career http://www.wisebread.com/taxonomy/term/306/all en-US 5 Ways to Ease Into a Day Job After Freelancing http://www.wisebread.com/5-ways-to-ease-into-a-day-job-after-freelancing <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-to-ease-into-a-day-job-after-freelancing" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_47841776_MEDIUM.jpg" alt="easing back into a dayjob after freelancing" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Freelancing gives you the freedom to set your own hours and work at your own pace. Some people consider this the ideal situation, and after making the switch <a href="http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer">from employee to freelancer</a>, they vow never to return to the workplace. Of course, anyone's professional situation &mdash; the amount of money coming in to keep you fed and sheltered &mdash; can change in the blink of an eye, and some of us have to get a &quot;real&quot; job again. Sound familiar? Then listen up! Whether you're looking for steady, predictable income, or you're making a switch because you need benefits like health care, these are the ways to ease back into a regular daytime gig with minimal stress.</p> <h2>1. Find a Job You're Passionate About</h2> <p>Freelancers enjoy a freedom unlike any other, and after years of working for yourself, it can be difficult to ease back into a routine of punching a time clock and having a boss breathing down your neck. Getting a regular day job might be a necessity and not a choice. But even if you can't change your overall circumstances, you can be choosy when it comes to accepting a position. The transition from freelancer to 9-to-5 employee will be harder if you hate what you do. On the other hand, if you find a job that excites and challenges you, it'll be easier to get up in the morning and leave your house.</p> <h2>2. Seek Opportunities That Offer Flexibility</h2> <p>Nowadays, it's not unusual to see employers advertising flexible positions. Some employers recognize the benefit of telecommuting, and they allow certain personnel to work from home or only come into the office a couple days a week. If you prefer the stability of a steady paycheck, but you want the ability to work independently, seek opportunities that provide the best of both worlds.</p> <p>If telecommuting isn't an option, it'll also be easier to ease back into a regular day job if you find a position that lets you work at times when you're most productive. Maybe you perform better when able to start your workday in the late morning or the afternoon. Although a 9-to-5 work schedule is common, it's not the only option, and you'll find that many companies offer their employees a variety of schedules.</p> <h2>3. Split Your Time Between a Regular Day Job and Freelancing</h2> <p>Another option is splitting your time between a regular day job and freelancing. A regular job can provide the income stability you need, but enjoying this stability might not require a full-time gig. Rather than jump head first into the full-time grind, work a few hours with an employer and freelance for the remainder of the day to supplement your income. For this approach to work, you'll need a few regular freelance clients who can provide a steady stream of work. Easing into a day job is easier when you're only working four hours a day.</p> <h2>4. Pace Yourself</h2> <p>Successful freelancers are hard workers and they wear many hats. They spend their days working on projects, hunting for new clients, invoicing, handling client issues, and some freelancers have multiple income streams to make ends meet. It's a busy, hectic life, and it's easy to develop a pattern of always being in work-mode and constantly hustling.</p> <p>Working at this pace can become a normal part of your daily routine &mdash; to the point where you forget how to work at a slower pace. As you ease back into a regular day job after years of freelancing, you may bring a few bad habits with you, such as working until you're numb, never taking a break, or thinking you have to accept every opportunity you're offered.</p> <p>While you'll want to be a team player and take the initiative on your new job, you have to remember that the company's success doesn't lie on your shoulders. Pace yourself or else you'll burn out.</p> <h2>5. Stick to a Regular Sleep Schedule</h2> <p>Some freelancers don't start their workdays in the morning. Instead, they begin working in the late morning, afternoon, and some don't work until the evening hours. If you're a night owl and used to sleeping in, the transition from freelancer to employee is especially challenging when you have to rise early and be at a desk by 8 a.m.</p> <p>This doesn't mean you have to hit the sheets by 8 p.m. after getting a regular day job, but you will need to get enough sleep to wake up on time and function during the day. Being in a constant mental fog because you didn't get enough sleep, and running late every morning only prolongs the adjustment period.</p> <p>Easing into a fixed, eight-hour schedule after years of a flexible, non-fixed schedule can leave you physically and mentally exhausted. Getting plenty of sleep and staying active makes a difference. Walk on your lunch break or pace your office for a couple minutes every hour. Activity can increase your energy and improve your mental and emotional health, which can be the mood booster you need to accept your changed circumstances.</p> <p><em>Have you recently made the transition from freelancer back to a more structured position? How has the transition been? Share with us in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/5-ways-to-ease-into-a-day-job-after-freelancing">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/day-job-or-freelance-which-is-right-for-you">Day Job or Freelance: Which Is Right 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/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/getting-by-without-a-job-part-1-losing-a-job">Getting by without a job, part 1--losing a job</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/meet-meg-favreau-our-senior-editor">Meet Meg Favreau, Our Senior Editor</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/lose-your-job-without-losing-your-identity">Lose Your Job Without Losing Your Identity</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Life Hacks 9-to-5 career day job etiquette freelancer freelancing full-time job job life hacks Thu, 21 Jul 2016 09:00:12 +0000 Mikey Rox 1756335 at http://www.wisebread.com How to Take One Vacation Day and Save Thousands http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-take-one-vacation-day-and-save-thousands" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_62926796_LARGE.jpg" alt="saving thousands from taking one vacation day" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We all have a list of financial tasks we keep meaning to get to, but between work, family, everyday obligations, and the need for sleep, we just keep putting them off. Whether it's rolling over an old employer 401K or finding cheaper car insurance, you can end up costing yourself hundreds, or even thousands of dollars by procrastinating.</p> <p>However, there is a solution: Use a vacation or personal day as an annual &quot;Money Day&quot; to catch up on all those finance to-dos you keep putting off. You'll have the time to stay on the line with customer service, fill out forms, and get organized &mdash; setting yourself up for a more secure financial future. Here are all the financial boxes you can check off on your annual Money Day.</p> <h2>Negotiate Bills</h2> <p>Phone bills, cable subscriptions, and car insurance can be expensive, eating up a huge part of your budget. However, rather than just gritting your teeth and bearing it, you can negotiate your bill and bring down your cost. Make a list of all of the services and subscriptions you currently pay for, and contact each one. For the introverts who get nervous negotiating over the phone, most companies have an online chat option that will work just as well.</p> <h3>Tell Them You Want to Cancel</h3> <p>Whether you are on the phone or chatting online, be as polite and kind as possible, but firmly let them know you want to cancel because the cost is just too high.</p> <h3>Be Prepared to Deal With the Retention Department</h3> <p>Customer service is likely to transfer you to their sales department or retention department, whose sole goal is to keep you on board. Again, be as friendly as possible, but explain that the monthly bill is more than you can afford. You do not have to give a long script or even say you are looking at other competitors; just noting you cannot afford the price will trigger the next steps.</p> <h3>Continue to Negotiate</h3> <p>They will likely offer you a temporary adjustment, like a promotional three-month offer. Be firm, saying something like, &quot;I'm sorry, I just can't afford this rate. I would need something more permanent.&quot; More than likely, they will come back with a more generous offer, saying they are authorized to give it to you that day. That language indicates it's the best they can do. Ask them to send you an email confirmation with the new agreement and then repeat the process with each service provider you have.</p> <h3>Research Alternatives</h3> <p>In some cases, companies just won't budge, particularly if you have only been a customer for a year or two. If that's the case, use some time during your money day to look up alternatives and get quotes. For instance, services like <a href="https://www.thezebra.com/">The Zebra</a> help you compare rates from multiple car insurers so you can get the most competitive price.</p> <h2>Find and Rollover Retirement Funds</h2> <p>Nearly three million people <a href="http://www.bls.gov/news.release/jolts.nr0.htm">quit their jobs each month</a>, with many of those individuals leaving old 401Ks behind, either intending to get to it later or thinking the amount is too small to matter. Then they end up forgetting about it, and the money disappears. Take the time to hunt down old plans and come up with a strategy for them:</p> <h3>Find Old 401Ks</h3> <p>You may have to call each of your former employers' human resources departments to determine where your old 401Ks are currently held. If that's not an option, you can also check with the <a href="https://www.unclaimedretirementbenefits.com/">National Registry of Unclaimed Retirement Benefit</a>.</p> <h3>Take Action</h3> <p>Once you've found your old accounts, you can keep them where they are, but keep their log-in information in a safe place. However, it might also make more financial sense to roll them into one place, like in a <a href="http://www.wisebread.com/401k-or-ira-you-need-both">traditional IRA</a>. Vanguard and Fidelity offer IRA options that are cheaper regarding fees you will pay in most 401Ks, so rolling the account over can save you money and prevent any penalties.</p> <h2>Search for Unclaimed Money</h2> <p>There are millions of dollars in unclaimed money sitting around. Whether it's an old savings account, an insurance credit or, other windfall, state laws require that unclaimed funds be turned over to the state for safekeeping until the owner claims them. Most people don't even realize that hundreds of dollars belong to them, and it goes unclaimed for years.</p> <p>To find lost money, visit <a href="http://www.unclaimed.org">Unclaimed.org</a>. Check each state that you have lived in and enter your full name and any other names you may have gone by in the past. The site will list any money that belongs to you. You can file a claim, following the process outlined on the site, to get the money returned to you.</p> <h2>Automate Savings</h2> <p>If you have been putting off building up your emergency fund or retirement savings, your money day is a very good time to get them started. Set up automatic contributions for the start of each month to go into your savings and retirement accounts, so you do not even miss the money from your paycheck.</p> <p>Setting aside an annual vacation day to manage your finances can be an excellent way to stay on top of essential money tasks, trim your budget, maximize your dollars, and find you hundreds of dollars that may have gone missing. By dedicating a day to money management, you can end up savings thousands of dollars in just 24 hours.</p> <p><em>What else should be done on your annual Money Day? