jobs http://www.wisebread.com/taxonomy/term/1488/all en-US Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_outside_photographer_000025506033.jpg" alt="Woman making money and actually having fun" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most people rarely have fun during their workday. And that's because you're there to work, not play. But with the gig economy going full steam ahead, folks young and old are finding ways to make money by doing things they enjoy. Besides, if you thoroughly enjoy your work, it won't feel like work. You'll be more interested in taking on similar projects, and you'll make more money as a result. You might even get to a point where you can turn your fun side job into a full-time career. Not bad, right?</p> <p>Here are 68 coolest ways to make extra money that won't feel like work at all.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_working_from_home_000025337892.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/22-websites-that-will-pay-you-to-write-for-them?ref=fbf">22 Websites That Will Pay You to Write for Them</a> &mdash; If you spend your free time writing stories and poetry, why not make a little money at it? Tons of websites and brands are looking for digital content creators, and these 22 sites are a fantastic place to start.</p> <p><a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers?ref=fbf">6 Great Side Jobs for Book Lovers</a> &mdash; If you prefer the company of books to people, these side gigs are perfect for you. That's right, your love of literature will help you bring home the bucks! Not bad, right?</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000057673262_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/12-great-side-jobs-for-outdoorsy-types?ref=fbf">12 Great Side Jobs for Outdoorsy Types</a> &mdash; Being trapped inside behind a desk sounds like a nightmare, yes? Well, there's no need to be stuck indoors all day when you could be making extra cash while spending your days in the great outdoors.</p> <p><a href="http://www.wisebread.com/get-paid-to-watch-your-favorite-tv-show-live?ref=fbf">Get Paid to Watch Your Favorite TV Show Live</a> &mdash; Yep, that's right. You can actually make money by watching TV. Being paid to be an audience member at a live show in cash, prizes, and free food isn't a bad way to earn a buck. And it certainly won't feel like work.</p> <p><a href="http://www.wisebread.com/20-places-besides-etsy-to-sell-your-handmade-goods?ref=fbf">20 Places Besides Etsy to Sell Your Handmade Goods</a> &mdash; If your hobbies include arts and crafts, you might want to consider selling them online. Your creative projects deserve more than to collect dust on a shelf. Sell them on etsy or any of these 20 sites and you might develop a booming little side hustle.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000024530979_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/how-to-make-400-a-week-as-a-pet-sitter?ref=fbf">How to Make $400+ a Week as a Pet Sitter</a> &mdash; Believe it or not, you can make a solid income from walking dogs, and hanging out at other people's homes with their pets. You will obviously need to care for their pets and keep things tidy, but it's not a bad way to earn extra money, especially if you're an animal lover.</p> <p><a href="http://www.wisebread.com/6-ways-to-make-extra-money-using-social-media?ref=fbf">6 Ways to Make Extra Money Using Social Media</a> &mdash; If you're a social media maven and have accrued a large mass of followers on your own, here are six brilliant ways to make some cash from your likes and shares. Becoming a brand ambassador or influencer can land you a load of free stuff and potentially a decent chunk of change. Cha-ching!</p> <p><em>What are some other fun side jobs? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-smart-summer-side-jobs-for-new-grads">6 Smart Summer Side Jobs for New Grads</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-side-jobs-for-people-who-are-good-with-money">6 Side Jobs for People Who Are Good With Money</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-can-earn-more-money-heres-how">You CAN Earn More Money — Here&#039;s How</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Job Hunting easy jobs extra income fbf flashback friday fun jobs job search jobs make money side hustles side jobs Fri, 13 May 2016 10:00:10 +0000 Chrissa Hardy 1708887 at http://www.wisebread.com Flashback Friday: 62 Ways Introverts Tend to Win at Life http://www.wisebread.com/flashback-friday-62-ways-introverts-tend-to-win-at-life <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-62-ways-introverts-tend-to-win-at-life" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_happy_shy_000025959428.jpg" alt="Woman is an introvert and winning at life" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Who runs the world? Introverts. They just do it behind the scenes and out of the spotlight. We are living in an era when introverts are finally understood &mdash; and even celebrated. And let me tell you&hellip;. <em>it's about time</em>.</p> <p>Society has historically catered to extroverts, with their eager participation and sweat-free handshakes. But while the extroverts have been running around, seeking conversations with others and pulling energy from crowds, introverts have been off to the side, thinking, analyzing, and honing their skills internally. And just waiting for the cue to take over the world.</p> <p>Here are all the ways introverts emerge victorious.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/shy_woman_working_000068919647.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-reasons-introverts-make-the-best-employees?ref=fbf">6 Reasons Introverts Make the Best Employees</a> &mdash; Introverts don't understand, and therefore do not partake in office gossip or office politics. They don't speak up in meetings unless they have something extremely helpful to share. They also value honest, straightforward communication with their colleagues and are extremely loyal to the company they choose to keep. Why <em>wouldn't</em> you want an introvert (or several) on your team?</p> <p><a href="http://www.wisebread.com/10-great-side-jobs-for-introverts?ref=fbf">10 Great Side Jobs for Introverts</a> &mdash; Introverts love their quiet time, and have probably spent years developing skills and hobbies that would make excellent side jobs. As we move deeper into the digital age, wherein many jobs can be done from home, introverts will continue raking in the cash without disturbing their quiet environment.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_camera_photo_000054266132.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/8-best-hobbies-for-introverts?ref=fbf">8 Best Hobbies for Introverts</a> &mdash; One of the best things about introverts, is that they're never, ever bored. Without the desire to have regular social interaction, they are free to dabble in many hobbies at once. And these are perfect for any introvert to try.</p> <p><a href="http://www.wisebread.com/the-10-best-high-paying-jobs-for-introverts?ref=fbf">The 10 Best High Paying Jobs for Introverts</a> &mdash; It might seem like the high rollers of the world are outspoken, charismatic celebrities &mdash; who cannot get enough of the spotlight. But introverts rely more on their brilliance and creativity to get ahead, and these jobs allow them to make just as much as your average successful extrovert.</p> <p><a href="http://www.wisebread.com/the-12-best-weekend-activities-for-introverts?ref=fbf">The 12 Best Weekend Activities for Introverts</a> &mdash; Another stellar skill that introverts possess: relaxation. So when Friday arrives, introverts tend to do weekends better than anyone. All they need is a cozy space and a good book and they will be set until Sunday.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/woman_reading_book_000061374724.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/9-reasons-alone-time-is-good-for-your-soul?ref=fbf">9 Reasons Alone Time Is Good For Your Soul</a> &mdash; Everyone could use a little more alone time. Time to decompress, and time to breathe. This has always been a staple of the introvert lifestyle. And those who make it a priority are ahead of the rest.</p> <p><a href="http://www.wisebread.com/7-everyday-situations-that-introverts-ace?ref=fbf">7 Everyday Situations That Introverts Ace</a> &mdash; A common misconception about introverts is that they're shy and hate talking to people. Not true. They just don't like a lot of external noise or distractions. So intimate gatherings and one-on-one discussions are just two everyday scenarios in which introverts shine bright like a diamond.</p> <p><em>Are you an introvert? Share all the ways you're winning at life. </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-62-ways-introverts-tend-to-win-at-life">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-95-best-ways-to-get-fit-for-free">Flashback Friday: The 95 Best Ways to Get Fit for Free</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-107-best-breakfast-hacks-to-start-your-day-off-right">Flashback Friday: The 107 Best Breakfast Hacks to Start Your Day Off Right</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-76-best-life-lessons-you-should-learn-by-30">Flashback Friday: The 76 Best Life Lessons You Should Learn by 30</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Career and Income fbf flashback friday introversion introvert introverts jobs jobs for introverts personality traits social anxiety Fri, 06 May 2016 10:00:11 +0000 Chrissa Hardy 1704673 at http://www.wisebread.com You Don't Need a Retirement Plan — You Need a Financial Independence Plan http://www.wisebread.com/you-dont-need-a-retirement-plan-you-need-a-financial-independence-plan <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/you-dont-need-a-retirement-plan-you-need-a-financial-independence-plan" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/saving_retirement_fund_000088359337.jpg" alt="Learning the alternative to retirement" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In the golden age of a &quot;job for life,&quot; and when defined benefit pensions were the standard, all you had to do was tough it out to hit the jackpot. A mere 40 years of employment, and you struck lucky in your golden years.</p> <p>Whether the idea of working in the same place for a lifetime fills you with nostalgia or horror, the reality is that those days are long gone.</p> <p>Without a steady employer doing the hard work for us, traditional notions of retirement planning do not work. The alternative, it seems, is the ostrich approach, with 48% of working age Americans saying they have never even tried to calculate the amount of savings they might need for a comfortable retirement. Ignorance might be bliss in the moment, but it's no genius long term plan. So what's the better option?</p> <h2>What Went Wrong With Retirement?</h2> <p>The Employee Benefit Research Institute (EBRI) found, in their 2016 survey measuring retirement confidence, that nearly one in five American workers (19%) were <a href="https://www.ebri.org/pdf/surveys/rcs/2016/PR1157.RCS.22Mar16.pdf">not at all confident</a> in their ability to finance a comfortable retirement. For these workers, options are limited &mdash; spend less now, work for longer, and be prepared to compromise more on the lifestyle they expect in later years. Not a happy picture.</p> <p>To add insult to injury, working longer is not actually a viable option for many of us. The EBRI reported a large gap between expectations and outcome, with a massive 37% of people saying they expect to work past the age of 65, compared to the more modest reality of only 15% of retirees in 2016 who were older than 65. This is often because options to continue working later in life become limited, with layoffs and declining physical health ending working lives without regard to the size of one's pension pot.</p> <p>So with working until you drop off the agenda, what can we do to improve the prospects of having a happy, and financially secure retirement?</p> <h2>Start Thinking Personal Financial Independence</h2> <p>Ironically, part of the solution might actually be to stop thinking about retirement, and replace that thought with one of &quot;personal financial independence.