European Stars and Stripes (Newspaper) - July 1, 2007, Darmstadt, Hesse                                Page 28 stars and stripes july 2007 your Money when dream Job Wake and examine options when it comes to your do you feel like banging your head against the Wall repeatedly until the pain subsides does your Boss seem to Hail from another speaking an alien language that Only he seems to comprehend somewhere along the has your dream Job turned into a seemingly inescapable night Mare lets face every Job is perfect in the be ginning before you have a Chance to figure out what is really going on around some Call it the honeymoon some Call it being no As time goes the tiny fault lines in your Job and within the organization As a whole be come excruciatingly the exciting i can conquer All things feeling you had on Day one Only to be re placed by the All Toorean gut wrenching sensation that things Are not As they should you Are not in Kansas when not but when that experience happens to dont vaporize yourself into another work first Experiment with the following Poten tial remedies to your some of them will be proactive others will use the one that Best fits your charming personal Ity and unique situation re 1 do absolutely nothing and Hope that your Situa Tion will magically improve on its own or with the Assis Tance of some divine denial and Blind Faith can be a winning Combina Tion for the hopelessly optimism you do believe in fairies you do you do re 2 look at the big try to remove yourself emotion ally from your role in the mad Ness and Analyse the situation As objectively As what has changed to make your dream Job seem More like a Nightmare is it possible that nothing has changed and you Are just now be ginning to see the reality for what it truly is in your motivated quest for did Job talk Janet Farley there is no shame in moving on to bigger and better thing to rectify the re 3 hold the every relationship has its ups and the one Between you and your Job is no to expect to be on top of your professional game and compete with singing bluebirds 100 per cent of the time is untre instead of abandoning ship at the first sign of rough Bat ten Down the hatches and hold your Calmer seas May be just around the next just ask any re 4 refocus your common sense says that doing the same thing Over and Over and expecting Dif Ferent results if your work int working try to redefine it by refocusing your attentions that can mean you try to insert yourself into different roles or Volunteer to take on new tasks on the get that advanced degree youve been putting off for so any change in the status quo can be the just the thing to change the course of history and make your life better from 9 to 5 or 5 to re 5 forget about that work so what you have a whole other life to consider when youre not on the there Are other individuals in your life counting on you can choose to endure any pain dished out to you for the right Bucks and Perks As Long As you can hit the Golf course or the basketball court after this too shall eventually All you have to do is not let it get to after the source of your angst will eventually get Transfer or Courtesy of the Cycle of re 6 vaporize yourself into a new after exhausting All possible remedies Only to find that youre still mentally and professionally sex consider finding a new quietly and discreetly seek a new and challenging position that might be better suited to your talents and your Quality of there is no shame in mov ing on to bigger and better just make sure you carry you misread the corporate Cul any lessons Learned along with Ture writing on the Wall has a the Bottom line is that this is business and you have to take new regime moved in and changed that culture for you or have you stepped on someones toes along the Way and you now find yourself paying for it any such situation can produce its own Brand of pure once you pinpoint the Point of then maybe you can do some care of Janet Farley is the author of the Mill  career transition guide and the military spouses Complete guide to career her column appears monthly in stars and she can be contacted at  rite Check Cash ing president Joseph Coleman shown at one of his firms new York establish ments in april said such Busi Nesses Are better than Banks be cause Purchase the transactions you when you need prices Are there Are no Frank Franklin ii a millions keep account of wages without Bank by Jeannine Aversa the associated press Washington grandma stuffing Money under the mat Tress int the Only one living out Side the banking As Many As 28 million people in the United states Are forgoing traditional financial institutions be cause of cultural and language barriers or a belief that by the time All the Bills Are paid there will be nothing left for an a that can be expensive and people can run up big fees to Cash pay Bills and meet their other financial walking around with Large amounts of Cash can make them a target for the backless Are estimated to earn hundreds of billions of Dol Lars a year in seeing a business Banks Are trying to draw in these potential Are Check cashing businesses and re including Many still re preferring to remain in the financial they tend to be panic or Blacks especially As Well As Low income and according to the Federal re about one in 12 families percent does not have a Bank the number is higher for the a Quarter of fam Ilies earning less than the fed citing 2004 for like Rosa the financial choices can be bewail i dont understand about this Bank says who lives in a nagging fear that she might make a mistake if i dont keep up with it right or something keeps her from open ing an she had one but she had trouble keep ing track of her she thinks that when the account she owed the Bank Carlos a is afraid that if he opens a Bank account in the he will get hit with fees for not keeping in enough Money or for taking out More Money than he my Uncle sometimes says that its expensive because if you dont have Money in the the Bank is going to be charging Maren Leonel a Hospital is not comfortable with Banks in this both he and Maren do their financial transactions at a Check cashing outlet in the Adams Morgan neighbourhood of they say it is convenient and they like knowing up front what they will be charged to Cash their buy Money orders in Marens wire Money to his native he has a Bank account its not real Maren yet those charges can add a consumer federation of America Survey of Check cashing outlets found that on average it families without checking accounts the most common reason Given by families who do not have a checking account was that they do not write enough a recent Survey reasons for not having an account do not write enough checks of not like dealing with Banks do not have enough Money minimum balance is too manage an account service charges Are too High other source the Federal Reserve a Cost to Cash a social Security Check last a Blu Collar worker pays an aver age every week to Cash a Handwritten paper having a Bank account can be if it is not Man aged failure to keep track of an account balance can incur a penalty of to each time a Check is bounced or an account is it can be costly to be outside the banking the poor pay says John economics professor at Swarthmore on the other if All you did is take that Low income per living paycheck to paycheck and moved them into the banking system and they Are bouncing checks and incurring you Haven done much and you May not have done them a Cas key Banks have an economic inter est in reeling in people outside the banking system 10 million to 28 million individuals who earn billion a year and turn them into customers who eventually May need Loans to buy cars and other Banks Are working through Community groups to ease build Trust and to educate people about financial it is a Challenge that can take Bank officials what May work in Houston does not necessarily prove fruitful in the Odic has spearheaded a project to help bring the backless into the financial financial Community groups and others Are teaming up in nine markets including parts of los Angeles and to provide services including affordable Small Check Cash savings and financial Educa Tion and for wiring Money outside the Federal Reserve research found that the most common Rea son families gave for not having checking accounts was that they see accounts on Page 29