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/how-to-take-one-vacation-day-and-save-thousands">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-brilliant-tips-from-smart-mom-rich-mom">4 Brilliant Tips From &quot;Smart Mom, Rich Mom&quot;</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-budget-friendly-beach-destinations">6 Budget-Friendly Beach Destinations</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-save-money-at-the-post-office">How to Save Money at the Post Office</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-personal-finance-skills-everyone-should-master">12 Personal Finance Skills Everyone Should Master</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-money-lessons-to-take-from-the-great-depression">9 Money Lessons to Take From the Great Depression</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Frugal Living Travel budgeting career frugal living personal finance saving money travel vacation day Tue, 19 Jul 2016 09:00:10 +0000 Kat Tretina 1754845 at http://www.wisebread.com Escape Your Dying Industry With One of These 8 Careers, Instead http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/escape-your-dying-industry-with-one-of-these-8-careers-instead" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_photographer_96052725.jpg" alt="Woman in dying industry finding modern job" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>No one wants to admit that they're in a dying industry, but it's a hard fact that many of us will have to face at some point in our lives. Once upon a time, there were expert buggy-whip makers, and bowling alley pinsetters. Technology made those jobs extinct. Now, other jobs are in jeopardy, and if you are in a career that is being made obsolete, it's time to start weighing your options. Here are eight modern jobs that you should consider if your job will soon be taken over by robots.</p> <h2>1. Florists: Try Xeriscaping</h2> <p>The humble florist storefront is quickly disappearing, with those costly bouquets being replaced by cheap bunches of flowers from grocery stores and warehouse clubs. Plus, there are online retailers offering much cheaper deals on ready-made designs. If you're a florist, you're in a dying industry. But, you have great design skills that could be taken to another career. Some florists have found that transferring their skills to landscaping, specifically xeriscaping, is a transition that is fairly easy to make. Xeriscaping demands greater knowledge of plants and flowers, but the growing demand for gardens needing less water makes this an ideal industry to get into. Classes for xeriscaping are becoming easier to find in every city. And, it's in a very similar field, with beautiful end results.</p> <h2>2. Travel Agents: Try Travel Blogging</h2> <p>Let's face it, travel agents have been a dying breed for some time. But with the advent of websites like Orbitz, Expedia, Trivago, and Priceline, the need for an experienced travel agent has decreased dramatically. Why bother with the middleman, when you can go directly to the source and save time and money? However, travel agents have a wealth of experience in the travel industry, and that can be put to good use in travel writing and blogging. Contact the big players like National Geographic and the Travel Channel. Google &quot;travel journalism&quot; and you'll be hit with a plethora of sites filled with articles and guides written by experts. It can pay well to be a travel writer, and you also get to explore the world while you do it. (See also: <a href="http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer?ref=seealso">Can You Really Make a Living as an Ebook Writer?</a>)</p> <h2>3. Sewing Machinists: Try Selling on Etsy</h2> <p>Sewing machinists in the U.S., and other parts of the developed world, are quickly being replaced by people in China, Taiwan, Korea, and India. The profit margins for the manufacturers are just impossible to turn down, and that means U.S. sewing machinists are finding work much harder to come by. Even when they do, it doesn't pay well. So, if you are a skilled sewing machinist, branch out and create your own fashions on Etsy. You'll find it very easy to set up a store. You can find all the patterns you need on eBay and Amazon, and material is affordable when buying in bulk. Then sell your wares (customization can really help to increase sales, too) and keep all of the profit for yourself.</p> <h2>4. Telemarketers: Try Sales</h2> <p>Getting a call from a telemarketer as you're about to sit down for an evening meal is about as fun as having root canal work. The Do Not Call list certainly put a stop to a lot of that, and with so much selling being done online now, the need for real people making cold calls is dying out. Telemarketers often follow a script, but the successful ones have charm and know how to persuade. It is not a big leap to go from telemarketing to general sales, specifically in insurance, automotive, or real estate. The &quot;gift of the gab&quot; you have used can be transitioned easily into a sales role, and for the foreseeable future, there will continue to be a need for skilled professionals who know how to close a sale.</p> <h2>5. Tailors: Try Hairdressing</h2> <p>Although the need for a great tailor will never completely vanish, the current state of the fashion industry is not helping the tailoring business. Custom suits and outfits are expensive, and the rise of affordable fashion that can be purchased online is killing the bespoke market. Plus, many dry cleaners now offer simple alterations and other services once provided by tailors, at a fraction of the price. As a tailor, your skills could be used to create bespoke outfits that could be sold in your own eBay or Etsy store, or you can bite the bullet and try a new career. Hairdressing and barbering is growing in demand, and requires many crossover skills. Yes, you would have to retrain, but your eye for detail will work in your favor.</p> <h2>6. Photo Processors: Try Photography</h2> <p>Just as video killed the radio star, digital killed the photo processor. About 30 years ago, it was a thriving job. The rise of quality, affordable film cameras meant we were taking more pictures than ever, and that required the skills of a photo processor. Now, digital photography is everywhere, and with automated online photo ordering, photo processors are disappearing. If you have photo-processing skills, it may be time to go back into the world of photography and take pictures yourself. Professional photographers are in demand, and if you want to start with stock photo houses, you can get plenty of practice whilst earning a decent wage. Then there are weddings, engagements, births, and so many other occasions.</p> <h2>7. Typing Clerks: Try Medical Transcription</h2> <p>Typing used to be quite a valuable skill. Writing letters, with the correct formatting, was an art form. This was especially true when it was done on a typewriter, which required great planning and execution. Now, everything is done with templates on a computer, and you don't need any skills or training to produce professional quality letters, resumes, and other documents. So, take those typing skills, especially your words-per-minute rate, and apply them to transcription. Doctors and physicians continue to take notes either by hand, or on a voice recorder, and these need to be put into digital records quickly. You can also look into legal transcription and subtitling.</p> <h2>8. Telephone Operators: Try Online Community Management</h2> <p>Few qualifications were needed to have the job of a telephone operator, and it was a good entry-level job. Many people stayed on to make full-time careers of it, but as you know if you've tried to make a call to a big company, speaking to an actual human is very difficult. Sophisticated phone systems and software have replaced the job a person used to do, and now you push buttons to eventually get to the person you want to speak to.</p> <p>If you are a telephone operator, consider switching to the online world of community management. A community manager is responsible for company communication online, and can include PR, social media, content creation, and customer outreach. The skills you learned to be patient and informative can be channeled into community management, and you will create a positive public perception of the company. Digital is only going to get stronger, so now is the perfect time to enter this growing career.</p> <p><em>What other modern careers should people in dying industries try? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead">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/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-best-jobs-for-work-life-balance">4 Best Jobs for Work Life Balance</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/8-common-job-hunt-tips-you-should-ignore">8 Common Job-Hunt Tips You Should Ignore</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-youre-being-a-terrible-employee">12 Ways You&#039;re Being a Terrible Employee</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting career dying industry job hunting job search modern career modern jobs Wed, 06 Jul 2016 10:00:05 +0000 Paul Michael 1745834 at http://www.wisebread.com 3 Reasons You Are More Than Your Job http://www.wisebread.com/3-reasons-you-are-more-than-your-job <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-reasons-you-are-more-than-your-job" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_time_out_73913133.jpg" alt="Woman learning reasons she is more than her job" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In a society where work means everything, retirement can sometimes lead to depression. Many Americans say they can't wait to retire, but the reality is that among men especially, <a href="http://www.thinkadvisor.com/2014/06/30/the-secret-sadness-of-retired-men">retirement can mean loss</a> &mdash; of identity, values, and more. When a retired person can't attach that identity to something else, he or she needs to find an outlet like gardening, traveling, or the like. Unfortunately, sometimes that feeling doesn't translate.</p> <p>That's why you should make sure that your identity isn't wrapped up in your work, no matter what stage you're at in your career. Don't let it define you, because when it's over, you'll feel lost, and like you don't belong anywhere. You see this played out a lot in sitcoms, when women let the men they're dating determine their identity. It's similar. You want to find your identity and then go after <a href="http://www.wisebread.com/my-2016-budget-challenge-does-taking-a-regular-day-job-mean-giving-up">what you're passionate about professionally</a>, not the other way around. It's hard when you're a fresh college graduate and you aren't sure what your future holds.</p> <p>But there is hope. Here are a few reasons that you should not let your job determine your identity. Just let it be a small part of what fulfills you.</p> <h2>You Have Other Interests</h2> <p>While you should always take pride in your work, you shouldn't let it determine how you feel about your life. The most important parts of your life are the things you love. Whether it be your friends or family or traveling or food, find a passion in something rewarding, but not necessarily financially feasible. You have to find something else that gets you out of bed every morning. And if what you're most passionate about does get you out of bed every morning, make sure you have a balanced life after work.</p> <h2>It Can Always Come to an End</h2> <p>You will never realize that your life is your job until you lose it. When you lose your friends, your after-work activities, and your lunchtime connections, it becomes harder to regain your composure and self-worth. Make time to have hobbies outside of work &mdash; volunteer, play sports, find a church, synagogue, or mosque &mdash; whatever might connect you with others. That way if something does happen, you have a support system to fall back on.</p> <h2>You Have to Put Yourself First</h2> <p>When the company you work for gets mixed up in something or is blamed for something and it hits the press, people think of you. And sometimes if you go to bat for the company, you are entangled in whatever is happening. This has happened to me before, especially when I worked with people who were litigious. Make sure you don't let how people feel about the place you work translate to how they feel about you. Business is just that, and you need to protect yourself, above all else.</p> <p>All of this is hard to stomach because, as Americans, we spend most of our lives thinking about what we want to be when we grow up, what we would rather be doing when we finally do grow up, and how we wish we had done one thing or another after we retire. Live life now, while you still can. Travel, read, and experience new adventures. Don't let your 9-to-5 take over your life, just let it fund your life.</p> <p><em>How do you determine your identity?