careers http://www.wisebread.com/taxonomy/term/1513/all en-US 9 Careers You Don't Need a Ton of Experience to Start http://www.wisebread.com/9-careers-you-dont-need-a-ton-of-experience-to-start <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-careers-you-dont-need-a-ton-of-experience-to-start" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_police_officer_92304699.jpg" alt="Woman finding career that doesn&#039;t need experience to start" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So, you don't have a lot of experience, but you don't want to settle for a terrible job. What are your options? Well, you may be surprised to learn that there are careers out there <a href="http://www.wisebread.com/6-great-side-jobs-you-can-do-on-your-bicycle">offering decent salaries</a> that don't even require a high school diploma, let alone a degree. And since the cost of college these days is so high, continuing education may not even be an option for you. If you're looking for a career that doesn't need any real experience to start, here are nine options worth considering.</p> <h2>1. Private Investigator</h2> <p>You'll see <a href="http://www.bls.gov/ooh/protective-service/private-detectives-and-investigators.htm">private investigators</a> popping up in movies and TV shows all the time, and they seem to live the lifestyle of an action hero crossed with Sherlock Holmes. In reality, a P.I. does not spend his or her time jumping off buildings, embroiled in car chases, and saving the day. Instead, the job involves a lot of research and background checking, and 80% of the work will be done in front of a computer and on the phone. Cases usually revolve around personal disputes, legal issues, or financial troubles &mdash; although sometimes a P.I. will be brought in to help look for a missing person, deliver a subpoena, or track down a relative. Although a background in either law enforcement of the military is the usual path of getting into the business, all you really need is a skill for uncovering information and, in some states, a P.I. license.</p> <p><strong>Average Annual Salary</strong>: $45,610</p> <h2>2. Real Estate Broker</h2> <p>With good people skills and the ability to convince someone to buy something, you could do well in real estate. To get started, you will need to get a license to become an agent, and that requires you to take a 60-hour course. Once you have that, you can either go out on your own, or get a job with a local real estate firm. And after you've tucked a little experience under your belt (usually 1-3 years), you can take another test to become a broker. Then, you can build a network of clients and referrals, and start making some serious money. Although the median salary is just over $70k, top real estate brokers can earn well over $300k per year.</p> <p><strong>Average Annual Salary</strong>: $72,500</p> <h2>3. Delivery Driver</h2> <p>If you have a license to drive an automobile, you can become a delivery driver. You do not need a Commercial Driver's License unless the job you're applying for states it specifically. Delivery driver jobs can range from part-time work at the local pizza place, to handling dangerous substances (known as Hazmat). Once upon a time, you needed a good working knowledge of the local, or sometimes national, roads and highways, but smartphones with built-in GPS and map apps have changed all that. The hours can be long, and not always 9-5, but if you're looking for a job with no experience, this is a good bet.</p> <p><strong>Average Annual Salary</strong>: $38,326</p> <h2>4. Deckhand</h2> <p>If you like the ocean and want to do some free traveling, a <a href="http://www.indeed.com/salary/Deckhand.html">deckhand</a> could be just the job you're looking for. The deckhands on a cruise ship don't get to do a lot of fun work, but they do get to see a little of the world as part of the job. Duties include monitoring gangways, running ship drills, mopping, sweeping, cleaning, making minor repairs, painting, helping to dock the boat, solving small problems, and basically being a jack-of-all-trades. Deckhands are also needed on dredges, riverboats, fishing vessels, and scows. No experience is needed to start this job, and contracts are usually for six months or longer. After you gain some experience on the ship, you can move up to deck officer, mate, or even captain.</p> <p><strong>Average Annual Salary</strong>: $38,000</p> <h2>5. Police Officer</h2> <p>&quot;To protect and to serve.&quot; It's the motto of many police departments, and if you have what it takes to do it, you could make a fine police officer. All you need is a high school diploma, and to be in good physical shape. Police expert Neal C. Griffin says that great officers exhibit the <a href="http://www.how-to-become-a-police-officer.com/">Five I's: integrity, intellect, industry, initiative, and impact.</a> Therefore, you should also exhibit excellent moral character, have a knack for solving problems, and work well under duress. If this sounds like something you are interested in, you will need to submit an application, complete a written test (called a civil service exam), and take a physical fitness test. After that, you'll undergo a background check before being accepted to an academy for training. This takes six months, after which you'll do 3-6 months of field training.</p> <p><strong>Average Annual Salary</strong>: $48,815</p> <h2>6. Oil Field Worker</h2> <p>When asked about the experience needed in an interview for <a href="http://www.jobshadow.com/interview-with-a-roughneck/">JobShdaow.com</a>, the &quot;roughneck&quot; replied, &quot;You don't even have to have a GED to do this job. In fact a lot of the industry never finished high school, or middle school. There is no educational boundaries for drilling. All you need is a strong back and a lot of common sense.&quot;</p> <p>This 22-year-old who was interviewed is already making over $100K a year, but does warn that it is hard, sometimes backbreaking work, and the 84-hour workweek can be grueling (you work two weeks on, two weeks off). If you can take direction well, don't mind getting your hands dirty, and can manage the schedule, you'll do well in this business, and make a lot of money. Of course, it can also be dangerous work; <a href="http://www.npr.org/2013/12/27/250807226/on-the-job-deaths-spiking-as-oil-drilling-quickly-expands">in 2012,</a> 138 workers died on the job, with the fatality rate eight times higher than the all-industry rate of 3.2 deaths per 100,000 workers.</p> <p><strong>Average Annual Salary</strong>: $69,000</p> <h2>7. Administrative Assistant</h2> <p>Although many companies will look for at least a high school diploma on your resume, there is no experience required to be an administrative assistant. You should have good typing and organization skills, and familiarity with some of the most common software programs (Microsoft Word, Excel, PowerPoint). Admin assistants are usually tasked with filing, making and receiving calls, managing visitors, typing letters, organizing business meetings, and doing other odd jobs around the office. If you excel in the position, you can quickly rise to senior administrative assistant, executive assistant, and even senior executive assistant. The higher up the ladder you go, the greater the perks and the pay. You may get to do a lot of traveling, and attend some pretty fancy industry events, too.</p> <p><strong>Average Annual Salary</strong>: $37,006</p> <h2>8. Security Guard</h2> <p>Don't think that all security guards are strapping six-foot bodybuilders with former military experience. While some positions do require someone with good physical fitness and self-defense training, many are simply asked to report suspicious activity. In fact, many retirees go into security work, and they are in their sixties and seventies.</p> <p>Duties can include sitting in a room watching CCTV monitors, crowd control, and doing regular patrols of the building. It's possible you will have to confront people, but that will be outlined in the job description. If you're young and fit, you could easily get promoted to head up a team of guards, and may eventually get a job at the head office.</p> <p><strong>Average Annual Salary: </strong>$29,083</p> <h2>9. Car Sales Consultant</h2> <p>No experience is needed to sell automobiles, but how much you earn in a year will vary greatly depending on the kind of salesperson you are. Now, the profession gets a bad rap, but the industry has definitely cleaned up its image over the last decade. And with the Internet helping people do a lot more research, sales consultants are much less likely to force bad deals and excessive pricing on customers. Instead, the job is more about selling the great features and benefits of the car, and closing the sale. Interestingly enough, only 20% of a dealership's revenue comes from new car sales; the majority comes from buying and selling used cars for a profit, servicing cars, and financing. Selling cars can be hard work, especially during the weekdays when few people come onto the lots. But if you're good at it, you can easily make over $300K a year selling higher-end cars like BMWs and Audis.</p> <p><strong>Average Annual Salary</strong>: $31,000 + Commission</p> <p><em>Salary information found on </em><a href="http://www.indeed.com/"><em>Indeed</em></a><em>, </em><a href="http://www.payscale.com/"><em>Payscale</em></a><em>, and </em><a href="https://www.glassdoor.com/index.htm"><em>Glassdoor</em></a><em>. </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/9-careers-you-dont-need-a-ton-of-experience-to-start">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/how-to-get-the-job-without-saying-a-word">How to Get the Job Without Saying a Word</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/your-guide-to-getting-a-job-right-out-of-college">Your Guide to Getting a Job Right Out of College</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/12-words-you-need-to-delete-from-your-resume-right-now">12 Words You Need to Delete From Your Resume Right Now</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> Education & Training Job Hunting careers job application job experience job hunting job search job training resume salary Tue, 20 Sep 2016 10:00:09 +0000 Paul Michael 1796100 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-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/these-5-expenses-will-probably-cost-you-a-lot-less-in-retirement">These 5 Expenses Will Probably Cost You a Lot Less in Retirement</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-save-for-retirement-when-you-are-unemployed">How to Save for Retirement When You Are Unemployed</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/millennial-millionaires-how-the-brokest-generation-can-also-become-the-richest">Millennial Millionaires: How the Brokest Generation Can Also Become the Richest</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/12-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</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-ways-you-can-cut-costs-right-before-you-retire-0">6 Ways You Can Cut Costs Right Before You Retire</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 Money Misconceptions About Millennials http://www.wisebread.com/6-money-misconceptions-about-millennials <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-money-misconceptions-about-millennials" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy_millennial_man_000057999652.jpg" alt="Learning common money misconceptions about millennials" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a Millennial myself &mdash; though, admittedly, at the very outskirts of the spectrum (younger Millennials are keen to point that out to me; can't we all just get along?) &mdash; I can tell you that we're unjustly dragged through the mud by the press. We're lazy, entitled, self-absorbed, and demanding &mdash; or so claims the media.</p> <p>Much of the shade that we're thrown, as far as I can tell anyway, is just that &mdash; shade. Because contrary to popular belief, we Millennials are savvier and more responsible, especially where money matters are concerned, than we're portrayed. To tips the scales back in our favor a bit more, here are six money misconceptions about Millennials, and why they're wrong.</p> <h2>1. Millennials Will Be Renters for Life</h2> <p>I'm 34 years old, born in 1981, and I purchased my first home with my husband at 28 years old. Most of my Millennial friends own their homes, too. The idea that Millennials will be renters for life is an outdated belief, perhaps established during the housing crisis of the last decade, but it's held on nonetheless. That's all changing now.</p> <p>Trulia's Chief Economist Ralph McLaughlin is an expert on Millennials and the housing market, and he says that recent research suggests that 18- to 34-year-olds are on the path to homeownership, though the prospect is contingent on affordability.