Business Digest - May, 2009

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How to Cancel a Credit Card   Have a Safe Memorial Day    When to Buy Organic    Summertime Milkshake Recipes   

Saying Good-Bye: How to Write a Resignation Letter

When you are ready to move on to a new job, you will find yourself having to write a resignation letter. In general, a resignation letter is just a document stating that you are leaving your job. But just writing, "I quit," is not the way to go. These tips will help make your parting a bit easier.

Usually, a resignation letter is not a necessity but is a more formal way to state your intention to depart. However, if you are working under a contract, be sure to check if you are require to provide specific information and/or notice when you resign. If you are expecting severance pay, a bonus, or commission pay, you may wish to have an attorney review your letter.

What if you are leaving on bad terms? Resist the temptation to leave a letter detailing all of your gripes and complaints. It probably won't change a thing at your company. It can, however, keep you from getting a positive reference from the company in the future. If you must air your grievances, the best place to do so is at your exit interview. Remember that you can never be sure when you may need references in the future, so consider carefully how you leave things.

So what do you say in your letter? An example of an opening statement is, "It is with regret that I am notifying you of my resignation from this company. My last date of work will be ." If you are leaving with fond memories of your time at this company, you may wish to include statements about how you will miss your colleagues and what you learned while employed there.

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How to Cancel a Credit Card

There are several reasons you may want to cancel a credit card account: you may feel you have too many cards, you've paid it off and don't ever use it, or you've found better rates and terms somewhere else. Whatever your reason may be, there is a right way to close your account that does not lead to any damage to your credit report.

First, plan on paying off your balance before you cancel your credit card. You may do this by paying the balance or by transferring the balance to another card.

Once this is done, call the issuer by phone to confirm that your balance is zero. Notify the customer service representative that you are closing your account. You will also need to obtain the address to send a written confirmation that you are canceling your card.

Your letter to the credit issuer should state that you are closing your account and should request that this information be sent to the credit bureaus to include on your credit report. Don't forget to include your name, address, and account number in your letter. For added protection, send your letter by certified mail or return receipt requested so that you can prove your letter was received.

Closing your account can take up to 30 days. Once that month is over, get a copy of your credit report. There should be a notation stating, "Closed at customer's request." If the report simply states that the issuer closed your account, you will want to request that information be corrected, as that misstatement can negatively affect your credit report. To correct this error, you will most likely have to start again at the beginning of the process by contacting the credit card company and requesting to close your account and report the information to the credit report agencies.

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Have a Safe Memorial Day Weekend

Memorial Day marks the beginning of the summer recreation season. Unfortunately, it can sometimes be a time for accidents. Make sure that you and your family are safe this Memorial Day weekend by remembering these simple safety tips.

Drive Safely
More people will be on the road on Memorial Day weekend, making for congested roads and highways. Don't forget to always wear your seatbelt and observe all posted traffic signs and speed limits. It is especially important for children to be in proper child safety seats in your car. And never drink and drive.

Play Safely
If you are going to be spending time near or on the water, don't forget to be safe. If you will be on a boat, wear a life jacket, follow all boating rules, and don't operate a boat while drinking. If you will be swimming, remember to swim with a buddy, swim only in safe water, and never dive into shallow water. All children should be supervised at all times around any type of water. If you will be spending any time in the sun, don't forget to use sunscreen and wear a hat.

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When to Buy Organic

Buying organic meats, fruits, and vegetables does not always fit into everyone's budget. You may find that you can afford to only buy some organic food. It is helpful to know which foods are more susceptible to pesticides and herbicides--these are the organic foods you should buy if you have the money.

  • Meat: beef, pork, and poultry

  • Dairy: milk, cheese, and butter

  • Strawberries

  • Apples

  • Tomatoes

  • Potatoes

  • Spinach, lettuce, and other leafy greens

  • Coffee

  • Peaches and nectarines

  • Grapes

  • Celery

  • Bell peppers

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Summer Milkshake Recipes

Red, White & Blue Milk Shakes

  • 1 quart strawberry ice cream

  • 1 cup milk

  • 1/2 cup strawberry preserves

  • 1/4 cup frozen whipped topping, thawed

  • 1/4 cup fresh blueberries, washed

Combine the ice cream, milk, and strawberry preserves in a blender. Blend until well combined. Pour into glasses, top with whipped topping and blueberries.

Chocolate Peanut Butter Milkshake

  • 1 cup cold milk

  • 1/3 cup chocolate syrup

  • 2 tablespoons creamy peanut butter

  • 1-1/2 cups vanilla ice cream

Place ice cream, milk, chocolate syrup and peanut butter in blender. Blend until well combined.

Mocha Mudslide Milkshake

  • 1 cup milk

  • 2/3 cup sliced ripe bananas

  • 2 tbsp sugar

  • 1 tsp instant coffee

  • 1/4 cup vanilla low-fat yogurt

Place the milk, banana, sugar and coffee granules in a blender and blend until well combined. Freeze in a blender container for 1 hour or until slightly frozen. Loosen frozen mixture from the sides of blender container, add yogurt and blend until smooth. Garnish with banana slices.

Banana-Mango Milkshake

  • 1 whole mango

  • 1 whole banana

  • 2 scoops vanilla ice cream

  • 1 1/4 cup milk

  • 1 tablespoon sugar

Peel and pit mango. Peel banana. Place all ingredients into blender and blend until well combined.

Cafe Latte Milkshake

  • 1-1/2 cups cold coffee

  • 2 scoops vanilla ice cream

  • 2 tablespoons chocolate syrup.

Place all ingredients into blender and blend until well combined.

Root Beer Milkshake

  • 3 cups vanilla ice cream

  • 2 cups root beer

  • 1/2 cup milk

In a blender container, place ice cream and milk. Add root beer slowly to ice cream, blending 1/2 cup at a time. Blend until well combined.

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