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/jennifer-holder">Jennifer Holder</a> of <a href="http://www.wisebread.com/3-reasons-you-are-more-than-your-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-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-frugal-ways-to-reduce-workplace-stress">10 Frugal Ways to Reduce Workplace Stress</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/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-3 views-row-odd"> <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-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/find-work-worth-doing">Find work worth doing</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-youre-being-a-terrible-employee">12 Ways You&#039;re Being a Terrible Employee</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income anxiety career depression job hunting job stress jobs sadness stress stress relief work Mon, 27 Jun 2016 10:00:08 +0000 Jennifer Holder 1738700 at http://www.wisebread.com 5 Careers That Offer Student Loan Forgiveness http://www.wisebread.com/5-careers-that-offer-student-loan-forgiveness <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-careers-that-offer-student-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/iStock_69856403_XLARGE.jpg" alt="looking for a job with student loan forgiveness" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>If you are like millions of other graduates, you might've experienced sticker shock when you received your first student loan bill after graduation. While taking out a student loan to complete your degree seemed like a good plan at the time, you might be having some regrets when faced with the monthly payments.</p> <p>Thankfully, there are a lot of careers that offer student loan forgiveness. Look into one of these fields to kiss your student debt goodbye.</p> <h2>1. Public Service</h2> <p>Federal Perkins loans can be forgiven if an individual qualifies through full-time employment and has not consolidated their loans. The loan forgiveness is not based on what job you do, but who you work for.<a href="https://studentaid.ed.gov/sa/repay-loans/forgiveness-cancellation/public-service"> Qualifying employers</a> include:</p> <ul> <li>Government organizations at any level (federal, state, local, or tribal);</li> <li>Not-for-profit organizations that are tax-exempt under Section 501(c)(3) of the Internal Revenue Code;</li> <li>Full-time positions at AmeriCorps and Peace Corps.</li> </ul> <h2>2. Doctor</h2> <p>It is hard to feel like a successful doctor when the majority of your paycheck goes to your student loan repayment. Thankfully, you can find a list of scholarships and Federal loan forgiveness programs through the&nbsp;<a href="https://services.aamc.org/fed_loan_pub/index.cfm?fuseaction=public.welcome&amp;CFID=1&amp;CFTOKEN=D3ADCE60-B544-6679-82EB218E8D3F6455">Associations of American Medical Colleges</a>.</p> <p>Many of the loan forgiveness programs for doctors require employment in a Health Profession Shortage Areas (HPSA) or a Medically Underserved Area.</p> <p>The&nbsp;<a href="https://www.lrp.nih.gov/">National Institutes of Health (NIH)</a> offers up to $35,000 per year in loan repayment for highly qualified health professionals going into biomedical or biobehavioral research careers.</p> <p>You can also take your stethoscope overseas and qualify for loan forgiveness through the military service. The&nbsp;<a href="http://www.navy.com/careers/healthcare/medicine.html#ft-education-opportunities">Navy Financial Assistance Program</a> offers tuition coverage for current medical students, as well as student loan forgiveness or grants for those with their medical degree.</p> <p>See:&nbsp;<a href="http://www.wisebread.com/8-tax-tricks-to-try-if-youre-stuck-with-student-loans?ref=seealso">8 Tax Tricks to Try if You're Stuck With Student Loans</a></p> <h2>3. Teacher</h2> <p>Teaching is a calling, and many people feel the call to instruct the next generation. So it's only fair that the government helps lighten the debt load of those devoted to teach. Teachers can gain loan forgiveness through the same public service loan forgiveness programs mentioned above.</p> <p>Teachers also can qualify for the Federal Teacher Cancellation for Perkins Loans. For teachers with a Perkins loan, 15% of your loan can be canceled when you teach for one year in a low-income area. If you teach for five years, your full loan will be forgiven.</p> <p>Be sure to check with your state to see what special teacher loan repayment programs there are. Here are just a few:</p> <ul> <li><strong>California:</strong> <a href="http://www.csac.ca.gov/doc.asp?id=111">APLE</a></li> <li><strong>Maine:</strong> <a href="http://www.famemaine.com/files/Pages/education/borrowers/Maine_Loan_Programs.aspx">Educators for Maine</a></li> <li><strong>Iowa:</strong> <a href="http://www.iowacollegeaid.gov/content/iowa-teacher-loan-forgiveness-program">Teach Iowa Scholar Program</a></li> <li><strong>New York:</strong> <a href="http://www.teachnycprograms.net/">Teach NYC </a></li> <li><strong>Texas:</strong> <a href="http://www.hhloans.com/index.cfm?objectid=a85b6795-9731-b000-c93ca1848b604db8">Teach for Texas</a></li> <li><strong>Mississippi:</strong> <a href="http://riseupms.com/state-aid/mtlr/">Mississippi Teacher Loan Repayment Program</a></li> </ul> <h2>4. Lawyer</h2> <p>Tempted by earning big figures down the road, many potential lawyers take on huge amounts of debt to make their career dream come true. Luckily, there are a few student loan forgiveness programs available just for lawyers.</p> <ul> <li><strong>Attorney Student Loan Repayment Program</strong>: In order to retain lawyers in the field, current employees are able to apply for the assistance program. Only certain loans apply, and current employees must have at least $10,000 in federal loan debt to qualify. To see which loans qualify, visit&nbsp;<a href="https://www.justice.gov/oarm/frequently-asked-questions-0#c">Justice.gov</a> for more information.</li> <li><strong>John R. Justice Student Loan Repayment Program</strong>: For lawyers working in the public sector, the&nbsp;<a href="https://www.bja.gov/Funding/JRJStateAgencies.pdf">John R. Justice Student Loan Repayment Program</a> offers $10,000 to $60,000 in loan forgiveness to eligible lawyers working as public defenders.</li> <li><strong>Herbert S. Garten Loan Repayment Assistance Program</strong>: This program awards 70 attorneys up to $5,600 in award money each year for student loan debt. This award comes with more strings than the other two. Eligible candidates must be employed by one of the&nbsp;<a href="http://www.lsc.gov/grants-grantee-resources/our-grantees">program's grantees</a> and have at least $75,000 in outstanding loan debt.</li> </ul> <h2>5. Dentist</h2> <p>Future dentists, here is something to smile about. You can also qualify for loan forgiveness on either the national or state level.</p> <p>National programs include service with the military. The Army offers the&nbsp;<a href="http://www.goarmy.com/amedd/dental/corps_benefits.jsp">Active Duty Health Profession Loan Repayment Program</a> (ADHPLRP) and the Healthcare Professionals Loan Repayment Program (HPLR). The Airforce offers Air Force Active Duty Health Professions Repayment Program (ADHPLRP). All of these programs offer up to $40,000 to $50,000 in debt repayment per year. Research each individual program to know about maximum caps, eligibility criteria, and other benefits.</p> <p>And the&nbsp;<a href="http://www.ada.org/~/media/ADA/Education%20and%20Careers/Files/dental-student-loan-repayment-resource.pdf">American Dental Association</a> has a full list of state-level programs that offer loan forgiveness.</p> <h2>Finding and Qualifying for Student Loan Forgiveness Programs</h2> <p>It's important to note that many of these careers cannot grant student loan forgiveness if your loan does not qualify. This means that if your loan is in default or in a grace period, or you are still attending school, companies may not be able to make qualified loan payments. Also, most student loan forgiveness programs are for federal loans only, and private student loans will not be forgiven. Finally, inquire with your college or university's financial aid department for more available loan forgiveness programs.</p> <p><em>Are you planning on using loan forgiveness for your student loans? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-eneriz">Ashley Eneriz</a> of <a href="http://www.wisebread.com/5-careers-that-offer-student-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-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-youre-being-a-terrible-employee">12 Ways You&#039;re Being a Terrible Employee</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/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</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-reasons-you-are-more-than-your-job">3 Reasons You Are More Than Your Job</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-job-perks-that-can-lead-to-a-dream-career">6 Job Perks That Can Lead to a Dream Career</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-easy-ways-to-avoid-student-loan-debt">12 Easy Ways to Avoid Student Loan Debt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Debt Management career career path job hunting student loan student loan debt student loan forgiveness Thu, 23 Jun 2016 09:00:04 +0000 Ashley Eneriz 1736930 at http://www.wisebread.com 8 Career Mistakes New Grads Make http://www.wisebread.com/8-career-mistakes-new-grads-make <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-career-mistakes-new-grads-make" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/new_grad_unemployed_85374233.jpg" alt="Woman making career mistakes new grads make" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>After four long years of studying hard, budgeting every thin dime, and learning the finer points of a ramen-based cuisine, you've finally graduated. As you toss that mortar board in the air and begin the job hunt, be mindful of common pitfalls that can get your career off to a bad start. Here are eight career mistakes new grads make.</p> <h2>1. Keeping Social Media Accounts Public</h2> <p>It's called <em>social </em>media for a reason. No matter how run-of-the-mill our Facebook or Twitter posts may be, we always run the risk of offending someone for something. Assume every potential employer will attempt to review your online presence early in the hiring process. If you can't <a href="http://www.wisebread.com/5-ways-to-break-your-social-media-habit">break your social media habit</a> completely, set your status to &quot;private&quot; across all networks and control the conversation.</p> <h2>2. Not Having a Plan</h2> <p>Without a plan, your career can take on a life of its own &mdash; and not in a good way. Think of your career as an extension of your education and design a plan for short-term and long-term success. Where do you want to be in three years? What about in 10? What are your income and lifestyle goals? What will it take to reach them? Shape every job search around specific incremental moves that will help make your plan a reality and avoid taking any job &quot;just because.&quot;</p> <h2>3. Not Dressing the Part</h2> <p>In today's hyper-casual culture, most young people have never learned how to dress for business success. Invest in an interview wardrobe that reflects the sort of professional you want to become. Choose versatile pieces that are understated, classically styled, and fit flawlessly. Oh, and two more things: Rediscover the lost art of ironing and remember that club wear is not formal wear. (See also: <a href="http://www.wisebread.com/build-a-work-wardrobe-for-any-job-on-a-budget?ref=seealso">Build a Work Wardrobe for Any Job on a Budget</a>)</p> <h2>4. Submitting Standardized Resumes and Cover Letters</h2> <p>Hiring managers are impressed by applicants who do their research. Avoid the &quot;click-apply-submit&quot; job search method by taking a few minutes to learn about each company you're interested in and each role you're applying for. Then, customize your resume and cover letter to address the employer's specific needs.</p> <h2>5. Jumping on the First Job Offer</h2> <p>Getting your first job offer after college is exciting and flattering, but don't let that cloud your judgment. Before you accept that job, know why. How does it fit with your career plan? Is it something you'll excel at and enjoy? Is there an obvious path for advancement? Does it pay enough to cover your expenses?</p> <h2>6. Buying a New Car</h2> <p>It happens so often it's almost cliché: A new graduate receives her first real paycheck, gets a little cash drunk after four lean years of college, and rewards herself with a brand-new car. This isn't just a financial mistake; it's a career mistake, too. That new car you'll be paying off for the next five years depreciated 25% the minute you drove it off the lot. And now you can't risk even a temporary hiccup in income and wouldn't dare settle for a more fulfilling job that pays less.