Articles written by Renee Ruby

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About me - Renee Ruby

I'm your typical "Jane-of-all-trades but master of none"! You know, one of those people who know "a little about a lot and a lot about nothing"? OK, enough with the cliches already! LOL! I am a stay-at-home, work-at-home, homeschool Mom of three (2 still

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Jobs & Careers > Job Search (Other) How to be successful at interviews and win the job: 3 of 25

In today's economy, jobs are becoming scarcer. With hundreds of thousands of new job seekers, the all-important job interview becomes even more important. Having good interview skills will help you win the job for which you are applying. The statement that "image is everything" has never been truer. The type of job you are a...
Personal Finance > Retirement Planning ahead for your retirement: 4 of 23

Retirement can be a scary word if you do not have any financial planning in place. Planning for retirement should not be an afterthought or you will find yourself quoting that all too familiar "hindsight" saying. So when should you start? The earlier the better of course. Ideally, you would start saving in your 20s, when you...
Business > Finance & Insurance The value of a business credit card explored: 1 of 5

Many business owners and entrepreneurs already are aware of the many benefits of a business credit card. However with the changes in credit card laws, changes in credit card company practices and the lackluster economy many seasoned veterans as well as new business owners and entrepreneurs may need a primer in finding the ri...
Health & Fitness > Bipolar Disorder Bipolar disorder: Adjusting to the diagnosis: 2 of 8

Bipolar Disorder: Early Diagnosis is Key Almost four years ago, I was diagnosed with bipolar disorder. This diagnosis was not a happy one as I was put out with being labeled "manic" by my doctor and best friend. However, it was the beginning of a mental healing process. You see, I had been dealing with this disorder for long...
Personal Finance > Credit Cards Understanding the costs of credit cards: 5 of 15

Read the Disclosure Whether you already have a credit card or are shopping for one don't just skim over the disclosure. Don't get caught up by the fancy advertising and enticing wording of the overview or the simple terms located on the front of your statement, dig deeper. Thoroughly research the offers. What they aren't tel...
Personal Finance > Managing Student Loans How to pay off college debt during a recession: 1 of 3

Graduating from college can be an exciting time. Preparing to foray into the 'real' world to begin life is a bittersweet experience at best. Almost 1.6 million students will be graduating college in 2009*. Of that, two-thirds of them will have student loans; and around seventy percent will have credit card debt*. Add to that...
Business > Human Resources Why use a virtual assistant?: 2 of 5

Paid employees come can come with a host of issues. You not only must provide software, hardware, tech equipment and furniture for them, you also have state and federal obligations, and employer compliance and unemployment liabilities. Then there are the benefits packages - sick leave, vacation time. It is estimated that the...
Personal Finance > Managing Credit Bad credit: Now what?: 22 of 44

Good Credit Gone Bad ? It is amazing how quickly a comfortable lifestyle can degrade. It is equally amazing how many people have no idea how they got there. Good credit is not just something that happens; it is something you must work on to keep. If you find yourself suddenly with credit denials and those nagging collection ...
Computers & Technology > Internet Security & Safety (Other) Investigating the safety of paying through the Internet: 3 of 6

Currently one of the biggest predators of our lifestyle is online credit card fraud. With all of the different outlets for theft, it is surprising that more people are not affected. The dollar loss reported from Internet crime reached an all-time high in 2007, according to the Internet Crime Complaint Center's (IC3) 2007 Int...
Personal Finance > Credit Cards Product reviews: Capital One credit card: 2 of 4

Is "No Hassle" Really No Hassle? Credit cards often create advertising that will make their credit card programs look very inviting to consumers. There are as many programs to choose from, as there are card offers! If you are actively seeking a credit card to apply for you may wonder how realistic some of these programs are....