&quot;</p> <p>Retirement today has changed as much as working life has, meaning there is no longer a cookie cutter approach to retirement planning that can be relied upon. The answer instead is to get educated about your household finances, with a focus on achieving personal financial independence &mdash; for life, not just for your later years. Getting clued up about your money is the only way to do that.</p> <h2>Start Creating It</h2> <p>Pull your head out of the sand, and get a realistic grip on what savings you have &mdash; and what you will need to finance your retirement.</p> <h3>Do the Math</h3> <p>Work out what you will want to <a href="http://www.wisebread.com/how-much-can-you-afford-to-spend-in-retirement">spend in retirement</a>. Tools are out there to help, like this <a href="http://money.cnn.com/calculator/retirement/retirement-need/">retirement calculator</a>, which helps you calculate what you might need to save to achieve a desired financial return in future. If you don't have an idea of your goal, then planning is a whole lot more difficult.</p> <h3>Optimize What You Have</h3> <p>If you have money in 401K plans, then you're in a strong position already. But don't just assume that it's being managed in your best interests. <a href="http://americasbest401k.com/fee-checker/">Check out the fees</a>, which vary wildly and through a compounding effect can whittle away your savings at an alarming speed. Once you can safely withdraw from your 401K without incurring penalties, you will be able to choose to take a lump sum if you wish, to help you achieve the magic 4% number described below.</p> <h3>Understand the 4% Rule</h3> <p>A common premise of modern retirement planning calculations is the &quot;4% rule&quot; which assumes that you can live happily on the growth of a savings pot, without significantly denting the principle, so long as you withdraw no more than 4% per year. This principle, put forward by Bill Bengen in 1994, has <a href="http://www.forbes.com/sites/robertberger/2015/05/20/how-much-do-you-really-need-to-retire/#90464644939a">come under some scrutiny</a> due to our current turbulent times &mdash; but as a starting point is still considered a sound measure.</p> <p>Here's how it works.</p> <p>Start with the amount of money you think you will need to finance your retirement lifestyle. Multiply this by 25 to get the amount of savings you need to have to make that number a reality if the 4% rule is applied.</p> <p>Then sit down, because in all likelihood that number is going to be scary.</p> <p>If you calculated that you would like a household income of $40,000, then the sums say you need a pot of a cool million. How hard this really is to achieve depends on your current position. If you're just setting out and don't plan to retire for 40 years, you will need to save something like $640 a month (shared out among the earning members of the household &mdash; so half that if you're in a couple), assuming a <em>modest </em>5% return on your investment. If you plan to retire a lot sooner, or do not not have existing savings or 401K plans, this number might be more daunting.</p> <p>If the savings you need to achieve financial independence feel unrealistic, then it's time to start thinking of the levers you have to close the gap. Earn and save more, or plan to spend less, perhaps through lifestyle adjustments or by taking <a href="http://www.wisebread.com/5-incredible-places-to-retire-abroad-that-anyone-can-afford">advantage of geographic differences</a> in things like cost and quality of living. Or, plan to manage your retirement as a gradual wind down, continuing to be economically active after your usual retirement age, but in a flexible role. Considering these options now, rather than being pushed into them at the point you wish to quit working, is far more likely to have a happy ending.</p> <p>The new world of planning for later life brings with it more choices, but also more questions to mull over and decisions to make. Instead of facing these questions, too many of us are ignoring the issue. Experience shows that working longer (or windfalls, or a fairy godmother) is unlikely to be the answer. Getting clued up about your money <em>now</em> is the only way to give yourself a shot at the golden years you deserve.</p> <p><em>What do you think? What is the optimum way to plan for your retirement now?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/you-dont-need-a-retirement-plan-you-need-a-financial-independence-plan">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/one-smart-thing-you-can-do-for-your-retirement-today">One Smart Thing You Can Do for Your Retirement Today</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/which-retirement-account-is-right-for-you">Which Retirement Account Is Right for You?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-dumb-ira-mistakes-even-smart-people-make">5 Dumb IRA Mistakes Even Smart People Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement calculator careers financial independence jobs saving money working Mon, 25 Apr 2016 09:30:29 +0000 Claire Millard 1693265 at http://www.wisebread.com 6 Great Retirement Jobs http://www.wisebread.com/6-great-retirement-jobs <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-great-retirement-jobs" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000084253925_Large.jpg" alt="looking for a great job in retirement" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With the cost of living always on the rise, retirees are looking for creative ways to supplement their incomes. And for those living on fixed incomes, finding part-time work can be tricky and sometimes challenging, because they cannot exceed the SSI annual earnings threshold of $15,720, and $41,880 for those in their first full year of retirement. But, if you're looking for ways to supplement your income, here are five great part-time retirement job ideas.</p> <h2>1. Local Tour Guide</h2> <p>The sharing economy is making all sorts of short-term side jobs available, and if you've got a lot of local knowledge, consider setting yourself up as a tour guide on a service like <a href="https://www.vayable.com/">Vayable</a>. Rates range from $50&ndash;$85 per person, per tour. If apps and computers are not your thing, check with local tour operators or local tourist attractions about picking up a shift or two. You'll put your wisdom and experience to work &mdash; and you'll meet lots of great people, besides.</p> <h2>2. Tutor or Teach</h2> <p>You don't need a background as a teacher in order to help others learn. If you're good at math, English, or any other subjects, consider tutoring or teaching part-time. You can set your own rates, and signing up with a tutoring website like <a href="http://www.varsitytutors.com/">VarsityTutors</a> will pair you with students. And there are so many opportunities to teach, because it goes beyond the classroom these days, as many people prefer the convenience of online courses.</p> <h2>3. Babysitter</h2> <p>Do you have an interest in working with kids? If so, it could be a valuable skill-set. Part-time babysitters can earn as much as $25 per hour, and they work on their own terms. Plus, if you already have experience working with kids, and a flexible schedule, you'll probably find lots of job opportunities.</p> <h2>4. Postpartum Doula</h2> <p>Jackie Prescott, founder of <a href="http://www.firstbumpthenbaby.com/">First Bump Then Baby</a>, says becoming a modern-day baby nurse is a great way for older women (and men!) to earn money, because it's essentially about mothering new mothers and helping new parents to quickly feel at ease.</p> <h2>5. Tax Preparer</h2> <p>Some people think of tax preparation services as a seasonal job, but the truth is, many self-employed individuals and businesses deal with tax issues year-round. If this is a skill-set that you possess, it can earn you a sizable penny. But, because it is so lucrative, be careful not to cross the annual earnings threshold if you're receiving SSI.</p> <h2>6. Become an Uber or Lyft Driver</h2> <p>The Uber and Lyft car sharing programs have grown to reach every city, and they're looking for drivers everywhere. Anyone with a valid driver's license and clean criminal record is eligible to become a driver. Drivers are of all ages and professional backgrounds. Many are stay-at-home moms and current and former professionals seeking a way to earn extra income. (See also: <a href="http://www.wisebread.com/how-to-earn-extra-money-driving-for-uber-or-lyft?ref=seealso">How to Earn Extra Money Driving for Uber or Lyft</a>)</p> <p><em>What are some other great side jobs for retirees? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/qiana-chavaia">Qiana Chavaia</a> of <a href="http://www.wisebread.com/6-great-retirement-jobs">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers">6 Great Side Jobs for Book Lovers</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-smart-summer-side-jobs-for-new-grads">6 Smart Summer Side Jobs for New Grads</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-great-side-jobs">30 Great Side Jobs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-employer-benefits-that-can-leave-more-spending-money-in-your-pockets">7 Employer Benefits That Can Leave More Spending Money in Your Pockets</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Extra Income Retirement extra money jobs part-time jobs retirement jobs side jobs Fri, 22 Apr 2016 09:00:09 +0000 Qiana Chavaia 1695168 at http://www.wisebread.com 5 Lessons That Teach Your Kid to Be Their Own Boss http://www.wisebread.com/5-lessons-that-teach-your-kid-to-be-their-own-boss <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-lessons-that-teach-your-kid-to-be-their-own-boss" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/kids_lemonade_stand_000082855427.jpg" alt="Kids learning lessons that teach them to be their own boss" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Even if you don't want &mdash; or expect &mdash; your child to be in business for themselves, fostering an entrepreneurial spirit can be beneficial in many ways. Strong leadership skills and confidence can go a long way, no matter what career path your child ends up pursuing.</p> <h2>1. Teach Kids the Importance of Passion and Purpose</h2> <p>Ask your child what their wildest dreams are, and what they would do for the rest of their lives, even if it didn't make much money. The point is to see what they are passionate about. While not every passion of theirs will be profitable, it is important for them to pursue something they love so that they don't experience burn out later in life.</p> <p>Teach them to chase fulfillment rather than a filled wallet. For example, if they are really interested in being an EMT and helping people, but choose to pursue being a lawyer because it means more money, then they will feel unsatisfied with their lives no matter how much money they make.</p> <h2>2. Goal Setting Is a Must</h2> <p>Setting goals is more than just picking random resolutions in the beginning of the year. The act of goal setting is essential for developing discipline and giving a child the first taste of success.</p> <p>What kind of goals can your children have? Start with goals that center around what your children love and find interesting. For example, if your child loves to read or is on the soccer team, set slightly challenging goals that they will enjoy working at, such as reading two books in a week or scoring goals in consecutive games.</p> <p>As your children become more interested in goal setting, set goals for their weaker areas, such as getting an A or B on the next math test or keeping their room clean for a week. Your child will understand that continually setting goals helps shape them into the person they wish to be &mdash; and it can be fun. Goal setting can dramatically improve every area of an individual's life, so don't underestimate the importance of it.</p> <h2>3. Encourage Creative Thinking and Problem-Solving</h2> <p>When your child comes to you with a complaint or problem, encourage them to think outside the box on how to solve it. Maybe their problems include keeping their lunch warm or dealing with another kid who teases them at school. Brainstorm possible solutions to each problem, encouraging both logical and off-the-wall solutions.</p> <p>Some of the most successful people today are individuals that solved a problem with a unique or out-of-the-box idea.