are coming from), bring it back to the close. A salesperson must know how to get back on that main road if detoured. An example of a proactive close is, "Do you have a calendar in front of you? Take a look at what looks good for you over the next week or two.."

Prepare Now to Meet. Gather Information: Before ending the introductory call, gather whatever pertinent information you need, so that the prospect's needs assessment and solution can be personally tailored for the face-to-face meeting. This information may be gathered by asking such questions as, "Have you ever outsourced this function before?" or "How many employees do you have?" Avoid intrusive or obligatory questions, or questions better reserved for the closing meeting, such as, "What does your budget allow?" or, "If you find value in our service would you be willing to commit?"

Reconfirm Appointment: It is easy to forget an appointment, so be sure to advise your prospect to write it down (and repeat it yourself at least twice, with the set date and time.) The call may be properly terminated with, "OK, Joe, I keep 100% of the appointments I set, so I'll see you on Thursday the 18th at 3pm. Here's my number in case an emergency comes up... It was great speaking to you." By offering your number, the onus is on the prospect to call to cancel (as opposed to you having to call to confirm and make it easy to cancel!) Avoid making a confirmation call the day before, and if you do, get the prospect's extension so you can simply leave a message. Also, if the appointment is a few weeks out, write a handwritten "thank you for your time" card, thanking the prospect for the opportunity to meet. It not only flatters the prospect, as anything handwritten has become a thing of the past, but also serves as a reminder of the appointment.

Handle Objections: Now that you have a script that helps you control the flow of the conversation, do you have the language to overcome the objections? Lucky for you, there are only five to eight objections you'll hear from a prospect. These include, "Send me something in the mail," "I'm happy with my current vendor," "I'm under contract", "call me after the holidays," etc.

We will delve into handling objections in a future article. Stay Tuned, and in the meantime, follow these scripting secrets and watch your appointment setting ratio skyrocket!
Penguin
 
 Just for Fun
 
 
 
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Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Monday, March 23, 2009

Key points for Treasury toxic-asset plan

Ross outlines key points for Treasury toxic-asset plan
Due diligence will be key to the success of the Treasury Department's plan to rid banks of their toxic assets, according to Wilbur Ross, chairman and CEO of WL Ross & Co. "That's essential because these are very complex assets and they'll be bundled together into fairly large pools," Ross said in an interview with CNBC. CNBC 
 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Thursday, March 19, 2009

Gone too far? US Congress 90% bonus tax for bailout firms

 
The House is scheduled to vote today on a bill that would levy a 90 percent tax on bonuses paid to employees with family incomes above $250,000 at companies that have received at least $5 billion in government bailout money.
 

"We figured that the local and state governments would take care of the other 10 percent," said Rep. Charles Rangel of New York, chairman of the tax-writing House Ways and Means Committee.

 
 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Wednesday, March 18, 2009

Investment Outlook for Q1 & Q2 - 2009

Here's our Quick Hit - Investment Outlook for 2009.  These quarterly satrategies will help you stay ahead of the game.
 
Q1 & Q2 - 2009
Stay away from equities. There may be a few short rallies followed by even sharper declines. The smart money will continue to short equities index and sell into any rallies.  We recommend building defensive positions
- Precious Metals:  buy/long Silver (AUG), Gold (GLD)
- FX Currencies:  buy/long Japanese Yen
- US Gov't Bonds:  buy/long 10yr, 30yr Treasury Bonds and Inflation Index Treasury Bonds (TIPS)
 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Pension Follies: NJ Sues Lehman Execs Over $118M Loss

 
The State of New Jersey sued former executives and directors of Lehman Brothers on Tuesday, contending that fraud and misrepresentation had caused the state's public pension fund to lose $118 million.
 
The suit, filed in State Superior Court in Trenton, contends that a "thirst for profit" and "simple greed" by the Lehman executives, including the former chief executive Richard S. Fuld Jr., caused the firm to misstate its financial position when the state bought $182 million of Lehman shares in April and June 2008. 
 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Small Business: Seizing the opportunity of an economic downturn

...Despite the grim news, I firmly believe that small business will lead us out of the hard times.
 

While small businesses may not have the same resources that a larger organization has, we have have one key asset that will prove move valuable than anything else: the ability to be be nimble. I believe this makes us well positioned to weather the downturn and in fact emerge stronger.

