career http://www.wisebread.com/taxonomy/term/306/all en-US How to Build Financial Stability After Divorce http://www.wisebread.com/how-to-build-financial-stability-after-divorce <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-build-financial-stability-after-divorce" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/paper_family_near_a_broken_heart.jpg" alt="Paper family near a broken heart" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Financial instability is a reality for nearly three-quarters of this country's 25 million divorcees. A study by TD Ameritrade surveyed 2,000 participants to examine how they're coping financially after a divorce or death of a spouse. As it turns out, people facing the end of a marriage are struggling &mdash; 75 percent of divorced Americans feel less than secure financially, and half are worried about running out of money in retirement.</p> <p>The average cost of a contested divorce &mdash; which can range from $15,000 to $30,000 &mdash; also throws many divorcees' finances out of whack. And it doesn't end there. Additional costs such as separate household expenses, counseling for children, and taxes or fees to sell marital assets can quickly add to the financial burden. (See also: <a href="http://www.wisebread.com/how-to-protect-yourself-financially-during-a-divorce-or-separation?ref=seealso" target="_blank">How to Protect Yourself Financially During a Divorce or Separation</a>)</p> <p>Healing after a divorce is no small feat, but digging yourself out financially is possible. You just need a strategic plan.</p> <h2>Assess your assets</h2> <p>There is no doubt that your standard of living will change after a divorce. It's important to realistically acknowledge what you can handle financially. It may be necessary to sell a family home and downsize to maintain a workable budget. While challenging, especially if there is an emotional attachment to the home, life after divorce presents a new reality that must be addressed head-on. (See also: <a href="http://www.wisebread.com/5-money-moves-to-make-the-moment-you-decide-to-get-divorced?ref=seealso" target="_blank">5 Money Moves to Make the Moment You Decide to Get Divorced</a>)</p> <h2>Seek professional advice</h2> <p>This is an essential step for anyone facing an unexpected change in their financial situation. Objective, third-party advice can help you avoid making knee-jerk or emotional decisions that have long-term negative consequences. A financial professional who specializes in assisting divorcees can help you deal with typical questions and decisions that people in your situation face.</p> <h2>Adjust your budget</h2> <p>A divorce will likely decrease the overall income you've been accustomed to enjoying. Once you've established a plan for the essential items like housing, it will be time to take a closer look at the luxuries you enjoyed as a married person.</p> <p>This also relates to expenses for your children. Often, parents try to maintain the same standard of living for their kids to minimize the impact of a divorce. Moving to a less expensive house, downgrading a luxury car, or making cutbacks to family travel plans can help you recover financially.</p> <h2>Evaluate career options</h2> <p>Depending on your age and/or situation at the time of the divorce, you may have been out of work or planning on retiring soon. In this case, you may need to adjust your career aspirations. Re-entering the job market, investing in additional education or training, or postponing retirement are all reasonable considerations to ensure long-term financial stability after a divorce.</p> <h2>Automate your savings</h2> <p>There are many things to handle during a divorce, and saving money may feel like a bottom-tier priority. But that couldn't be further from the truth. You need savings now more than ever. The TD Ameritrade study found that almost half of divorced couples are not saving or investing anything. That compares to 32 percent of their married peers. If you have a lot on your plate, it's understandable; but give yourself one less thing to worry about by automating your savings. Having money automatically withdrawn from your paycheck and put into a savings account or emergency fund can give you peace of mind without having to think about it. (See also: <a href="http://www.wisebread.com/5-ways-to-automate-your-finances?ref=seealso" target="_blank">5 Ways to Automate Your Finances</a>)</p> <p>Divorce is tough. It's important to give yourself time to grieve your previous lifestyle and adjust to your new normal. Making these moves can be a smart step to help you springboard into the rest of your life without worrying about money.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/toni-husbands">Toni Husbands</a> of <a href="http://www.wisebread.com/how-to-build-financial-stability-after-divorce">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/3-reasons-taking-a-loan-for-your-wedding-is-a-bad-idea">3 Reasons Taking a Loan For Your Wedding Is a Bad Idea</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-times-you-need-to-update-your-will">6 Times You Need to Update Your Will</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-simple-ways-to-split-bills-with-your-spouse">3 Simple Ways to Split Bills With Your Spouse</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-protect-yourself-financially-during-a-divorce-or-separation">How to Protect Yourself Financially During a Divorce or Separation</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/dont-start-a-family-before-reaching-these-5-money-goals">Don&#039;t Start a Family Before Reaching These 5 Money Goals</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Lifestyle assets career divorce expenses financial stability marriage saving money spouse Tue, 20 Feb 2018 09:30:09 +0000 Toni Husbands 2104965 at http://www.wisebread.com 7 Things to Consider Before Paying for an MBA http://www.wisebread.com/7-things-to-consider-before-paying-for-an-mba <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-to-consider-before-paying-for-an-mba" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/young_woman_studying_in_classroom.jpg" alt="Young woman studying in classroom" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A Master's in Business Administration can add millions of dollars to your lifetime income. According to Financial Times, alumni from the highest-rated MBA programs earned an average $142,000 just three years after completing their degrees &mdash; more than double the salary of their pre-MBA careers.</p> <p>While the potential of earning a better income is surely enticing, there are several factors to consider before committing to a graduate business degree. MBA programs aren't cheap, after all. Let's break down key criteria to decide if an MBA is a worthwhile pursuit.</p> <h2>1. GMAT test</h2> <p>Just like you need an SAT score to be admitted to undergraduate college, you need a Graduate Management Admission Test (GMAT) score to pursue an MBA. According to the Graduate Management Admission Council, nearly nine out of 10 new enrollments at the top 50 U.S. full-time MBA programs were made using a GMAT score.</p> <p>Depending on your target business schools, you may have to achieve a minimum score on this test. Getting to that minimum score is going to cost you prep time and money. At the very least, you'll need to cover the $250 test fee, but you may also have to pay for test prep services or additional materials that can bring up your total GMAT costs to thousands of dollars. Taking a free diagnostic exam from <a href="https://www.mba.com/us/the-gmat-exam/prepare-for-the-gmat-exam/test-prep-materials/free-gmat-prep-software.aspx" target="_blank">MBA.com</a> can help you determine how close you are to the required minimum score (if any) and what you need to do to achieve that score.</p> <h2>2. Type of MBA</h2> <p>To better meet the needs of its students, most business schools offer part-time, full-time, and executive versions of a business graduate program. While the full-time program allows you to fully immerse yourself in the MBA experience, a part-time program enables you to keep your current job and minimize student loans. An executive MBA (or EMBA) requires applicants to have several years of work experience, which will vary depending on the school. EMBA students typically have to attend classes on weekends.</p> <p>However, some schools offer additional types of MBA programs. For example, the Shidler College of Business in Hawaii offers a Global MBA with a China focus in which you complete an eight-month study abroad period at a partner school in China.</p> <h2>3. Work experience</h2> <p>Business schools vary widely in the amount of work experience they require from applicants. Still, 89 percent of full-time MBA students have an average 4.3 years of work experience, according to U.S. News &amp; World Report. For part-time and executive degree students, average work experience is even longer at 6.4 and 13.3 years, respectively.</p> <p>This doesn't mean that pursuing an MBA fresh off completing your undergraduate degree isn't possible. It just means that you may be limiting your options by applying to a business school too early. Keep in mind that taking the GMAT fresh out of undergrad is often a good idea, while your study habits are still intact, because your score will be valid for the next five years. Adding some years of relevant professional experience to your resume will strengthen your MBA application.</p> <h2>4. Target industry and salary</h2> <p>Let's face it: You are considering an MBA so you can increase your earning potential. Just keep in mind that your target salary goes hand in hand with your target industry. While an MBA can give your salary a boost, the actual pay bump varies per industry.</p> <p>Using data from over 6,600 MBA alumni working in the U.S., MBA.com reports the average annual salary of a graduate in the technology industry and a graduate in the government/nonprofit industry at $135,000 and $95,000, respectively. The job level of the position also affects the salary of MBA alumni: In the finance/accounting sector, a graduate would earn an average $55,000 per year in an entry-level position and an average $165,000 in a senior-level position. Knowing your earning potential can provide you a better picture of the potential return on investment of an MBA.</p> <h2>5. Job placement rate</h2> <p>It's one thing to know your earning potential; it's another thing to actually land the job paying that target salary. Make sure to ask about the average period of unemployment after graduation for graduates of your target MBA programs, the job placement services available during and after the completion of your degree, and the list of companies actively recruiting interns and full-time hires from those schools. While no school can guarantee you 100 percent job placement after you complete your MBA, some schools do a better job than others at setting you up for success. Choose one that best suits the unique characteristics of your desired career path.</p> <h2>6. Alternatives</h2> <p>Some industries have different types of programs or certifications that are comparable &mdash; and sometimes more valuable &mdash; than an MBA. In the finance sector, a Chartered Financial Analyst (CFA) credential is a recognized investment management designation valued by many employers. Other examples of self-study certifications coveted by employers are the Financial Risk Manager (FRM), General Securities Representative Exam (GSRE), Certified Financial Planner (CFP), and Associate of the Society of Actuaries (ASA).</p> <p>A professional designation is an alternative pathway to unlock career growth potential that may be similar to an MBA. (See also: <a href="http://www.wisebread.com/7-certifications-that-add-big-to-your-salary?ref=seealso" target="_blank">7 Certifications That Add Big $$ to Your Salary</a>)</p> <h2>7. Existing student loans</h2> <p>It takes money to make money, but there's always a limit. A 2016 Poets&amp;Quants study showed that MBA graduates had six-figure student debt from at least 13 prominent business schools, up from only two schools in 2011. Even some public universities offering MBA programs have a high sticker price: Six of the 25 schools with the highest average loans were public.