</p> <p>A better option is to stay lean and nimble the first few years in your career by avoiding all forms of consumer debt. Remember, you're not sure where your professional life will take you &mdash; be ready to seize new opportunities. (See also: <a href="http://www.wisebread.com/3-reasons-why-you-should-never-buy-a-new-car?ref=seealso">3 Reasons Why You Should Never Buy a New Car</a>)</p> <h2>7. Gunning for a Promotion</h2> <p>First jobs are exciting and some newly-minted employees can get overeager to prove themselves. But trying to move up the corporate ladder too early can alienate coworkers and suggest to management that you're dissatisfied. Pace yourself by fully investing in your current role, building a strong network with colleagues, and waiting for the right opportunity to come along.</p> <h2>8. Freaking Out and Going Back to School</h2> <p>Overwhelmed by responsibility and underwhelmed by the glacial pace of career advancement, many new graduates respond by going back to school to pursue an advanced degree. A few years later, they've amassed more debt, lost valuable career-building time, and still have no clear plan for success. Be strategic. If you're unhappy with your work life, explore ways to <a href="http://www.wisebread.com/how-to-make-a-major-career-switch-without-going-back-to-school">shift careers without further schooling</a>. And if you decide to return to college, make sure it's a proactive and not a reactive decision.</p> <p><em>What advice would you give new grads? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kentin-waits">Kentin Waits</a> of <a href="http://www.wisebread.com/8-career-mistakes-new-grads-make">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-youre-being-a-terrible-employee">12 Ways You&#039;re Being a Terrible Employee</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/book-review-the-adventures-of-johnny-bunko">Book review: The Adventures of Johnny Bunko</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-re-fired-20-signs-that-a-pink-slip-is-coming">You’re Fired! 20 Signs That a Pink Slip is Coming</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/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building career career advice career mistakes grads graduation life lessons new grads students Wed, 22 Jun 2016 09:00:04 +0000 Kentin Waits 1736431 at http://www.wisebread.com 12 Ways You're Being a Terrible Employee http://www.wisebread.com/12-ways-youre-being-a-terrible-employee <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-ways-youre-being-a-terrible-employee" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/10275265.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You may think that being a good employee is all about doing great work, and nothing more. Actually, that's quite far from the truth. A great employee builds great relationships at work, takes the initiative, and cares about the success of the company. If you are making four or more of the following blunders at work, you're quickly on your way to becoming a terrible employee. (See also: <a href="http://www.wisebread.com/12-reasons-you-deserve-to-get-fired?ref=seealso">12 Reasons You Deserve to Get Fired</a>)</p> <h2>1. You're All About the Gossip</h2> <p>Every workplace has gossip and rumors. Good employees will ignore it, brush it off, or just avoid talking about anything that is idle chatter. Bad employees, however, relish the opportunity to talk about anything from company problems and other coworkers, to rumors of layoffs, mergers, or people about to get fired.</p> <p>If you find yourself being drawn into watercooler gossip, you have several options. First, you can simply make an excuse and walk away. Or, you can deftly change the subject to something non-gossip related. Finally, you can always talk to HR about some of the malicious gossip flying around, and they should look into it.</p> <h2>2. You Are Never on Time</h2> <p>Late for work. Late for meetings. Late for everything. Some people consider lateness to be the height of bad manners, and they have a point. When you are late, you are saying, &quot;my time is more important than your time,&quot; or even &quot;I really don't care what you think, I'll turn up when I'm ready.&quot; Maybe you're just really bad with time management, or you have a rotten commute that makes it hard to get in on time. But if everyone else in the office can get in on time, you really have no excuse. Use your smartphone to give you alerts well before your workday begins, so you have plenty of time to get where you're going. Do what you can to be on time, because nothing says &quot;terrible employee&quot; like someone who isn't even around.</p> <h2>3. You Complain &mdash; A Lot</h2> <p>We all have gripes with our jobs. There is no perfect workplace, and there will always be things that could be better. Yes, it's fine to bring up issues when they need to be addressed. But there is a big difference between occasionally alerting your boss to an issue, and whining in every meeting and one-on-one. They say that the &quot;squeaking wheel gets the grease&quot; and to some extent, that's true. However, in a work environment, it is usually much easier to replace that squeaking wheel. If you have complaints, see what you can do by yourself to solve them. If the issue is with a coworker, talk it out with them first. If there is a problem with equipment, or scheduling, bring solutions to the table. Don't be &quot;that&quot; employee &mdash; the one everyone avoids talking to because they cannot stand the tirade of negativity coming their way.</p> <h2>4. You Won't Do Anything Beyond Your Job Description</h2> <p>No doubt you have heard something like this coming from a coworker; &quot;Look, I'm not paid to do that, so I'm not doing it.&quot; Or, &quot;That's not my job, why should I?&quot; It is not uncommon these days for job descriptions to be very fluid as technology advances, and cutbacks hit firms everywhere. Sometimes, what you're being asked to do may be well beyond your job description, but if you can do what is being asked of you, step up and do it. The chances are, everyone is being asked to hit a few curveballs, and deal with things outside of their usual scope of work. Do your part, chip in, and you'll be valued. If it gets ridiculous, though, then you have the right to say something. You should not be doing the jobs of two or three people, but at least show your commitment before raising concerns.</p> <h2>5. You Spend Too Much Time Slacking Off</h2> <p>The distractions are everywhere. Many of us work on computers every day, and the Internet is right there, beckoning us. A few minutes shopping on Amazon, read the latest headlines, then a quick check of Facebook, Twitter, Instagram, Pinterest, and SnapChat. Before you know it, you've spent an hour or more doing nothing productive. This is actually stealing. Your employer is paying you for that time, and you should be doing the work they pay you for.</p> <h2>6. You Take Credit for Work Others Have Done</h2> <p>Nothing kills morale in a workplace like someone else taking the glory for a project that isn't theirs. If you have ever done this, or do it often, you are being a terrible employee. Businesses operate on the idea that it's a team environment, with each person doing his or her part to make the whole company successful. By swooping in and taking credit for the hard work other people have done, you are creating an atmosphere of distrust and negativity. Coworkers will be less likely to share with you, communication will break down, and the whole department you work in can become soured and tough to work for. If you are given credit for a job by accident, step up immediately and tell the boss who actually did the work.</p> <h2>7. You Abuse Those Sick Days</h2> <p>Coming in to work sick is bad enough. You're not going to be at your best, and you run the risk of giving other people in the office your illness. But what's worse is doing it so you can call in sick when you're perfectly healthy to enjoy a day off. Sick days are there for a reason. The company is giving you paid time off to heal, or feel better. To abuse this so you can go to a ball game or spend a day by the pool is just not fair, to anyone. Next time you're sick, use a sick day. When you need a personal day, use one of your vacation days.</p> <h2>8. You Make a Lot of Mistakes</h2> <p>We're all human. We all make mistakes, and the occasional error here or there should never be cause for concern (unless those errors result in something catastrophic). However, if your work is always coming back to you for revisions, or your manager receives constant complaints of poor quality work, then you need to get your act together. Whether it's constant grammatical errors in an office environment, to shoddy work on a building site, mistakes made weekly, or even daily, should not be tolerated. Plus, it often falls on other employees to fix your errors, burdening them with extra work because you can't get it right. In this case, you must try harder to clean up your act.</p> <h2>9. You Play the Blame Game</h2> <p>Finger pointing is one aspect of office politics that never fails to cause problems. When something goes wrong, if you're one of the first people to start assigning blame to others, you're not being a team player. Yes, maybe it was Janice in accounting who messed up. But maybe you should talk to her first and see what happened. Maybe it was really you, but you know you can slime your way out of it by throwing blame in someone else's direction. Don't be a finger pointer. If you made a mistake, own it. If someone else did, let him or her fess up. You don't want to be seen as the one who rats at the first opportunity.</p> <h2>10. You Swear Like a Sailor</h2> <p>Admittedly, there are some workplaces that have no problem with this kind of language. Certainly most places involving manual labor are not going to care about f-bombs. But in a professional environment, swearing constantly is just not&hellip; well, professional. Imagine having a meeting with a lawyer about an important case, and being greeted with a tirade of colorful language more at home in a Guy Ritchie movie. Would you trust this lawyer? Does he or she seem like the best person for the job? Maybe you'll go with the lawyer who doesn't sound like Vinnie Jones. Swearing in meetings can also make people feel uncomfortable, to the point that they will speak to HR about it. This will reflect badly on your manager, and your department, and bad language can actually be viewed as harassment.</p> <h2>11. You Steal</h2> <p>What's a few paperclips, right? Or a ream of paper? And hey, why pay for toilet paper when you can grab a couple of rolls from the bathroom? It may not feel like you're doing anything wrong when you take a items worth pennies. However, multiply this by every employee in the building, and suddenly your company is losing thousands of dollars every year in &quot;liberated&quot; goods. If you need the items to work from home, that's fair enough. But if you're snagging paper from the copier to print out your tax returns, or taking coffee filters for your machine at home, you are stealing from your employer. It's not a gray area. It's theft.</p> <h2>12. You're Not Proactive</h2> <p>Imagine being a firefighter and walking into a burning building only to see a fellow firefighter standing there watching it burn. &quot;Why aren't you putting out this fire?!&quot; you yell. He or she responds with, &quot;You didn't ask me to.&quot; That may seem like a ridiculous scenario, and it would never happen because firefighters know better. But in other places, it happens all the time. Good employees will take the initiative. They will solve problems without being asked. They will initiate new projects that can benefit the company. Bad employees will wait for the order, and do nothing until it is given. Don't sit there waiting to be asked. What can you do to help? What can you do to create opportunities? Be the go-getter.</p> <p><em>Does this sound like you or any of your coworkers? </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-ways-youre-being-a-terrible-employee">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/fired-heres-how-to-keep-it-from-hurting-your-career">Fired? Here&#039;s How to Keep It From Hurting Your Career</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/8-career-mistakes-new-grads-make">8 Career Mistakes New Grads Make</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/you-re-fired-20-signs-that-a-pink-slip-is-coming">You’re Fired! 20 Signs That a Pink Slip is Coming</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/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</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-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building career career advice fired horrible boss job hunting job performance terrible employee unemployed work Mon, 13 Jun 2016 10:30:04 +0000 Paul Michael 1727885 at http://www.wisebread.com 4 Ways to Bounce Back From Job Rejection http://www.wisebread.com/4-ways-to-bounce-back-from-job-rejection <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/4-ways-to-bounce-back-from-job-rejection" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000061108306_Large.jpg" alt="bouncing back from job rejection" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>What's your go-to coping mechanism when faced with rejection? Openly sob in between giant bites of chocolate cake? Punch a pillow? Or maybe you bend the ear of every passerby about the sheer injustice of it all?