</p> <h2>4. It's Never Too Early to Teach Networking</h2> <p>Effective communication skills are essential for building up relationships. Kids naturally think and talk about themselves all of the time. Many adults have this same problem, too. The issue with this is that they miss opportunities to connect and learn from others. Encourage your children to ask others thought-provoking and non-invasive questions that others will love to answer. Have your children try these simple questions out on adult family members and family friends:</p> <ul> <li>What is your favorite thing about your job?<br /> &nbsp;</li> <li>What would you tell your x-year-old self (using your child's age)?<br /> &nbsp;</li> <li>What do you wish you learned in school if you could learn anything?</li> </ul> <p>These questions are meant to teach your children how to engage others in a thoughtful discussion, while practicing deeper listening skills. They might even learn something along the way. Sadly, most teens and young adults are well-versed in text messaging and social media, but cannot effectively network in person.</p> <h2>5. Get Hands-On Experience</h2> <p>While teaching goal setting and effective communication are essential, it is also important to jump into a small business to get hands-on experience. The business does not have to be the next greatest thing or one that is time-consuming. Try starting a weekend lawn service, pet walking service, or a mobile car washing business. Be sure to understand the child labor laws and income limits for your area before starting.</p> <p>The goal is to have your child to think about advertising, gaining clients, keeping clients, and working hard. While making a few bucks on the side will be a great incentive for your child, the real lessons come from doing. Even a failed business will teach your child or teen valuable lessons.</p> <p>Growing an entrepreneurial spirit in your child is a slow and steady process. Schools are so great at teaching children how to read and do complicated math equations, but when it comes to fostering an entrepreneurial spirit, many schools do not even touch on those valuable lessons. (See also: <a href="http://www.wisebread.com/7-places-teens-and-adults-can-learn-about-money?ref=seealso">7 Places Teens (And Adults) Can Learn About Money)</a></p> <p><em>How have you helped encourage an entrepreneurial and business-savvy spirit in your child or teen? </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/5-lessons-that-teach-your-kid-to-be-their-own-boss">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-bad-money-habits-youre-teaching-your-kids">4 Bad Money Habits You&#039;re Teaching Your Kids</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-keep-your-kids-prom-from-ruining-your-budget">10 Ways to Keep Your Kid&#039;s Prom From Ruining Your Budget</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/does-your-kid-need-an-ira">Does Your Kid Need an IRA?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-fun-games-that-teach-your-kids-about-money">6 Fun Games That Teach Your Kids About Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-protect-your-business-during-a-divorce">5 Ways to Protect Your Business During a Divorce</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entrepreneurship Family creative thinking entrepreneurial skills finding passion goal setting jobs kids lessons teens Tue, 12 Apr 2016 09:00:07 +0000 Ashley Eneriz 1687116 at http://www.wisebread.com Protect Future Earnings by Negotiating the Right Starting Salary http://www.wisebread.com/protect-future-earnings-by-negotiating-the-right-starting-salary <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/protect-future-earnings-by-negotiating-the-right-starting-salary" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000057902276_Large.jpg" alt="negotiating the right starting salary" title="" class="imagecache imagecache-250w" width="250" height="126" /></a> </div> </div> </div> <p>Money is how we all survive, and hopefully, also thrive. So it's no surprise that your starting salary can have a huge impact on your future salary and wellbeing. A small difference in pay now can mean a big difference later. Set yourself up for success down the road by getting a fair starting salary now.</p> <h2>A Small Increase Makes a Big Difference</h2> <p>Earning a little bit more now can mean a big difference in your future savings and accumulated income. Thanks to compound interest, investing or saving money earlier on will result in more gains later.</p> <p>Every year that we face inflation, each dollar you earn is worth less. That means your overall salary will be worth less every year that you don't receive a raise over the inflation rate. Starting with a higher salary can help provide a cushion from inflation and the risk of not receiving raises.</p> <h2>Effects on Future Salaries</h2> <p>Your starting salary now will serve as the foundation for your future salary. In fact, Forbes declared that your first starting salary is the most crucial of them all. Your starting salary now will become what you expect to be earning later.</p> <p>If you decide to start a job elsewhere, you can request a higher starting salary than you currently have. Your new employer will also want to know what your starting and ending salaries were at your last position to begin negotiations. If you had a high salary before, chances are you can expect to make that same amount at the new company (or more). They will also want to know about your previous raises, so having higher raises now can also mean a higher starting salary later.</p> <h2>Effects on Future Raises</h2> <p>Raises are never guaranteed, so starting at a higher salary can help protect you in the event that you don't receive a raise anytime soon. If you do receive a raise, they are often awarded on a percentage basis, so having a higher starting salary will result in a higher raise.</p> <p>For instance, if you accept a position at $40,000 and receive a 5% raise every year, you'll receive a $2,000 raise in the first year. If you had negotiated the starting salary to $45,000, your first-year raise would be $2,250. After 20 years, your salary will be $106,131.91 if you had accepted the initial $40,000 offer (with a 5% increase every year); it would be $119,398.40 if you had negotiated to $45,000 in the beginning. Just imagine what you could do with all the extra money.</p> <h2>Effects on Benefits</h2> <p>Benefits are often based on a percentage of your compensation. Starting with a higher salary means you will likely receive a better benefits package as well. For instance, if you have employer-sponsored retirement benefits, they will be investing more money into your future retirement if it is based on a percentage of your salary.</p> <h2>Negotiating Is Key</h2> <p>Your employer is likely going to negotiate your salary anyways, so it is better to start high. This way, even if they negotiate your pay downwards, you will still probably be happy. You may not get <em>exactly </em>what you ask for, so starting higher means that when the company negotiates lower, you will still make out well.</p> <p>The key to success is in finding the perfect negotiation amount. Go in equipped with the average pay in your field, your starting and ending salaries at your last position, and information on your raises over time. Make sure to sell yourself and your abilities so that you have greater negotiating power.</p> <p>It's also important that you choose the right timing to negotiate. The best time is during the final rounds of interviews after you've been offered the job, but before you sign any contracts. At this time, the employer will already be impressed and want to sign you on.</p> <p>Don't feel nervous about negotiating &mdash; your future employer is most likely expecting it. If you don't negotiate, you may be turning your back on money that was there for the taking. Remember, the worst thing they can say is &quot;no.&quot; (See also: <a href="http://www.wisebread.com/how-to-negotiate-higher-pay-at-your-next-new-job?ref=seealso">How to Negotiate Higher Pay at Your Next New Job</a>)</p> <h2>The Potential Risks</h2> <p>While there are a variety of benefits associated with having a higher salary, there are also a few potential risks. Having a higher salary than your colleagues can make you more vulnerable at layoff time. It can also make it more difficult for you to land a future job because they may consider you overqualified &mdash; or overcompensated. Unusual factors like your high school grades, previous employer references, and even your credit report can affect your starting salary, so the best thing you can do is prepare an impressive resume, ace your interviews, and go in prepared with the right information.</p> <p><em>Have you felt the effects of negotiating for a higher salary? Please share your thoughts in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/protect-future-earnings-by-negotiating-the-right-starting-salary">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-certifications-that-add-big-to-your-salary">7 Certifications That Add Big $$ to Your Salary</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-careers-that-pay-women-more-than-men">7 Careers That Pay Women More Than Men</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-underpaid-how-to-figure-out-what-salary-you-deserve">Are You Underpaid? How to Figure Out What Salary You Deserve</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/seven-tips-for-the-newly-unemployed">Seven Tips for the Newly Unemployed</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/five-j-o-b-s-that-aren-t-that-b-a-d">Five J.O.B.’s That Aren’t That B.A.D.</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income income jobs making money money negotiating salary salary negotiation starting salary Mon, 11 Apr 2016 09:00:05 +0000 Andrea Cannon 1687441 at http://www.wisebread.com 6 Great Side Jobs for Book Lovers http://www.wisebread.com/6-great-side-jobs-for-book-lovers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-great-side-jobs-for-book-lovers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000053753692_Large.jpg" alt="looking for a perfect job for a book lover" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Bookworms and knowledge seekers, rejoice! You can make money off your insatiable thirst for a good story. No matter your day job, there are lots of ways to earn a little extra side cash by capitalizing on the very things you like to do in your free time &mdash; namely, reading. Here are several side gigs that are made for cash-strapped book lovers. (See also: <a href="http://www.wisebread.com/17-cool-jobs-for-book-lovers?ref=seealso">17 Cool Jobs for Book Lovers</a>)</p> <h2>1. Blogger</h2> <p>Bloggers are a dime a dozen these days. But talented bloggers are actually quite valuable. If you have the foresight and the skill to make sense of life's little intricacies, or the daily happenings in the news &mdash; and if you can write about it with gusto, ease, and good grammar &mdash; there's a special place for you in the bookmarks bar of countless people perusing the Internet.</p> <p>Further, if you have something smart and interesting to say, and you're not going to just regurgitate what's already been said, then you can make it. And these very qualities will help you attract a following. That's the hardest part of cracking into the blogosphere business. But once you've cultivated a following with your stellar content, there are several ways to go about <a href="http://www.wisebread.com/5-easy-ways-to-make-extra-money-blogging">making a few extra cents</a>. From ads and affiliate links, to product reviews and targeted social media promotion, you'll be on your way to supplementing your income in no time.</p> <h2>2. Museum Tour Guide</h2> <p>A part-time tour guide gig at your local museum might just be the perfect way to earn an extra chunk of cash while bridging the gap between modern life and the world in your favorite history books.</p> <h2>3. Bookstore Clerk</h2> <p>A <a href="http://www.wisebread.com/11-great-apps-for-book-lovers">sincere love of literature</a> will land you an interview, at the very least, for a job at your local bookstore. If you're up for the challenge of helping customers find a literary adventure that suits their specific interests, and if you think you'd actually enjoy it, then the part-time bookstore clerk gig is made for you. Bonus: A coveted discount on books and other merchandise is a staple perk of the job.