</p> <p>Assuming a $100,000 student loan balance on a standard 10-year repayment plan with a 6.8 percent interest rate, you would pay an estimated $1,151 every month. If you already have a student loan balance, you should consider waiting until you reduce that financial burden before taking on additional student debt. (See also: <a href="http://www.wisebread.com/these-17-companies-will-help-you-repay-your-student-loan?ref=seealso" target="_blank">These 17 Companies Will Help You Repay Your Student Loan</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F7-things-to-consider-before-paying-for-an-mba&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F7%2520Things%2520to%2520Consider%2520Before%2520Paying%2520for%2520an%2520MBA.jpg&amp;description=7%20Things%20to%20Consider%20Before%20Paying%20for%20an%20MBA"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/7%20Things%20to%20Consider%20Before%20Paying%20for%20an%20MBA.jpg" alt="7 Things to Consider Before Paying for an MBA" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/7-things-to-consider-before-paying-for-an-mba">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/what-really-happens-when-you-dont-pay-your-student-loans">What Really Happens When You Don&#039;t Pay Your Student Loans</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-apply-to-lots-of-colleges-without-going-broke">How to Apply to Lots of Colleges Without Going Broke</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-surprising-ways-to-pay-off-your-student-loans">8 Surprising Ways to Pay Off Your Student Loans</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-surprising-ways-to-get-more-college-financial-aid">12 Surprising Ways to Get More College Financial Aid</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/these-17-companies-will-help-you-repay-your-student-loan">These 17 Companies Will Help You Repay Your Student Loan</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training business school career continuing education executives master's of business administration MBA student loans Mon, 22 Jan 2018 09:30:05 +0000 Damian Davila 2086755 at http://www.wisebread.com 5 Money Conversations Couples Should Have Before Retirement http://www.wisebread.com/5-money-conversations-couples-should-have-before-retirement <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-money-conversations-couples-should-have-before-retirement" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/budgeting_works_better_when_we_do_it_together.jpg" alt="Budgeting works better when we do it together" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Retirement for you and your spouse is just a few years away. Maybe you're both eagerly awaiting the days when you no longer must commute to work, sit in long meetings, and turn in reports.</p> <p>But retirement does come with its own challenges, many of them financial. It's important for spouses to have the same expectations of what their retirement years will look like. And it's equally important for each spouse to understand where their income will be coming from and how much money there will be.</p> <p>Here are five key conversations that couples must have before retirement arrives.</p> <h2>1. What kind of retirement do you both want, and how expensive will it be?</h2> <p>There are many different ways to spend your retirement years. Maybe you want to travel the world. Maybe you'd prefer spending more time with your grandchildren. Your version of a dream retirement might consist of days on the golf course or fishing on the lake.</p> <p>But what if you have the travel bug, and your spouse would prefer to sit home and catch up on some reading? These are two radically different versions of retirement. And, when it comes to your retirement finances, one is far more expensive than the other.</p> <p>It's important for you to share your retirement expectations with your spouse before you actually leave the working world. If you both agree that plenty of travel is in your future, you'll need to work hard to make sure you'll have enough retirement dollars to fund these trips. If only one of you wants to spend time traveling or pursuing a more expensive hobby, you'll have to craft a compromise.</p> <h2>2. Where will the money come from, and how much will you have?</h2> <p>As retirement nears, couples must work together on a new household budget tailored to their new life after work. You won't be able to rely on that steady work income after retirement, and Social Security payments probably won't cover all your daily living needs. This makes writing a household budget &mdash; and agreeing to stick to it &mdash; more important.</p> <p>Your new budget should list all of your sources of monthly income and all of your expected monthly expenses, including mortgage payments if you still have them, car payments, utility bills, groceries, and entertainment. Once you've listed your income and expenses, including how much of your retirement savings you'll need to dip into each month to cover these expenses, you'll have a clearer picture of how much you can spend each month after leaving the working world. (See also: <a href="http://www.wisebread.com/6-ways-you-can-cut-costs-right-before-you-retire-0?ref=seealso" target="_blank">6 Ways You Can Cut Costs Right Before You Retire</a>)</p> <h2>3. Where will you live?</h2> <p>Housing expenses can be a challenge after retirement. It's important for couples to discuss where they'll live after leaving the working life behind. Do you want to stay in your current home for as long as possible? The financial ramifications of this will vary depending on whether you've paid off your mortgage or not. It might make more sense to sell your home and move into a smaller condo or apartment. Or maybe you're ready to move into a senior housing facility.</p> <p>Don't put off conversations about housing. This is one of the most important issues couples face after retirement. (See also: <a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries?ref=seealso" target="_blank">Retire for Half the Cost in These 5 Countries</a>)</p> <h2>4. Will one of you take on a new job or career?</h2> <p>Retirement doesn't always mean that you or your spouse won't continue to work in some way. Some people take on part-time jobs to occupy their time and earn a bit of extra spending money. Others start the new careers that they've always desired. (See also: <a href="http://www.wisebread.com/6-great-retirement-jobs?ref=seealso" target="_blank">6 Great Retirement Jobs</a>)</p> <p>It's important for couples to discuss their plans for working after retirement. One spouse &mdash; or both &mdash; holding down a part-time job can make a significant difference in your income and budget after retirement, even if this income isn't essential to covering your daily living needs.</p> <h2>5. How will you handle unplanned expenses?</h2> <p>Unexpected expenses aren't unusual while you're working, with everything from burst water heaters to serious medical problems eating away at your savings. The same unexpected expenses can pop up when you're retired, too. When they do, how will you pay for them?</p> <p>Talk with your spouse about maintaining an emergency fund that can cover at least six months' worth of your daily living expenses after retirement. If you don't maintain this fund &mdash; which you should have had while you were working &mdash; one big unexpected expense could wreak havoc on your budget. (See also: <a href="http://www.wisebread.com/9-unexpected-expenses-for-retirees-and-how-to-manage-them?ref=seealso" target="_blank">9 Unexpected Expenses for Retirees &mdash; And How to Manage Them</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F5-money-conversations-couples-should-have-before-retirement&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F5%2520Money%2520Conversations%2520Couples%2520Should%2520Have%2520Before%2520Retirement.jpg&amp;description=5%20Money%20Conversations%20Couples%20Should%20Have%20Before%20Retirement"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/5%20Money%20Conversations%20Couples%20Should%20Have%20Before%20Retirement.jpg" alt="5 Money Conversations Couples Should Have Before Retirement" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/5-money-conversations-couples-should-have-before-retirement">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/4-ways-couples-are-shortchanging-their-retirement-savings">4 Ways Couples Are Shortchanging Their Retirement Savings</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/heres-how-you-should-budget-your-social-security-checks">Here&#039;s How You Should Budget Your Social Security Checks</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-things-you-need-to-do-if-youre-retiring-in-2018">6 Things You Need to Do if You&#039;re Retiring in 2018</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/why-retiring-with-debt-isnt-the-end-of-the-world">Why Retiring With Debt Isn&#039;t the End of the World</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-you-can-cut-costs-right-before-you-retire-0">6 Ways You Can Cut Costs Right Before You Retire</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Retirement career conversations couples emergency funds expenses housing income jobs marriage spouse Tue, 05 Sep 2017 09:00:06 +0000 Dan Rafter 2013258 at http://www.wisebread.com Don't Start a Family Before Reaching These 5 Money Goals http://www.wisebread.com/dont-start-a-family-before-reaching-these-5-money-goals <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/dont-start-a-family-before-reaching-these-5-money-goals" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/parents_carrying_son_on_shoulders_as_they_walk_in_park.jpg" alt="Parents Carrying Son On Shoulders As They Walk In Park" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Raising kids is expensive. The numbers bear this out: The U.S. Department of Agriculture reported that in 2015 a middle-income family spent an average $12,980 each year on each child. To raise a child from birth through age 17, it would cost married parents an average $233,610. And these figures don't include the cost of a college education.</p> <p>Because raising children &mdash; not to mention buying cars and homes to accommodate them &mdash; is an expensive task, it makes sense to set certain financial goals for yourself before you start a family. Being financially prepared for children can make raising them, and paying for this process, a far easier task.</p> <p>Here are a few money goals to set before you start having children.</p> <h2>1. An emergency fund with six months of daily living expenses</h2> <p>Children come with unexpected expenses; everything from $200 for an emergency room visit to a surprise $500 bill from the dentist. You can prepare for these expenses by creating an emergency fund.</p> <p>As its name suggests, an emergency fund is an account that you only tap to cover unanticipated necessities. With an emergency fund, you won't have to resort to paying for unexpected expenses with a high-interest credit card.</p> <p>Most financial experts recommend that you have at least six months' worth of daily living expenses saved in your emergency fund. That might seem like a daunting goal, but you can get there by steadily putting away even just $100 every month.</p> <h2>2. A credit score of 740 or higher</h2> <p>Your credit score is an important number. Lenders use it to determine if you qualify for mortgage, auto, personal, and student loans. They also rely on it to set your interest rate, with a high score usually equaling lower interest rates.</p> <p>Most lenders today consider a credit score of 740 or higher to be very good. Getting your score to this level, then, should be one of your goals before you start having children. Having a strong credit score means you'll pay less for a mortgage or car loan. That can reduce your living expenses significantly, something that can help ease the financial stresses that come with raising children. (See also: <a href="http://www.wisebread.com/5-ways-to-improve-your-credit-score-fast?ref=seealso" target="_blank">5 Ways to Improve Your Credit Score Fast</a>)</p> <h2>3. A work history</h2> <p>You'll need a steady income to pay for the expenses involved in raising children. The best way to get this income is to build a stable career in your field. Make sure you have several years logged in your field before you begin having children. While there are no guarantees that you'll never lose your job, the odds will be lower if you've already established yourself in your field. And if you do lose your job, you'll have an easier time finding new work.</p> <h2>4. Saving for retirement</h2> <p>Retirement might seem far off, especially when you're thinking of starting a family. But it's never too early to start saving for retirement. The earlier you start, the more dollars you have once you leave the workforce.</p> <p>Before you have children, start socking away money each month for retirement. The easiest way to do this is to sign up for the 401(k) plan that your employer offers. This way, your retirement funds will be deposited automatically with each paycheck.</p> <p>If you don't have access to a 401(k) fund, open a traditional or Roth IRA. Deposit as much as you can each year to get into the habit of saving for retirement. If you do this, it'll be easier to continue saving for retirement after your children are born. (See also: <a href="http://www.wisebread.com/are-you-ruining-your-retirement-by-spoiling-your-kids?ref=seealso" target="_blank">Are You Ruining Your Retirement by Spoiling Your Kids?