Problem: Write an article based on this summary: Find your niche. Forget about holidays at home. Be prepared for a demanding schedule. Advance your career. Keep it professional. Be persistent

Answer: When you begin, you'll be working as an anchor or a reporter for whatever field is available. But as you advance in your career, you may have more say about what field you'll be reporting in. You can work as a featured news reporter, in consumer news, or in health news, for example. This can depend on your personality and what you like doing the most. If you're more funny and relaxed, then the quirky human interest stories may be more your speed; if you're more serious, then you may cover more intense topics like homicide. If you don't want to be negatively impacted by the news you share, then you may consider working in consumer, medical, or features news. They may be a little less exciting, but they'll also be less emotionally draining. The truth is you will hardly ever get holidays off. You will most likely be working. Established main anchors at TV stations will most likely get holidays off, which means you will be stuck at work. If you constantly move markets every couple of years to increase your salary and experience, you will always be the new kid on the block, which means you won’t have seniority. So, you can kiss Thanksgiving, Christmas, New Year’s, Fourth of July, and Labor Day goodbye. Also “sweeps” months (when stations monitor how many people are watching) will be off limits for vacation time. These months include: February, May, July and November. You may be placed on the morning shift, the evening shift, a split shift and the weekend shift at any given moment. New reporters especially have very little say in the hours they work. Working overtime is very common and few stations pay overtime. Not only will your schedule be demanding, but it may change at a moment's notice. You'll need to not only be available, but to be flexible. There are a number of ways to advance your career, and this doesn't always mean working at bigger and better news stations. You can go "network hopping," which means moving from one station to the next to gain more responsibilities and to build your reputation. However, if you've had enough of this rigorous lifestyle and have built up enough prestige, then you can consider getting into the talk show forum route, work as a syndicated columnist for a major paper, or even turn to being an author, a public relations specialist, an editor, or a college professor. Just remember that it can take a decade or longer to move past the traditional route of a TV reporter or news anchor. Unfortunately, unlike in most other professions, if you make a big mistake in the field of reporting or anchoring, it may be on permanent record. You don't want to be the reporter who is famous for cursing on national television or who muttered an objectionable and offensive term in front of hundreds of viewers. If you make a mistake like that, you may not be forgiven. If you're also known for public outbursts, you'll need to get that under control before you get behind the camera. . Persistence is a valuable skill any reporter/anchor should have. You'll not only need this skill to land that first job, but you'll need it to move up in the ranks and to really work hard to get that dream job you'll be fighting for. If you investigate your stories yourself, then persistence is a valuable quality that you'll need to make sure you can follow leads, look elsewhere when you get a dead end, and to keep trying until you succeed.


Problem: Write an article based on this summary: . Compare prices Go for the best value. Negotiate Shop at the right time.