</p> <h2>4. Copy Editor</h2> <p>Grammar enthusiasts and punctuation snobs make for astute copy editors. And they're among the first to truly appreciate how important this job of proofreading for spelling, grammar, and content truly is. If you've any doubts, pick up a copy of any local newspaper that has done away with the position due to budgetary restraints. Quite often, copy editor-less content is painfully comical due to spelling and grammar mistakes. Newsletters, newspapers, books, and internal business communications are just a few examples of the kind of copy that needs editing. Look for advertised gigs or advertise your services directly to the folks who run these sort of operations.</p> <h2>5. Writer</h2> <p>To the esteemed reader, writing might feel like a 360-degree role reversal. But if every great writer is a dedicated reader, the saying probably rings just as true for readers who dabble in writing, right? News stories, book reviews, advertising copy, guest blog posts, corporate newsletter content, poetry, short stories &mdash; the options for the for-profit freelance writer are endless.</p> <h2>6. Translator</h2> <p>If you are fluent in a language, especially one that's somewhat obscure, you can earn extra income online by seeking out translator jobs. Translatorgigs.com, Fivver, and Freelancer.com are great places to begin your search for gigs.</p> <p><em>What other jobs would be perfect for bookworms? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-smart-ways-to-save-on-audio-books">8 Smart Ways to Save on Audio Books</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-great-side-jobs">30 Great Side Jobs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Extra Income book lovers bookworm career job hunting jobs part-time jobs side jobs Mon, 04 Apr 2016 09:30:30 +0000 Brittany Lyte 1683389 at http://www.wisebread.com Flashback Friday: The 65 Best Career Tips We've Ever Shared http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-the-65-best-career-tips-weve-ever-shared" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_glasses_work_000075592811.jpg" alt="Woman learning best career tips ever shared" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your first job will probably not be your dream job. In fact, you might not land your ideal professional role until your fourth, fifth, or sixth job. Crafting a fulfilling career takes time, and hopefully your peers and mentors are sharing their wisdom with you along the way.</p> <p>But just in case that wisdom is hard to come by, and you need some additional assistance in your path to success, we've got some brilliant job search tips right here.</p> <p>Here are the 65 best career tips we've ever shared.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/000050916338.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a> &mdash; Answering any question during a job interview can be stressful experience. There's so much pressure to nail every answer that's it's easy to flub a response. Well, not anymore. This will help you nail all interview questions, and hopefully, get the job.</p> <p><a href="http://www.wisebread.com/6-extreme-job-interview-tactics-that-worked">6 Extreme Job Interview Tactics That Worked</a> &mdash; Sometimes the path to the stop requires standing out in a crowd. These unique interview tactics may seem extreme, but amazingly, they worked!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000071991467_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-career-tips-you-wish-you-could-give-your-younger-self">7 Career Tips You Wish You Could Give Your Younger Self</a> &mdash; Hindsight is always 20/20, right? Well, what would you tell your younger self about how to be professionally fulfilled? There might be some handy advice in there for you now, too.</p> <p><a href="http://www.wisebread.com/6-ways-to-transition-to-a-new-career-after-30">6 Ways to Transition to a New Career After 30</a> &mdash; Starting over in a new field is not easy, especially once you're past your 20s &mdash; when life is generally more flexible and suited to career changes. These tips will help you transition at any age.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/guy_fired_000052937386.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/fired-heres-how-to-keep-it-from-hurting-your-career">Fired? Here's How to Keep It From Hurting Your Career</a> &mdash; It happens to the best of us. Don't worry, losing your job doesn't mean your entire professional world has imploded. Pick yourself up, dust yourself off, and read this.</p> <p><a href="http://www.wisebread.com/10-things-you-should-never-do-during-a-job-interview">10 Things You Should Never Do During a Job Interview</a> &mdash; There are certain topics that should not be discussed and certain things you should never ever do during an interview. Know the rules before you go.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000068043419_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/11-signs-the-job-is-too-good-to-be-true">11 Signs the Job Is Too Good to Be True</a> &mdash; Don't fall for the job scam. There are plenty of jobs out there that are too good to be true, and here are all the telltale signs.</p> <p><a href="http://www.wisebread.com/the-best-times-of-year-to-start-a-job-search">The Best Times of Year to Start a Job Search</a> &mdash; Certain seasons are just better for job hunting. If you've got a job now, but would like to make a change in the near future, try to search when the time is right.</p> <p><em>What other career tips have you learned along the way? Share your wisdom with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-guerrilla-job-hunting-work-for-you">Make Guerrilla Job Hunting Work for You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-bounce-back-from-job-rejection">4 Ways to Bounce Back From Job Rejection</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-job-hunt-without-getting-caught">9 Ways to Job Hunt Without Getting Caught</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting career fbf flashback friday Job Interview job search jobs resume Fri, 11 Mar 2016 11:00:15 +0000 Chrissa Hardy 1670661 at http://www.wisebread.com 11 Financial Moves to Make the Moment You Get Fired http://www.wisebread.com/11-financial-moves-to-make-the-moment-you-get-fired <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-financial-moves-to-make-the-moment-you-get-fired" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000077659843_Large.jpg" alt="she needs to make these money moves after getting fired" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Just about everyone goes through a job loss at some point in their lives. Hopefully, any job loss you endure will only result in a short time out of work, and minimal financial hardship. But even if you expect your time between jobs to be short, there are a number of things you should do right away to ensure you can make it through a stretch of time with no income.</p> <p>As someone who endured two layoffs in the past, I can tell you that these steps will help keep you afloat until you <a href="http://www.wisebread.com/10-money-moves-to-make-after-a-promotion">land a new position</a>.</p> <h2>1. Determine if You Are Eligible for Severance and Vacation Pay</h2> <p>If you've been let go from a job, employers will often provide severance pay based on the length of time you worked there. You may also be paid for any unused vacation time. The company should explain your eligibility for these funds upon your termination, but if not, make a point to check with the human resources department. In some cases, you may have to engage an attorney to fight for what you believe you are owed.</p> <p>Companies generally aren't required to offer severance at all, but there are instances when you may feel you are due money for uncompensated overtime or other reasons. Just keep in mind that benefits may vary depending on if you were fired for cause or laid off through no fault of your own.</p> <h2>2. Assess Your Emergency Fund</h2> <p>Now is the time when your savings will come in handy. If you've followed the advice of many personal finance experts, you have at least three months of expenses available in liquid savings. But now is the time to assess precisely how much you have and what your expenses actually are. With proper savings and cuts to your spending, you should hopefully be able to pay your bills until you get back to work.</p> <h2>3. Reduce Unnecessary Expenses</h2> <p>You may <em>think</em> you're living frugally, but now is the time to really strip life down to the bare essentials. Your expenses should really come down to your rent or mortgage, utilities, and a modest food budget. (Keep the Internet and cell phone services, as you may need them for your job search.) But that cable TV subscription? Kill it. Gym membership? Suspend it. Avoid going out to eat, or shopping at high-end grocers. And turn down the thermostat a couple of degrees. Every penny you save now is money that will help get you through to the next job.</p> <h2>4. Assess Your Health Insurance Situation</h2> <p>If you received health insurance through your employer, your benefits may no longer be accessible to you. It's likely that you are eligible for COBRA benefits, which provide discounted coverage between when your benefits run out and when new benefits kick in. After a job loss, you usually have 60 days to apply for COBRA benefits, and they last between 18 and 36 months, depending on your situation. At this time, it's also worth exploring insurance options available under the Affordable Care Act at HealthCare.gov.</p> <h2>5. Apply for Unemployment Benefits (But Don't Necessarily Claim Them Right Away)</h2> <p>If you've lost your job, there's a good chance you'll be eligible for compensation from unemployment insurance. In most states, unemployed people are entitled to up to 26 weeks of benefits that are a portion of their previous salary. Note that earnings from part-time or freelance work can be deducted from unemployment benefits. You don't necessarily have to claim unemployment benefits right away if you still have some money coming in, but it's still important to research options and get your name into the system immediately after a job loss.</p> <h2>6. Accept Outplacement Service if It Is Offered</h2> <p>You may feel like you can do a job search by yourself, but if your former employer is connecting you with assistance for free, take it. Outplacement professionals can help you update your resumé, assess your skills to see what jobs might be right for you, and even help you with interviews and salary negotiations.</p> <h2>7. Update Your Resumé and LinkedIn Profile</h2> <p>Hopefully, these are things you've kept more or less up-to-date anyway, but if you haven't looked at them in a while, give them some attention now. You don't have to necessarily reveal that you are between jobs, but it's important to have up-to-date information on your skills and accomplishments. Be sure to make several resumés based on the different types of jobs you may be pursuing. (See also: <a href="http://www.wisebread.com/30-minutes-to-a-linkedin-profile-that-gets-you-hired?ref=seealso">30 Minutes to a LinkedIn Profile That Gets You Hired</a>)</p> <h2>8. Collect All Your Retirement Account Information</h2> <p>If you've lost your job, you're no longer going to be able to contribute to your company's 401K, or other similar retirement plan. You don't necessarily have to do anything with the account right away, but eventually, you may want to roll your old 401K into another 401K or IRA.</p> <p>In the immediate term, make sure you save the login and password information to the account, as well as any relevant paperwork. It will also be important to check your account balance to see how much of your matched contributions were &quot;vested.&quot; If you leave a company after a short amount of time, it's possible that the company can reclaim some matching contributions.</p> <h2>9. Adjust Your Auto Insurance Premium</h2> <p>What you pay for auto insurance is often partially based on how much you drive. If you are no longer commuting to work, you may be able to reduce your premium slightly by arguing that you're driving less. Your rate is especially likely to go down if you're no longer driving and parking in a dense, urban area.