</a>)</p> <h2>5. A plan for your children's college education</h2> <p>College might seem far away, too. After all, your children aren't even born yet. You're focused more on paying for preschool than on picking a college.</p> <p>But you should start planning for your children's college education before you even begin building your family. The average class of 2016 graduate took home $37,172 in student loan debt, a number 6 percent higher than the year before. That amount continues to rise each year. You don't want your children to be burdened with student loan debt as they become young adults.</p> <p>Consider opening a 529 college savings plan to help you start stowing away money for your soon-to-be-born children's secondary education. You might be surprised at how quickly college costs sneak up on you. (See also: <a href="http://www.wisebread.com/5-smart-places-to-stash-your-kids-college-savings?ref=seealso" target="_blank">5 Smart Places to Stash Your Kid's College Savings</a>)</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fdont-start-a-family-before-reaching-these-5-money-goals&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FDont%2520Start%2520a%2520Family%2520Before%2520Reaching%2520These%25205%2520Money%2520Goals.jpg&amp;description=Dont%20Start%20a%20Family%20Before%20Reaching%20These%205%20Money%20Goals"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/Dont%20Start%20a%20Family%20Before%20Reaching%20These%205%20Money%20Goals.jpg" alt="Don't Start a Family Before Reaching These 5 Money Goals" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dan-rafter">Dan Rafter</a> of <a href="http://www.wisebread.com/dont-start-a-family-before-reaching-these-5-money-goals">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/7-money-conversations-parents-should-have-with-their-adult-kids">7 Money Conversations Parents Should Have With Their Adult Kids</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-financial-decisions-youll-never-regret">8 Financial Decisions You&#039;ll Never Regret</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/money-a-mess-try-this-personal-finance-starter-kit">Money a Mess? Try This Personal Finance Starter Kit</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-signs-youre-making-all-the-right-money-moves">6 Signs You&#039;re Making All the Right Money Moves</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-brilliant-money-moves-you-should-make-on-january-1">5 Brilliant Money Moves You Should Make on January 1</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Personal Finance Family career college credit score emergency funds expenses goals kids money moves raising children retirement saving money Tue, 29 Aug 2017 08:00:06 +0000 Dan Rafter 2009180 at http://www.wisebread.com How to Leave a Positive Impression on Everyone You Meet http://www.wisebread.com/how-to-leave-a-positive-impression-on-everyone-you-meet <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-leave-a-positive-impression-on-everyone-you-meet" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-599254644.jpg" alt="Woman making positive impression on everyone she meets" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>With the hustle and bustle of life, making a lasting and positive first impression goes a long way. You never know what may come of meeting someone. It can lead to a job, a friendship, or even a romantic relationship. That's why you should always be mindful as to how you're presenting yourself to others and the world. Here's how to show off your best self.</p> <h2>Make eye contact</h2> <p>It feels good to be seen. Let everyone you meet know that you're paying attention and that you're interested in what they have to say. Physically acknowledge them through eye contact. Most people don't know how to make solid eye contact, and it's an incredible habit that will make you memorable to others. (See also: <a href="http://www.wisebread.com/13-ways-to-make-a-good-first-impression-at-your-next-job-interview?ref=seealso" target="_blank">13 Ways to Make a Good First Impression at Your Next Job Interview</a>)</p> <h2>Listen</h2> <p>Put your phone away and really listen to people when they speak to you. Be there 100 percent. And don't just wait for your turn to talk. Take in what someone else is saying, let it sink in, and respond. Listening is an underrated skill. It's such an effortless way to make someone else feel valued. I've often found that being a good listener has helped me learn and grow in ways I never imagined. And yes, people remember me because I so vividly remember our conversations.</p> <h2>Ask concise, insightful questions</h2> <p>I'm known for my curiosity and questioning nature. I find people fascinating, and I like to learn as much about them as I can. My ability to quickly assimilate information and make conversation that's far beyond cocktail party smalltalk has dramatically improved my life and career. I've made lifelong friends through chance meetings based on creating meaningful conversations with people I have just met, and you can, too.</p> <p>Don't ask the questions everyone asks. Don't be invasive, but make your questions interesting. And show you're paying attention to their answers by asking follow-up questions. (See also: <a href="http://www.wisebread.com/6-terrible-money-moves-to-avoid-on-the-first-date?ref=seealso" target="_blank">6 Terrible Money Moves to Avoid on the First Date</a>)</p> <h2>Be open</h2> <p>The more open you are about your life and experiences, the more comfort you will engender in others. That comfort leads to the kind of openness and honesty that our society needs now more than ever. By putting out positive energy and being open, goodness comes back to us many times over. Vow to make meeting you the best part of someone's day.</p> <h2>Be sure to follow up</h2> <p>Did you have a great conversation with someone? Did you meet someone interesting and you want to learn more about them? Did you promise to follow up with someone or did they ask you to follow up with them?</p> <p>If you answered yes to any of these questions, make sure to follow through. Send that email. Connect on social media. Make the phone call. If you promise to do something and do it, you show your integrity and genuine interest. People won't forget that.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-to-leave-a-positive-impression-on-everyone-you-meet&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%2520to%2520Leave%2520a%2520Positive%2520Impression%2520on%2520Everyone%2520You%2520Meet.jpg&amp;description=How%20to%20Leave%20a%20Positive%20Impression%20on%20Everyone%20You%20Meet"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <div align="center"> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20to%20Leave%20a%20Positive%20Impression%20on%20Everyone%20You%20Meet.jpg" alt="How to Leave a Positive Impression on Everyone You Meet" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/how-to-leave-a-positive-impression-on-everyone-you-meet">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/4-best-jobs-for-work-life-balance">4 Best Jobs for Work Life Balance</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-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-4 views-row-even"> <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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting Lifestyle career first impressions job hunting Tue, 01 Aug 2017 09:00:04 +0000 Christa Avampato 1994510 at http://www.wisebread.com How to Keep Your Job Search a Secret http://www.wisebread.com/how-to-keep-your-job-search-a-secret <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-keep-your-job-search-a-secret" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/interview_panel.jpg" alt="Interview panel" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Looking for a job can be tricky when you already have one. You want to take your career to the next level, but you don't want to risk the job you currently have &mdash; which can happen if your employer finds out you're trying to jump ship.</p> <p>Use these tips to keep your search a secret until you're ready to put in your two weeks' notice:</p> <h2>Keep your job search to yourself</h2> <p>There's no need to tell anyone else about your job search, least of all your coworkers. It doesn't matter how close you are, it's still none of their business. Loyalty is a fickle beast when positions are up for grabs, and if your coworkers see a chance to get a leg up, you may find yourself thrown under a proverbial bus. Rumors can spread like wildfire, and they'll eventually hit the boss. You could compromise your current employment if you don't have control of the narrative. Best to say nothing at all.</p> <h2>Stay away from company equipment</h2> <p>Using company equipment to conduct a job search seems like an obvious no-no, but you'd be surprised how many people don't recognize the risk until they get caught. Your activities may be monitored, and it'll be hard to explain yourself when IT has proof that you're wasting company time and resources to further your career elsewhere.</p> <p>Always use your personal computer and mobile devices to look for jobs and respond to emails, and only provide your personal phone numbers for calls. Don't use the office copier or fax for resume or other job-search materials, either; you could accidentally leave your resume on the machines, thereby ratting on yourself.</p> <h2>Continue giving 100 percent at your current job</h2> <p>Remember when you were a senior in high school? It was so hard to put forth the effort during that last week of class. It's common to adopt a similar attitude when you're planning to leave a job. You might tell yourself that you'll be gone soon anyway, so why bother trying to impress anyone? But this is a dangerous mentality. It's important to remain professional until the day your tenure ends at your current position.</p> <p>&quot;Don't ease off the gas just because you are thinking about leaving,&quot; says Ryan Naylor, CEO and founder of LocalWork.com. &quot;Maybe that new job won't come, or maybe you want a good referral later. If you do leave, you want to leave behind a continued path of goodwill, not burned bridges.&quot;</p> <h2>Don't announce your intentions on social media</h2> <p>Even though you think your social media accounts are &quot;private,&quot; remain cautious. People are nosy, and it's common practice these days for employers to check in on their employees' social media presence. If you don't say anything, you don't have to explain anything. This is especially true on LinkedIn; use the service to search for open positions and network with contacts, but don't outwardly declare that you're looking for a new job. It's almost guaranteed to get back to your employer.</p> <p>Nancy Schuman, chief marketing officer at recruitment firm Lloyd Staffing, adds, &quot;Make your activity stream on LinkedIn private and turn off broadcasts. Don't list your current employer by name on your resume. Instead, describe it as a 'large financial institution,' 'a well- known consumer products company,' etc.&quot;</p> <p>Same goes for Facebook, Twitter, and any other platforms you use. You may not be directly connected to your boss, but chances are you're connected to someone you work with, or someone who knows someone you work with. These services may help you make connections faster, but it's best to target individuals in your network directly who may be able to help you. It'll certainly be less dangerous than making a blanket post on Facebook about how you'd like a better job.</p> <h2>Don't send resumes to blind ads</h2> <p>When applying for positions, make sure you know to whom you're sending your resume and information. On platforms like Craigslist, often the job description is listed but the employer remains anonymous. This could spell trouble if you inadvertently respond to an ad your current employer is running.</p> <p>Certified career coach Cheryl Palmer relays a story of a job seeker who made that mistake.</p> <p>&quot;A woman once told me that her coworker responded to a blind ad and then was confronted a short while later by someone in the company from Human Resources,&quot; she says. &quot;The HR professional asked her if she was looking for another job. The woman lied and said no. The HR professional responded, 'I got your resume.' It turned out that the job that this woman had unwittingly applied for was at her own company.&quot;</p> <p>If you're posting to job boards, do that anonymously as well. You never know who's on there. If HR is searching for candidates for your office and they find you, you'll have some explaining to do.</p> <h2>Keep your interview attire in your car</h2> <p>Try not to take time off work to go on job interviews, if only to avoid raising a red flag on why your attendance is suddenly sporadic. If need be, schedule interviews during your lunch break or possibly after work. If there's no wiggle room, as a last resort, take one day off from your current job and try to schedule multiple interviews on that day.