</p> <p>&quot;A recent Trulia survey found that 80% of Millennials said that owning a home is part of their personal American Dream, and of the young people who plan to buy, 35% plan to buy within the next two years,&quot; he says. &quot;However, saving up for a down payment is the biggest obstacle to homeownership. Many say that a new job, promotion, or raise would be the deciding factor on taking the leap from renting to owning.&quot;</p> <p>Trulia's research is supported by a study from the National Association of Realtors, which reports that<a href="http://www.realtor.org/reports/home-buyer-and-seller-generational-trends"> 32% of homebuyers in 2014</a> were Millennials (Gen Y), and the median age group was 29 years old</p> <h2>2. Millennials Aren't Serious About Setting Savings Goals</h2> <p>While Millennials are focused more on obtaining material status symbols than older generations &mdash; 32% of Millennials said <a href="http://www.theatlantic.com/politics/archive/2015/07/american-dream-suffering/397475/">having luxury items</a> was crucial to their attainment of the American Dream &mdash; they're also focused on saving, and setting goals to do so.</p> <p>Chantel Bonneau, a wealth management advisor with Northwestern Mutual, says, &quot;Millennials are a little more financially conservative than maybe their parents, and they act much more like their grandparents. Millennials feel goal oriented, more so than other generations even. Millennials are realistic about taking responsibility and want to see themselves achieve and progress. They want options in retirement and are hopeful that they'll achieve their goals.&quot;</p> <p>The Northwestern Mutual<a href="https://www.northwesternmutual.com/about-us/studies/planning-and-progress-2015-study"> 2015 Planning and Progress Study</a> supports Bonneau's claims. The report details that:</p> <ul> <li>Nearly two-thirds of Millennials classify themselves as more inclined to save than spend, and more than half (53%) of Millennials have set financial goals, compared with 38% of Americans age 35 and older.<br /> &nbsp;</li> <li>Almost half of Millennials have spoken to their partner, friends, family, or an advisor about retirement, taking a step toward successful planning.<br /> &nbsp;</li> <li>Millennials know that safety nets won't be there for them in old age, with 73% of those expecting to need to work past age 65 doing so because Social Security won't take care of their needs.</li> </ul> <h2>3. Millennials Live to Work</h2> <p>Americans live to work, and work to live. That's how Europeans perceive our &quot;no-vacation nation&quot; anyway, but Millennials are poised to change that mindset.</p> <p>According to Bank of America's <a href="http://newsroom.bankofamerica.com/files/doc_library/additional/2015_Millennial_Snapshot_White_Paper.pdf">2015 Year-End Millennial Snapshot</a>, Millennials are just as likely to balance saving for a dream vacation as they are investing &mdash; 32% and 37%, respectively.</p> <p>It's likely this behavior will carry into Millennials' golden years, as nearly half of Millennials (49%) are spending less today so they can ensure a stress-free retirement where they envision time spent traveling and with loved ones. While investing and saving for the future, Millennials are willing to shoulder burdens in the short-term to ensure professional success by delaying compensation in an effort to make ends meet &mdash; so say 64% of Millennial small business owners.</p> <h2>4. Millennials Have No Buying Power</h2> <p>While older generations still think of Millennials as &quot;kids,&quot; the 18- to 34-year-old demographic actually has major influence over the rebounding economy.</p> <p>PayPal reports that 21% of Millennial shoppers opening PayPal Credit accounts in 2015 are in the high-spending power bracket.</p> <p>&quot;This tells us that the 'broke millennial' stereotype may be outdated,&quot; says Rob Skinner, director of marketing strategy at MSLGROUP, a marketing and public relations firm that targets Millennial consumers. &quot;In fact, Millennials spend more money online in a given year than any other age group and represent a quarter of the population.&quot;</p> <p>PayPal also found in a study that Millennials are changing their behavior with regards to using credit. They tend to steer clear of the commitment that comes with credit cards, but will use credit if it is integrated into the technology landscape.</p> <h2>5. Millennials Can't Focus on One Career</h2> <p>Millennials <a href="https://www.recruiter.com/i/its-your-fault-that-millennials-are-job-hoppers-what-are-you-going-to-do-about-it/">hop jobs more frequently</a> than older generations &mdash; but that's because Millennials have no interest in staying in dead-end careers that show little promise of upward mobility&hellip;or the paycheck to match.</p> <p>&quot;Now that they've graduated and are on their own, Millennials are the group that placed the most importance on having a job that paid well, with 46% saying high wages are crucial to their attainment of the American Dream,&quot; says generation expert Tim Elmore, president of Growing Leaders, a nonprofit organization focused on youth leadership development. &quot;Every age group wants to attain financial freedom, of course, but it appears Millennials are more 'direct' than others about their futures and pressuring employers for better wages.&quot;</p> <h2>6. Millennials Don't Save Enough for Retirement</h2> <p>There are plenty of articles that bash Millennials for their retirement plans &mdash; or the perceived lack thereof &mdash; but as Millennials age, they're becoming more concerned with saving for retirement, even if it may not look as traditional as it has in the past. Which is totally fine, by the way. Considering that Millennials will likely have to work until age 75 before they can retire &mdash; thanks to several factors, including high student debt, rising rents, and skittish investors &mdash; the no-rules approach to retirement saving is a perfectly acceptable compromise. And it's working.</p> <p><a href="https://www.fidelity.com/about-fidelity/individual-investing/americas-savings-rate-improves">Fidelity's Retirement Savings Assessment</a> shows that, overall, Millennials are outpacing other generations when it comes to increasing their savings rate. Millennials are now saving 7.5% of their income versus just 5.8% in 2013. Generation X and Boomers are still saving larger percentages of salary but have not stepped up their contributions by nearly as much.</p> <p>&quot;Millennials also have the benefit of time on their side to save and invest, and the most single powerful step they can take for retirement readiness is to increase their savings,&quot; the Assessment states.</p> <p><em>Do any of these misconceptions ring true for you?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-money-misconceptions-about-millennials">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-6-biggest-financial-decisions-in-your-20s">The 6 Biggest Financial Decisions in Your 20s</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/will-forced-frugality-last">Will &quot;forced frugality&quot; last?</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/suze-orman-tells-us-to-pay-only-the-minimum-on-credit-cards-wait-what">Suze Orman Tells Us To Pay ONLY The Minimum On Credit Cards. Wait, What?!</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-things-millennials-should-do-today-to-prepare-for-retirement">4 Things Millennials Should Do Today to Prepare for Retirement</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/is-six-figures-really-that-much">Is Six Figures Really That Much?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living careers Economy generation y lifestyle millennials misconceptions retirement savings Tue, 16 Feb 2016 11:30:04 +0000 Mikey Rox 1654791 at http://www.wisebread.com 11 Jobs With High Earnings and Growth http://www.wisebread.com/11-jobs-with-high-earnings-and-growth <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-jobs-with-high-earnings-and-growth" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/000049719210.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You need a job. But not just any job. You want a job where opportunities are plentiful, and you'd like to make a decent wage.</p> <p>The nation's economy is always shifting, but there are a number of careers that are projected to need thousands of new qualified workers within the next decade. And many of them offer great pay. Some may be in industries you never considered, but if you're open minded, you may just find the perfect position for you. Here are several jobs that offer good projected growth in employment opportunities and wages.</p> <h2>1. Market Research Analysts</h2> <p>Be a part of the Big Data revolution. These days, there's a wealth of data being collected about our buying habits and web activity and everything else we do from companies like Amazon and Facebook. Someone has to slice and dice that stuff and turn it into actionable information. This job has a projected growth rate of 19% or more, according to the Bureau of Labor Statistics, with median pay between $50,000 and $75,000.</p> <h2>2. Elevator Installers and Repairman</h2> <p>What? Fixing elevators? Well, BLS reports that position has a projected growth rate of 13% or more and a median salary of more than $75,000. Pretty good for a position that does not require a college degree.</p> <h2>3. Registered Nurses</h2> <p>As Baby Boomers age, the demand for nurses is expected to grow by 16% between 2014 and 2024, representing about 439,300 positions. And these are well-paying jobs; the median salary for a registered nurse is about $65,000.</p> <h2>4. Software Developers</h2> <p>The world is going to continue to need applications for computers, smartphones, and other devices. BLS projects a 17% increase in employment opportunities in this sector by 2024, with a median salary of more than $90,000.</p> <h2>5. Civil Engineers</h2> <p>America is always going to be building things. The BLS says there will be 23,600 more employment opportunities for those with skills to design and oversee large construction projects by 2024. Median pay is about $80,000.</p> <h2>6. Genetic Counselors</h2> <p>A whole new world of careers opened up once scientists discovered how to map the human genome. The intersection of health and genetics is now a very big deal. Genetic counselors help people understand how their genetics may have an impact on their future health. They may work in private practice, for health care companies, or even insurance companies. Counselors are already paid $65,000 &mdash; and BLS says there will be a 29% jump in jobs by 2024.</p> <h2>7. Dieticians and Nutritionists</h2> <p>People are becoming more aware of how food choices affect their health, and this is one profession that is expected to play a key role in the health community as doctors look to prevent disease, not just treat it. There were about 67,000 dieticians and nutritionists in 2014, but you can expect that to rise by 16% by 2024. The median salary is a very solid $55,000.</p> <h2>8. Occupational Therapists</h2> <p>Even a low-paid occupational therapist can make $50,000, and those employed in skilled nursing facilities can make close to $80,000 annually. Occupational therapists help ill, disabled, or injured people to become more mobile and carry out tasks. And the job outlook is good, with a 27% increase in jobs by 2024, outpacing even most jobs in the healthcare arena. One caveat: you will likely need a master's degree to work in this field. (See also: <a href="http://www.wisebread.com/7-certifications-that-add-big-to-your-salary">7 Certifications That Add Big $$ to Your Salary</a>)</p> <h2>9. Logistician</h2> <p>People are never going to stop buying things, and we'll always need someone to figure out how to move goods from one place to another. Logisticians work in all kinds of organizations to set up supply chains and manage a life cycle of a product. You may need a bachelor's degree for these jobs. But if you're qualified, you can make upwards of $73,000 annually. More than 2,500 logistician jobs are projected to come online within the next decade.</p> <h2>10. Corporate Trainers and Development Specialists</h2> <p>As the economy transforms, there will be people needed to help workers get the necessary skills and certifications. As a trainer, you will plan and administer programs to keep employees' qualifications up to date. These jobs pay pretty well &mdash; about $56,000 annually &mdash; and there will be an 7% increase in employment opportunities by 2024.</p> <h2>11. Lab Technician</h2> <p>Another job in the healthcare field that should see good growth over the next few years. Lab techs will test samples of bodily fluids and other substances. It's an important job, and you don't need a medical degree. Median salary is about $50,000, and there will be 52,000 new lab tech positions in the near future.</p> <p>Note: All data via the <a href="http://www.bls.gov/ooh/">Bureau of Labor Statistics' Occupational Outlook Handbook</a>, which is a terrific resource for job searchers and the career-curious.