</p> <p>We learn these methods when we're young, and while most of our toddler tactics dissipate with time, it's not unusual to hang onto these particular rejection responses for life.</p> <p>But there is a better way. Take it from the indefatigable Babe Ruth, who said, &quot;It's pretty hard to beat a person who never gives up.&quot; You can take rejection and bounce back stronger than ever. Here's how. (See also: <a href="http://www.wisebread.com/11-ways-to-get-over-rejection?ref=seealso">11 Ways to Get Over Rejection</a>)</p> <h2>Don't Wallow</h2> <p>Get a handle on the emotional stages you pass through when faced with rejection. The most common model of emotional stages &mdash; known as the <a href="http://www.change-management-coach.com/kubler-ross.html">change curve</a> &mdash; categorizes them as shock, anger, bargaining, depression, and acceptance. Although the model was initially designed to describe the stages of grief, they have been found to hold true with much more minor changes such as rejection.</p> <p>Between the shock and anger stages, you're going to want to let off a little steam. Have a bellow. Take it out on the gym equipment. Pour yourself a large glass of wine. Whatever does it for you.</p> <p>But moving on through the natural stages of adjustment is the key to a quick recovery. It can be easy to grind to a halt at the stages of bargaining and depression, and to find yourself wallowing in the defeat. If you start to feel yourself <a href="http://www.wisebread.com/do-this-one-thing-every-day-to-defeat-negativity">getting overwhelmed by negativity</a>, take stock. Pull yourself up. But should the feeling persist, and you feel trapped, don't be afraid to seek help from family, friends, and medical professionals if necessary.</p> <h2>Don't Take It Personally</h2> <p>Remember that rejection happens to all of us. From being stood up on a date, to missing out on a great job, to being <a href="http://www.wisebread.com/mortgage-application-declined-here-s-how-to-respond">declined for a mortgage</a>, we've all been rejected at least once. If you want to take it all to heart, and find the personal slight in every rejection, you're going to live a life full of resentment and sadness. But the thing is, it's not about you.</p> <p>Try to create a little distance between yourself and your negative thoughts. If a rejection feels personal, take a step back and put it into perspective. If you didn't get that promotion, maybe there was simply another candidate who fit the position better. Maybe you're lined up for a different opportunity you simply don't know of yet. Maybe the interviewer was just plain bad. Either way, it's not about you, so don't beat yourself up.</p> <h2>Reflect and Review</h2> <p>So now that you have a sense of perspective, acknowledge if there is anything you can or should learn from the experience. Be wary of falling back into the hole of self-doubt or blame. But if there's anything you can learn from this, then the experience has been worthwhile in its own way.</p> <p>Hindsight, of course, is 20/20, and this isn't an exercise in wishful thinking. Ask yourself if, with the knowledge you had at the time, you could have taken a different course. If you were turned down for a bank loan, for example, could you have presented your case differently, or understood the assessment criteria better? Could you have improved your credit file or chosen a different bank to suit your circumstances? You cannot change the outcome, but you can turn regret into a life lesson instead.</p> <h2>Move Forward With a New Challenge</h2> <p>To reach the acceptance stage of the change curve takes time, and requires you to shift your focus from what has happened to what will happen. In other words, you need to get back on the horse.</p> <p>Whether you can pick up the same challenge and try a different angle, or find a new goal to pursue, will depend on the circumstances. If you've been rejected from a particular job, for example, then reapplying to the same role is probably futile. But reminding yourself of what you were looking for more broadly, before restarting your search elsewhere is the perfect antidote to rejection.</p> <p>If you've had a financial setback, then it might be time to rethink and set some entirely new money goals. What's crucial is having a meaningful target to shoot for, to stop yourself from slipping back in your adjustment process, and dwelling for too long on a rejection that has long passed. And this is where you have the possibility to not only recover from rejection, but to bounce back stronger than ever. Set a truly impactful goal, and use the pendulum effect as you swing from pent up frustration into full-on goal oriented action.</p> <p>Rejection should be redirection, not defeat.</p> <p><em>What's your top tip for overcoming rejection and bouncing back stronger than ever? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/claire-millard">Claire Millard</a> of <a href="http://www.wisebread.com/4-ways-to-bounce-back-from-job-rejection">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-questions-to-ask-before-you-take-a-job-offer">12 Questions to Ask Before You Take a Job Offer</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-being-passive-kills-your-job-prospects">4 Ways Being Passive Kills Your Job Prospects</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-things-that-really-annoy-hiring-managers">9 Things That Really Annoy Hiring Managers</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-extreme-job-interview-tactics-that-worked">6 Extreme Job Interview Tactics That Worked</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Job Hunting career confidence drive first impression Job Interview job rejection job search rejection Mon, 16 May 2016 09:00:05 +0000 Claire Millard 1709581 at http://www.wisebread.com 6 Job Perks That Can Lead to a Dream Career http://www.wisebread.com/6-job-perks-that-can-lead-to-a-dream-career <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-job-perks-that-can-lead-to-a-dream-career" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000041367248_Large.jpg" alt="taking advantage of job perks that can lead to a dream career" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Work can be a necessary evil. Individuals might dream of being an award winning writer or inventor, but those dreams &mdash; without any pursuit to make them a reality &mdash; do not provide money for nourishment, shelter, and other financial obligations. Short of being independently wealthy or having a family you can lean on, the budding entrepreneur or artist might need to procure a day job as they pursue their professional goals.</p> <p>When applying for jobs, think beyond yearly salary and hourly wage. The right job perks can streamline how fast it might take to achieve your dreams.</p> <h2>1. Free Education</h2> <p>Higher education can be the key to professional success. For some, a degree is a necessity to break into a new field. For others, college can provide face-to-face mentorship time with award winning professionals in their field. Despite these benefits, the cost of college often leads students to either acquiring thousands in <a href="http://www.wisebread.com/12-easy-ways-to-avoid-student-loan-debt">student loan debt</a> or forgoing a college education altogether.</p> <p>There is another option. You can pursue a job at a company that has a <a href="https://collegeplus.org/blog/33-companies-that-can-save-you-from-college-debt">tuition reimbursement program</a>. Before choosing a potential company to pursue, look at the fine print.</p> <h2>2. Skill Building</h2> <p>Before you start applying for jobs, sit down to determine what skills will help you score your dream job. You can decrease the time it takes you to land that job if your day job will allow you to learn and practice new skills that will be necessary for your chosen path to success.</p> <p>If you don't have the credentials to start in a position that allows you to utilize those desired skills, make it clear to managers what types of opportunities you would be interested in pursuing. Many companies, in a bid to keep good employees happy, will offer professional opportunities to individuals as the need arises.</p> <h2>3. Making Valuable Contacts</h2> <p>One very crucial aspect of achieving success is knowing the right people. An ideal day job would place you in a position to build personal and professional relationships, both inside and outside of the organization.</p> <p>At work, be friendly with individuals from various departments. Don't just talk shop. You want to cultivate relationships, so you can (if necessary) call in a favor down the road. If you cut right to asking them to help you, it can seem a tad selfish.</p> <p>You should also keep an eye out for jobs where cultivating a social media presence is a requirement. A large personal LinkedIn or Twitter following can lead to a larger pool of people that will see posts about your future art, book, product, or company.</p> <h2>4. Telecommuting Allowed</h2> <p>Daily commutes can steal several hours from your life. On average, the daily commute is <a href="http://mbaonline.pepperdine.edu/evolution-of-the-daily-commute/">around 25 minutes</a>. Some spend even more time commuting. My average daily commute is around an hour. That's one less hour every day I can devote to pursuing my personal goals.</p> <p>Telecommuting jobs allow individuals to cut travel time out of their daily lives and dedicate that time to other professional pursuits. As an added bonus, the elimination of the commute will allow you to decrease the amount you spend on gas every month.</p> <h2>5. Flexible Schedule</h2> <p>Some jobs not only allow you to determine where you work, but they also allow you to dictate when you work. The ability to work when you want will allow you more freedom to work towards your ultimate goals.</p> <p>If you know you have a meeting with a potential investor or publisher on a Monday, you won't need to figure out how to convince your boss to give you a few hours off of work. Instead you simply let them know you'll work the hours later in the day on Monday or over the weekend. This can be useful if you don't particularly want the higher-ups at your company to know how close you might be to quitting your day job.</p> <h2>6. Condensed Work Week</h2> <p>The 9-to-5 is the traditional time frame in which corporate America works. While it can be far better than the rotating schedule dished out in many retail and food service jobs, individuals can be more productive if they try to find a job where they work four, 10-hour shifts.</p> <p>The benefit of working 10-hour shifts is the ability to dedicate three full days to your money making side projects. You no longer need to fight with yourself to muster up the motivation to dedicate a few hours to your side-hustle every night after work. That can be hard due to lingering work stress, physical exhaustion (depending on how much physical labor is involved), and the desire to spend time with family. You now have one work-free day to diligently work on completing your other projects.</p> <p><em>What other work perks can make you more money? Share with us! </em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/samantha-stauf">Samantha Stauf</a> of <a href="http://www.wisebread.com/6-job-perks-that-can-lead-to-a-dream-career">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/5-times-you-should-demand-a-raise">5 Times You Should Demand a Raise</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-ways-a-side-hustle-can-further-your-career">5 Ways a Side Hustle Can Further Your Career</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/12-ways-youre-being-a-terrible-employee">12 Ways You&#039;re Being a Terrible Employee</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/can-you-really-make-a-living-as-an-ebook-writer">Can You Really Make a Living as an Ebook Writer?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income career career path job perks perks professional goals side hustle work Mon, 09 May 2016 09:30:29 +0000 Samantha Stauf 1705098 at http://www.wisebread.com Does Personality Type Determine Your Income? http://www.wisebread.com/does-personality-type-determine-your-income <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/does-personality-type-determine-your-income" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_wearing_glasses_000043951776.jpg" alt="Woman&#039;s personality type determining her income" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Designed to decode and make sense of a person's perception of the world, the <a href="https://www.16personalities.com/personality-types">Myers-Briggs personality test</a> has been helping people tap into their psyche in order to boost career and relationship successes since the 1960s. Now you can also use Myers-Briggs to discover whether you're likely to earn more money or power in the workplace.