</p> <p>To expedite the interview process during work hours &mdash; like lunchtime, for instance &mdash; keep interview attire in your vehicle so you can change in and out of it at a discreet location. A suit and tie will be a dead giveaway if you normally wear jeans and a polo. You can only use the &quot;I have a funeral to attend after work&quot; excuse so many times before your coworkers start to think you're an agent of death.</p> <h2>Use references outside your current company</h2> <p>If you're trying to keep your job search a secret, why would you list your current employer as a reference? Surely you can find other people to vouch for you who don't have the power to fire you for making poor decisions.</p> <p>To avoid this predicament, Schuman suggests letting a prospective employer know that you will offer a current reference once you have a job offer. &quot;But do have other references lined up who know you and your work well for them to contact in the interim,&quot; she adds.</p> <h2>Ask for confidentiality at your interview</h2> <p>You may even go so far as to ask the person with whom you're interviewing not to reach out to your current employer. Just mention that you'd rather keep your current employer out of it; most hiring managers will understand.</p> <p>Schuman suggests, &quot;If you are working with a recruiter, tell them your confidentiality must be maintained; ask to be made aware of all prospective opportunities <em>before</em> your resume is referred.&quot;</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/how-to-keep-your-job-search-a-secret">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/jumpstart-your-job-search-with-instagram">Jumpstart Your Job Search With Instagram</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-should-never-include-in-your-cover-letter">7 Things You Should Never Include in Your Cover Letter</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/11-ways-college-grads-can-get-ahead-in-the-job-hunt">11 Ways College Grads Can Get Ahead in the Job Hunt</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-hired-by-your-dream-company">How to Get Hired by Your Dream Company</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-land-the-job-when-youre-overqualified">How to Land the Job When You&#039;re Overqualified</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting career confidentiality discreet interviewing new jobs privacy resumes social media work Thu, 01 Jun 2017 08:30:18 +0000 Mikey Rox 1957429 at http://www.wisebread.com 11 Ways College Grads Can Get Ahead in the Job Hunt http://www.wisebread.com/11-ways-college-grads-can-get-ahead-in-the-job-hunt <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-college-grads-can-get-ahead-in-the-job-hunt" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-476073295.jpg" alt="College grad learning how to get ahead on the job hunt" title="" class="imagecache imagecache-250w" width="250" height="141" /></a> </div> </div> </div> <p>It's a dog-eat-dog post-college world out there for new grads. It was when I graduated in 2003, and I hear the same grumblings today from next-gens looking for work.</p> <p>While I can't promise that any of my advice will get you hired, I can ensure that it'll at least help you get your professional endeavors off on the right foot. As such, consider these ways to get ahead in the job hunt.</p> <h2>1. Explore entrepreneurship while you're still in school</h2> <p>Entrepreneurship isn't for everyone, but I do recommend it to everyone. I started my first business while I was still in college, which eventually evolved into a successful media business. That has, in turn, provided me with the financial and recreational freedom to pursue other interests and revenue streams.</p> <p>More than that, though, trying to become your own boss at a young(ish) age, even if you don't quite know what you're doing yet, will never be considered a failure. At the very least, you'll gain skills than can help you in future prospects, learn how to interact with customers, and make connections networking with other professionals. This will give you a major edge over your contemporaries.</p> <h2>2. Volunteer to enhance work ethic and build references</h2> <p>Volunteering, especially right after college, looks great on a resume because it lets an employer know that you're committed to a cause. It's not just about listing the noble charities to which you've given your time, but rather how you turned these opportunities into in-the-field, ethic-building ventures. The experience will undoubtedly help you make contacts and build references who will sing your praises when called upon. Of course, seeing the world, meeting and helping people, and gaining a sense of purpose and self are pretty cool, too.</p> <h2>3. Pursue internships to gain industry experience</h2> <p>I held two internships at a time in college because I knew I wanted to work in media, specifically journalism. Unfortunately for me, I fell in love with a college that didn't offer a journalism major, and that meant I had to make up the difference &mdash; big time.</p> <p>One of my internships was writing news for an ABC-affiliated AM news-radio station, while the other was writing about music for a local magazine. Each of these internships provided me with vastly different skills, but they both prepared me for applying to my first paid writing positions. I went into those jobs better prepared, perhaps, than other candidates.</p> <p>Alexis Chateau, founder and managing partner of her own eponymous public relations firm, credits internship for her success. In addition to the internship, she suggests taking on spec assignments for free to show potential employers what you've got.</p> <p>&quot;College students should take on pro-bono work, to build their portfolio, if they work in an area that requires it,&quot; she says. &quot;An impressive portfolio can open up almost any door in business.&quot;</p> <p>I can personally vouch for this tactic. When I started my journalism career, I wrote many articles for free just to get published. When I had enough clips that showed that I was a capable and cognizant writer, editors responded in kind by hiring me for work.</p> <h2>4. Connect with prospective companies online</h2> <p>If there are particular companies at which you're interested in working, follow them online so you can get a better idea of what they're all about. When you go into an interview with something smart and relevant to say about the company, you won't go unnoticed by the interviewer.</p> <p>&quot;These days, smart companies are using their social media to have a dialogue with the public, and this dialogue is a great way for people to figure out a company's core values, their mission, and the language they use in order to connect with them, and present yourself as an ideal candidate,&quot; explains Carlota Zimmerman, a New York-based career coach and success strategist.</p> <p>Zimmerman suggests also liking the company's Facebook page, as someone through the grapevine may notice and reach out. It may not be that easy, but any potential connection is a valuable connection.</p> <h2>5. Clean up your social media</h2> <p>This is the digital age, when everyone and their mother has a social media presence. Chances are, if you're fresh out of college, you've got a few things floating around your Facebook or Instagram account that may not paint the prettiest picture of you to an employer. And believe me, your prospective employers will be looking.</p> <p>Before you even send out your resume, do a deep clean of all of your social media accounts. Scrub embarrassing posts, delete or untag yourself from unflattering photos, and double check your privacy settings. Then, view your profile publicly to see what information is still accessible. A tedious process? Yes, but so is unemployment. (See also: <a href="http://www.wisebread.com/7-easy-ways-to-clean-up-your-image-on-social-media?ref=seealso" target="_blank">7 Easy Ways to Clean Up Your Image on Social Media</a>)</p> <h2>6. Tap into your personal network for professional tips</h2> <p>Nearly every single adult you know is a professional with years of experience in their field. Some of them have had the same jobs forever, and some of them have changed careers frequently. No matter the case, these folks can be helpful not only in the advice they can provide, but they may also be able to point you in the right direction of employment.</p> <p>Kristine Thorndyke, who landed a full-time gig in Los Angeles before she graduated, offers advice on how to apply this principle within your own college community.</p> <p>&quot;Join a club or school committee based around a particular skill or interest you intend on pursuing in the future,&quot; she says. &quot;For example, if you are a business major, see if there are any groups or committees that meet up or, oftentimes, a designated business fraternity. These kinds of groups usually have access to professionals in the field you intend on pursuing and can help coordinate meet and greets with these professionals or alumni.&quot;</p> <h2>7. Take advantage of your school's career services resources</h2> <p>When I was looking for a job in Manhattan, I was willing to take all the help I could get. Enter Career Services at my alma mater. These centers provides free resources that not only help students write proper resumes, but also facilitate conversations between alumni and new grads based on field of interest, skill level, and more. My own Career Services connected me with the right people so I could start putting out feelers and getting a handle on what my options were.</p> <p>&quot;Reach out to alumni from your school and ask them out for a coffee to 'pick their brain,'&quot; Thorndyke suggests. &quot;Oftentimes, this alumni has connections or ties to companies that are hiring and will be impressed that you were driven enough to meet and learn more about the kind of work they do and their insight and/or suggestions for you.&quot;</p> <h2>8. Practice how to give a good interview from start to finish</h2> <p>Interviewing for a job is an art form. There are a million things that go into giving a great one, from how you dress to your follow-up thank-yous. As with everything else, of course, practice makes perfect &mdash; and you have ample time to hone your skills since, ya know, you're currently unemployed. (See also: <a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions?ref=seealso" target="_blank">How to Answer 23 of the Most Common Interview Questions</a>)</p> <p>Thorndyke advises, &quot;Interview with a professional career counselor. It's the best way to figure out how to most effectively convey your thoughts and accomplishments before the big interview. Oftentimes, it's difficult to get any honest feedback from HR or interviewers about notes on your qualifications or interviewing ability from a gig you were declined an offer from.&quot;</p> <p>An interview counselor can point out where you need to improve before the rejections become a trend.</p> <h2>9. Learn how to write a resume that will get you noticed</h2> <p>First, let's start with the number one thing you shouldn't do with your resume: Do not send the same one to every job prospect, regardless of industry or field. Your resume should be specifically tailored to the job you're seeking. If that means changing it 57 times a week to make sure it's relevant to each prospect, that's what you need to do. Secondly, it needs to stand out. There are lots of ways you can do that, but the highest on the list is providing details about past accomplishments opposed to generic lines like, &quot;Provided marketing assistance to the director of sales.&quot; (See also: <a href="http://www.wisebread.com/10-resume-mistakes-that-will-hurt-your-job-search?ref=seealso" target="_blank">10 Resume Mistakes That Will Hurt Your Job Search</a>)</p> <p>You know what HR people do when they read resumes full of bland descriptors? They slam dunk it into the circular file and move on to the next one.</p> <h2>10. Put your GPA on your resume</h2> <p>Maybe I've been out of college for too long, but I don't remember including my GPA on my resume &mdash; or anybody ever suggesting I do so. But Chris Kolmar, co-founder of Zappia.com, makes a good point about adopting the practice, at least for the first couple years after graduation.</p> <p>His logic?</p> <p>&quot;Any good hiring manager will ask for it because it's a decent predictor of success right of out college,&quot; he says.</p> <p>Not gospel, but it certainly won't hurt.</p> <h2>11. Start your job hunt months before graduation</h2> <p>Looking for a job well before you graduate doesn't always work, but getting a head start never hurts.