</p> <p><em>Did we miss any jobs with serious growth potential on this list? 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/11-jobs-with-high-earnings-and-growth">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/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-great-jobs-that-offer-college-loan-forgiveness">7 Great Jobs that Offer College Loan Forgiveness</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-ways-to-turn-your-stress-into-money">8 Ways to Turn Your Stress Into 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/these-10-words-and-phrases-are-keeping-you-from-getting-a-raise">These 10 Words and Phrases Are Keeping You From Getting a Raise</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/need-a-job-try-searching-in-china">Need a Job? Try Searching in China</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building BLS careers earnings job growth trades Mon, 11 Jan 2016 12:00:03 +0000 Tim Lemke 1634853 at http://www.wisebread.com How to Make Your Sluggish Workday Go (a Lot) Faster http://www.wisebread.com/how-to-make-your-sluggish-workday-go-a-lot-faster <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-make-your-sluggish-workday-go-a-lot-faster" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_productive_workday_000052836384.jpg" alt="Woman learning how to make her sluggish workday go faster" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>How many times have you looked longingly out the window beside your <a href="http://www.popsugar.com/fitness/Best-Yoga-Poses-Office-Workers-24640282">office desk</a>, wishing you were outside enjoying the fresh air &mdash; or taking a nap at home? We <em>know</em> you're raising your hand right now, and we understand 100 percent! Sometimes, the day feels like it's crawling by slower than a snail, and by the end of it, you're completely exhausted. Here's how to beat that workday rut and ensure that it flies by so quick, you won't know it hit you.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Best-Career-Advice-38400406">Real People Share the Greatest Career Advice They've Ever Received</a></p> <h2>1. Find a Job That You Love or a Project You Enjoy Within Your Current Job</h2> <p>Ideally, you want to seek a job that you'd look forward to every day &mdash; but all hope may not be lost for your current profession. &quot;If finding a job you're passionate about is tough, then find a task or project area to become an expert in,&quot; recommends <a href="http://www.jenndewallcoaching.com/" target="_blank">Jenn Dewall</a>, a career and life coach for female professionals. &quot;Find learning opportunities to enhance your understanding, set up touch-bases with people who know more, and practice it!&quot;</p> <h2>2. Set Up a Snack Drawer in Your Office</h2> <p>Nothin' like a good old chocolate chip <a href="http://www.popsugar.com/food/How-Make-Homemade-Clif-Bars-37977261">Clif Bar</a> to boost your mood. &quot;[Fill your drawer] with healthy snacks to keep your energy up and some of your favorite things you look forward to indulging in,&quot; suggests Hallie Crawford, career coach and founder of&nbsp;<a href="http://www.halliecrawford.com/" target="_blank">HallieCrawford.com</a>.</p> <h2>3. Have a Five-Minute Conversation With a Co-Worker</h2> <p>Constant corporate jargon gets old, fast &mdash; and drags the day on. &quot;We need to infuse fun into our workday, [because] it reduces stress and can increase team building,&quot; Dewall says. &quot;Ask a question that is unrelated to work and start a conversation. In similar fashion, you can also pick a pop culture topic and talk about it for five minutes.&quot;</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Career-Tips-Introverts-38279445">7 Totally Practical Career Tips For Office Introverts</a></p> <h2>4. Take Walks</h2> <p>Don't be a bump on a log all day; get up and move! &quot;Either walk during your lunch, or take short walks after accomplishing a bigger task,&quot; Dewall recommends. &quot;Walking will give you energy and can also break up stressful work projects.&quot; Want to take it up a notch? &quot;Schedule coffee walks with work colleagues so you can get some caffeine, fresh air, and positive conversation all at once,&quot; suggests <a href="http://www.dallekcoaching.com/" target="_blank">Rebecca Dallek</a>, a career and leadership coach for women.</p> <h2>5. Have a Look at Other Businesses</h2> <p>If you've got a little free time and you're feeling bored, &quot;Research the competition,&quot; says <a href="https://www.linkedin.com/in/jilljacinto" target="_blank">Jill Jacinto</a>, a millennial career expert for WORKS. It will give you a leg up on keeping your company sharp, and it may spark a few ideas. Plus, it's more interesting than <a href="http://www.popsugar.com/smart-living/Things-Waste-Your-Time-Work-38001474">repeatedly refreshing your email</a>!</p> <h2>6. Work With People You Like</h2> <p>&quot;This is critical to overall workplace enjoyment and to make each day fly by,&quot; Dallek says. Think about it. If you're sitting next to a co-worker who complains about everything from the temperature of his coffee to the new manager, your eyes are going to be glued to the clock.</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Motivational-Spotify-Playlist-Work-38401746">20 Songs to Get You Through the Workweek</a></p> <h2>7. Focus on Your Accomplishments, Not Your Never-Ending To-Do List</h2> <p>Don't allow your pending work tasks to submerge you in stress. &quot;The more you focus on what has happened successfully during the course of your day, the faster it will go by, because you're less overwhelmed by the next thing on the list and enjoying a sense of accomplishment instead,&quot; Crawford says.</p> <h2>8. Jam to an Inspiring Song in Between Each Task</h2> <p>Whip out those headphones, stat. &quot;Allow yourself to get lost in the music for a song, and once the song is completed, go back to work,&quot; Dewall recommends. &quot;This is another mental break where the intention is to focus on how the song is making you feel &mdash;&nbsp;it's not just music to drown out your co-workers.&quot; She suggests starting out with coffee house favorites and then amping up to lively, high-energy music (think <a href="http://www.popsugar.com/entertainment/Carly-Rae-Jepsen-Nine-Inch-Nails-Mashup-37226466">Carly Rae Jepsen</a>) as the day comes to a close.</p> <h2>9. Buy Fun Office Supplies and Add Items to Your Desk That Make You Smile</h2> <p>Crawford suggests thinking along the lines of pictures of friends and family, colored folders, and supercute pens. &quot;Keep things professional, of course, but if having fun stuff on your desk makes you smile, go for it,&quot; she says. &quot;You can hide things when a client comes in if you need to.&quot;</p> <p>RELATED:&nbsp;<a href="http://www.popsugar.com/smart-living/Working-From-Home-Tips-37778375">11 of the Best Work-From-Home Hacks Ever</a></p> <h2>10. Attend a Presentation From Your Colleagues in a Different Department</h2> <p>Jacinto recommends this, because seeing other departments in action provides a unique angle on your company and will maintain your focus. Better focus means faster workday!</p> <h2>11. Sit in Another Location</h2> <p>If you have a flexible workplace design, this one is cake. &quot;Sometimes a new location gives you a fresh perspective,&quot; Dallek says. And if your workspace isn't quite so accommodating or open? Simply transport your laptop to the kitchen for a half hour for a change of environment.</p> <h2>12. Set an End-of-the-Week Reward</h2> <p>You already know how important work objectives are. &quot;Each week, set up five <a href="http://www.popsugar.com/tech/Funny-Relationship-Goals-36598133">goals</a> that you want to accomplish and schedule time to work on them each day,&quot; Dewall suggests. &quot;If you accomplish the goals and fill your day with productivity, reward yourself! This can enhance your confidence and give you a sense of accomplishment when you walk out the door on Friday.&quot; Not to mention, as you center yourself and work toward those goals throughout the week, the days will zip by. And in the end, that's what we <em>all</em> want.</p> <div class="field field-type-text field-field-blog-teaser"> <div class="field-items"> <div class="field-item odd"> When&#039;s it gonna be done o&#039;clock already? Make the long workday hours go a lot faster with some shortcuts, treats, and fun ways to be productive. </div> </div> </div> <div class="field field-type-text field-field-guestpost-blurb"> <div class="field-label">Guest Post Blurb:&nbsp;</div> <div class="field-items"> <div class="field-item odd"> <p style="text-align:center;"><a href="http://www.savvysugar.com" style="border:none;"><img alt="" src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u921/POPSUGARrgb.jpg" style="height:95px; width:300px" /></a></p> <p><em>This is a guest contribution from our friends at </em><a href="http://www.savvysugar.com/"><em>POPSUGAR Smart Living</em></a><em>. Check out more useful articles from this partner:</em></p> <ul> <li><a href="http://www.popsugar.com/smart-living/Best-Career-Advice-38400406">Real People Share the Greatest Career Advice They've Ever Received</a></li> <li><a href="http://www.popsugar.com/smart-living/Career-Tips-Introverts-38279445">7 Totally Practical Career Tips For Office Introverts</a></li> <li><a href="http://www.popsugar.com/smart-living/Motivational-Spotify-Playlist-Work-38401746">20 Songs to Get You Through the Workweek</a></li> <li><a href="http://www.popsugar.com/smart-living/Working-From-Home-Tips-37778375">11 of the Best Work-From-Home Hacks Ever</a></li> </ul> <p>&nbsp;</p> </div> </div> </div> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/popsugar-smart-living">POPSUGAR Smart Living</a> of <a href="http://www.wisebread.com/how-to-make-your-sluggish-workday-go-a-lot-faster">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-9"> <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-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</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/the-simple-way-to-make-multitasking-actually-work">The Simple Way to Make Multitasking Actually Work</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/the-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</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/9-career-tips-your-younger-self-would-give-you">9 Career Tips Your Younger Self Would Give You</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/hey-boss-please-dont-bother-me-im-daydreaming">Hey Boss, Please Don’t Bother Me, I’m Daydreaming</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Organization Productivity careers desk job distractions jobs office job productivity workday Fri, 02 Oct 2015 09:00:34 +0000 POPSUGAR Smart Living 1571506 at http://www.wisebread.com 10 High-Paying Careers With Low Educational Barriers http://www.wisebread.com/10-high-paying-careers-with-low-educational-barriers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-high-paying-careers-with-low-educational-barriers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/high_paying_job_000009131941.jpg" alt="Woman seeking high-paying career with low educational barrier" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>According to the College Board, the average cost of tuition and fees for the 2014&ndash;2015 school year was $31,231 at private colleges, $9,139 for state residents at public colleges, and $22,958 for out-of-state residents attending public universities.</p> <p>Ouch.</p> <p>Let's take a realistic look at some careers that not only pay well given a relatively low educational investment, but also have a positive income growth potential. For the purposes of this article, I've used the U.S. Department of Labor's Occupational Outlook Handbook, narrowing my search to jobs that usually pay $50,000 or more a year, and that also have a projected growth rate of 20% or more within the next decade.</p> <h2>Jobs Requiring a Two-Year Associate of Arts Degree</h2> <p>Most Americans can earn an affordable two-year degree at a local community college.</p> <h3>1. Sonographers</h3> <p>In 2012, the median pay for sonographers (or &quot;ultrasound techs&quot;) was $60,350; job outlook for growth was at 39%. While most work in hospitals, others find employment in physicians' offices as well as in private radiology facilities. My friend Clarissa worked in a hospital until she decided to start a family, at which time she decided shift work was not for her, and she went to work at a radiology office. Because it is in the health care industry, job satisfaction is high, and the work environment usually non-competitive and friendly.</p> <h3>2. Dental Hygienists</h3> <p>When my friend Lisa became a dental hygienist, I said, &quot;Yuck &mdash; aren't you grossed out all the time?&quot; She laughed and said no, it was usually just fine. She had the last laugh &mdash; at a salary of $70,210 per year (2012 data) with a 33% growth outlook. Because it is a family-friendly profession, she was also able to eventually choose her hours.