</p> <p>A new analysis of nearly 26,000 people representing diverse Myers-Briggs personality outcomes offers a glimmer of insight into <a href="http://www.truity.com/sites/default/files/PersonalityType-CareerAchievementStudy.pdf">income and job satisfaction potential</a>, complete with tips for capitalizing on your top money-making traits. Read on to find out whether you're destined for great fortune, and if you're not, what you can do about it. (See also:&nbsp;<a href="http://www.wisebread.com/6-reasons-introverts-make-the-best-employees?ref=seealso" target="_blank">6 Reasons Introverts Make the Best Employees</a>)</p> <h2>Extroverts Rake It In</h2> <p>Here's how it works: Myers-Briggs asks us a series of questions, analyzes our behavioral tendencies based on our answers, and then assigns us one of 16 personality types. These personality types are based on four major psychological preferences. One of those preferences is Extroversion versus Introversion.</p> <p>Extroverts are those who prefer to focus their time and energy on what's going on in the world around them, while Introverts preoccupy themselves with their own inner world of ideas. When it comes to bringing home the bacon, it turns out that Extroverts have the bigger payday. In fact, of all the Myers-Briggs personality types, Extroverts are the top earners. The reason is this: Extroverts are generally more willing to take on managerial roles, and these roles often bring about a boost in income. Introverts, on the other hand, tend to be among the lowest earners, for reasons including a general aversion to managerial responsibility.</p> <h2>Thinkers and Judgers Earn More</h2> <p>Some of the highest earners are Thinkers &mdash; those who like to analyze the pros and cons of a situation before making a decision, rather than focusing on the people involved &mdash; and Judgers &mdash; those who prefer a structured lifestyle as opposed to one that's more flexible. Your fortune is likely to be even higher if your personality encompasses both these traits.</p> <p>Thinkers are more likely to take on a supervisory role in the workplace, which usually leads to higher incomes. Thinkers, however, tend to have lower job satisfaction in these supervisory roles, which means it's important for Thinkers to be aware that increased wealth doesn't equal increased happiness. Folks who are Judgers, on the other hand, are inclined to pay close attention to organization and scheduling at work &mdash; and that seems to lead them to greater success and, in turn, higher pay.</p> <h2>Sensors Trump Intuitives</h2> <p>One of the psychological preferences analyzed by Myers-Briggs is Sensing and Intuition. The breakdown is as follows: If you pay more attention to information gathered through your five senses, you fall under the Sensing category. You are Intuitive if you place a high value on impressions or the meaning of patterns in the information that comes your way.</p> <p>All of us are Sensing and Intuitive at one time or another, but most of us have an inclination toward one or the either. Here's the good news for Sensors: Your income tends to be higher than that of Intuitives. That's because Sensors are slightly more likely than Intuitives to manage larger teams. And as with the previous examples, managerial roles tend to pay better.</p> <h2>Fakers May Make the Most of All</h2> <p>Of course, anyone can develop a personal organization practice to stay on top of deadlines like a Judger or take on a job at the highest rung of the corporate ladder like an Extrovert. And that means anyone can boost his or her chances of attaining a higher payday by adopting favorable behaviors that don't come naturally. You can't alter your personality type, but you can certainly fake it to your benefit.</p> <p><em>What's your type? Does it match your earnings?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/does-personality-type-determine-your-income">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/invest-your-time-in-these-13-things-while-youre-in-your-20s">Invest Your Time in These 13 Things While You&#039;re 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/retirement-on-the-installment-plan">Retirement on the installment plan</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/living-a-life-of-weisure">Living a Life of Weisure?</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/financial-tricks-to-master-for-a-happier-life">Financial Tricks to Master for a Happier Life</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-ways-to-ease-into-a-day-job-after-freelancing">5 Ways to Ease Into a Day Job After Freelancing</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Lifestyle career earnings extroverts introverts myers-briggs personality type thinkers Wed, 04 May 2016 10:30:04 +0000 Brittany Lyte 1699779 at http://www.wisebread.com 8 Ways to Spring Clean Your Career http://www.wisebread.com/8-ways-to-spring-clean-your-career <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-spring-clean-your-career" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000081453541_Large.jpg" alt="spring cleaning her career" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It turns out, <a href="http://www.cleaninginstitute.org/spring_cleaning_survey_reveals_consumers_dirty_little_secrets/">72% of U.S. households</a> spring clean every year. The annual ritual of tidying up your home is a healthy habit that improves your way of life, increases your productivity, and provides you with a serious self-esteem boost.</p> <p>Just like you take care of your home each spring, take this time to spruce up your career to make the very best out of it. Here are the eight moves to spring clean your career.</p> <h2>1. Search Your Name on the Web</h2> <p>According to Google, its users do <a href="http://searchengineland.com/google-1-trillion-searches-per-year-212940">100 billion searches per month</a>, which adds up to about 1.2 trillion searches per year. What's even more surprising is that it has been estimated that <a href="http://www.slideshare.net/jennifermcclure/hiring-onboarding-done-right-nky-chambernkyshrm-7-24-2012/17-CAREERS_SITE_the_hub_30">30% of searches on Google</a> are job-related.</p> <p>What are those people searching for <em>your </em>name finding? Hopefully, it's important websites, publications, or projects that can help you land your next position, or land a promotion. Find out what is currently available under your name so that you can be prepared for questions about those search results, ask not to be mentioned in undesirable places, and build up your online presence. Besides Google, search your name on other search engines, including Yahoo and Bing.</p> <h2>2. Buy Your Name as a Domain</h2> <p>An effective way to establish a hub for your online presence is to purchase your own domain name. Take me as an example. If you look for &quot;Damian Davila&quot; you will find two main individuals: a talented drummer/photographer, and an experienced personal finance writer. While I enjoy the surf photographs of my doppelgänger, I want to make sure that people learn more about my writing when looking up my name. That is why I bought my own domain name, DamianDavila.com and plan to use it to showcase my writing portfolio.</p> <p>Owning your own domain name allows you stand out from the crowd, particularly when you have a very popular name. Keep in mind that it may take some time to be able to buy your domain name &mdash; in my case it took two long years until it became available!</p> <h2>3. Clean Up Your Social Media Accounts</h2> <p>Speaking of search results and websites, you'll notice that social media accounts rank heavily on all search engines. For example, when looking up my name on Google, three out of the nine results from the first page are links to social media accounts.</p> <p>While you may think that your private business is for your eyes only, be aware that <a href="http://thehiringsite.careerbuilder.com/2015/05/14/employers-checking-candidates-social-media/">35% of employers</a> who screen via social networks have requested to become a friend or follow candidates who have private accounts. Depending on the details on the position that you're applying for, your potential employer may have a valid concern for your online activity. Don't let an <a href="http://www.wisebread.com/10-things-to-stop-doing-on-social-media-by-30">inappropriate comment or photo</a> become an obstacle in your path to career success.</p> <h2>4. Invest in a Professional Headshot</h2> <p>While most recruiters recommend that you don't include a photograph when submitting your resume, most social media sites, company directories, and PR organizations do request a headshot. Take the time &mdash; and the expense &mdash; to get a professional headshot. You can hire a professional photographer, ask a favor from your photog friend or relative (do return the favor when they ask!), or request one from the HR department of your company.</p> <p>Be prepared for those times when your boss wants to make an announcement of your promotion in the local newspaper, you want to show yourself in your own domain name, or you submit an article for a website as a guest blogger.</p> <h2>5. Edit Your LinkedIn Profile</h2> <p>Also, <a href="http://money.usnews.com/money/careers/articles/2015/02/19/what-recruiters-think-when-they-see-your-linkedin-profile">94% of recruiters use LinkedIn</a> to source and vet candidates, making this professional network a great opportunity to showcase your work skills and career history. What do recruiters find on Linkedin when looking up your name? If your name doesn't show up, you could be making the life of that recruiter a bit more difficult. Beef up your LinkedIn profile by:</p> <ul> <li>Growing your professional network with peers in your company and industry, alumni from your alma mater, or individuals sharing your interests in LinkedIn groups;</li> <li>Including links to any publications, presentations, or projects that are available online;</li> <li>Request recommendations from current or past clients, supervisors, peers, or teachers, and;</li> <li>Demonstrating your analytical and writing skills through articles that you have written.</li> </ul> <p>See also: <a href="http://www.wisebread.com/30-minutes-to-a-linkedin-profile-that-gets-you-hired?ref=seealso">30 Minutes to a LinkedIn Profile That Gets You Hired</a></p> <h2>6. Touch Up Your Paper Resume</h2> <p>Despite the popularity of online resumes, some employers and recruiters still stick to paper resumes. Tailor your application to the details laid out on the job post. Insisting on emailing a URL to your domain name or LinkedIn profile instead of mailing out a printout of your resume via regular mail when the recruiter clearly indicated so, is the fastest way to get your application ignored completely. Here are some tips:</p> <ul> <li>Be prepared for requests of paper resumes by formatting yours so it prints nicely on a standard sheet of 8 x 11 paper.</li> <li>Test out the printout before sending a file via email.</li> <li>Keep both Word and PDF versions of your resume because some employers prefer one format over the other.</li> <li>Maintain a text-only version of your resume for those times that you have to copy and paste your resume into an HR online portal.</li> </ul> <h2>7. Work on Your Elevator Pitch</h2> <p>Comedian George Burns said it best, &quot;The secret of a good sermon is to have a good beginning and a good ending; and to have the two as close together as possible.&quot; Brevity in writing and speech is very powerful and makes you look centered and well-prepared. Take a cue of from startup entrepreneurs and develop your own elevator pitch, which is a succinct and persuasive sales pitch that will lead into a deeper dialogue about what you can offer. Test your elevator pitch with people that you trust so they can offer you feedback. And fine tune your elevator pitch until you can deliver it effectively over the phone, in person, or via email.</p> <h2>8. Learn a New Skill That Employers Want</h2> <p>Many organizations have well defined salary payscales with specific requirements, so take the time to investigate what those requirements are. Unless they involve longevity in the company, you can work in attaining them in a shorter amount of time.