</p> <h2>10. Take a Breather</h2> <p>It's okay to take some time off before doing any hardcore thinking about your next career move. While you don't waste a lot of time in getting back to work, it's important to make decisions with a clear head. Do you want to remain in the same field? Do you want to start your own business? Do you even need to go back to work full-time? There is a lot to think about, so take some time. This is as much a financial move as one for your mental health, because the last thing you want to do is rush into a job that you're not suited for and find yourself back in the unemployment line again.</p> <h2>11. Reallocate Some Investments for Income</h2> <p>If you have some investments in a non-retirement account, it's worth examining whether you can adjust them to produce some income. It's not necessarily a good idea to immediately sell a large quantity of stocks or mutual funds, especially if they are for long-term savings. You certainly don't want to do anything rash. But perhaps a portion of your portfolio could shift to bonds or dividend stocks that will help bring you some extra cash.</p> <p><em>What other money moves should you make after getting fired? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/11-financial-moves-to-make-the-moment-you-get-fired">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-first-5-things-you-must-do-after-getting-laid-off">The First 5 Things You Must Do After Getting Laid Off</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/whats-an-employee-to-do-part-1">What&#039;s an employee to do? Part 1</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-save-money-when-you-are-unemployed">10 Ways to Save Money When You Are Unemployed</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-write-a-resume-12-steps-to-your-next-job">How To Write A Resume: 12 Steps To Your Next Job</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-signs-you-should-quit-your-job">8 Signs You Should Quit Your Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Budgeting employment fired getting fired job loss jobs layoffs money moves resume unemployment Tue, 08 Mar 2016 10:00:05 +0000 Tim Lemke 1667924 at http://www.wisebread.com The 4 Jobs People Quit the Most http://www.wisebread.com/the-4-jobs-people-quit-the-most <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-4-jobs-people-quit-the-most" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000066495397_Large.jpg" alt="this job has a high turnover rate" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With the January 2016 unemployment rate at 4.9%, the downward trend of U.S. unemployment that we have been experiencing since March 2014 continues. However, as with everything else, the devil is in the details.</p> <p>Having a job right now doesn't mean that you'll be holding that same job within the next year or so. And if you hold one of the four following jobs, high turnover rates indicate you'll be leaving a lot sooner than that.</p> <h2>1. Most Jobs at Amazon</h2> <p>In August 2015, the New York Times released a big exposé on <a href="http://www.nytimes.com/2015/08/16/technology/inside-amazon-wrestling-big-ideas-in-a-bruising-workplace.html?_r=0">Amazon's work environment</a> based on the accounts of more than 100 current and former &quot;Amazonians.&quot; While it's understandable that the online giant has to fight tooth-and-nail to preserve its position as the top retailer in the world, the expectations to deliver may be too overwhelming for most employees.</p> <p>&quot;Nearly every person I worked with, I saw cry at their desk,&quot; reported one employee in books marketing during an interview. &quot;You know that tomorrow you're going to look around and some people are going to have left the company or been managed out,&quot; wrote another former employee in advertising and marketing.</p> <p>According to a 2013 Payscale survey, the <a href="http://www.payscale.com/data-packages/employee-loyalty/full-list">median employee tenure</a> at Amazon is one year, ranking third to last in the Fortune 500 list. Working at Amazon may not only be a short stint, but also can affect your future job prospects. While the work conditions are grueling at Amazon, those same high expectations appear to consistently churn out individuals with a strong work ethic who are in high demand by some Seattle recruiters. Still, other local recruiters stay away from former Amazon employees because of their pugnacious nature.</p> <h2>2. Jobs in the Life Insurance Industry</h2> <p>On the same Payscale survey, many Forbes 500 companies in the life insurance industry had a low median employee tenure as well:</p> <ul> <li>Massachusetts Mutual Life Insurance Company: 0.8 year</li> <li>American Family Life Assurance Company of Columbus (AFLAC): 1 year</li> <li>New York Life Insurance Company: 1.4 years</li> <li>The Northwestern Mutual Life Insurance Company: 1.6 years</li> <li>Guardian Life Insurance Company of America: 4.7 years</li> <li>Metropolitan Life Insurance Company (MetLife): 5 years</li> </ul> <p>One of the main challenges of jobs in the life insurance industry is that they require you to stick around to actually start making a decent salary through referrals and residuals, yet those same jobs have a high churn rate (lots of personnel leaving within a short period of time). Difficulty in closing sales, high level of competition, and investment in certifications are some of the reasons for people to quit.</p> <h2>3. Registered Nurses (RNs)</h2> <p>The U.S. is facing a potential shortage of registered nurses. According to the U.S. Bureau of Labor of Statistics, the <a href="http://www.bls.gov/ooh/healthcare/registered-nurses.htm">average growth rate</a> for all occupations is 7% for the period from 2014 to 2024, while that for the registered nurse profession is 16%!</p> <p>Some surveys indicate that 43% of newly licensed hospital-based RNs leave their first jobs within three years of employment. On average, 17.5% of newly licensed RNs call it quits after just their first year. That rate is even higher for RNs in the East South Central region, with 25% of them leaving their first job.</p> <p>The high turnover rate is caused by several factors, including high stress, lack of colleague support, and high pressure from supervisors. While the 2014 median pay was $66,640 per year for RNs, many nurses feel that they are underpaid due to the long hours they are required to work. Some nurses work 12-hour shifts (sometimes longer), which leads to a <a href="http://www.rasmussen.edu/degrees/nursing/blog/nursing-debate-8-hour-shifts-vs-12-hour-shifts/">series of health issues</a>, including obesity, heart disease, stroke, hypertension, glucose regulation, GI disorder, and reproductive problems.</p> <h2>4. Jobs in Leisure and Hospitality Industry</h2> <p>According to data from the Bureau of Labor Statistics' Job Openings and Labor Turnover (JOLTS) program, the turnover rate in the <a href="http://www.bls.gov/news.release/jolts.nr0.htm">leisure and hospitality industry</a> has gone up for the fourth year in a row.</p> <p>Here is a comparison to provide some context. In December 2015, <a href="http://www.bls.gov/news.release/jolts.t09.htm#jolts_table9.f.p">3.3% of workers</a> in all U.S. non-farm industries left or were fired from their jobs. During the same period, 5.7% of workers in the leisure and hospitality industry lost or quit their jobs! That's the highest turnover rate of all industries tracked by the JOLTS program.</p> <p>With the average production and nonsupervisory employee making <a href="http://www.bls.gov/iag/tgs/iag70.htm#earnings">only $12.67 per hour</a> and being able to work 25 hours per week, it's not a surprise that employees have to change jobs to chase higher wages. With many of those employees making close to the hourly minimum wage, even the offer of a dollar extra per hour can be a strong motivator to switch jobs. Some of those workers are even opting to move to cities with current or scheduled higher minimum wages (See also: <a href="http://www.wisebread.com/6-american-cities-with-the-highest-minimum-wage?ref=seealso">6 American Cities With the Highest Minimum Wage</a>).</p> <p><em>What are other challenging jobs with high turnover rates?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/the-4-jobs-people-quit-the-most">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-4"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-questions-to-ask-before-you-quit-your-job">6 Questions to Ask Before You Quit Your Job</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-great-reasons-to-quit-your-job">13 Great Reasons to Quit Your Job</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-signs-you-should-quit-your-job">8 Signs You Should Quit Your Job</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-a-job-learn-the-secret-from-a-bad-movie">How to get a job--learn the secret from a bad movie</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-bounce-back-from-job-rejection">4 Ways to Bounce Back From Job Rejection</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income horrible jobs job search jobs quit your job quitting turnover rates Tue, 01 Mar 2016 10:00:11 +0000 Damian Davila 1663953 at http://www.wisebread.com 11 Signs the Job Is Too Good to Be True http://www.wisebread.com/11-signs-the-job-is-too-good-to-be-true <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-signs-the-job-is-too-good-to-be-true" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000068043419_Large.jpg" alt="is this job too good to be true?" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've no doubt seen the emails, the web banners, or the ads posted on public noticeboards. They may vary greatly in content, but the general idea is the same &mdash; a great job, offering the pay you want, the hours you will love, and the freedom you have always wanted. But how many of these jobs are actually legit? As it turns out, not a lot.</p> <p>Industry experts from sites like FlexJobs.com, RatRaceRebellion.com, and Global Workplace Analytics estimate that for every real job advertised, 60 are scams. Those aren't good odds. And although you may think you could easily spot a scam, don't be too sure. FlexJobs.com recently polled 2,600 job seekers, and 17% off them had been taken in by a scam at least once. So, what can you do? How do you protect yourself? Here are 11 signs that the dream job could be a complete scam. (See also: <a href="http://www.wisebread.com/8-vile-craigslist-scams-to-watch-out-for?ref=seealso">8 Vile Craigslist Scams to Watch Out For</a>)</p> <h2>1. They Offer Big Bucks for Minimal Hours</h2> <p>There are very few legitimate professions that can guarantee a huge salary for a few hours of work every day, or every week. Those that do are usually in the medical profession, Wall Street, or adult entertainment. So when you see an ad offering a six or seven figure salary for just a few hours of work a day, it's almost certainly a scam. And if this is a work-at-home job, it's definitely bogus. Unless you already have a specific skillset that is in high demand, no one is going to pay you big money for such little effort. When you see an ad like this, ignore it and move on.</p> <h2>2. They Want You to &quot;Pay to Play&quot;</h2> <p>There are so many sad stories about this. In particular, NPR's Planet Money did a great podcast called &quot;<a href="http://www.npr.org/podcasts/510289/planet-money/">Anatomy of a Scam</a>&quot; that highlighted the case of a woman who was taken for many thousands of dollars. The basic premise of this one is that you can build a fantastic home business that brings in big money. All you need to do is buy something to kickstart it. What that something is depends on the type of scam being operated.</p> <p>In the case of Planet Money, it was a website building service that required an upfront fee of almost $5,000, and a monthly subscription of around $50. And for what? Basically, very little. The tools offered were available online or in libraries for almost no money. In fact, right now you can build an ecommerce website quickly and easily for as little as $10-$20 a month and no upfront fees. There may be legitimate businesses asking for an upfront fee, but they are rare. Those that are legitimate are often referred to as &quot;pyramid schemes,&quot; or &quot;multi-level marketing&quot; operations. While they may be completely legal, making money in them if you are not at the top of the organization is almost impossible.