</p> <h3>3. Cardiovascular Technicians</h3> <p>Here is another positive-growth position, predicted at 39% growth and paying an average of $52,000 per year. Most positions are located in hospitals; some are in physicians' offices or diagnostic laboratories. If you are good at communicating, are drawn to helping people, and can multi-task and think quickly on your feet, this may be a good position to investigate.</p> <h3>4. Web Developers</h3> <p>With a faster-than-average predicted growth (20%) and median pay of $62,500, the position of web developer is very intriguing. If you enjoy working with computers, learning and writing code, and have a creative side, this may be for you. Read these <a href="http://www.myinkblog.com/5-reasons-why-i-love-being-a-web-designer/">developers' accounts</a> of favorite things about their jobs.</p> <h3>5. Radiologic and MRI Technologists</h3> <p>At a median of $55,910, these positions also predict good growth (21%), plus the option of working in a hospital or private radiology setting. Interesting was this quote from an MRI technologist: &quot;The biggest surprise of my career is the <a href="http://www.citytowninfo.com/career-story/radiologic-tech/MRI-technologist-at-a-hospital">job security</a>. In this difficult economy, I am at no risk of losing my job.&quot;</p> <h3>6. Nuclear Medicine Technologist</h3> <p>While the rate of growth is just slightly slower than other imaging positions listed above, the salary is still impressive ($55,000 to $74,000). Most work in hospitals, or, in metropolitan-area, private radiological facilities. It is exacting work, with much of it spent on your feet.</p> <h3>7. Nursing</h3> <p>Although I found varying statistics about the growth rate for nursing jobs, I felt I shouldn't rule it out, given a 2012 median pay of $65,000 &mdash; with just a two-year degree. There is a lot of versatility in this area &mdash; from hospitals to doctors' offices, clinics, the military, hospices, public health, etc. Another plus for nursing is that it can be a very family-friendly schedule, especially if you work in a clinic or doctors' office, for example, which are closed on weekends.</p> <h2>Jobs Requiring a High School Diploma</h2> <p>Yes, there are still high paying careers that require nothing more than a high school diploma.</p> <h3>8. Elevator Installers and Repairers</h3> <p>Having seen a young woman working on the elevator at the local hospital, I wondered if it was a good job, so I checked. The 2012 median pay? Try $76,650, with projected growth of 25% &mdash; faster than average. One article even calls it a &quot;<a href="http://www.riseandgrind.com/2010/03/10/elevator-technician-recession-proof/">recession-proof job</a>.&quot; To get the gig, you'll need to serve an apprenticeship, be physically fit, and often be on call.</p> <h3>9. Law Enforcement</h3> <p>As of the 2007 census, only about one in eight local <a href="http://www.bjs.gov/index.cfm?ty=tp&amp;tid=71">police officers were women</a>. This career deserves a hard look. The pay ranges from $55,000 to $74,000 with a high school education and some on-the-job training. Government police jobs also have excellent health benefits, including dental and retirement funds. If you earn the rank of detective, pay takes a big jump. I only know one female police officer, and it ain't easy. It's dangerous work, but these women love their jobs.</p> <h3>10. Purchasing Manager</h3> <p>At a 2012 median of $60,550, the pay is good, but 4% growth is slow. Most of the job openings I found seemed to have &quot;specialties,&quot; i.e., automotive, construction, government, etc. Obtaining certification is recommended. If you are someone who enjoys the hunt of the best bang for your buck, you'd probably enjoy this job.</p> <p><em>Do you have a high-paying job without a four-year degree? Tell us about it below!</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/10-high-paying-careers-with-low-educational-barriers">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/9-careers-you-dont-need-a-ton-of-experience-to-start">9 Careers You Don&#039;t Need a Ton of Experience to Start</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-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/these-17-companies-will-help-you-repay-your-student-loan">These 17 Companies Will Help You Repay Your Student Loan</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/7-great-jobs-that-offer-college-loan-forgiveness">7 Great Jobs that Offer College Loan Forgiveness</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-part-time-jobs-that-offer-college-benefits">8 Part-Time Jobs That Offer College Benefits</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Job Hunting careers degrees growth income Thu, 23 Apr 2015 15:00:10 +0000 Marla Walters 1398947 at http://www.wisebread.com 12 Times You're Better Off Without a Promotion http://www.wisebread.com/12-times-youre-better-off-without-a-promotion <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-times-youre-better-off-without-a-promotion" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000062383406_XXXLarge.jpg" alt="business woman window" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've been with a company for years, and have received excellent performance reviews. You may even be due for a promotion. Maybe it will come with a bigger paycheck, a larger office, and a fancier title. But should you automatically accept a promotion if one is offered? (See also: <a href="http://www.wisebread.com/12-ways-to-finally-get-that-promotion-this-year?ref=seealso">12 Ways to Finally Get That Promotion This Year</a>)</p> <p>Moving up the corporate ladder seems like a no-brainer, but there are many reasons why you might be better off declining.</p> <h2>1. You Wouldn't Be Doing What You Want to Do</h2> <p>You went into engineering because you really love using technical skills to build things and solve problems. But now you're a manager, and you spend more time in budget meetings and strategy sessions than actually working on projects. Promotions can bring some extra money and influence, but what's the point if you're not doing something you enjoy &mdash; or worse, if you're being derailed from your intended career path?</p> <h2>2. Your Job Might Actually Become Less Secure</h2> <p>It seems a bit counterintuitive that a promotion would actually make you more vulnerable to a layoff, but it is possible. It's often more cost-effective for companies to get rid of a layer of management than lay off workers in the lower rung. There's also a perception &mdash; right or wrong &mdash; that <a href="http://knowledge.wharton.upenn.edu/article/caught-in-the-middle-rising-unemployment-takes-its-toll-on-older-managers/">middle managers aren't tech savvy</a>, and are therefore more dispensable.</p> <h2>3. You Would Have No Real Authority, But Would Be Accountable</h2> <p>So you got that promotion and now have some employees reporting to you. But you may find it frustrating to learn that while you're accountable for your department's performance, there are outside factors that impact your ability to control outcomes. Before accepting a promotion, try to gauge how much input you will actually have on key decisions.</p> <h2>4. It Would Require a Relocation</h2> <p>You've been offered an opportunity to move up in the company, but there's a catch: You need to move to Portland, Oregon. Now, Portland is a lovely city, but you're from Baltimore, and so are all of your friends and family. Living in Portland may be a little pricier, and the city doesn't even have a Major League Baseball team! For some people, moving for work is a fun adventure, but for many others, the change in location might not be worth it.</p> <h2>5. It Would Be a Promotion in Name Only</h2> <p>Some companies like to add &quot;senior&quot; to your title and give you a lot of extra responsibility. But does it come with extra pay or other perks? Is it really just a &quot;lateral&quot; move? If you're being saddled with extra work and stress but aren't being compensated for it, it may be the wrong kind of &quot;promotion.&quot; Occasionally, this is okay if you're learning some new skills that will pay off down the road, but it's important to make sure your employer isn't taking advantage of you.</p> <h2>6. You Don't Plan to Stay With the Company</h2> <p>Let's say you've been fantasizing for years about opening your own gourmet donut shop, and are about six months away from having enough money saved for it. Then your employer calls and offers you a big promotion. Do you accept the offer, knowing that you were on the verge of leaving to pursue your dream? Taking a promotion when you're a short timer is pointless &mdash; and is unfair to the employer. This is also good advice for someone who is considering leaving a company due to its shaky finances. If you weren't confident in the company before, getting a new title and bigger paycheck isn't going to change matters.</p> <h2>7. You'd Be Asked to Fix the Unfixable</h2> <p>I once had a friend who took a job to turn around a struggling division. He saw it as an opportunity to show off some leadership skills and execute his own vision. In a short time, however, he learned that the division's problems were so deep that they were beyond his ability to repair. Occasionally, higher-ups might give credit to an employee for making the best of a bad situation, but it's often just misery with no happy ending. Don't accept a promotion to &quot;save&quot; something that is beyond saving.</p> <h2>8. Your Work-Life Balance Would Suffer</h2> <p>Is this new job going to require longer hours at the office? Will you be on the road constantly? Will you constantly be on call? You may be at a point in your life when you need to be home more often to care for kids or an elderly parent. Or maybe you just want more time to pursue various interests. CNBC last year reported on some&nbsp;<a href="http://www.cnbc.com/id/101755874">dads who declined promotions</a> because they wanted to spend more time with their families. You should not be so reliant on that extra paycheck that you're willing to sacrifice the quality of your non-work life.</p> <h2>9. You're Not Qualified</h2> <p>It's great to take on a new challenge, but it's important to be honest about your own talents and experience. We may be conditioned to fight off a fear of failure, but there are instances when those fears may be valid. If you enter into a job without the right skill set, you could find yourself with no career at all.</p> <h2>10. The Only Reason You're Considering It Is for the Money</h2> <p>A better paycheck is great motivation to climb the corporate ladder, but if it's the only reason you're even thinking about taking the job, turn it down &mdash; assuming the money isn't really needed.</p> <h2>11. The Job Doesn't Align With Your Values</h2> <p>If you're a vegetarian, would you enjoy being in charge of a marketing campaign for the beef industry? If you're a Quaker, could you be an engineer of a major weapons system? We all have values and beliefs that guide us, and working in any job that's contrary to those beliefs can make us miserable.</p> <h2>12. It's a Dead End</h2> <p>You may think that moving up the ladder is always good thing, but it's important to also think of the next step. Do you see a potential path to other opportunities within the company? Does this new job really add anything to your resumé? If you lose this job, will you be able to easily find a new one in the same field?</p> <p><em>Have you ever turned down a promotion? If so, why?</em></p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F12-times-youre-better-off-without-a-promotion&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F12%2520Times%2520Youre%2520Better%2520Off%2520Without%2520a%2520Promotion.jpg&amp;description=12%20Times%20You're%20Better%20Off%20Without%20a%20Promotion"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/12%20Times%20Youre%20Better%20Off%20Without%20a%20Promotion.jpg" alt="12 Times Youre Better Off Without a Promotion" width="250" height="374" /></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/12-times-youre-better-off-without-a-promotion">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-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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/avoiding-grass-is-always-greener-syndrome">Avoiding grass-is-always-greener syndrome</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/7-reasons-you-shouldnt-vacation-shame-your-coworkers">7 Reasons You Shouldn&#039;t &quot;Vacation Shame&quot; Your Coworkers</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/7-signs-youre-working-for-an-impossible-boss">7 Signs You&#039;re Working for an Impossible Boss</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/the-4-jobs-people-quit-the-most">The 4 Jobs People Quit the Most</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income careers job market jobs promotions Wed, 25 Feb 2015 10:00:05 +0000 Tim Lemke 1304052 at http://www.wisebread.com 12 Gross Jobs That Pay Pretty Well http://www.wisebread.com/12-gross-jobs-that-pay-pretty-well <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-gross-jobs-that-pay-pretty-well" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/sewer-463602117.jpg" alt="manhole" title="manhole" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>&quot;Where there's muck, there's brass&quot; is an expression frequently used in Britain. I know I heard it a lot growing up, and it remains true today. Brass is a slang term for money in the UK, for obvious reasons, and muck can mean any type of dirt, or even manure. Therefore, the phrase can be simply translated as &quot;wherever there are dirty jobs, there is money to be made.