</p> <p>&quot;I secured a job in public relations three days before graduation because of this,&quot; explains Alyssa Pallotti, an account supervisor at Montner Tech PR in Connecticut. &quot;I began applying, participating in phone interviews, and meeting potential employers in person as early as the beginning of my final semester. This allowed me to tweak my resume, cover letters, and interview style based on feedback from those companies. Therefore, my overall presentation and nerves were refined by the time I was actually eligible to take on a position.&quot;</p> <p>Yes, job hunting takes work &mdash; and that can be an overwhelming prospect when you're still dealing with school &mdash; but don't put this off. It could potentially save you months of job-hunt headaches.</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/11-ways-college-grads-can-get-ahead-in-the-job-hunt">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/how-to-keep-your-job-search-a-secret">How to Keep Your Job Search a Secret</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-you-should-never-include-in-your-cover-letter">7 Things You Should Never Include in Your Cover Letter</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-ask-for-your-old-job-back-after-leaving">How to Ask for Your Old Job Back After Leaving</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-keep-your-job-hunt-from-busting-your-budget">How to Keep Your Job Hunt From Busting Your Budget</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-land-the-job-when-youre-overqualified">How to Land the Job When You&#039;re Overqualified</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting advice career college grads internships interviewing looking for work networking new grads resumes tips Mon, 24 Apr 2017 08:30:13 +0000 Mikey Rox 1931722 at http://www.wisebread.com 7 Things You Should Never Include in Your Cover Letter http://www.wisebread.com/7-things-you-should-never-include-in-your-cover-letter <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-things-you-should-never-include-in-your-cover-letter" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_work_thinking_473428184.jpg" alt="Woman learning things she should never include on a cover letter" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Writing the perfect cover letter is a job skill unto itself. In just a few paragraphs, you need to capture the reader's attention and expertly sell your skills and experience, all while striking the right professional tone.</p> <p>It's tempting to slap something together and tell yourself that your resume is more important. Truth be told, though, your cover letter is a key part of the package. Avoiding these seven cover letter gaffes will get you through the interview door faster.</p> <h2>1. Wrong information</h2> <p>Make sure that you have all the details right. Double check that you have the correct company name and spelling, the correct job title, the right address, and, where necessary, the correct name of the hiring manager.</p> <p>If you don't have the name of the hiring manager, you can often find it by calling the company's human resources department. Let HR know which position you're applying for and ask, &quot;To whom should I address my cover letter?&quot; They won't always tell you, but sometimes they will.</p> <p>Also double check your own personal information, including your name, address, email, and phone number. It may sound like common sense, but you'd be surprised how often these tiny typos cost people a job opportunity. (See also: <a href="http://www.wisebread.com/almost-half-of-job-applicants-make-this-same-foolish-mistake?ref=seealso">Almost Half of Job Applicants Make This Same Foolish Mistake</a>)</p> <h2>2. Poor writing</h2> <p>Use complete sentences. Spell words correctly. Check (and have someone else check) your grammar and punctuation. You want this letter to be the best possible reflection of who you are and how you work, and making silly mistakes won't put your best self forward.</p> <h2>3. What you're lacking</h2> <p>Don't mention any skills or qualifications that you don't have. The cover letter is not the place to bring up any shortcomings.</p> <p>Instead, use this as an opportunity to sell yourself. Tell the potential employer why your skills and experiences are a perfect fit for the position. Remember, your cover letter isn't actually about you. It's about the company you'd like to work for and why you would be a good fit for them. Wow them with what you're offering, and maybe they won't even notice the experience you don't have.</p> <h2>4. Generic, cliché language</h2> <p>Show that you care and that you spent time on your cover letter by eliminating any generic, cliché phrases that could be part of any cover letter, for any job. Don't say that you're a &quot;team player&quot; with &quot;leadership experience&quot; who is also a &quot;hard worker.&quot; Nothing about that is unique, and it'll do nothing to differentiate you from other applicants.</p> <p>Instead, fill your letter with facts that demonstrate your unique skills. Emphasize results whenever possible. Talk about how you led a diverse team to solve a particular problem, or increased revenue by X percent. Then, explain how you would bring those skills to your new job.</p> <h2>5. Lies</h2> <p>Most people who lie on a cover letter don't do so intentionally. They panic &mdash; maybe feel inadequate &mdash; and then they either make something up or, more often, stretch the truth so it looks like they have more experience or qualifications than they actually do.</p> <p>The problem is, these things are easy to check, and besides &mdash; why would you want a job requiring skills you don't actually have? Instead, focus on qualifications you do have. If you feel tempted to stretch the truth often, maybe you need to look at different jobs or take some online courses so you actually have the skills you need for the work you want to do.</p> <h2>6. Personal information</h2> <p>This is not the time to talk about your dog, or your divorce, or about how you need this job because you have to support your three kids all on your own. Yes, those are important things to you, but they don't belong in your cover letter.</p> <p>Like I mentioned above, the cover letter isn't actually about you. It's about the company where you're applying, and how you can make it better. Even if your need for work is desperate, or if there are some personal things you think the company should know about you before they make a decision, the cover letter isn't the place to list them. Wait for an interview.</p> <h2>7. Long paragraphs</h2> <p>No one wants to read a wall of text, especially when they are scanning cover letters for keywords. So, keep your paragraphs short and limit your letter to a single page.</p> <p>This means that you have to be pithy in what you say. Straightforward is usually best. Describe your experience and qualifications, highlight how they satisfy key requirements of the job you're applying for, and then wrap it up. More words aren't necessarily better.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/7-things-you-should-never-include-in-your-cover-letter">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/how-to-keep-your-job-search-a-secret">How to Keep Your Job Search a Secret</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-ways-college-grads-can-get-ahead-in-the-job-hunt">11 Ways College Grads Can Get Ahead in the Job Hunt</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-resume-rules-you-should-be-breaking">4 Resume Rules You Should Be Breaking</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-proper-ways-to-discuss-salary-in-a-job-interview">The Proper Ways to Discuss Salary in a Job Interview</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/almost-half-of-job-applicants-make-this-same-foolish-mistake">Almost Half of Job Applicants Make This Same Foolish Mistake</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Job Hunting advice career cover letters employment job applications Mistakes new jobs resumes Tue, 18 Apr 2017 08:30:11 +0000 Sarah Winfrey 1929793 at http://www.wisebread.com Freelance Your Way to More Income and Flexibility http://www.wisebread.com/freelance-your-way-to-more-income-and-flexibility <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/freelance-your-way-to-more-income-and-flexibility" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-626259596.jpg" alt="" title="" class="imagecache imagecache-250w" width="250" height="144" /></a> </div> </div> </div> <p>Freelancing is nothing new, but digital technology has made it easier than ever to work as an independent contractor from home &mdash; or the road. A 2016 survey by UpWork, a website matching freelancers with companies looking to hire, found that more people are freelancing than ever before, with 35% of the U.S. workforce now made up of freelancers.</p> <p>Why the growth? Employers like to hire freelancers, especially for temporary or project work, because the arrangement is more flexible, and they save on employee benefits and extra office space. Freelance workers gain by getting to choose the projects they want and working flexible hours. It's a work model that offers greater choice for both parties.</p> <h2>Challenges to Being a Freelancer</h2> <p>While freelancing offers concrete advantages, many people worry about giving up the stability and benefits of a traditional job. Losing company-sponsored health insurance, paid vacations and retirement contributions are indeed valid concerns, especially since it takes time to attract new clients and develop relationships with them.</p> <p>For this reason, some people do a combination of both types of work, retaining stability with a part- or full-time traditional job, while also following their passions and earning more money through additional freelance projects.</p> <p>For others, according to the UpWork survey, full-time freelance work actually feels <em>more </em>secure because they have several different clients, rather than relying on one employer for their income.</p> <p>Another major concern that freelancers share is receiving fair compensation for the work being done, as well as losing out on a reliable pay schedule. Freelancers often have to balance a &quot;feast or famine&quot; phenomenon, when they may either have too much work or not enough.</p> <p>Still, the UpWork survey showed 79% of freelancers viewed freelance work as better than working in a traditional setting, and half of them even said they wouldn't take back a traditional job, regardless of the compensation that was offered to them.</p> <p>That's not to say that freelancing is for everyone or for every type of job, but many of those who have decided to pursue this path have found it extremely rewarding.</p> <p>See also: <a href="http://www.wisebread.com/day-job-or-freelance-which-is-right-for-you?ref=seealso2" target="_blank">Day Job or Freelance: Which Is Right for You?</a></p> <h2>Greater Freedom and Flexibility</h2> <p>Freedom and flexibility are two of the biggest draws that attract people to work as freelancers, according to UpWork's survey findings. They feel they have more control over their work schedule by being their own boss. Long weekends are no longer reserved for holidays and special occasions.</p> <p>Many also enjoy the freedom to choose what type of work they want to do and, in many cases, where they do that work. Especially for people who have been commuting long distances or in heavy traffic to get to their workplace, working in a home office can be truly liberating.</p> <p>Plus, if you're just freelancing on the side, the extra cash may help alleviate stress about saving for retirement, travel or education.</p> <h2>Getting Started as a Freelancer</h2> <p>If you think the freelance lifestyle might be right for you, the first step is to identify a marketable skill you have that you can use to <a href="http://www.wisebread.com/how-to-find-freelance-clients-part-one?ref=internal" target="_blank">attract potential clients</a>. Some examples include writing, editing, computer programming, business or financial consulting, and photography, just to name a few. Picking a clearly defined skill and, even better, a niche that you want to focus on will help you to cater to your potential clients and make you an attractive candidate. (See also: <a href="http://www.wisebread.com/11-freelance-jobs-that-pay-surprisingly-well?ref=seealso" target="_blank">11 Freelance Jobs That Pay Surprisingly Well</a>.)</p> <h3>Make a Portfolio</h3> <p>Gather a portfolio to showcase related projects you've worked on. These may be projects from your current full-time job, or from classes you've taken, or pro bono work you've done to gain experience in the field you want to pursue. A portfolio allows potential clients to see examples of your work to decide if they want to work with you. The better portfolio you're able to put together, the easier it will be to find clients.