 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Economic Growth Requires Normal Securitization Markets

Barclays CEO: Growth requires normal securitization markets
Securitization markets must return to normal for the world economy to start growing again, but things will be a little different in the future, Barclays CEO John Varley said. "The normalization of securitization markets is going to be one of the key ingredients to the normalization of economic activity," he said. CNNMoney.com/Dow Jones Newswires
  

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Tuesday, March 17, 2009

Credit Derivatives: CDS Set to Collapse Global Markets!

The top academics and Wall Street 'quants' are keeping silent about the next threat to the Global Economy.  It might just be 'THE LAST STRAW'.  What would happen if the Credit Default Swap-CDS market implodes; forcing capital starved institutions to make good on their payments and 'SWAPS' contracts?  Where would the money come from?  Another bailout...
What can the informed investor do to protect their cash from another market collapse. 
 
Transparency would help credit-derivatives market
The idea of spreading risk around the financial system was a good idea that went bad as much of the risk ultimately became concentrated at American International Group, columnist Gillian Tett explains. Tett argues that the concept of using derivatives contracts to spread risk remains sensible if done correctly and with significantly increased transparency. Financial Times
 
Battle over CDS clearing part of larger competition
Regulators in Europe and the U.S. have focused on centralized clearing of credit derivatives as crucial to their efforts to overhaul the financial system. A number of groups, including IntercontinentalExchange, CME Group and LCH.Clearnet, are moving forward with plans for clearinghouses, but uncertainties remain. The struggle is part of a larger competition between exchanges, financial institutions and other providers of financial services to trade many kinds of assets. Financial Times 
 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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 Get your autographed copy today!

 


 

 

New Careers: Getting Started with Millennium Lyon & IAB

Ready to take your career to new heights?
 
FAST-START our 90-Day Intensive Sales Training Program for new Associates.  Take a moment to view our web sites and learn more about our firm.
Millennium Lyon Asset Management:              www.mlgcap.com
IAB - International Association of Benefits:       www.BenefitsIAB.com
WFG/IAI (broker-dealer):                                 www.InvestmentAdvisorsInternational.com
    
Complete the following registration steps. We look forward to build a profitable business with you. 
  
1)  Register  with Millennium Lyon: Sales Tracking Program for your membership sales.
        Click here
 
2)  Register with IAB Health Benefits. Get your own contract to earn residuals on every sale.
        Click here
 
3)  Register with our Broker Dealer (WFG/IAI). Use Recruiter ID: 217BV
        Click here
 
4)  View our webinar on Active Money Management.  It's a core part of our 401k franchise.
        Click here
 
5)  Start your 90-Day Intensive Sales Training Program.  Contact Alvin Hartley - Marketing Director for marketing materials and more information (917-443-8573).
 
Questions or comments?
Call Alvin Hartley - Marketing Director (917-443-8573) or Mariam Bethea - HR Director www.mlgcap.com/careers
 
Regards
 

Victor Lloyd Smith

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Thursday, March 12, 2009

NYC Jobs: Career Fairs

Here are some Career Fairs in the tri-state area.  Great place to network and meet new recruits and clients.
 

March 12, 2009 - NY Career Fair
Location: Radisson Martinique On Broadway Hotel
49 West 32nd Street, New York, NY 10001; Time: 11 am - 2 pm

 

March 25, 2009 - Job Expo Buffalo
Location: Holiday Inn Buffalo Downtown
620 Delaware Ave., Buffalo, NY 14202; Time: 10 am - 3 pm

 

April 2, 2009 - NYC Career Fair
Location: Metropolitan Pavilion
125 W. 18th Street, New York City, NY 10011; Time: 10 am - 3 pm

 

April 7, 2009 - Job Expo Long Island
Location: Melville Marriott Long Island
1350 Old Walt Whitman Rd, Melville, NY 11747; Time: 10 am - 3 pm

 

April 9, 2009 - Job Expo NY
Location: Affinia Manhattan Hotel
371 Seventh Ave, New York, NY; Time: 10 am - 3 pm

 

April 16, 2009 - Job Expo White Plains
Location: Crowne Plaza Hotel, 66 Hale Ave, White Plains, NY 10601; Time: 10 am - 3 pm

 

Millennium Lyon Asset Management

Web:      www.mlgcap.com

 

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Tuesday, March 10, 2009

Five Ways to Write Your Own Paycheck

Here are five ways you can write your own paycheck. (click here)
 
Who wouldn't want to add an extra digit to their paycheck every month? If you're in the right job, you can. Independent and commissioned workers decide what's on their paycheck by working smarter. Find out how you can land a job where performance truly pays off.
 
 
Resources & Job Listings
  

Become A Member  |  Share Your Story

 

 Get your autographed copy today!