</p> <p>Some examples are completing a teaching certification, finishing modules towards a professional license, accumulating hours in a list of job-related assignments, or attending a series of industry-required seminars. By completing those skills, you're effectively not only improving your chances of a promotion or salary bump, but also making yourself more desirable to other potential employers.</p> <p><em>What are other ways to spring clean your career?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/8-ways-to-spring-clean-your-career">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/10-money-moves-to-make-after-a-promotion">10 Money Moves to Make After 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/5-times-you-should-demand-a-raise">5 Times You Should Demand a Raise</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/12-ways-youre-being-a-terrible-employee">12 Ways You&#039;re Being a Terrible Employee</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-career-mistakes-new-grads-make">8 Career Mistakes New Grads Make</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building career career aspirations career goals growth potential job growth spring clean spring cleaning Mon, 25 Apr 2016 09:00:05 +0000 Damian Davila 1695996 at http://www.wisebread.com 6 Great Side Jobs for Book Lovers http://www.wisebread.com/6-great-side-jobs-for-book-lovers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-great-side-jobs-for-book-lovers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000053753692_Large.jpg" alt="looking for a perfect job for a book lover" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Bookworms and knowledge seekers, rejoice! You can make money off your insatiable thirst for a good story. No matter your day job, there are lots of ways to earn a little extra side cash by capitalizing on the very things you like to do in your free time &mdash; namely, reading. Here are several side gigs that are made for cash-strapped book lovers. (See also: <a href="http://www.wisebread.com/17-cool-jobs-for-book-lovers?ref=seealso">17 Cool Jobs for Book Lovers</a>)</p> <h2>1. Blogger</h2> <p>Bloggers are a dime a dozen these days. But talented bloggers are actually quite valuable. If you have the foresight and the skill to make sense of life's little intricacies, or the daily happenings in the news &mdash; and if you can write about it with gusto, ease, and good grammar &mdash; there's a special place for you in the bookmarks bar of countless people perusing the Internet.</p> <p>Further, if you have something smart and interesting to say, and you're not going to just regurgitate what's already been said, then you can make it. And these very qualities will help you attract a following. That's the hardest part of cracking into the blogosphere business. But once you've cultivated a following with your stellar content, there are several ways to go about <a href="http://www.wisebread.com/5-easy-ways-to-make-extra-money-blogging">making a few extra cents</a>. From ads and affiliate links, to product reviews and targeted social media promotion, you'll be on your way to supplementing your income in no time.</p> <h2>2. Museum Tour Guide</h2> <p>A part-time tour guide gig at your local museum might just be the perfect way to earn an extra chunk of cash while bridging the gap between modern life and the world in your favorite history books.</p> <h2>3. Bookstore Clerk</h2> <p>A <a href="http://www.wisebread.com/11-great-apps-for-book-lovers">sincere love of literature</a> will land you an interview, at the very least, for a job at your local bookstore. If you're up for the challenge of helping customers find a literary adventure that suits their specific interests, and if you think you'd actually enjoy it, then the part-time bookstore clerk gig is made for you. Bonus: A coveted discount on books and other merchandise is a staple perk of the job.</p> <h2>4. Copy Editor</h2> <p>Grammar enthusiasts and punctuation snobs make for astute copy editors. And they're among the first to truly appreciate how important this job of proofreading for spelling, grammar, and content truly is. If you've any doubts, pick up a copy of any local newspaper that has done away with the position due to budgetary restraints. Quite often, copy editor-less content is painfully comical due to spelling and grammar mistakes. Newsletters, newspapers, books, and internal business communications are just a few examples of the kind of copy that needs editing. Look for advertised gigs or advertise your services directly to the folks who run these sort of operations.</p> <h2>5. Writer</h2> <p>To the esteemed reader, writing might feel like a 360-degree role reversal. But if every great writer is a dedicated reader, the saying probably rings just as true for readers who dabble in writing, right? News stories, book reviews, advertising copy, guest blog posts, corporate newsletter content, poetry, short stories &mdash; the options for the for-profit freelance writer are endless.</p> <h2>6. Translator</h2> <p>If you are fluent in a language, especially one that's somewhat obscure, you can earn extra income online by seeking out translator jobs. Translatorgigs.com, Fivver, and Freelancer.com are great places to begin your search for gigs.</p> <p><em>What other jobs would be perfect for bookworms? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/6-great-side-jobs-for-book-lovers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/6-great-retirement-jobs">6 Great Retirement Jobs</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/can-you-really-make-a-living-as-an-ebook-writer">Can You Really Make a Living as an Ebook Writer?</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-great-side-jobs">30 Great Side Jobs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-reasons-you-are-more-than-your-job">3 Reasons You Are More Than Your Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Entertainment Extra Income book lovers bookworm career job hunting jobs part-time jobs side jobs Mon, 04 Apr 2016 09:30:30 +0000 Brittany Lyte 1683389 at http://www.wisebread.com 6 Career Moves You'll Never Regret http://www.wisebread.com/6-career-moves-youll-never-regret <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-career-moves-youll-never-regret" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_000056893798_Large.jpg" alt="making career moves she&#039;ll never regret" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You are in control of your career, and the decisions you make can either help you or hold you back. That's why it's important to make moves that set you in the right direction to increase your chances of career satisfaction.</p> <p>Getting to the top takes confidence, hard work, determination, and you might even have to make a few sacrifices. Sometimes, the path to success isn't as straight as we'd like, and most people have at least one regrettable career decision under their belt. (You're not alone.) But even if you've made some mistakes, there are at least a few moves you'll never regret.</p> <h2>1. Take the Focus Off the Money</h2> <p>We all need to make a living. The more we earn, the better quality of life we enjoy. This by no means suggests staying in a career just because you're pulling in the big bucks. (See also: <a href="http://www.wisebread.com/10-depressing-jobs-that-arent-worth-the-money?ref=seealso">10 Depressing Jobs That Aren't Worth the Money</a>)</p> <p>Understandably, you have to be reasonable and seek a position that lets you care for your financial responsibilities. But when you make a career decision based solely on the potential size of your paycheck, you could end up in a job you hate, and sacrifice more than you bargained for.</p> <p>A company doesn't pay a generous salary without getting something in return. You have to count the cost and decide whether a promotion or a job offer is worth the money. I can't tell you the number of people I know who have voluntarily stepped down from positions because the money wasn't worth the hassle. Burnout is a real possibility when you give up time with your family and friends and work around the clock. Some people might say you're crazy for giving up a lucrative position, but you shouldn't put a career over your sanity.</p> <h2>2. Step Outside Your Comfort Zone</h2> <p>Don't be afraid to say yes. This doesn't mean you should take every opportunity that comes your way. You have to know your limitations so that you don't overwhelm yourself. But at the same time, you should step outside your comfort zone and take on new responsibilities. It can be frightening and intimidating, and you might fear failure.</p> <p>However, saying yes is an opportunity to build self-confidence and you might surprise yourself. Fear keeps us stuck. Branching out and challenging yourself helps you realize your true potential and can open the door to better opportunities.</p> <h2>3. Follow Your Instincts</h2> <p>If the climate at work isn't great and you're questioning the security of your job due to recent <a href="http://www.wisebread.com/11-financial-moves-to-make-the-moment-you-get-fired">layoffs and cutbacks</a>, one of the worst things you can do is sit back, ignore the situation, and think you're somehow immune. You may feel a sense of loyalty to your employer, but loyalty doesn't pay your bills. The situation around your workplace might improve, or it might not. Listen to your gut and follow your instincts. If you have compelling reasons to believe the company won't bounce back, or if you think you're on the chopping block, there's no harm in plotting your next move and beating your employer to the punch.</p> <h2>4. Never Burn Bridges</h2> <p>It doesn't matter if you hate your job and you're beyond ready to move on, never burn bridges or slack off as you prepare to move into a position with a new company. You don't know what the future will hold. You may get to your next job and quickly realize the grass isn't greener on the other side. Make sure you give your current employer 110% until the very end. If you leave on a good note, the door may be open for you to return.</p> <h2>5. Keep Your Skills Up-to-Date</h2> <p>As far as your career goes, you may be your sharpest the first few years after graduation. Realize, however, that your skills can quickly become stale as your industry evolves and changes. Allowing your skills to become dated is career suicide. New grads are entering the workforce every year with the freshest knowledge and <a href="http://www.wisebread.com/learn-something-new-with-these-9-cheap-apps">the latest information</a> about the industry. If you can't keep up, you could lose your job to someone with less experience.</p> <p>Staying up-to-date can mean taking a class or workshop on your own dime, or finding time to learn new software programs and technology. This is how you do your job well and stay ahead of changes in your industry. Not only can this move open doors, it helps you keep your job in a tough economy. You become a more valuable employee.</p> <h2>6. Pursue Your Dream Career</h2> <p>It takes courage to pursue your dream &mdash; especially if you're leaving behind a cushy position and moving into a completely new field. Some people stay in careers they hate because they spent money getting a degree in this area. But after working in a particular field for years, you may discover that your passion is elsewhere.</p> <p>Moving up the ladder in a career that doesn't excite you can lead to a comfortable life &mdash; but you may later regret this decision. Carving your own way and taking a different path, however, is one move you'll never regret. If you can start your own business or find a job doing what you love &mdash; and you're still able to pay your bills &mdash; going to work won't feel like a job. You can join the ranks of a select few who actually love getting up in the morning and starting their day.</p> <p><em>Have you recently change careers? Would you say these tips are helpful in hindsight? Share with us in the comments below.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/6-career-moves-youll-never-regret">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/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/are-you-in-the-wrong-career-heres-how-to-tell">Are You in the Wrong Career? Here&#039;s How to Tell</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-solid-online-resources-to-help-you-find-a-job">6 Solid Online Resources to Help You Find a Job</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/your-guide-to-getting-a-job-right-out-of-college">Your Guide to Getting a Job Right Out of College</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building career career moves job search job tips life decisions no regrets wisdom Wed, 16 Mar 2016 11:00:12 +0000 Mikey Rox 1673865 at http://www.wisebread.com Flashback Friday: The 65 Best Career Tips We've Ever Shared http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-the-65-best-career-tips-weve-ever-shared" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_glasses_work_000075592811.jpg" alt="Woman learning best career tips ever shared" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Your first job will probably not be your dream job. In fact, you might not land your ideal professional role until your fourth, fifth, or sixth job. Crafting a fulfilling career takes time, and hopefully your peers and mentors are sharing their wisdom with you along the way.