&quot; (See also: <a href="http://www.wisebread.com/10-awesome-jobs-you-didnt-know-existed-and-how-to-get-them?ref=seealso">10 Awesome Jobs You Didn't Know Existed</a>)</p> <p>How much money doesn't always depend on the amount of dirt or the severity of the job. And, of course, a lot of money is relative. If you're a CEO of a major corporation, you're not going to give it all up to become a coal miner or garbage collector. Still, if you're willing to get your hands dirty, or risk more than just a few grubby fingernails, you can make a lot more money in this line of work than you ever could working behind the cash register at McDonalds.</p> <p>Here's the list, in no particular order, starting with a truly unusual way to make a living.</p> <h2>1. Crime Scene Cleaner: $35,000&ndash;$80,000</h2> <p>You've probably seen hundreds of TV shows and movies that contain crime scenes. The detectives and forensics experts come in, analyze everything, and then rush off to catch the bad guys. What they leave behind, however, doesn't go away. It has to be dealt with. Professional crews come in, and they specialize in crime scene cleaning. To be a <a href="http://everydaylife.globalpost.com/crime-scene-cleanup-job-duties-2469.html">crime scene cleaner</a>, you have to have a strong stomach and take lots of precautions. In many cases, you're dealing with hazardous waste, harmful viruses, and deadly bacteria. It's also not a 9 to 5 job; you need to be ready to jump into action at a moment's notice, so you have to organize your social life accordingly. However, if you can handle it, you can make over $80,000 a year with just a few years' experience. Crime may not pay, but cleaning up after it certainly does!</p> <h2>2. Garbage Collector: $40,000&ndash;$60,000</h2> <p>Most of us don't even like putting out the trash, so those who deal with it for a living deserve a decent wage. <a href="http://www.simplyhired.com/salaries-k-garbage-collector-jobs.html">Garbage collectors</a> work in all conditions, all year round. Rain, sleet, hail, snow, and the burning sunshine. That last one may be the toughest to deal with, as hot trash is not a pleasant smell at all. Have you ever been to Manhattan on a really hot day? The smell of garbage is quite potent. It's also a dangerous job, and garbage collectors deal with angry motorists who hate being stuck behind the truck. Having all that to deal with does bring some rewards though. The average salary for a garbage collector is around $43,000, but overtime can shoot that to over $60,000 a year. (See also: <a href="http://www.wisebread.com/10-difficult-jobs-that-are-worth-the-effort?ref=seealso">Difficult Jobs That Are Worth the Effort</a>)</p> <h2>3. Gastroenterologist: $100,000&ndash;$750,000</h2> <p>When it comes to medical professions, <a href="http://www.medscape.com/features/slideshow/compensation/2013/gastroenterology">gastroenterology ranks highly</a> for compensation. The average salary is $342,000, but over 19% of gastroenterologists earn more than $500,000 a year! However, there are a few drawbacks to this field. Dealing with the digestive tract, and conditions like colon polyps, colon cancer, hepatitis, peptic ulcers, irritable bowel syndrome, and a whole host of other nasty conditions, it's not surprising this job pays well. And of course, it can cost as much as $250,000 in medical school fees and 10 years of hard studying to become a qualified gastroenterologist. (See also: <a href="http://www.wisebread.com/15-ways-to-pay-back-student-loans-faster?ref=seealso">Ways to Pay Back Student Loans Faster</a>)</p> <h2>4. Sewer Inspector: $40,000&ndash;$55,000</h2> <p>We go from the digestive tract to the sewer, quite a nice segue. Working in a sewer is no one's idea of fun. Sewers smell horrendous. They're a breeding ground for all sorts of dangerous bacteria and are home to human excrement, bugs, rats, cockroaches, and sometimes, a dead body or two. Although dressed in protective clothing, <a href="http://www.simplyhired.com/salaries-k-sewer-inspector-jobs.html">sewer inspectors</a> have to wade through rivers of the nastiest sludge imaginable. And that odor sticks, even after the most vigorous shower. Still, an average salary of $47,000 helps take the sting out of that job.</p> <h2>5. Portable Toilet Cleaner: $35,000&ndash;$58,000</h2> <p>From sewers to, well, more human excrement. Lovely! Few people, if any, would ever say they always wanted to be a <a href="http://happycleaning.blogspot.com/2012/09/the-highest-paid-cleaning-jobs-in.html">portable toilet cleaner</a> when they grew up. It's just not that kind of job. And if you've ever used one of these things, you know just how awful they can be. They can really stink on hot days, and there are nasty people out there who treat these portable toilets with no respect, leaving their business over the seat, the floor, and even the walls. Portable toilet cleaners have to deal with this, using a huge vacuum to suck out all the waste, and then cleaning down the surfaces. It's tough work, but it pays well.</p> <h2>6. Crab Fisherman: Up to $60,000 for 2&ndash;3 Months' Work</h2> <p>If you've seen TV's &quot;Deadliest Catch,&quot; you know just how tough and grueling this job can be. Icy winds, freezing rain, stormy seas, huge waves, and massive 800-pound crab pots make this a truly tough job. Not to mention the fact that you're spending 20 hour days surrounded by crabs, fish, and foul smelling creatures &mdash; like your crewmates. The work is done for only a few months of the year, but it's lucrative. A <a href="http://www.celebritynetworth.com/articles/how-much-does/crab-fisherman-salary/">seasoned deck hand</a> can earn a whole year's salary in just a few months, and spend the rest of the time doing other work or just relaxing. (See also: <a href="http://www.wisebread.com/how-to-get-free-accommodations-and-paid-jobs-on-boats?ref=seealso">How to Get Free Accommodations and Paid Jobs on Boats</a>)</p> <h2>7. Podiatrist: $115,000&ndash;$292,000</h2> <p>Feet. Some people love them. Most people try to avoid them. The first issue with feet is that they can smell. And smell pretty bad, too. Being trapped in socks and shoes all day doesn't help, but then you get things like corns, bunions, athlete's foot, ingrown toenails, and nail fungus. Not the kind of thing anyone wants to see first thing in the day. However, the financial rewards are great. The <a href="http://swz.salary.com/SalaryWizard/Physician-Podiatry-Salary-Details.aspx">average podiatrist</a> takes home $177,000 per year. Of course, it takes time and money to become qualified, but that soon pays off.</p> <h2>8. Oil Rig Worker: $35,000&ndash;$236,000</h2> <p>It's dirty, dangerous work, and you have to spend a lot of time away from your family. But if you don't mind getting your hands dirty or risking your life from time to time, and you can handle living in middle of the ocean, you can reap the rewards. Entry-level jobs in this industry start at $35,000. The average salary of an <a href="http://money.cnn.com/2012/05/10/news/economy/oil_workers/">oil rig worker</a> is almost $100,000 per year. And if you take on a skilled role, like drilling consultant, you can take home as much as $236,000 per year.</p> <h2>9. Coal Miner: $50,000&ndash;$100,000</h2> <p>Just as dangerous and dirty as working on an oil rig is working in a coal mine. It's considered one of the most dangerous professions, with the constant risk of the mine collapsing or exploding from trapped methane gas. <a href="http://www.payscale.com/research/US/Industry=Coal_Mining/Salary">Coal miners</a> also breathe in coal dust, which can turn into something very nasty called Black Lung (although the risk of that is rare these days compared to coal mining back in the day). But, if you are willing to put up with that and the claustrophobic conditions, you can take home an average of $64,000 per year.</p> <h2>10. Embalmer: $26,000&ndash;$62,000</h2> <p>Another job that's not for the squeamish. <a href="http://www.payscale.com/research/US/Job=Embalmer/Salary">Embalmers</a> have a long list of duties when it comes to preparing a dead body for burial. It starts by logging any bruising or discoloration on the body, and then includes such tasks as gluing the eyelids shut, tying the jaw together, gluing lips together, injecting embalming fluid, and suctioning fluids out of organs and torso. Personally, I couldn't do it. But if you can handle it, you can pick up an average salary of $40,000 per year.</p> <h2>11. Plumber: $20,000&ndash;$93,000</h2> <p>Depending on who you work for and what you do, plumbing can be a 40-hours-a-week job or something round the clock. And if you're a <a href="http://www.payscale.com/research/US/Job=Plumber/Salary">plumber</a> doing late night callouts, you can earn a lot of money. Of course, plumbing is not just leaky pipes and dripping faucets. A lot of time you're dealing with raw sewage, dangerous chemicals, nasty weather conditions, and major home repairs. When water is pouring through a ceiling, people get anxious. However, if you have the training and the resolve, you can earn a very nice living indeed.</p> <h2>12. Landfill Gas Operator: $53,000&ndash;$148,000</h2> <p>Perhaps the phrase used at the beginning should be changed to &quot;where there's gas, there's brass.&quot; Landfills contain millions of tons of garbage, and that garbage festers. It's teeming with bacteria, nature's natural process of breaking down the waste. And the byproduct of that process is methane gas; lots and lots of methane gas. It's not pleasant to smell, but as a <a href="http://www.insidejobs.com/careers/landfill-gas-collection-operator">landfill gas operator</a> you remove this gas, which can be dangerous if left unchecked, and funnel it to pipelines, which can power homes and businesses. And the take home pay doesn't stink at all!</p> <p><em>Any gross, but well-paying jobs I've missed? Please share them in comments!</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/12-gross-jobs-that-pay-pretty-well">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/10-great-jobs-for-people-who-hate-the-9-5">10 Great Jobs for People Who Hate the 9-5</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/12-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/avoiding-grass-is-always-greener-syndrome">Avoiding grass-is-always-greener syndrome</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/america-is-the-no-vacation-nation">America Is the No Vacation Nation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income careers good jobs gross jobs Thu, 20 Feb 2014 11:24:15 +0000 Paul Michael 1126581 at http://www.wisebread.com Best Money Tips: Common Resume Misconceptions http://www.wisebread.com/best-money-tips-common-resume-misconceptions <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-common-resume-misconceptions" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000012237973Small-1.jpg" alt="Common Resume Misconceptions" title="Common Resume Misconceptions" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found some great articles on common resume misconceptions, how to break bad financial habits, and getting the best hotels for the lowest rates.</p> <h2>Top 5 Articles</h2> <p><a href="http://money.usnews.com/money/careers/articles/2011/07/21/5-common-resume-misconceptions">5 Common Resume Misconceptions</a> &mdash; It is not necessary to have an objective statement on your resume. [US News &amp; World Report]</p> <p><a href="http://www.savvysugar.com/Bad-Financial-Habits-How-Break-Them-18360999">How To: Break 5 Bad Financial Habits</a> &mdash; Break one of your bad financial habits by paying your bills on time. [SavvySugar]</p> <p><a href="http://moneysmartlife.com/best-hotels-for-the-lowest-rates/">The Best Hotels for the Lowest Rates</a> &mdash; Get the best deal on hotels by considering rewards programs. [Money Smart Life]</p> <p><a href="http://www.theamateurfinancier.com/blog/financially-balancing-future-family-fun/">Financially Balancing Your Future, Family, and Fun</a> &mdash; Balance your finances by making sure you have a little fun. [The Amateur Financier]</p> <p><a href="http://timemanagementninja.com/2011/07/will-you-fail-at-your-vacation/">Will You Fail at Your Vacation?