</p> <p>Depending on what type of freelance work you are going to do, you may want to make a website to showcase your portfolio online. You can also create a portfolio on <a href="https://www.upwork.com/" target="_blank">UpWork</a>, <a href="https://www.linkedin.com/" target="_blank">LinkedIn</a>, or specialist websites like <a href="https://contently.com/" target="_blank">Contently</a> and <a href="https://www.clearvoice.com/" target="_blank">ClearVoice</a>, which focus on content marketing.</p> <h3>Create a Network</h3> <p>Like any job, networking is a very important part of finding freelance gigs. You can do this using social media, but you should also focus on real-life networking opportunities through conferences, professional organizations and Meetup groups. There is nothing that can replace the value of meeting people face-to-face.</p> <p>Even social gatherings in your everyday life could lead to valuable contacts. Bring up the work that you do in casual conversations and you'll be surprised how many doors may open for you.</p> <h3>Pitch Your Best Ideas</h3> <p>If you have a great idea for a project, now is the time to reach out to potential clients and, in a professional manner, pitch your idea to them. There's an art to writing a great pitch. Especially if you're contacting an editor or CEO you don't know personally, you will need to make as good of an impression as possible over email.</p> <p>This is the equivalent of cold calling, so you need to have your pitch polished and well thought out. For writing gigs, it's often recommended to provide a specific outline and an article title. Think about the company's needs, and then send them your best ideas, not run-of-the- mill ideas that anyone could have thought of.</p> <h2>Remember, You're Running a Business</h2> <p>Once you've made the leap to freelancing, whether it's full time or as a side gig, remember you are running a business. You'll need to track your business spending (a dedicated <a href="http://www.wisebread.com/the-5-best-credit-cards-for-small-businesses?ref=internal" target="_blank">business credit card</a> can help with this), as well as organize your billing, taxes and retirement savings. This all takes time that you'll need to work into your schedule. (See also: <a href="http://www.wisebread.com/the-5-biggest-mistakes-freelancers-make?ref=seealso" target="_blank">The 5 Biggest Mistakes Freelancers Make</a>.)</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amanda-gokee">Amanda Gokee</a> of <a href="http://www.wisebread.com/freelance-your-way-to-more-income-and-flexibility">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/what-to-do-when-youre-sick-of-your-side-gig">What to Do When You&#039;re Sick of Your Side Gig</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/13-businesses-your-tween-can-start">13 Businesses Your Tween Can Start</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-moves-every-first-year-freelancer-should-make">6 Moves Every First Year Freelancer Should Make</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/100-ways-to-make-more-money-this-year">100+ Ways to Make More Money This Year</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-i-learned-about-money-after-i-went-freelance">7 Things I Learned About Money After I Went Freelance</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income career free time freelance self employment side gig small business Wed, 01 Feb 2017 10:00:09 +0000 Amanda Gokee 1879593 at http://www.wisebread.com Flashback Friday: 59 Tips to Help You Nail That Job Interview http://www.wisebread.com/flashback-friday-59-tips-to-help-you-nail-that-job-interview <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/flashback-friday-59-tips-to-help-you-nail-that-job-interview" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_shaking_hands_599255318.jpg" alt="Woman nailing her job interview" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>There are few things quite as stress-inducing as an upcoming job interview. You want to make a good impression, you want to appear confident, and you want to seal the deal in the short amount of time you have. It's not easy, but it is possible. Here are 59 ways you can nail that big job interview.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000051956032_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/how-to-ace-your-next-coffee-interview?ref=fbf">How to Ace Your Next Coffee Interview</a> &mdash; Many companies are using more informal settings for their interviews. It tends to put both parties more at ease, but it's a job interview, so common etiquette rules still apply. Here's how to walk that fine line.</p> <p><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions?ref=fbf">How to Answer 23 of the Most Common Interview Questions</a> &mdash; The best way to nail a job interview is to go in prepared. Learn as much as you can about the company. Also practice answering these common interview questions before you go in.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/iStock_000061725250_Large.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-ways-to-calm-your-nerves-and-ace-your-interview?ref=fbf">6 Ways to Calm Your Nerves and Ace Your Interview</a> &mdash; Nerves and anxiety can really mess with your mind. While it's nearly impossible to get rid of them completely, there are ways ease that stress before you walk into the interview.</p> <p><a href="http://www.wisebread.com/how-to-get-the-job-without-saying-a-word?ref=fbf">How to Get the Job Without Saying a Word</a> &mdash; No, it's not handing the interviewer a wad of cash and a tray of cupcakes. It's all about posture, eye contact, and body language. These tend to be more noteworthy than just saying the right things. You gotta walk the walk.</p> <p><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5171/man_crossed_arms_000046266010.jpg" width="605" height="340" alt="" /></p> <p><a href="http://www.wisebread.com/6-extreme-job-interview-tactics-that-worked?ref=fbf">6 Extreme Job Interview Tactics That Worked</a> &mdash; These wacky tactics aren't always the best way to go, but they will make you a memorable candidate. And that's the goal, really. You need to stand out from the rest of the pack, while also being qualified and confident.</p> <p><a href="http://www.wisebread.com/10-things-you-should-never-do-during-a-job-interview?ref=fbf">10 Things You Should Never Do During a Job Interview</a> &mdash; Almost as important as knowing what to do, is knowing what <em>not </em>to do in a job interview. Some of these might seem obvious (don't be late, don't mumble), but they are all crucial missteps that can totally ruin an otherwise great interview. Avoid them at all costs.</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-59-tips-to-help-you-nail-that-job-interview">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-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-45-brilliant-career-tips-for-introverts">Flashback Friday: 45 Brilliant Career Tips for Introverts</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-46-easy-ways-to-be-more-productive">Flashback Friday: 46 Easy Ways to Be More Productive</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-36-ways-to-stay-productive-while-working-from-home">Flashback Friday: 36 Ways to Stay Productive While Working From Home</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building career career tips common interview questions fbf flashback friday interview questions Job Interview Fri, 27 Jan 2017 10:30:32 +0000 Chrissa Hardy 1881874 at http://www.wisebread.com 11 Smart Ways to Maximize Desk Space http://www.wisebread.com/11-smart-ways-to-maximize-desk-space <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-smart-ways-to-maximize-desk-space" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/shared_desk_space_491380930.jpg" alt="Team learning how to maximize desk space" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>A few years ago, I had a large office with a big desk at work and my home office was a 500 square foot unfinished basement with six tables set up to make a very large desk area. Fast forward to today, and my workspace has been reduced to a small cubicle at work and no desk space at home. Yet I am more productive than ever. How did I increase my productivity after losing almost all of my desk space?</p> <p>For one thing, I wasn't getting much value from my copious amount of desk space. I used my work surfaces mostly to store stacks of papers and research materials I was saving and various office equipment and supplies. It was sometimes handy to have most of my stuff out where I could see it, but the chaos of this arrangement outweighed any real productivity benefits. With all of the stuff piled around on my desk space, I effectively had a small desk anyway!</p> <p>Having precious little desk space has forced me to stay highly organized. Instead of setting things aside to sort or file later, I take control of potential clutter before it takes control of my desk. When I am ready to work on something, I can quickly find the needed items and get only these things out to work on. It is easier to focus on the task at hand without so much unfinished business staring me in the face from all corners of my desk.</p> <p>Here are some smart ways to maximize your minimal desk space.</p> <h2>1. Go Full Digital</h2> <p>One of the big improvements I made to help me stay productive with little desk space is moving from analog to digital. In the old days, I had literally hundreds of pounds of paper documents in file cabinets and piled on my desk. I also had lots of notebooks with handwritten notes. The problem with analog stuff is that it takes a lot of effort to keep files organized and find the right material when you need it. I realized that my paper records were basically useless since I couldn't find anything and it wasn't worth the huge effort to organize the old papers.</p> <p>Now I keep all of my documents, research articles, and photos in digital form on my computer. I use paper documents only occasionally when I want to take notes while I am working on something. Then I scan in or type up my notes and then recycle the papers. I can search my digital files by keyword and date, and the digital files take up no room at all. If you store your data on the cloud, you can have access to all of your digital files from anywhere &mdash; home, work, or on the road.</p> <h2>2. Get Rid of Stuff</h2> <p>Are you really going to look at that stack of old magazines or papers again? Do you think you will ever use your zip drive again? At some point, it's time to just get rid of stuff you don't need and get your desk space back.</p> <h2>3. Add a Clean Desk Policy</h2> <p>I clear my desk at the end of every single day. When I had a large chaotic desk, this would have been unimaginable. In those days, I liked the idea of having papers, articles, and notes stacked around on my desk. I thought it gave the impression that I was busy and working on important things.</p> <p>Then one day, I had a meeting with a very successful colleague in his office. His desk was totally clear except for a couple of framed photos and the paper that we were meeting to discuss. He didn't feel the need to leave stacks of papers and things around to impress people. I could tell that he impressed people by focusing and getting things done. His highly organized desk impressed me, and I decided to make a change.</p> <p>Now I only get things out as I need them and put everything away at the end of the day. I keep my papers and other materials organized so I can easily find what I need when it is time to get materials out again to work on them. A small desk space seems a lot bigger when you keep it cleared.</p> <h2>4. Look Out Below</h2> <p>Even though my desk space is not very large, there is an equal amount of floor space under the desk. Most people underutilize this valuable storage space. It's actually a handy place to keep things close, yet out of the way. Use the forgotten under-the-desk space to get things off your desk so you can use all of your desk space productively as a work surface.</p> <h2>5. Send Stuff to Storage</h2> <p>During my recent office move, I sent a lot of equipment and materials out of my office to be stored somewhere else. I made a spreadsheet of all of the items that I moved out and noted where I stored them. Take a few minutes to label what's inside your storage boxes and label items with your name to make them easier to get back if you need them again. Store stuff that you rarely use away from your office to give yourself more desk space and boost your productivity.</p> <h2>6. Shrink Down</h2> <p>Use smaller equipment such as a laptop or tablet that you can easily move or put away to maximize availability of your desk space as a work surface. Get rid of equipment you don't need, such as a personal printer if there is an alternative you can use on the network.