</p> <p>But just in case that wisdom is hard to come by, and you need some additional assistance in your path to success, we've got some brilliant job search tips right here.</p> <p>Here are the 65 best career tips we've ever shared.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/000050916338.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a> &mdash; Answering any question during a job interview can be stressful experience. There's so much pressure to nail every answer that's it's easy to flub a response. Well, not anymore. This will help you nail all interview questions, and hopefully, get the job.</p> <p><a href="http://www.wisebread.com/6-extreme-job-interview-tactics-that-worked">6 Extreme Job Interview Tactics That Worked</a> &mdash; Sometimes the path to the stop requires standing out in a crowd. These unique interview tactics may seem extreme, but amazingly, they worked!</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000071991467_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/7-career-tips-you-wish-you-could-give-your-younger-self">7 Career Tips You Wish You Could Give Your Younger Self</a> &mdash; Hindsight is always 20/20, right? Well, what would you tell your younger self about how to be professionally fulfilled? There might be some handy advice in there for you now, too.</p> <p><a href="http://www.wisebread.com/6-ways-to-transition-to-a-new-career-after-30">6 Ways to Transition to a New Career After 30</a> &mdash; Starting over in a new field is not easy, especially once you're past your 20s &mdash; when life is generally more flexible and suited to career changes. These tips will help you transition at any age.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/guy_fired_000052937386.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/fired-heres-how-to-keep-it-from-hurting-your-career">Fired? Here's How to Keep It From Hurting Your Career</a> &mdash; It happens to the best of us. Don't worry, losing your job doesn't mean your entire professional world has imploded. Pick yourself up, dust yourself off, and read this.</p> <p><a href="http://www.wisebread.com/10-things-you-should-never-do-during-a-job-interview">10 Things You Should Never Do During a Job Interview</a> &mdash; There are certain topics that should not be discussed and certain things you should never ever do during an interview. Know the rules before you go.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000068043419_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/11-signs-the-job-is-too-good-to-be-true">11 Signs the Job Is Too Good to Be True</a> &mdash; Don't fall for the job scam. There are plenty of jobs out there that are too good to be true, and here are all the telltale signs.</p> <p><a href="http://www.wisebread.com/the-best-times-of-year-to-start-a-job-search">The Best Times of Year to Start a Job Search</a> &mdash; Certain seasons are just better for job hunting. If you've got a job now, but would like to make a change in the near future, try to search when the time is right.</p> <p><em>What other career tips have you learned along the way? Share your wisdom with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/chrissa-hardy">Chrissa Hardy</a> of <a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/flashback-friday-68-best-ways-to-make-money-that-are-actually-fun">Flashback Friday: 68 Best Ways to Make Money That Are Actually Fun</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-guerrilla-job-hunting-work-for-you">Make Guerrilla Job Hunting Work for You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-ways-to-job-hunt-without-getting-caught">9 Ways to Job Hunt Without Getting Caught</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting career fbf flashback friday Job Interview job search jobs resume Fri, 11 Mar 2016 11:00:15 +0000 Chrissa Hardy 1670661 at http://www.wisebread.com 10 Money Moves to Make After a Promotion http://www.wisebread.com/10-money-moves-to-make-after-a-promotion <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-money-moves-to-make-after-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_000066992053_Large.jpg" alt="she needs to make these money moves after getting a promotion" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Congratulations on your promotion! You've just made another step toward a successful future.</p> <p>Still, this isn't the time to become complacent. A promotion comes along with new challenges and tasks. To help you make the very best out of your new job, here are the 10 money moves to make after a promotion.</p> <h2>1. Revisit Your Tax Withholding</h2> <p>Most promotions don't come with just a title upgrade, they come with a well-deserved raise. If that's your case, calculate whether or not you need to adjust your W-4 form and submit it to your HR department.</p> <p>Let's assume that you file a joint return with your spouse and your combined taxable income was $90,000. Your tax due would be $18,293.75 ($5,156.25 + 25% of the amount over $37,450). After your promotion, your new combined taxable income is now $100,000. Your new tax bill is $21,071.25 ($18,481.25 + 28% of the amount over $90,750). Assuming no offsets to your salary bump and no changes to your W-4, you would be $2,777.50 short of your tax bill! (See also: <a href="http://www.wisebread.com/top-three-tax-facts-to-know-for-2016?ref=seealso">Top Three Tax Facts to Know for 2016</a>)</p> <p>Use the <a href="https://www.irs.gov/Individuals/IRS-Withholding-Calculator">IRS Withholding Calculator</a> and determine if you need to update your W-4.</p> <h2>2. Calculate Vesting of Company Shares</h2> <p>Vested company shares are another way that your employer could reward you. Very often, these restricted stock units vest over time, meaning that you gain ownership of those shares the longer you stay. The idea is that your employer wants you to perform well and remain with the company. Contact your HR department to find out the vesting schedule of your company shares so that you know how much you would actually take with you if you were to part ways with your employer.</p> <h2>3. Time Profit Sharing and Bonus Checks</h2> <p>When your promotion includes a large bonus or profit sharing check, pay attention to the date that the payment will be issued on. An elective deferral contribution to your retirement accounts must be deposited by the tax filing due date (April 19, 2016 for Maine and Massachusetts residents and April 18, 2016 for everybody else). For 2015 and 2016, the contribution limit to 401K, 403B, and most 457 plans is $18,000, and to regular and Roth IRA plans it's $5,500. If you're age 50 or over, you can make an additional $6,000 in catch-up contributions. When you haven't met the applicable contribution limit, take advantage of that windfall to fatten up your retirement accounts.</p> <h2>4. Identify Additional Costs</h2> <p>With great power comes great responsibility, Peter Parker! Take stock of the responsibilities of your new position and determine how much additional time you may need to perform those tasks successfully. Having to stay a bit longer at work may increase several costs, including paying higher fees for babysitters or preschools, and dining out more often than before the promotion. Your first weeks in your new position will provide you an idea of how much your budget will need to adjust.</p> <h2>5. Determine New Tax Deductions</h2> <p>The good news is that some of those new-job-related costs may also be tax deductible.</p> <ul> <li>Keep track of mileage that you have to drive to off-site locations for job-related activities. You can deduct <a href="https://www.irs.gov/uac/Newsroom/2016-Standard-Mileage-Rates-for-Business-Medical-and-Moving-Announced">54 cents per mile</a> for business miles driven in 2016, down from 57.5 cents in 2015. Also, you may use that mileage to allocate a portion of your car expenses, such as insurance and maintenance.<br /> &nbsp;</li> <li>Being able to telecommute from home allows you to designate a portion of your home as a business office. Use the percentage from your total home space used used for business purposes to allocate allowable deductions using <a href="http://www.irs.gov/pub/irs-pdf/f8829.pdf">Form 8829</a>.<br /> &nbsp;</li> <li>Having to dine and wine prospective clients may also be tax deductible.</li> </ul> <p>Consult your accountant for more details on allowable deductions.</p> <h2>6. Prevent Burnout</h2> <p>Several human resources experts claim that the <a href="http://fortune.com/2011/04/01/just-got-promoted-how-not-to-blow-it/">first 100 days on the job</a> are critical, particularly after a promotion. To thrive in your new role &mdash; and to maximize your number of fully vested shares if applicable &mdash; take steps to mitigate additional stress related to your new job. Whether it's hitting the gym more often, signing up for a new class, or having &quot;pizza day&quot; with the kids once a week, you may have new costs to cope with stress. Make sure to include them in your new monthly budget.</p> <h2>7. Request a Credit Limit Increase</h2> <p>Now that you have a higher annual income, you may be eligible for a higher limit on your credit cards. If you've have been current in all of your payments for the last year, have an account in good standing, and haven't requested a limit increase in several months, contact the issuers of your credit cards to submit your request. Most financial institutions allow you to do this over an online portal, but some may request to contact them via phone.</p> <p>With a higher credit limit, you can effectively improve your credit utilization ratio, which accounts for 30% of your FICO credit score.</p> <h2>8. Ask for Education and Licensing Subsidies</h2> <p>Most promotions are the result of hard work, and some of them are the result of an important investment that requires a recurrent annual expense.</p> <p>For example, an architect needs to complete a series of hour requirements and exams to become licensed. Upon becoming licensed, an architect can choose to become a member of the American Institute of Architects (AIA), which has an initial cost of $442 per year and costs $600 each year thereafter to renew. Having the AIA in the title of a lead architect in a project bid makes a company more desirable to clients, so an architect could successfully argue that it's in the company's best interest to subsidize the annual cost of $600.</p> <p>Similar scenarios take place in other industries, including accounting, engineering, and finance.</p> <h2>9. Inquire About Additional Company Benefits</h2> <p>Your promotion could unlock new or improved perks, including:</p> <ul> <li>Health plans;</li> <li>Flexible spending accounts (FSA);</li> <li>Telecommuting devices (laptops, smartphones);</li> <li>Fund options in retirement accounts;</li> <li>Industry conferences; and</li> <li>Parking options.</li> </ul> <p>Find out what discretionary items are covered by your updated employment package.</p> <h2>10. Hire an Assistant</h2> <p>One <a href="http://www.wisebread.com/11-time-saving-hacks-from-the-worlds-busiest-people">time saving hack</a> from the world's busiest people is to outsource non-critical tasks, such as researching travel options, transcribing audio, and scheduling meetings, to an assistant. If your new job doesn't include a personal assistant, then hire a virtual one for about $10 per hour through Upwork, Fancy Hands, or Zirtual.</p> <p>You'll free up time to be able to focus on higher level priorities.</p> <p><em>What are some other things that people should do after a promotion? Share with us in the comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/10-money-moves-to-make-after-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-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/didnt-get-the-raise-ask-for-this-instead">Didn&#039;t Get the Raise? Ask for This, Instead</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</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/5-ways-a-side-hustle-can-further-your-career">5 Ways a Side Hustle Can Further Your Career</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-times-you-should-demand-a-raise">5 Times You Should Demand 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/8-ways-to-spring-clean-your-career">8 Ways to Spring Clean Your Career</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income career growth potential job job promotion more money raise Thu, 03 Mar 2016 10:00:11 +0000 Damian Davila 1666773 at http://www.wisebread.com