</p> <h2>3. They Ask for ALL of Your Personal Information</h2> <p>You see a job that looks amazing. It even looks like it's coming from a big name company, like Google, Apple, or Amazon. They offer flexible hours, a fabulous salary, great benefits, they will even pay to relocate you. All you need to do in return is fill out an application form. This is the scam.</p> <p>No legitimate business is going to ask you to give details like your social security number, bank account details, or credit card information. This is simply an exercise in &quot;phishing,&quot; and it can leave the applicant's life in a complete mess. And this is not just something that happens online. As a UK series called <a href="https://www.youtube.com/watch?v=ioFxv1anu98"><em>The Real Hustle</em></a> showed, it can be done very easily in a physical location. The scammers rent office space, wear suits, and pretend to be recruiters. All they're really doing is collecting personal information. Once they've got everything they need, they shut up shop and start stealing identities.</p> <h2>4. They Want Money for Government or Federal Jobs</h2> <p>People are very attracted to government jobs because they offer great benefits, good pay, there are locations everywhere, and there are tremendous opportunities for advancement. Scammers know this, and will use this to take advantage. There is this myth that government job openings are kept secret, or are hard to come by. While the latter may be true for some types of jobs, there is no secret database that you have to pay to access. Every job available is posted at <a href="https://www.usajobs.gov/">USAJOBS.gov</a>, and you can search by skill, job title, agency, and location.</p> <p>A quick search of the database revealed over 341 openings right now, in Colorado alone. The scammers will use sites and email addresses with official-sounding names, like &quot;US Agency For Employment Opportunities&quot; or &quot;Postal Service Career Services&quot; but it's all bogus. What they want is money for access to lists that are available free, or worse, for entrance exams and tests that mean absolutely nothing. They cannot guarantee you a job in any government agency, but they will happily collect your money. You can read more about <a href="http://www.consumer.ftc.gov/articles/0083-government-job-scams">government job scams</a> at the FTC.</p> <h2>5. They Are Impossible to Research</h2> <p>In this day and age, every legitimate company has a web presence. It would be bad for business not to have an online identity. So when you start researching the company offering the job (and you should always do that to prepare for the interview anyway), you should be concerned if there is very little information available about the company.</p> <p>If, after searching the company name, you get a handful of articles, stories, references, or reviews, think carefully about applying for the job. Sure, they may have a website, but look at it closely. Does it seem cheaply made or rushed? Does it have legitimate ways to contact real people, or is it just an email address? Real companies will also have established a strong social presence online, and quite often have Facebook and Twitter accounts. If you are coming up empty, it's almost certainly a scam. Now, the big exception to this is a start-up company. Obviously, they are just getting their foot in the door, and may not have anything like this in place yet. In that instance, use the other tips on this list to sniff out the legitimacy of the job.</p> <h2>6. They Are Fuzzy With the Specifics</h2> <p>Your future employer, if legitimate, will have a lot of details about the position for which you're applying. Even if it's a real work-from-home job, like medical transcription, you will be given very specific information about hours, pay, benefits, and expectations. When a job is a scam, these details are in short supply. They will talk in generalities, using phrases like &quot;flexible hours&quot; or &quot;great earning potential.&quot; But if nailing them down is like nailing jello to a wall, run and hide.</p> <h2>7. They Contact You First</h2> <p>This is not a job-hunter's market. Statistics show that <a href="http://careerbuildercommunications.com/candidatebehavior/">three out of four employed workers</a> are open to, or actively looking for, new jobs. Combine that with people looking for jobs who are out of work and you quickly realize, this is an employers market. Or, as an HR person recently told me, &quot;if you post it, they will come.&quot; So when you get sent emails, texts, letters, or receive phone-calls offering a new job, it's almost certainly a scam. Scammers want your money or your identity, and they're the ones on the chase for new people to con. The exception to this rule &mdash; headhunters. If you're in an industry that uses headhunters, such as advertising, you may get a call or email. But a quick Internet search should easily reveal if the headhunter is legit, or a scammer.</p> <h2>8. They Use Poor Grammar</h2> <p>Legitimate companies are aware of the importance of good grammar in all communications. This is not to say the postings will be literary works of art, but they will be spelled correctly, and avoid lots of exclamation marks, underlined words, and hyped-up language. These companies often use a proofreader to ensure this kind of professionalism. Scammers couldn't care less. They're not going through every text and email with a fine-toothed comb, looking for spelling errors and poor grammar. They want to get your attention quickly, and know that most people won't really care about the occasional slip up. But, you should. If it's unprofessional, it's almost certainly a scam.</p> <h2>9. They Have a Rotten Reputation</h2> <p>This is where the Internet, and Google, can really be your friend. The second you see a job offer that interests you, research the company. If possible, find online forums devoted to job-hunting and work-at-home careers, and ask questions about the company. If the company is legitimate, you will find out soon enough. If it's a scam, you will be inundated with information about their deceptive practices. The Better Business Bureau is also a great place to look up companies in your area. Look at the grade, and the reasons why it received them. An &quot;F&quot; grade is definitely a big red flag.</p> <h2>10. They Keep Unusual Hours</h2> <p>Legitimate businesses keep legitimate hours. Namely, 8 a.m. to 5 p.m. This is when you will receive phone calls, emails, or even LinkedIn messages. Scammers work around the clock, and often do it outside of regular business hours. So, while an email received at 6 p.m. should not ring any alarm bells, one that you get at midnight should. Hiring managers do not work into the wee hours of the morning, and if they're contacting you at this time, they're most likely a scammer.</p> <h2>11. They Aren't Looking for Experience</h2> <p>&quot;No experience necessary&quot; is a huge warning sign in a job offer; especially if the job is offering to pay you a big salary. It's just a complete fantasy to think that you can get a huge income without having any kind of education or training. If this is in the job ad, avoid it like the plague.</p> <p><em>Have you ever been scammed on a job? Let us know in the comments below!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/11-signs-the-job-is-too-good-to-be-true">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-a-job-learn-the-secret-from-a-bad-movie">How to get a job--learn the secret from a bad movie</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-bounce-back-from-job-rejection">4 Ways to Bounce Back From Job Rejection</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting job scam job search jobs scam too good to be true Thu, 25 Feb 2016 10:00:07 +0000 Paul Michael 1661841 at http://www.wisebread.com 10 Ways Working From Home Can Save (And Cost) You Big http://www.wisebread.com/10-ways-working-from-home-can-save-and-cost-you-big <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-ways-working-from-home-can-save-and-cost-you-big" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_working_from_home_000029434486.jpg" alt="Woman learning ways working from home can cost and save her" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>For several years, I had a full-time job that allowed me to work from home. But then I switched to a job that required me to be in an office. So I've experienced life on both sides, and can tell you that each job had its own impact on not just my lifestyle, but my personal finances.</p> <p>Working from home allowed me to wear pajama pants in the middle of the day or take afternoon naps without guilt. And in many ways, it allowed me to save some money. But there were some drawbacks on the financial side as well. (See also: <a href="http://www.wisebread.com/4-best-jobs-for-work-life-balance">4 Best Jobs for Work Life Balance</a>)</p> <p>Here are some of the ways that working from home can impact your finances, both positively and negatively.</p> <h2>The Good</h2> <p>Working from home has some pretty amazing financial perks.</p> <h3>1. Zero Commuting Costs</h3> <p>When I worked from home, I put very few miles on my car. My trek to work consisted of a stroll from my bedroom to my home office 100 feet away. Now, I spend more than $150 monthly on public transit costs. My colleagues who drive spend a similar amount in gas and parking. Working from home = no commute = money saved.</p> <h3>2. The Eating Out Temptation Is Eliminated</h3> <p>When you work in an office, you might tell yourself that you'll pack your lunch every day. But that's hard when there are 10 great restaurants and coffee shops around the corner, not to mention all the places on the way to and from the office. You may have colleagues who invite you to lunch or happy hour, and you'll feel tempted to run out to Starbucks for that afternoon caffeine run. When you work from home, going out to eat is less probable.</p> <h3>3. Wardrobe Flexibility</h3> <p>Most office environments have some sort of dress code, and that's going to lead to some expense on your part. Even a casual office environment means you'll have to invest in a few decent shirts, dresses, or slacks. If you work from home, your comfort is your only guide.</p> <h3>4. Taxes</h3> <p>This really only applies to people who are salaried employees who work from home. If you fit that bill, you may be able to save on taxes by getting deductions for things like computer equipment or building a home office. If you can prove that you use a certain percentage of your home for work purposes, you can get a tax deduction based on that percentage of your utility bills. Even some automotive costs could be tax deductible.</p> <h3>5. You Can Argue for a Raise Based on Money Saved</h3> <p>There's a lot of evidence that telework policies save companies money, particularly on real estate costs. Fewer workers in an office means less demand for space. At your next performance review, raise this point when discussing the potential for a raise in pay.</p> <h3>6. You Can Be More Productive</h3> <p>If you were spending an hour commuting in the past, but now work from home, that's an hour that you can give to your employer. Working from home also frees you from various distractions, like co-workers popping in. (But be careful, as working from home can come with distractions of its own.)</p> <h3>7. No Relocation Needed</h3> <p>Many companies have found that it's cheaper to allow employees to work from home rather than spend tens of thousands of dollars to help them relocate to new cities. And imagine the money &mdash; not to mention the stress and hassle &mdash; saved by the worker who doesn't have to worry about uprooting his or her life. I personally know some employees who live in communities with low cost of living, but are paid based on the salaries of those near the company's offices in a more expensive part of the country. Score! (Of course, be warned that this could also work in reverse.)</p> <h2>The Bad</h2> <p>Despite the perks, there are still ways to burn through money while working from home.</p> <h3>8. Utility Costs Increase</h3> <p>One of the nice things about heading to an office is that you're not using up electricity, heat, or air conditioning during the day at home. Working from home can cause those bills to shoot way up.