</a> &mdash; Make sure your vacation is a success by unplugging yourself from technology. [Time Management Ninja]</p> <h2>Other Essential Reading</h2> <p><a href="http://parentingsquad.com/the-working-mom-alternatives-to-daycare">Working Mom Alternatives To Daycare</a> &mdash; Instead of sending your kid to daycare, consider working part-time or job sharing. [Parenting Squad]</p> <p><a href="http://www.dumblittleman.com/2008/04/7-simple-ways-to-burst-out-of-bed-each.html?utm_source=feedburner&amp;utm_medium=feed&amp;utm_campaign=Feed%3A+DumbLittleMan+%28Dumb+Little+Man+-+tips+for+life%29">7 Simple Ways To Burst Out of Bed Each Morning</a> &mdash; Burst out of bed each morning by living with purpose. [Dumb Little Man]</p> <p><a href="http://getcurrency.com/technology-toys/mint-payoff-adaptu-how-to-choose-a-money-management-site">Mint, Payoff, Adaptu: How to Choose a Money Management Site</a> &mdash; Not sure which of the most popular money management sites to use? Here is a breakdown of the top three! [Currency]</p> <p><a href="http://lifehacker.com/5822608/how-do-i-sharpen-a-kitchen-knife">How Do I Sharpen a Kitchen Knife?</a> &mdash; To sharpen a kitchen knife, be sure to hold the knife at a 22 degree angle to the honing steel. [Lifehacker]</p> <p><a href="http://www.moneymanagement.org/Community/Blogs/Blogging-for-Change/2011/July/Tips-for-buying-and-selling-at-a-pawn-shop.aspx">Tips for buying and selling at a pawn shop</a> &mdash; When selling at a pawn shop, be sure to negotiate. [Blogging For Change]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-jacobs">Ashley Jacobs</a> of <a href="http://www.wisebread.com/best-money-tips-common-resume-misconceptions">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/9-careers-you-dont-need-a-ton-of-experience-to-start">9 Careers You Don&#039;t Need a Ton of Experience to Start</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/are-online-certifications-worth-the-price">Are Online Certifications Worth the Price?</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-great-careers-you-can-have-with-a-liberal-arts-degree">10 Great Careers You Can Have With a Liberal Arts Degree</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/12-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</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-questions-you-should-always-ask-in-an-exit-interview">8 Questions You Should Always Ask in an Exit Interview</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income best money tips careers job hunting resume Fri, 22 Jul 2011 10:00:06 +0000 Ashley Jacobs 632643 at http://www.wisebread.com Need a Job? Try Searching in China http://www.wisebread.com/need-a-job-try-searching-in-china <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/need-a-job-try-searching-in-china" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/yangzhou.jpg" alt="Yangzhou" title="Five Pagoda Bridge, Yangzhou" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>Recently I read an article in <em>The New York Times</em> that profiled <a href="http://www.nytimes.com/2009/08/11/business/economy/11expats.html?bl&amp;ex=1250136000&amp;en=370e4670dc148005&amp;ei=5087%0A">young American graduates who found jobs or started businesses in China</a>. Personally I have not worked in China before, but many of my family members and some friends do. One of my good friends is actually pursuing her MBA right now with the goal of finding a job in China once she graduates. This is not such a crazy idea considering that unemployment is still very high in the United States, and China is still in need of talented professionals who are familiar with the western culture. Here are some quick tips for those who are interested in working in China.</p> <h2>Language barrier</h2> <p>Many people are hesitant to apply to positions in China because they do not know Chinese, but as <em>The New York Times</em> article pointed out, some jobs do not require the knowledge of Chinese. There are many foreign companies operating in China that have offices that speak English. Additionally, English is officially the second language in China and it is taught from the sixth grade. Most college educated Chinese people will be able to speak a bit of English. It is helpful to learn Chinese if you have to live in China, but many companies offer training in this area.</p> <h2>Compensation</h2> <p>A new college graduate in China considers 5000 to 6000 yuan a month to be a very good payrate right now. This works out to be $730 to $838 a month at the current exchange rate of 6.83 yuan to a dollar, and most recent graduates do not get paid that much. It is very easy to spend that much and more each month if you live in Beijing or Shanghai due to the cost of living. That is why some young folks in China are called &quot;yueguangzhu&quot; or &quot;moonlight tribe&quot; which means &quot;the generation that ends up with nothing every month.&quot; (This is a pun based on &quot;yue&quot; which means&nbsp; &quot;moon&quot; or &quot;month&quot; and &quot;guang&quot; which means &quot;light&quot; or &quot;emptiness.&quot;) The best situation for a foreign job seeker would be to find a position that pays American or European pay. For example, if you are hired by an American company to work in China for $3000 a month, then you would be earning 3 to 4 times the local pay and you can live very well.</p> <h2>Job types</h2> <p>There are many junior positions for new graduates, but many candidates will be competing for these positions and the pay will be lower. There are many senior executive level positions available in China, too. These senior positions are actually very lucrative if the right person is willing to relocate. Most of the time the senior positions may require some fluency in Chinese.</p> <h2>Employers</h2> <p>If you are truly ready to take the plunge, it is probably easier to start your search with large U.S. or Europe based companies first. For example, multinationals like <a href="http://www.intel.com/jobs/china/">Intel have offices in China they are actively recruiting for</a>. This site called <a href="http://www.newchinacareer.com/index.html">New China Career</a> lists many jobs from large companies such as IBM and J.P. Morgan. You can also find joint ventures and private companies in China that hire foreigners.</p> <h2>Cost of living</h2> <p>The cost of living has risen dramatically in the last decade in China. In large cities like Beijing and Shanghai, monthly costs can be comparable to or even higher than large cities in America if you want to live in the best areas. However, if you are frugal and not extremely picky about where you live then your cost of living would be much lower. Right now it is possible to rent a decent small condo in Shanghai or Beijing for $200 to $400 a month. Many young people have roommates in these big expensive cities to cut down living costs further. As to food, if you want to eat at your favorite American fast food places you would have to pay American prices. However, if you cook your own food from groceries at the local market, it is possible to eat fairly well for under $100 a month. If you go out to the posh clubs and restaurants every night then there is really no limit to how much you can spend, but that is true anywhere.</p> <h2>Transportation</h2> <p>If you do live in a big metropolis in China then you probably do not need a car because there will be public transit everywhere. Business districts are also tightly packed so it is possible to walk or take short cab rides to get to your destination. Another cheap option is to get a bike, but as Carrie mentioned in her article <a href="http://www.wisebread.com/cheap-china-the-expat-way-or-better-the-chinese-way">it could be dangerous</a> due to the unruly traffic. Even though in my last visit to Beijing after the Olympics it looked like the bike lanes were quite wide and well paved, other Chinese cities' traffic were not so orderly. The fact is that it is actually extremely expensive to get your own private car in China. For example, in Shanghai it costs more than $6000 just to get a car registered, and there is a waiting list to participate in these license plate auctions. Public transportation is definitely the cheapest way to go, but you have to get used to the pushing and crazy amount of riders during peak hours.</p> <p>There are many more issues about working in China such as taxes, work permits, and culture that I am leaving out in this post. It is a big change to move to a foreign country for a job, but my point here is that you do not have to restrict your search for opportunity in one small section of the world. Globalization is happening <a href="http://www.wisebread.com/small-business/how-to-find-and-hire-a-virtual-assistant-for-your-small-business">whether we like it or not</a>, and if you are adventurous enough, working in China is a good opportunity to advance your career and also gain some perspective on the most populous country in the world. Now the hardest part is probably to get hired, since competition may be fierce for some of the more lucrative jobs, but it does not hurt to try.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/xin-lu">Xin Lu</a> of <a href="http://www.wisebread.com/need-a-job-try-searching-in-china">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/10-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</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/5-things-never-to-bring-up-in-a-job-interview">5 Things Never to Bring Up in a Job Interview</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-gadgets-every-work-at-home-professional-needs">6 Gadgets Every Work at Home Professional Needs</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-ways-to-deal-when-youre-way-behind-at-work">6 Ways to Deal When You&#039;re Way Behind at Work</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-great-jobs-that-offer-college-loan-forgiveness">7 Great Jobs that Offer College Loan Forgiveness</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building careers China work Thu, 13 Aug 2009 22:00:04 +0000 Xin Lu 3496 at http://www.wisebread.com Hey Kids! It's Time Your Butt Got a Job http://www.wisebread.com/hey-kids-its-time-your-butt-got-a-job <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/hey-kids-its-time-your-butt-got-a-job" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/Teen-Worker-StockCooler.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="333" /></a> </div> </div> </div> <p> <meta http-equiv="CONTENT-TYPE" content="text/html; charset=utf-8" /><br /> <title></title><br /> <meta name="GENERATOR" content="OpenOffice.org 3.0 (Win32)" /></p> <style type="text/css"> <!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --><!-- @page { margin: 0.79in } P { margin-bottom: 0.08in } --> </style></p> <p style="margin-bottom: 0in;">The economy is hurting all of us &ndash; especially families trying to raise and <a href="http://www.wisebread.com/not-rich-enough-and-not-poor-enough">educate their kids</a>. Unfortunately, things have become so tight that there is often little left over to do anything but complain. Even worse, a lot of struggling parents still cater to their offspring who are now of an age where they should no longer expect their parents to buy everything for them and instead take an interest in earning their own money.</p> <p style="margin-bottom: 0in;">Who doesn't have a grandpa that can regale you with tales of his early earnings of a few pennies an hour that went to support his entire family? Well, these days, most kids who are working are only doing it to feed their shoe, clothing, video game, or dating habits. How many actually contribute to the entire welfare of the family? Sure, there are many who do just that, all the while struggling to get a college degree for themselves. But there are many more youth who'd rather sit at home and do not much of anything for themselves.</p> <p style="margin-bottom: 0in;">So, as parents in need, it really is not that unreasonable to get your of-age children out into the work force, at least during the summer months when school is not in session. The concept of work and <a href="http://www.wisebread.com/how-much-should-your-kids-know-about-your-finances">earning their own money</a> may be a bit foreign to some teens out there, so I made a nice little to-do list that parents can pass along to their teens as they break the news that a summer job is on the menu.</p> <p style="margin-bottom: 0in;">Here is what you both can work on together:</p> <p style="margin-bottom: 0in;"><u><strong>Make Sure The Kid is Legit</strong></u></p> <p style="margin-bottom: 0in;">The legal working age for teenagers in the US is 14. There are <a href="http://www.allbusiness.com/labor-employment/human-resources-personnel-management/10630788-1.html">different regulations </a>regarding working papers in each state. You can contact the Department of Labor to find out the rules for your area or even check in with the staff at the high school who might even have the papers you need to complete. The earlier you do this, the better prepared you are before securing a summer job.