</p> <h2>7. Incorporate an Ergonomic Arrangement</h2> <p>Arrange the items on your desk based on how much time you spend using them. For most people, the highest priority should be to arrange your chair and computer in the best possible location at your desk since this is where most of your time is spent. Next, find a convenient space for the phone and reserve some clear desk space to read papers and take notes while you are working. I set up a desk light over the space where I read papers, which makes reading easier and makes my office seem larger.</p> <h2>8. Create Some Cord Control</h2> <p>Don't let out-of-control cables, power cords, and power supply bricks eat up your valuable desk space. Route cables behind equipment and under the desk to keep them off your desk space, and use cable ties to keep cables where you want them. You might even benefit by getting rid of some cords altogether &mdash; get an inexpensive cordless keyboard and mouse to get rid of a couple cords and gain some flexibility in how you can work at your desk.</p> <h2>9. File It Down</h2> <p>If you need to keep paper documents, thin them down to keep only the ones you really need. Then organize these important papers so you can easily find them later. Divide up your papers into piles by category, write the category names on file folders, and put them into a file cabinet instead of on your desk. Those papers that are cluttering up your desk should easily fit into only a few inches of file cabinet space in hanging files.</p> <h2>10. Reuse, Recycle</h2> <p>Use recycled items for handy organizers and storage:</p> <ul> <li>Plastic food containers can store office supplies and miscellaneous hardware.<br /> &nbsp;</li> <li>Shoeboxes make great storage containers for larger office supplies and project materials. If you don't like using cardboard shoe boxes, you can get inexpensive clear plastic boxes so you can see what is inside.</li> </ul> <p>Group related materials together in storage containers to make kits that you can store in a drawer or under your desk and get out when you are working on a certain type of project on your desk surface.</p> <h2>11. Set up a Remote Desktop</h2> <p>Set yourself up to take your computer and files with you and work productively away from your desk &mdash; at a coffee shop or in a conference room, for example. There are advantages to not being tied down to working at your desk. By being mobile, you can give yourself a bigger desk whenever you have a task that requires a lot of desk space, or if you just want to work at a big desk.</p> <h2 style="text-align: center;">Like this article? Pin it!</h2> <div align="center"><a data-pin-do="buttonPin" data-pin-count="above" data-pin-tall="true" data-pin-save="true" href="https://www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2F11-smart-ways-to-maximize-desk-space&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2F11%2520Smart%2520Ways%2520to%2520Maximize%2520Desk%2520Space.jpg&amp;description=11%20Smart%20Ways%20to%20Maximize%20Desk%20Space"></a></p> <script async defer src="//assets.pinterest.com/js/pinit.js"></script></div> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/11%20Smart%20Ways%20to%20Maximize%20Desk%20Space.jpg" alt="11 Smart Ways to Maximize Desk Space" width="250" height="374" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/dr-penny-pincher">Dr Penny Pincher</a> of <a href="http://www.wisebread.com/11-smart-ways-to-maximize-desk-space">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/how-radical-implosion-can-help-you-get-ahead-at-work-and-everywhere-else">How &quot;Radical Implosion&quot; Can Help You Get Ahead at Work — and Everywhere Else</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-to-ease-into-a-day-job-after-freelancing">5 Ways to Ease Into a Day Job After Freelancing</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-82-best-spring-cleaning-hacks-we-ve-ever-shared">Flashback Friday: The 82 Best Spring Cleaning Hacks We’ve Ever Shared</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/organize-8-key-areas-of-your-life-with-these-17-smart-apps">Organize 8 Key Areas of Your Life With These 17 Smart Apps</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-deal-when-you-work-with-someone-you-hate">8 Ways to Deal When You Work With Someone You Hate</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Organization career cleaning hacks desk desk space life hacks Office Space organization work habits Tue, 10 Jan 2017 10:30:39 +0000 Dr Penny Pincher 1871079 at http://www.wisebread.com Jumpstart Your Job Search With Instagram http://www.wisebread.com/jumpstart-your-job-search-with-instagram <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/jumpstart-your-job-search-with-instagram" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-518955296.jpg" alt="use Instagram for your job search" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Instagram, like Facebook and Twitter, is huge. No doubt you already have an account, post often, and follow friends, family, celebrities, and brands. But Instagram is not simply a fun way to share photos and fill up your spare time. When used correctly, and judiciously, it can be an excellent tool that can be used in your job hunting.</p> <h2>Follow the Companies You Want to Work For</h2> <p>Almost every company has an Instagram page these days. They're a small expense on the marketing budget, and with the correct use of hashtags, combined with shareable content, they can be a very cost-effective way to spread awareness. You should use this to your advantage.</p> <p>Find the Instagram page of the company (or companies) you are applying to, and see what they're posting about. Instagram is a visual medium, so it will no doubt be a lot of creative, eye-catching content. Don't just look at the pictures though; read the post copy. And go back at least a year &mdash; even further if it's available. You want to absorb as much as you can. Take down notes. What are the major themes that keep cropping up? Which posts got the most likes? Which ones sparked conversation? You can use all of this in the interview, or use it to guide your application and cover letter. This is a great way to background check any company.</p> <h2>Vet Your Current Instagram Account Carefully</h2> <p>Chances are, you already have an Instagram account. If that's the case, hopefully it doesn't contain content that could be off-putting to potential employers. People live their lives in public these days, and often don't consider the consequences of posting whatever comes into their heads. Instagram doesn't allow content that is very NSFW, but these days that is a fine line. It will still allow images that are provocative in many ways, and whether personal, sexual, or political, if it's too edgy, it could lead to your downfall.</p> <p>Employers look for you on social sites, and they can make a snap decision based on your Instagram posts that is not reflective of who you actually are. With that in mind, look through your posts and consider deleting anything that you would not want someone bringing up in an interview. While it was fun to chug that yard of ale, it may not exactly reflect the professionalism some companies are looking for.</p> <h2>Create an Instagram Account Based on the Job You Want</h2> <p>You should seriously consider having an Instagram account that is directly tied to your career, and your future in the industry. If you're in advertising or marketing, set up an account that focuses on those areas of expertise. The same strategy can be used for any industry focus. You should already be actively interested in your profession anyway, so your personal Instagram account could already reflect some of that.</p> <p>However, friends and family may not want to follow you if that's all you're posting. So, create and maintain an account that is dedicated to posts that are going to be of interest to the next company looking to hire you. And once again, keep the content appropriate for the industry. Obviously if you want to work in children's television, your account is going to look a lot different from someone who wants to be a fashion photographer.</p> <h2>#Hashtags Are Invaluable</h2> <p>Some Instagram users will often have a laundry list of hashtags in their posts. You've no doubt seen things like &quot;#writing #creativewriting #poetry #wordsonfleek #englishlanguage #scholar&quot; and thought, <em>Wow, that's overkill.</em> Actually, it's not.</p> <p>Hashtags like these are signposts that bring people to your posts based on their interests. If you're really into vintage cars, searching #vintagecars on Instagram brings up over 350,000 entries. #KimKardashian delivers over 4.9 million posts! So how can this help you? Well, what kind of job are you looking for? If you want to be a DJ in a local club, start posting images and tagging them with the name of the club you'd like to work for, plus other relevant tags based on night life and music. If you want to be considered for a top job in an ad agency, tag the agency you'd really like to work for, and maybe the names of the accounts they work on, and the senior executives. Hashtags, when used correctly, can be a precise way to get the right people looking at your posts. And of course, you can also search for hashtags of employers and get the same advantages.</p> <h2>Make Professional Connections</h2> <p>There are over <a href="https://www.statista.com/statistics/272014/global-social-networks-ranked-by-number-of-users/" target="_blank">500 million monthly active users</a> on Instagram. That's around one in 15 people in the world. Consider that for a moment. One fifteenth of the world's population actively posts to Instagram every single month. And the chances of someone influential in your industry being on Instagram? It's a certainty. So, use Instagram to make connections. Follow the people in your industry who are making waves. Go local, and find people near you who can make a difference. Like their posts. Comment on them. Tag them in posts you think will interest them. You'll be amazed at how quickly a professional relationship can sprout from a few months of Instagram interaction.</p> <h2>Cross-Link to Other Social Media Sites</h2> <p>There are over <a href="https://www.statista.com/statistics/272014/global-social-networks-ranked-by-number-of-users/" target="_blank">1.7 billion monthly active users on Facebook</a>, and over 300 million on Twitter. Then, there are the other more niche social media platforms that still generate a lot of traffic, including Pinterest and Snapchat. Most professional Instagram users these days will use their account to drive people to their other sites, and that's smart. While you may follow someone on Instagram, you may not realize they are also active on Twitter and Snapchat. So, do the same. Cross-link, or cross-post, to other sites. Many companies have a much greater Facebook presence than Instagram, but the two are not mutually exclusive. By linking the accounts, the chances of making connections with influential people in your industry skyrocket. And, you have a greater chance of being found by your next employer if you spread yourself across many sites.</p> <p>Remember, Instagram, like many other social media sites, has many layers. On the surface, it can simply be a fun and easy way to share images, and find like-minded people. But dig deeper, and you have a tool available to you that can land you a job, or even <a href="http://www.wisebread.com/6-ways-social-media-can-save-you-money?ref=internal" target="_blank">generate some income</a>.</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/jumpstart-your-job-search-with-instagram">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/how-to-keep-your-job-search-a-secret">How to Keep Your Job Search a Secret</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-youre-sabotaging-your-job-hunt">7 Ways You&#039;re Sabotaging Your Job Hunt</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/how-to-get-a-job-learn-the-secret-from-a-bad-movie">How to get a job--learn the secret from a bad movie</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/4-ways-being-passive-kills-your-job-prospects">4 Ways Being Passive Kills Your Job Prospects</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Job Hunting career instagram job search social media unemployed work Thu, 29 Dec 2016 11:00:09 +0000 Paul Michael 1864338 at http://www.wisebread.com 8 Ways to Deal When You Work With Someone You Hate http://www.wisebread.com/8-ways-to-deal-when-you-work-with-someone-you-hate <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/8-ways-to-deal-when-you-work-with-someone-you-hate" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_93735987_MEDIUM.jpg" alt="how to deal when you hate your coworker" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>We can choose our friends, but we can very rarely choose our coworkers. We're just a bunch of people working for the same company, and we're told to get along. And to be fair, that's what happens most of the time. We make friends. We have relationships. Some people aren't exactly our first choice, but they're okay. However, occasionally, there is that one person that stands out from the crowd. Not only do we dislike them; we hate them with a passion. It can consume our every waking thought. If you are in this same boat, here are eight ways to help you cope.