</p> <h3>9. Home Office Costs Add Up</h3> <p>When I worked from home, I was expected to keep a professional workspace, but was not given any funds to build it. So any costs associated with constructing a home office fell to me. Some of these costs were tax-deductible, but the deduction did not cover the full cost of things like a desk, a decent chair, lamps, and even some office supplies. These expenses can add up.</p> <h3>10. No Networking</h3> <p>Working from home can be socially isolating, but that isolation can also hurt your wallet. If you are removed from an office, you will get less face time with the boss, and may also miss out on office gossip and interactions that might be helpful to you and your career. It's harder to impress your employer if they never see you. If this sounds like you, make an effort to drop by the office for meetings on a regular basis, or even pop in to take a colleague out to lunch. <a href="http://globalworkplaceanalytics.com/resources/costs-benefits">Global Workplace Analytics</a> reported that &quot;teleworkers who maintain regular communications with traditional co-workers and managers find career impact is not an issue.&quot;</p> <p><em>Do you work from home? What other costs do you incur? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/10-ways-working-from-home-can-save-and-cost-you-big">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-ways-to-save-money-when-you-are-unemployed">10 Ways to Save Money When You Are Unemployed</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-financial-moves-to-make-the-moment-you-get-fired">11 Financial Moves to Make the Moment You Get Fired</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-jobs-you-may-not-have-considered-but-should">9 Jobs You May Not Have Considered (But Should)</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-biggest-mistakes-freelancers-make">The 5 Biggest Mistakes Freelancers Make</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Budgeting jobs saving work from home working Tue, 22 Dec 2015 18:00:03 +0000 Tim Lemke 1625207 at http://www.wisebread.com 10 Depressing Jobs That Aren't Worth the Money http://www.wisebread.com/10-depressing-jobs-that-arent-worth-the-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-depressing-jobs-that-arent-worth-the-money" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/sad_woman_desk_000049488598.jpg" alt="Woman stuck in depressing job that&#039;s not worth the money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So you think your job stinks.</p> <p>We've all experienced a depressing job before. There are good jobs out there for those who need them, but there are also lot of bad jobs that few people are eager to do. Here are 10 of the most depressing jobs, based on career prospects, pay, and safety on the job.</p> <h2>1. Newspaper Journalist</h2> <p>I worked for newspapers for more than a dozen years and had the time of my life. But the Internet era has crushed newspapers, leading to high stress and low pay for reporters and editors. And there are few journalists out there who haven't been laid off at least once. CareerCast placed this job <a href="http://www.careercast.com/jobs-rated/best-jobs-2015">dead last in its ranking of 200 careers</a>, and photojournalists don't fare much better.</p> <h2>2. Lumberjack</h2> <p>It's hard work and not particularly lucrative, and much of the work is now being done by machines. It's also a deadly job; the Bureau of Labor Statistics reports that <a href="http://www.bls.gov/news.release/pdf/cfoi.pdf">91 out of every 100,000 logging workers</a> suffers a work-related fatality. They are 30 times more likely to die on the job than the average worker.</p> <h2>3. Taxi Driver</h2> <p>It's never been the safest profession, and you'll be lucky to make $30,000 a year doing it. The arrival in many cities of <a href="http://www.wisebread.com/how-to-earn-extra-money-driving-for-uber-or-lyft">Uber and Lyft</a>, which have completely disrupted the pay-to-ride industry, have hurt the prospects and earning potential of taxi drivers even further.</p> <h2>4. Data Entry Clerk</h2> <p>You sit at a computer all day and enter information into a database. It'd be one thing if the information you were entering was something cool, like a list of every Led Zeppelin concert in history. But it's often just names, addresses, and other banal data bits. And God help you if you make a mistake. The average annual median wage for data clerks is less than $30,000, though you usually don't need a college degree.</p> <h2>5. Security Guard</h2> <p>When you're in private security, you're either seriously bored because nothing is going on, or you're involved in a possible struggle with a criminal. There's not much in between. Pay is low (less than $25k annually, on average), but there is some growth in job opportunities.</p> <h2>6. Door-to-Door Salesman</h2> <p>Kiplinger <a href="http://www.kiplinger.com/slideshow/business/T012-S001-worst-jobs-for-the-future-2015/index.html">evaluated 784 jobs</a> based on their prospects for the future, and this job was in the bottom 10. These days, pushing a product by knocking on someone's door is amazingly inefficient, when you consider the technology available to salespeople. There was a time in America when door-to-door salesmen were welcomed by housewives and others looking to test out the latest products. Those days are long gone; the number of jobs in this field is expected to drop 18% by 2024, after dropping 23% between 2004 and 2014.</p> <h2>7. Mail Carrier</h2> <p>Let's face it, no one likes the U.S. Postal Service. And as a mail carrier, you often deliver nothing more than a bunch of junk mail, as technologies like email and texting have taken over. Career Cast's best jobs report noted that mail carriers have <a href="http://www.careercast.com/jobs-rated/worst-jobs-2015">one of the worst 10-year outlooks</a> in terms of job growth.</p> <h2>8. Administrative Assistant</h2> <p>You have virtually no power over your own existence, as you simply respond to the demands of whomever you work for. The high stress, no control environment has been <a href="http://www.cnn.com/2010/HEALTH/10/01/health.job.making.depressed/">known to cause higher rates of depression</a>. The good news for administrative assistants is that pay is about average, along with job growth.</p> <h2>9. Meter Reader</h2> <p>Technology is making it less and less necessary for someone to come around and check your electricity usage. The Bureau of Labor Statistics expects job demand to decline by 10% by 2020, and the pay is middle-of-the-pack, at best.</p> <h2>10. Restaurant Server</h2> <p>Your boss can get away with paying you less than minimum wage, because there's an expectation you'll get tips. But we all know that's hit or miss. Waiters and waitresses are on their feet all day, often fielding complaints about food that they didn't cook. The average mean wage is under $20,000 each year, assuming the restaurant you work for will even be around in the future. The Bureau of Labor Statistics said 70% of restaurants close within the first year.</p> <p><em>Did we miss any depressing jobs? Let us know in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/10-depressing-jobs-that-arent-worth-the-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-3"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-a-job-learn-the-secret-from-a-bad-movie">How to get a job--learn the secret from a bad movie</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-to-bounce-back-from-job-rejection">4 Ways to Bounce Back From Job Rejection</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-best-jobs-for-work-life-balance">4 Best Jobs for Work Life Balance</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Job Hunting art career jobs museum Mon, 02 Nov 2015 09:15:13 +0000 Tim Lemke 1603184 at http://www.wisebread.com 7 Certifications That Add Big $$ to Your Salary http://www.wisebread.com/7-certifications-that-add-big-to-your-salary <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-certifications-that-add-big-to-your-salary" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_using_computer_000051515506.jpg" alt="Woman getting certifications that will add money to her salary" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A certification can strengthen your degree, and maybe even improve your income. Better still? It can do all this without you ever having to set foot inside a classroom, as all of the seven certifications listed below are offered online. Take a look, and start moving ahead today.</p> <h2>1. Project Management</h2> <p>Aside from IT, project managers work in engineering, healthcare, and construction. They are responsible for overseeing the completion of a project &mdash; on budget, and on time. It's a high-pressure career, but the salary is great (<a href="http://blog.capterra.com/much-project-managers-make/">average $89,000</a> for entry-level). Fortunately, you don't have to quit your day job to earn your certification. The average cost varies widely, but reputable UC Berkeley lists it as <a href="http://extension.berkeley.edu/cert/project.html">around $5,600</a>. Here is a list of <a href="http://blog.capterra.com/the-5-best-online-project-management-courses/">online project management programs</a> where you can study.</p> <h2>2. Microsoft Certified IT Professional</h2> <p>My friend Chad, who has a degree in IT, obtained this <a href="https://www.microsoft.com/en-us/learning/microsoft-certified-professional.aspx">Microsoft Certified Professional</a> (MCP) certification on his own, reasoning that &quot;I thought it might be helpful.&quot; Upon completion, he showed it to his manager...and was immediately promoted and reimbursed for the cost of obtaining the certification. The cost? A very affordable $150 for the first level (Microsoft Certified); then you can take more courses and build into Professional (MCITP), Architect (MCA), Professional Developer, etc.</p> <p>How much can you expect to earn from certifications? From Microsoft:</p> <p>&quot;In high-growth industries, entry-level employees who hold a Microsoft Certified Solutions Associate (MCSA) certification or Microsoft Office Specialist (MOS) certification can earn up to $16,000 more, annually, than their peers.&quot;</p> <h2>3. CPA</h2> <p>An accountant with a <a href="http://www.wisebread.com/8-ways-college-students-can-save-money-before-class-starts" target="_blank">Bachelor's degree</a>&nbsp;can expect annual earnings of $63,550 per year. But what if that accountant passes the licensure exam and becomes a Certified Public Accountant? Here is an interesting breakdown from the folks at Becker Professional Education:</p> <p>&quot;Over the course of a 40-year career, a CPA can earn as much as <a href="http://www.becker.com/cpa-review/resources/career-opportunities/what-you-can-earn-as-a-cpa">$1 million more</a> than a non-certified accountant. Here's an example:</p> <ul> <li>Two non-Certified Public Accountants with Bachelor's degrees begin working at the same time at the same large public accounting firm in Audit/Assurance Services at the same annual salary of $68,000.<br /> &nbsp;</li> <li>One earns the CPA credential, creating a 10% salary differential of about $7,000 more than the other (CPA's can earn between 5% and 15% more than their non-credentialed counterparts).<br /> &nbsp;</li> <li>Over time, more frequent and higher-level promotions can widen the salary gap to as much as $50,000.<br /> &nbsp;</li> <li>Over a full career that can mean an additional $1 million or more in lifetime earnings.&quot;</li> </ul> <p>The <a href="http://www.aicpa.org/BECOMEACPA/LICENSURE/Pages/default.aspx">licensure exam</a> is very rigorous, but what a difference in income obtaining that license makes.</p> <h2>4. Process Management</h2> <p>The question I get most often in HR about this position is, &quot;What is it that those people DO?&quot; Well, they look at a process, or flow, that isn't working, reorganize it, and implement it so that things work better. As a rule, they are really good at seeing the &quot;big picture&quot; and being diplomatic about change. Process managers have a <a href="http://www.abpmp.org/?page=certification_home">governing body</a> and must pass an exam. Earnings are estimated at <a href="http://www.payscale.com/research/US/Job=Process_Improvement_Manager/Salary">$79,000 annually</a>. Fortunately, this is another position where you can obtain online certification (here are some <a href="http://www.processexcellencenetwork.com/business-process-management-bpm/articles/8-business-process-management-bpm-training-provide/">training resources</a>) while keeping your day job.