</p> <p><u><strong>Get To Asking Around</strong></u></p> <p style="margin-bottom: 0in;">There are a ton of people every teen knows and sees everyday. From teachers to coaches, to music lesson instructors and neighbors and friends, there is a great chance someone knows somebody who e who needs help. Running errands, planting gardens, doing small home repair work can not only keep you out of the fast food joints, they may turn into something enjoyable, financially rewarding, and an incredible learning experience. Let everyone know you are going to be looking for work this summer. You never know what you might find if you just ask.</p> <p style="margin-bottom: 0in;"><u><strong>Get Creative</strong></u></p> <p style="margin-bottom: 0in;">When teens think of a J-O-B, they may only think in terms of <a href="http://www.wisebread.com/retail-job-lessons-learning">retail</a>, restaurants and grocery stores. But the reality is there is a whole world of opportunity out there for young entrepreneurs. Some of the richest people in the world today start out as a kid dabbling in their own creative worlds, which in turn gave them the start to where they are today. If you have an idea, an invention, or a plan, share it with your parents. If they can't help, keep digging around until you find someone that can.</p> <p style="margin-bottom: 0in;"><u><strong>Be Enthusiastic But Appropriate</strong></u></p> <p style="margin-bottom: 0in;">When you go out in search of a job, it's great to show people your personality but keep it appropriate. Watch your language and that includes proper English. Use your manners. A &ldquo;please&rdquo; and a &ldquo;thank you&rdquo; can certainly go a long way. Remember that your enthusiasm is a great asset but it is also just as important that you can stay focused on the job and tasks required of you.</p> <p style="margin-bottom: 0in;"><u><strong>Be On Time for the Interview (and Every Day of Work)</strong></u></p> <p style="margin-bottom: 0in;">No employer is going to hire someone who can't even make it to the interview on time. You need to present yourself in the best possible manner, no matter what the nature of the job is. Dress neatly even if it is a casual atmosphere. Bring references and records from school, to show that you are dedicated and interested in making a good first impression. Remember, you only get that chance once. Thank the interviewer for their time and when you get home, drop them a thank you note in the mail. This may carry some extra weight in the hiring decisions.</p> <p style="margin-bottom: 0in;"><u><strong>Celebrate a Job Well-Done Then Get to Work</strong></u></p> <p style="margin-bottom: 0in;">When you get the news that you have been hired for a summer or part time job, be proud of yourself for doing great legwork to get yourself the job. But don't celebrate for too long. You want to start your job on time and well rested. You'll want to pay attention in order to learn your way around the new position. Be sure to show initiative and don't wait for everyone else to always tell you what to do or what needs to be done. If you want to keep your hard-earned job, you will need to prove yourself worth of the job.</p> <p style="margin-bottom: 0in;"><strong>&nbsp;Make A Deal With the Parental Units</strong></p> <p style="margin-bottom: 0in;">While your parents may be reluctant to accept your money, there is no reason why you have to work for completely selfish reasons. Heck, your parents don't. While it is fine to keep some of your paycheck for yourself, make sure you give back to the people who have endlessly given to you. Make a trip tot he grocery store and pick up some basics without being asked. Take mom and dad out to dinner to celebrate your first pay. They will appreciate all of those simple things more than you can begin to understand.</p> <p>&nbsp;</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tisha-tolar">Tisha Tolar</a> of <a href="http://www.wisebread.com/hey-kids-its-time-your-butt-got-a-job">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-7"> <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/use-holiday-hiring-to-get-your-next-job-and-keep-it">Use Holiday Hiring to Get Your Next Job – And Keep it!</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/101-tax-deductions-for-bloggers-and-freelancers">101 Tax deductions for bloggers and freelancers</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/is-six-figures-really-that-much">Is Six Figures Really That Much?</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/can-i-really-make-money-taking-surveys">Can I Really Make Money Taking Surveys?</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/money-in-your-yard-how-to-sell-palm-trees-for-cash">Money in Your Yard: How to Sell Palm Trees For Cash</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> careers family finances Making Extra Cash working teens. jobs Wed, 21 Jan 2009 12:55:05 +0000 Tisha Tolar 2761 at http://www.wisebread.com Use Holiday Hiring to Get Your Next Job – And Keep it! http://www.wisebread.com/use-holiday-hiring-to-get-your-next-job-and-keep-it <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/use-holiday-hiring-to-get-your-next-job-and-keep-it" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/JSU.Tim.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="313" /></a> </div> </div> </div> <p><em>[Editor's note:&nbsp; If you recently lost your job, take a look at Wise Bread's collection of <a href="http://www.wisebread.com/lost-my-job-tips-for-the-recently-laid-off">tips and resources for the recently laid off</a>.]</em></p> <p>I'm already getting emails from retailers letting me know that they need temporary workers for the holiday season. And while I'm not looking, I know plenty of people who have been left in search of a job, and with little time to spare. I caught up with Tim McCormack, President of <a href="http://www.jobsourceusa.net/">Job Source USA</a> (Omaha, NE), who opened my eyes to the world of possibilities. Here are the questions and answers most likely to get Wise Bread readers a chance at employment for the next few months, and possibly longer:</p> <p style="margin-bottom: 0in;"><strong>What kind of business does Job Source USA help retain employees for, and do these industries all require additional help during the holidays?</strong></p> <p style="margin-bottom: 0in;">Job Source USA is able to provide temps, temps-to-hire or direct hire employees to all types of business. For example, right now were are helping<br /> local retail businesses for the holiday season. In addition, though it is months away, we are starting to place individuals who will help accountants<br /> and tax preparation businesses with personnel for the tax season that begins right after the holiday. We are always working ahead of schedule so that we<br /> can provide our clients with the best possible employees.</p> <p><strong>When do businesses usually start hiring for holiday business?</strong></p> <p style="margin-bottom: 0in;">Businesses start hiring for the holiday season at the end of September and the first part of October. It's important to start early. Again, the best possible employees are those who are prepared and armed with a job plan. Those are already coming to use with resumes in hand trying to secure top-level temporary holiday jobs.</p> <p><strong>What percentage of new holiday hires would go on to become permanent employees? Do they replace existing employees, or does the workforce expand?</strong></p> <p>A lot depends upon the business needs of the company we place them with. Between 50 - 60 percent of those people that are placed with a company during the holiday season go on to become full time employees. These people are not displacing existing workers, some of these workers may be replacing workers who would be moving on to another job or who in the normal course of events choose to do go back to school or to do something else.</p> <p><strong>What can job applicants do to increase their chances of getting hired for the holidays? How can this be an advantage for being kept on permanently?</strong></p> <p>Applicants should have a good work history and good references, and once they are hired they should live up to their references....</p> <p><strong>What affect will the current economy have (if any) on this year's holiday hiring practices? </strong></p> <p>The economy is a big factor, and there is no doubt it will affect all of us here in the United States. However, our staffing company must keep a stockpile of qualified workers who are ready to go to work on an hour's notice. While we do have customers who plan ahead and work with us a good deal in advance of their needs, at least half our clients are simply reacting to a situation that arises when a worker doesn't show up for work for one reason or another.</p> <p style="margin-bottom: 0in;">Will we be able to place all these people? It depends on what is happening in the economy the month before the holiday season. Hiring for the tax companies will not be affected by the economy -- Everyone still must file a tax return. And while the manufacturing portion of our business has experienced a temporary<br /> slow down, the retail and service area seems to have remained steady. That could change tomorrow!</p> <p style="margin-bottom: 0in;">&nbsp;</p> <p style="margin-bottom: 0in;"><strong>So there you have it! Whether you use a company like Job Source USA to assist you in your career aspirations, or go straight to the source of that &quot;Now Hiring for the Holidays&quot; sign, there are things you can do now to keep you employed later.</strong></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/use-holiday-hiring-to-get-your-next-job-and-keep-it">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-8"> <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-warning-signs-that-it-is-not-the-job-for-you">6 Warning Signs that It Is Not the Job for You</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/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> <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/7-signs-youre-working-for-an-impossible-boss">7 Signs You&#039;re Working for an Impossible Boss</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/12-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</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-jobs-that-robots-cant-do-yet">10 Jobs That Robots Can&#039;t Do, Yet</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> careers cash employment Help hiring Holidays jobs Making Extra Cash Wed, 24 Sep 2008 22:16:16 +0000 Linsey Knerl 2456 at http://www.wisebread.com Book review: The Adventures of Johnny Bunko http://www.wisebread.com/book-review-the-adventures-of-johnny-bunko <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/book-review-the-adventures-of-johnny-bunko" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/johnny-bunko-cover.jpg" alt="Cover of The Adventures of Johnny Bunko" title="Cover of The Adventures of Johnny Bunko" class="imagecache imagecache-250w" width="250" height="390" /></a> </div> </div> </div> <p><a href="http://www.amazon.com/gp/product/1594482918?ie=UTF8&amp;tag=wisbre08-20&amp;linkCode=as2&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1594482918"><cite>The Adventures of Johnny Bunko: The Last Career Guide You'll Ever Need</cite></a>&nbsp;by Daniel H. Pink.</p> <p>Do you need a career guide?&nbsp; And, if so, do you need one written as manga?&nbsp; It almost doesn't matter--Daniel H. Pink has written one, and it's got enough good lessons packed into a tiny little book, that it's worth reading whether you need it or not.</p> <p>Let me begin a bit oddly (given that I'm recommending the book) to say that I've long disagreed with Pink.&nbsp; He's always been something of a cheerleader for abandoning the old employer-employee social contract in favor of the modern reality--that the people who used to think of themselves as employees need to think of themselves as free agents instead.&nbsp; The thing is, though, I've never thought that Pink was wrong, just that the changes were a poor public policy choice--I don't disagree with the <a href="/whats-an-employee-to-do-part-2">analysis</a>, just with the <a href="/whats-an-employee-to-do-part-1">cheerleading</a>.</p> <p>I've talked before about the importance of <a href="/find-work-worth-doing">finding work worth doing</a>--I've even come up with <a href="/pre-career-advice">some tips on how to do it</a>--but I've always felt like I've fallen short when it comes to helping the guy with no clue what he wants to do for the rest of his life but who needs to earn a living now.&nbsp; How does he thread the needle of finding an income to pay the bills while at the same time making progress on finding his true calling?&nbsp; Well, Pink has a big chunk of the answer right here.</p> <p>Johnny Bunko isn't a job search guide--there's nothing about resumes or cover letters (there is a bit of clever mockery of the interview process).&nbsp; It's about moving from where you are in your career to where you ought to be--by giving up on the notion that there's a specific path that you ought to follow, by using your strengths, by focusing on making your team and your boss a success, by sticking to it, by being bold, and by making a difference.