Answer: uy in bulk. As a general rule, the more you buy, the better the deal. If it makes sense to go for the larger quantity of a product, it will save you money in the long run.  Today, there are many bargain retailers like Sam’s Club and Costco that carry nothing but bulk products. Remember to only buy in bulk when you’ll actually use all of whatever you’re buying over time. For instance, bulk food can be wasteful if you let it pass its expiration date without eating it. Good things to buy in bulk include foods with a long shelf life (like baking supplies, canned goods, or frozen foods), hygiene products (like shampoo, toilet paper, or toothpaste), and household cleaners and goods (like light bulbs, detergent, or trash bags). . Before you purchase anything, make sure that you’re getting it at the lowest possible price. For big purchases, do an internet search by the product’s name to see if you can find the best deal.  Price comparison websites, such as GoCompare, SuperMoneyMarket, and Price Runner, can be good resources for tracking down the best deals for products and services. When you shop for groceries, keep track of which store offers a given product most cheaply. Buying cheap products doesn’t necessarily save you money. If you go through half a dozen pairs of cheap shoes in the same time it would take you to wear out one pair at a higher price point, that’s not a good value. Look for products that will give you the most bang for your buck, not the ones that are the least expensive. Besides first-hand experience, the easy way to gauge the relative value of products is to read consumer reviews associated with each of your options to assess their comparative quality and customer satisfaction. . While not all price tags are negotiable, you’d be surprised at how many costs and payments are. Used goods, service agreements, insurances, rents, fees, benefits, salaries, and wages are all generally subject to negotiation. Approach the proceedings with confidences, firmness, and fairness, and you’ll often come out ahead.  Service agreements, such as communications services, credit card contracts, and even medical bills, are often negotiable. For instance, you could call a credit card company and say: “Hi, I recently received an offer for a card from another company with a low, fixed APR. Since I’ve been a longtime customer with you, I was wondering if you could match that rate. If not, I’ll have to go with the new company.” If you’re worried about attempting negotiations, try practicing in low-stakes venues where haggling is normal, like flea markets or estate sales. Ask the vendors questions like: “Are you flexible on that price?” or “Would you accept $60 cash for that chair?” Informed negotiators generally fare better. Do a little research into the market so that you have a better sense of what a good deal or fair cost would be. If you can say something like, “the Crain Dealership is offering this same car in the same condition but with fewer miles for $1000 less,” it makes your case more compelling. Be ready to walk away. To be a successful negotiator, you have to be ready to leave behind a bad deal. For example, if your credit card provider is not willing to reduce your APR to match that of a competitor, just say: “Alright, then can you please terminate my account?” Avoid buying things at full price. If you’d really like a particular item, wait to buy it until it’s on sale or a coupon item or offered as part of a special deal.  Sometimes this means buying things out of season, so plan ahead. For instance, you can get your Christmas presents or winter gear for the next year during post-holiday January sales. Similarly, you might wait to buy clothing until it’s on clearance at the end of the season instead of paying full price when a style is first released. When you grocery shop, let coupons help determine your purchases. If there are items on sale that you regularly use, stock up while they’re on discount. If you’re making travel purchases, research when the best time to buy a plane ticket is or wait until a particular airline is offering a deal. You can also sign up for fare alerts from travel sites like Travelocity or Kayak, which track the rates for each flight and offer predictions about whether they’re likely to go up or down.


Problem: Write an article based on this summary: Complete credit counseling. Locate federal bankruptcy forms. Locate the correct bankruptcy court. Determine relevant Florida exemptions.

Answer:
All persons filing for Chapter 7 or 13 bankruptcy must complete a credit counseling program from an approved agency.  You must complete the program within 6 months of filing for bankruptcy. You must also take a debtor education course after you file but before your debt is discharged.  You can find approved credit counseling agencies at: http://www.justice.gov/ust/eo/bapcpa/ccde/CC_Files/CC_Approved_Agencies_HTML/cc_florida/cc_florida.htm All bankruptcy filers must use the appropriate federal bankruptcy forms. Depending on the circumstances of your case, you may need to file some of the following forms:  Voluntary Petition for Individuals Filing for Bankruptcy. Application for Individuals to Pay the Filing Fee in Installments. Summary of Your Assets and Liabilities and Certain Statistical Information. Statement of Current Monthly Income. Chapter 7 Means Test Calculation (only if your income is above the state median income). Statement of Your Current Monthly Income and Calculation of Commitment Period. Calculation of Your Disposable Income.  You can locate all bankruptcy forms at: http://www.uscourts.gov/forms/bankruptcy-forms. Federal bankruptcy courts are located throughout the United States. You must file your bankruptcy petition in the federal judicial district where you have been living for 180 days before you file or the district where you maintain your home (domiciled).  You can locate your district court at: http://www.uscourts.gov/courtlinks . Once you locate your district court and its website, check whether there are any local forms that are required for your bankruptcy filing. Each state sets forth its own exemptions for bankruptcy proceedings. Exemptions are the property or assets that cannot be liquidated or counted against you in calculating your net worth. Florida does not allow its residents to use Federal bankruptcy exemptions but rather a resident must use the Florida exemptions. When preparing to file for bankruptcy, you must determine for which exemptions you qualify. These may include:  A homestead exemption, which allows a debtor to exempt an unlimited amount of value in your home when determining assets. Florida exempts certain personal property for up to a $1000. You can exempt up to $1000 in motor vehicle equity. For those not using the homestead exemption, the debtor can exempt $4,000 in personal property. Certain pension and retirement funds are exempt such as 401ks and Simple IRAs.  For a complete list of exemptions visit: http://www.nolo.com/legal-encyclopedia/florida-bankruptcy-exemptions-property-assets-bankruptcy.html.