</p> <h2>5. Medical Coder</h2> <p>With the implementation of ICD-10 medical coding, knowledgeable coders are in high demand. Already have your B.A.? Good, because those with Bachelor's degrees &quot;...out-earned those with only a high school diploma by a dramatic $10,000 per year ($51,825 vs. $41,802).&quot; The <a href="http://www.ahima.org/">American Health Information Management Association</a> is the governing body for health information management. It also provides information about education and certification courses. I personally know coders who are able to work from home, which is a nice option if you have a family.</p> <h2>6. Exercise Physiologist</h2> <p>The median salary for a fitness instructor is $40,996. But, obtain certification as an <a href="http://certification.acsm.org/acsm-registered-clinical-exercise-physiologist">exercise physiologist</a>, and that jumps to $44,470. Perhaps more importantly, though, is that if you are interested in this field, the Bureau of Labor Statistics predicts 19% growth, higher than the average for all occupations.</p> <h2>7. Actuary</h2> <p>Have a degree in mathematics? Or, maybe you work in the field of finance, or statistics? The BLS cites median pay in 2012 for actuaries to have been $93,680, with job growth outlook of 26% (much higher than average). Actuaries analyze the financial costs of risk and uncertainty. They often work for insurance companies or in finance. A <a href="http://www.beanactuary.org/what/">series of exams</a> must be passed to obtain certification. It's not all about number-crunching, though &mdash; a good actuary needs the skills to be able to communicate, too.</p> <p>Remember: Do your research before you leap. Some of these certifications are extremely rigorous and, although likely worth it in the long run, will put a strain on your time. Take a look at job listings to see what employers are looking for.</p> <p><em>Have you gotten a certification to boost your career &mdash; and your pay?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/marla-walters">Marla Walters</a> of <a href="http://www.wisebread.com/7-certifications-that-add-big-to-your-salary">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-careers-that-pay-women-more-than-men">7 Careers That Pay Women More Than Men</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/protect-future-earnings-by-negotiating-the-right-starting-salary">Protect Future Earnings by Negotiating the Right Starting Salary</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/crime-scene-cleaner-and-4-other-trades-that-pay-surprisingly-well">Crime Scene Cleaner and 4 Other Trades That Pay Surprisingly Well</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-underpaid-how-to-figure-out-what-salary-you-deserve">Are You Underpaid? How to Figure Out What Salary You Deserve</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-high-paying-careers-with-low-educational-barriers">10 High-Paying Careers With Low Educational Barriers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training certifications degree income jobs online learning salary Tue, 27 Oct 2015 11:15:27 +0000 Marla Walters 1599962 at http://www.wisebread.com 11 Cool Jobs for Outdoorsy Types http://www.wisebread.com/11-cool-jobs-for-outdoorsy-types <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-cool-jobs-for-outdoorsy-types" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/ski_instructor_000005068239.jpg" alt="Ski instructor has perfect job for an outdoorsy type" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Do you absolutely loathe the idea of sitting at a desk all day and dream of <a href="http://www.wisebread.com/8-best-cities-for-frugal-lovers-of-the-outdoors">outdoorsy adventures</a>? Then think beyond the cubicle, and check out these awesome jobs you can do in the great outdoors!</p> <h2>1. Park Ranger</h2> <p>There are a number of local, state, and national parks that need rangers to patrol both land and water. You'll supervise different park initiatives, check for hunting and fishing permits, and investigate different issues within their park's boundaries. Most rangers need a bachelor's degree in <a href="http://cpw.state.co.us/aboutus/Pages/Careers07.aspx">biology, ecology, forestry, natural resource management</a>, or a related field.</p> <p>Median salary: <a href="http://www.payscale.com/research/US/Job=Park_Ranger/Salary">$35,075</a></p> <h2>2. Tour Guide</h2> <p>Whether it's taking people through a historic landmark, city, or country landscape, tour guides are employed in various locations across the globe. I just did a <a href="http://www.indeed.com/q-Tour-Guide-jobs.html">quick search</a>, and it turned up a sightseeing job in San Francisco, CA, a bike tour guide gig in Madison, WI, and a nature guide position in Honolulu, HI. These jobs don't pay a ton, but they're anywhere you want to be.</p> <p>Median pay: <a href="http://www.payscale.com/research/US/Job=Tour_Guide/Hourly_Rate">$11/hour</a></p> <h2>3. Ski Instructor</h2> <p>Get paid to ride the slopes with a seasonal ski instructor job. You'll teach adults and children basic skiing or snowboarding skills. Killington's <a href="http://www.killington.com/company/employment/winter_opportunities/index.html">job page</a> details that having Professional Ski Instructors of America (PSIA) or American Association of Snowboard Instructors (AASI) certification gives you an advantage. Not into teaching? You can also check out ski patrol positions that provide emergency service up the mountain.</p> <p>Median pay: <a href="http://www.payscale.com/research/US/Job=Ski_Instructor/Hourly_Rate">$12/hour</a></p> <h2>4. Ornithologist, Entomologist, Zoologist</h2> <p>If you work in the <a href="http://www.aboutbioscience.org/careers/">biological sciences</a>, there's a good chance your job might take you outdoors. My friend is an ornithologist, and spends months at a time on a remote island recording migratory habits of different species. <a href="http://www.aboutbioscience.org/careers/entomologist">Entomologists</a> do similar work, just with bugs. <a href="http://www.aboutbioscience.org/careers/zoologist">Zoologists</a> work with all different critters in the animal kingdom, and they spend much of their time outdoors. You'll need specialized degrees for these positions, but a job interacting with nature may very well be worth the time in school.</p> <p>Median salary: Varies</p> <h2>5. EMT</h2> <p>Emergency medical technicians' jobs are surely intense. According to the <a href="http://www.bls.gov/ooh/healthcare/emts-and-paramedics.htm">Bureau of Labor Statistics</a>, the outlook on EMT jobs growth is above average. You'll care for the sick and critically injured, respond to emergency calls, and transport patients to nearby hospitals after performing basic care tasks like CPR. To get this job, you'll need to complete an EMT program and some states also require licensing through the <a href="http://www.nremt.org">National Registry of Emergency Medical Technicians</a>.</p> <p>Median salary: <a href="http://www.payscale.com/research/US/Certification=Emergency_Medical_Technician_(EMT)/Salary">$30,316</a></p> <h2>6. Farmer</h2> <p>If you like getting up before dawn, working with the land, and enjoying the fruits of your labor, farming might be for you. There are farms of all focuses and sizes across the United States. Some people may fall into the family farming business, while other choose to get degrees in <a href="http://admissions.cals.cornell.edu/academics/majors/agricultural-sciences/">Agricultural Sciences</a> to get their start. Whatever your path, this is a diverse field with a number of opportunities to enjoy the great outdoors and working with your hands.</p> <p>Median salary: <a href="http://www.payscale.com/research/US/Job=Farmer/Salary">$33,653</a></p> <h2>7. Landscape Architect</h2> <p>Ever wonder who designs parks, gardens, playgrounds, and other lush, green areas? Landscape architects take on these projects &mdash; and more. You'll spend some time in the office using different technologies to help plot out your plans. Otherwise, you'll spend most of your days in the space and checking out different plants and shrubs to enhance your creations. You'll need a <a href="http://www.bls.gov/ooh/architecture-and-engineering/landscape-architects.htm#tab-4">bachelor's or master's degree</a> to do this type of work. If that's not in the cards for you, consider being part of the landscaping team.</p> <p>Median salary: <a href="http://www.payscale.com/research/US/Job=Landscape_Architect/Salary">$53,028</a></p> <h2>8. Environmental Scientist</h2> <p>I have a number of friends who work as environmental scientists in the hills of Pennsylvania. They are outdoors most every day &mdash; no matter the weather &mdash; evaluating different issues with soil, pollution, water, and and other <a href="http://www.bls.gov/ooh/life-physical-and-social-science/environmental-scientists-and-specialists.htm#tab-2">environmental concerns</a>. Some specific careers in this field include climate change analysts, environmental health specialists, industrial ecologists, and environmental chemists. You'll definitely need a college degree to get these jobs. Once you do, you'll get to focus your time on the environment from your (mostly) outdoor office.</p> <p>Median salary: <a href="http://www.payscale.com/research/US/Job=Environmental_Scientist/Salary">$49.048</a></p> <h2>9. Postal Worker</h2> <p>Speaking of working in the rain, sleet, and snow, most postal carriers are outside every day, all day. The <a href="https://about.usps.com/careers/search-apply/welcome.htm">United States Postal Service</a> (USPS) has a few requirements before employment. You need to be 18 years old, or at least 16 with a high school diploma. You'll also need US residency, a safe driving record, and be able to pass a criminal background check. After that? You'll spend your days walking door-to-door, breathing fresh air.</p> <p>Median salary: <a href="http://www.payscale.com/research/US/Job=United_States_Postal_Worker_(Carrier)/Hourly_Rate">$51,381</a></p> <h2>10. Archaeologist</h2> <p>Do you like digging up stuff? Archaeology gives you plenty of opportunities to do just that. You'll need a degree before picking up your shovel. Beyond doing academic research, archaeologists are employed by a variety of domestic and international agencies. For example, the <a href="http://www.nps.gov/archeology/">National Park Service</a> employs a team of archaeologists to help preserve, conserve, and protect different sites and artifacts within its park boundaries.</p> <p>Median salary: <a href="http://www.payscale.com/research/US/Job=Archaeologist/Salary">$49,029</a></p> <h2>11. Lifeguard</h2> <p>I have a friend who is a professor but spends his summers lifeguarding on the NJ coast. Depending on where you live, lifeguarding can even be a full-time job. You'll spend your days around lots of people, sand, and surf. You'll perform drills, ride around on different equipment (jeeps, boats, jetskis, etc.), and maybe even save a life or two. And while pay varies, in 2011, the salaries of some Californian lifeguards raised more than a few eyebrows: many in Newport Beach were making <a href="http://usatoday30.usatoday.com/news/nation/2011-05-21-california-lifeguard-high-pay_n.htm">over $100,000</a> in total compensation per year! While this is the exception to the rule, it's still pretty amazing.</p> <p>Median salary: Varies</p> <p><em>Do you have an outdoorsy job?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/11-cool-jobs-for-outdoorsy-types">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-great-side-jobs-for-outdoorsy-types">12 Great Side Jobs for Outdoorsy Types</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-make-your-sluggish-workday-go-a-lot-faster">How to Make Your Sluggish Workday Go (a Lot) Faster</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-depressing-jobs-that-arent-worth-the-money">10 Depressing Jobs That Aren&#039;t Worth the Money</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-62-ways-introverts-tend-to-win-at-life">Flashback Friday: 62 Ways Introverts Tend to Win at Life</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income jobs nature office job outdoors outdoorsy Mon, 26 Oct 2015 09:16:25 +0000 Ashley Marcin 1598466 at http://www.wisebread.com