</p> <p><a href="http://www.amazon.com/gp/product/1594482918?ie=UTF8&amp;tag=wisbre08-20&amp;linkCode=as2&amp;camp=1789&amp;creative=9325&amp;creativeASIN=1594482918">Johnny Bunko</a> is aimed at young folks at the start of their career, but anyone who hasn't found his or her life's work--and even some who have--will find its advice applies to them too.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/book-review-the-adventures-of-johnny-bunko">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-9"> <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-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</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-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/bosses-say-these-are-their-6-favorite-qualities-in-employees-do-you-have-them">Bosses Say These Are Their 6 Favorite Qualities in Employees — Do You Have Them?</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/book-review-the-only-investment-guide-youll-ever-need">Book review: The Only Investment Guide You&#039;ll Ever Need</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-common-job-hunt-tips-you-should-ignore">8 Common Job-Hunt Tips You Should Ignore</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building book review books career career advice careers job review Wed, 20 Aug 2008 14:53:37 +0000 Philip Brewer 2346 at http://www.wisebread.com 7 Great Jobs that Offer College Loan Forgiveness http://www.wisebread.com/7-great-jobs-that-offer-college-loan-forgiveness <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-great-jobs-that-offer-college-loan-forgiveness" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/college graduate_0.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="188" /></a> </div> </div> </div> <p>Paying for a college education can last up to 20 years post-graduation. While the cost is usually justified through higher earnings, it can still be burdensome. These seven careers are not only growing in opportunity, but they can sometimes offer partial to complete loan forgiveness!</p> <h2>Teaching</h2> <p>There are many arguments as to whether teachers get paid enough these days. If you could add in up to $17,500 in student loan forgiveness, however, it can make this high-demand career more appealing. Teachers that work in designated &ldquo;low income&rdquo; school districts for a minimum of five years can see some of that college debt wiped away. More debt forgiveness is offered to those teachers with an emphasis in math, science, and special education. (Full details found on the <a href="http://www.studentaid.ed.gov/PORTALSWebApp/students/english/cancelstaff.jsp">student aid government website</a>.)</p> <h2>Social Work</h2> <p>Social workers who dedicate their time to agencies servicing families in low income or high-risk geographical areas may see total forgiveness of their <a href="http://www.wisebread.com/college/perkins-loans">Perkins Loan</a>. An increasing amount of debt will be forgiven for each of 5 years served in these areas. Licensed clinical social workers will see the most money forgiven through government programs. (Visit <a href="http://www.socialworkers.org/advocacy/updates/2005/010406.asp">Socialworkers.org</a> for more information.)</p> <h2>Volunteering</h2> <p>Popular programs such as the <a href="http://www.peacecorps.gov/">Peace Corps</a>, <a href="http://www.americorps.gov/">AmeriCorps</a>, and Volunteers in Service to America (VISTA &mdash; which is now part of AmeriCorps) all offer deferment or partial payment towards loan debt. Each program differs in its formula for awarding payments. Participants may see up to 70% of select government loans forgiven. (<em>While not technically considered a paying &quot;job,&quot; a stipend is usually offered in the compensation package for these programs.)</em></p> <h2>Military</h2> <p>The Montgomery GI Bill, offered through the U.S. Armed Forces Recruiting program, may pay up to 60% of college tuition costs. Those active in the <a href="http://www.1800goguard.com/index_1024.asp">Army National Guard</a> may be eligible for a payment of up to $10,000 towards loan debt. Additionally, many veterans and private military associations offer funding through scholarships and grants.</p> <h2>Child Care</h2> <p>Many child care providers are eligible for up to 100% of outstanding loan debt. To qualify, they must have received an associate&rsquo;s or bachelor&rsquo;s degree in early childhood education. Their services must be used by a community of low-income families for two consecutive years. The program is open to new borrowers of federal education funds. (Note: This program has recently stopped taking applications to new participants. If you have received benefits in the past, however, you may still be eligible. See the program details <a href="http://www.studentaid.ed.gov/PORTALSWebApp/students/english/discharges.jsp">on this page</a> &mdash; scroll to the bottom.)</p> <h2>Medical Professionals</h2> <p>Doctors, nurses, and physical therapists can take advantage of several programs offering loan forgiveness in select geographic areas. By providing services to depressed regions, up to 100% of their loans may be deferred. Additional areas of need include clinical research and dental care. (A great list of resources can be found <a href="http://bhpr.hrsa.gov/nursing/loanrepay.htm">here</a> and <a href="http://nhsc.bhpr.hrsa.gov/">here</a> .)</p> <h2>Law</h2> <p>Law students and newly graduated lawyers who offer their services at free and reduced cost can take advantage of partial loan forgiveness. By working for agencies that provide public-interest or non-profit services, graduates can make a difference in the lives of those who can&rsquo;t afford legal representation. <a href="http://www.equaljusticeworks.org/">Equal Justice Works</a> has more information on these programs.</p> <p>As the need grows for more professionals to serve our communities, there will be an increasing reward for those who answer the call. Loan forgiveness can be a big motivator towards commitment in these fields. Participation in forgiveness programs can add value to your degree and will make college affordable for thousands more each year.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/7-great-jobs-that-offer-college-loan-forgiveness">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/8-surprising-ways-to-pay-off-your-student-loans">8 Surprising Ways to Pay Off Your Student Loans</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/these-17-companies-will-help-you-repay-your-student-loan">These 17 Companies Will Help You Repay Your Student Loan</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/3-private-lenders-that-can-really-save-you-money-on-your-student-loans">3 Private Lenders That Can Really Save You Money on Your Student Loans</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/what-every-parent-should-know-about-the-new-college-financial-aid-rules">What Every Parent Should Know About the New College Financial Aid Rules</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-tax-tricks-to-try-if-youre-stuck-with-student-loans">8 Tax Tricks to Try if You&#039;re Stuck With Student Loans</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Education & Training careers college loan forgiveness student loans Tue, 04 Mar 2008 18:30:48 +0000 Linsey Knerl 1885 at http://www.wisebread.com Avoiding grass-is-always-greener syndrome http://www.wisebread.com/avoiding-grass-is-always-greener-syndrome <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/avoiding-grass-is-always-greener-syndrome" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/green-grass.jpg" alt="Greener grass" title="Greener grass" class="imagecache imagecache-250w" width="250" height="129" /></a> </div> </div> </div> <p>For a worker down in the cube farm, it's easy to see the dysfunction of your own company, and to imagine that almost anyplace else would be better.</p> <p>I don't have any data to back this up except my own personal experience, but I've worked at enough companies and seen enough others up close that I'm willing to go out on a limb here: All companies are dysfunctional. The thing is, they're all dysfunctional in different ways. This means that it's possible to pick an employer whose dysfunctions are ones that will bug you less. The key is to understand what it is that's really bugging you, and then to check for those particular dysfunctions at the new company.</p> <p>The first part is easy to describe, although it may be hard to get the perspective to do a good job. All you need to do is:</p> <ul> <li>Analyze the dysfunctional aspects of your work that bug you.</li> <li>Think about them.</li> </ul> <p>The &quot;thinking&quot; stage here is not about coming up with ways to fix things at your current employer--let's give you credit for having made those efforts long ago. The reason to think about them is to come up with questions to ask at a potential new company to see if they're dysfunctional in the ways that you've already learned are a problem for you. (You don't need to find out if they're dysfunctional in other ways: they are. But maybe they're dysfunctional in ways that, although they may bug other people, you'll be able to just shrug off as no big deal.)</p> <p>If you're interviewing with people who will be your peers, you don't even have to be especially subtle. They don't want to have to work with some new-hire who turns grumpy and grouchy as soon as he or she starts, so if there's something that would make you grumpy or grouchy, ask about it. In the thinking stage above, you've come up with polite ways to get the information you want.</p> <p>You don't need to ask, &quot;Is the manager a insecure fool who cares more about face-time than actually getting the work done?&quot; But you can ask, &quot;What measures does the boss seem to use when evaluating performance.&quot; Your potential peers will very likely clue you in.</p> <p>You don't need to ask, &quot;Is the manager a psycho who yells at anyone who suggests that doing things differently might be better?&quot; But you can ask, &quot;Is process-improvement an important goal here?&quot;</p> <p>It's always good to toss out a few general questions that can elicit warnings. &quot;Tell me about the culture here,&quot; is worth trying. Ask about how different departments work together. If there are multiple sites, ask about how they work together. Any general questions about how things are done give people a chance to warn you about the things that bug them, giving you the information you need to decide if those things will bug you.</p> <p>If your only chance to interview is with the boss, it gets a little harder, but only a little. Your boss is no more interested in hiring someone who will be miserable there than your peers are. Find ways to ask the questions such that asking won't ruin your chances if the answer is what you're hoping it is. Neutral questions, such as &quot;What are a couple of things you do to promote teamwork among your employees?&quot; are usually safe. Even better are questions that give the boss a chance to praise their working environment. You'll find out what the boss thinks are plusses, without needing to mention things that might be minuses for you.</p> <p>When a potential boss or coworker doesn't have a good answer, it's always possible that simply asking will shoot down your chances--but that isn't so bad if you'd just have been miserable at the new place anyway.</p> <p>I've known too many people who have gone from job to job to job, always leaving because <a href="http://www.wisebread.com/i-hate-my-job" title="&quot;I Hate My Job&quot; Guide">they were unhappy</a>, but always finding themselves at a new job that also made them unhappy, simply because they didn't take the time to get clear in their head what it was about their job that made them unhappy and then check whether the new place would be better.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/philip-brewer">Philip Brewer</a> of <a href="http://www.wisebread.com/avoiding-grass-is-always-greener-syndrome">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-11"> <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-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</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/job-hunting-what-is-your-dutch-wife">Job hunting: What is your dutch wife?</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-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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-signs-youre-working-for-an-impossible-boss">7 Signs You&#039;re Working for an Impossible Boss</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/the-4-jobs-people-quit-the-most">The 4 Jobs People Quit the Most</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income careers changing jobs dysfunctional companies interviewing jobs Wed, 08 Aug 2007 10:31:03 +0000 Philip Brewer 969 at http://www.wisebread.com