</p> <h2>1. Avoid Them Whenever Possible</h2> <p>Yes, you work with that person, but how often you interact with them could be controlled. Maybe you can do more of your communication through email, or even texts. If you know they'll be sitting in a certain spot at lunchtime, have your lunch somewhere else, or a little earlier or later in the day. If they're in a meeting with you, don't sit close enough to force conversation. If you're working on a project together, limit the time spent in the same room. Do whatever you can to keep your interactions to an absolute minimum. And it goes without saying, activities outside of work should be avoided at all costs. At least at work, you know there will be a certain level of company-mandated civility.</p> <h2>2. Have a Serious One-On-One</h2> <p>Sometimes the hate between two people can be traced back to one or two incidents that have been blown out of proportion. On other occasions, it may be a misunderstanding that has grown into resentment, which has created undue hostility. For all you know, they could be holding a grudge against you that has turned their attitude very sour. And the same may be said about you. This could all be in both of your heads, so find the time to sit down at lunch, or a coffee break, and address the elephant in the room. &quot;Look, we really seem to have some hostility between us&hellip;can we talk about it? Would you like to say something? Is there anything I can do or say to address this?&quot; Of course, if you really hate someone, but they are blissfully unaware of it, this approach will not work.</p> <h2>3. Remember That It's Okay to Really Dislike Someone</h2> <p>A lot of us have this feeling that everyone should like us, and everyone should, in turn, be likable. But that's just not human nature. Some people will always rub us the wrong way. Some people are polar opposites of us, and although they have many friends, we are never going to be one of them. As long as you don't act out on that hatred, you can simply reassure yourself that this person is always going to be someone in your life that makes your skin crawl, but that when you leave work, you don't see them. And that's totally fine.</p> <h2>4. Keep the Hate to Yourself</h2> <p>When you start spewing your feelings of hate and disgust to other coworkers, you are on a slippery slope to getting fired. At the very least, people will certainly think less of you, and may even think you speak just as badly about them behind their backs. It's bad enough that you have to go through every workday feeling tense and annoyed; you do not want to add office gossip about you into the equation. If you really have to blow off some steam about your coworker, do it out of the office, preferably with a close friend or family member who can help you calm down.</p> <h2>5. Find Something Else to Concentrate On</h2> <p>There is an old proverb that goes something like this: &quot;Holding onto anger is like drinking poison and expecting the other person to die.&quot; If you hate someone (and hate is a strong emotion) then you are angry, pent up, frustrated, and on edge. That's not good for you, your career, or your health. So, take the focus off the <a href="http://www.wisebread.com/how-to-stay-focused-at-work-despite-your-chatty-coworkers">coworker who is making you miserable</a>, and instead find something to occupy your mind. Maybe it's a big project at work. Perhaps it's a hobby that can keep your mind ticking over. Some people find it cathartic to turn that hate into something that can be positive, like volunteering to fight animal abuse, homelessness, or a disease. Whatever you do, don't let hate consume you. It can be channeled for good.</p> <h2>6. Maybe It's Not Them. Maybe&hellip;It's You.</h2> <p>A little bit of introspection never hurt anyone. Famous advertising CEO Bill Bernbach kept a small piece of paper in his pocket, and carried it for his entire career. It said, &quot;Maybe they're right.&quot; In the advertising world, this was a way to bring him down to earth and consider the opinions of the client, his coworkers, and anyone else who may offer a dissenting opinion. When it comes to someone you hate, take the same approach.</p> <p>Maybe you took an instant dislike to them for the wrong reasons. Perhaps they remind you of someone else you really dislike. Or worse, their worst traits remind you of your own. Take a long, hard look at why you hate this person, and reflect upon it. The results may surprise you.</p> <h2>7. Get to Know Them a Little Better</h2> <p>It may seem counterintuitive to spend more time with someone you passionately dislike, but it can actually be very helpful. It's very possible that your opinion of the person is based on half-truths, brief encounters, and misunderstandings from emails and phone calls. In fact, emails are notorious for causing upsets, as tone and body language cannot be read in the text. Therefore, by spending more time with that person, you may get to know &quot;the real them.&quot; You may even find that you get to like them, rather than just understand them. Or maybe even make a new friend. It sounds crazy to think hate can turn into friendship, but it happens all the time.</p> <h2>8. Put Them Out of Your Mind</h2> <p>Your hate is giving this person more time in your life than they should ever have. You're concentrating on them way too often. So they suck at their job. They have a bad attitude. They microwave the smelliest fish dishes on a daily basis. In the grand scheme of things&hellip;so what? Unless this person is doing something to you that is significantly worrying or dangerous (in which case, HR can get involved quickly) you are simply putting too much focus on annoying behavior. Even if they stole a promotion out from under you, or take credit for some of your work, your hatred is not going to change how they act in the future. Just realize you're the better person.</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/8-ways-to-deal-when-you-work-with-someone-you-hate">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/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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/jumpstart-your-job-search-with-instagram">Jumpstart Your Job Search With Instagram</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/6-pearls-of-career-wisdom-from-brian-tracy">6 Pearls of Career Wisdom From Brian Tracy</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income Life Hacks annoying coworker career career advice coworker job hacks job stress work Thu, 17 Nov 2016 11:30:11 +0000 Paul Michael 1834561 at http://www.wisebread.com 9 Dream Jobs You're Never Too Old to Pursue http://www.wisebread.com/9-dream-jobs-youre-never-too-old-to-pursue <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/9-dream-jobs-youre-never-too-old-to-pursue" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_94666787_LARGE.jpg" alt="you&#039;re never too old to pursue these dream jobs" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Starting a new career shouldn't have an age restriction attached to it. Fortunately, there are a number of <a href="http://www.wisebread.com/the-real-world-salaries-of-8-childhood-dream-jobs">dream jobs</a> that can be pursued at any age. Once you decide to put yourself first and pursue a career that you've always dreamed of, you're already one step closer. The worst restrictions that will ever be placed on your life are the ones you place on yourself.</p> <h2>1. Actor</h2> <p>Acting doesn't begin or end at any particular age. Studios are always looking for actors in all age ranges, so you can pursue this interest at any point in your life. For instance, Michael Clarke Duncan of <a href="http://amzn.to/2fqDEVT">The Green Mile</a> didn't begin his acting career until age 38. There are myriad actors who didn't become famous until after age 30, including: Melissa McCarthy, Jon Hamm, Bill Pullman, Ty Burrell, Danny Trejo, Danny Glover, Ray Romano, Alan Rickman, Lupita Nyong'o, Kristen Wiig, and the list goes on and on.</p> <h2>2. Comedian</h2> <p>Careers in comedy can be pursued at any time. Famed comedian, Phyllis Diller, didn't make her <a href="http://www.cnn.com/2012/08/20/showbiz/phyllis-diller-obit/">debut as a standup comedian until age 37</a>. Some could argue that with more life experience under your belt, you will have more funny observations. Begin with improv classes or perform stand-up at your local open mic to see how you feel in front of a crowd.</p> <h2>3. Musician</h2> <p>Music is another hobby that can become very lucrative and rewarding at any age. In fact, because it's true that practice makes perfect, one could argue that you would become better at your selected instrument with time.</p> <h2>4. Model</h2> <p>While modeling is typically considered a younger profession, that's not always the case. Designers are constantly looking for models of all ages, so while you may not book as many jobs as someone who began modeling in their late teens, it's still never too late to start. Model <a href="http://www.valerieramsey.com/">Valerie Ramsey didn't begin modeling</a> until age 63.</p> <h2>5. Chef or Baker</h2> <p>Opening a bakery or starting a career as a chef can be risky. However, there is never an age limit when it comes to cooking and baking. People develop their skills and continue improving recipes over time, making them a better chef later in life. If you need more inspiration, Julia Child didn't even begin attending culinary school until she was 36 years old.</p> <h2>6. Teacher</h2> <p>If you decide later in life that you want to begin teaching students, be thankful that you now have more life experience under your belt so you can be a better, more well-rounded teacher. To begin pursuing this career, consider becoming a substitute teacher first to feel things out and see how you like the change.</p> <h2>7. Writer</h2> <p>Stan Lee didn't create his <a href="http://www.vulture.com/2016/02/stan-lees-universe-c-v-r.html">first comic book until age 38</a>, and <a href="http://www.biography.com/news/laura-ingalls-wilder-biography-facts">Laura Ingalls Wilder published her first Little House</a> books at age 65. Whether you're interested in writing fiction, comics, nonfiction, or scripts &mdash; ideas can come to you at any age, any time. It's not too late to start writing and live the life you always dreamed of.</p> <h2>8. Artist</h2> <p>There are a range of artists with impressive careers that didn't start until later in life. Whether you're interested in painting, graphic design, illustration, or any other means of art, inspiration can come at any age. For example, Anna Mary Robertson Moses (aka Grandma Moses) <a href="http://time.com/4482257/grandma-moses-history/">didn't begin painting until age 78</a>.</p> <h2>9. Fashion Designer</h2> <p>Designing fashion and jewelry doesn't begin or end at any age. In fact, Vera Wang didn't <a href="http://www.thefashionspot.com/runway-news/597211-vera-wang/">begin her career as a designer until age 40</a>.</p> <h3>How to Get Started</h3> <p>Before you make the leap to your new dream job, make sure you are prepared for what's to come. For instance, if you decide to become a doctor at age 60, keep in mind that you'll need four years of medical school before you can even begin your 3-7 years of residency. It's best to pursue a new career or dream when you already have some money in the bank and you're financially set to do so. Make sure your family is also prepared for any changes that a new career may bring.</p> <p>Whether you're ready to make the leap to your dream job or you're still contemplating things, you should at least begin by pursuing your passion now. Whether this means beginning cooking classes, taking a writing course, or simply figuring out exactly what kind of commitment it would take to be successful in your new career, it couldn't hurt to get started now. This will also allow you to become more realistic about what to expect and get more organized for the work ahead.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/andrea-cannon">Andrea Cannon</a> of <a href="http://www.wisebread.com/9-dream-jobs-youre-never-too-old-to-pursue">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/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/how-to-find-unlisted-jobs-and-win-every-salary-negotiation">How to Find Unlisted Jobs and Win Every Salary Negotiation</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-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-4 views-row-even"> <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-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-answer-23-of-the-most-common-interview-questions">How to Answer 23 of the Most Common Interview Questions</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting career dream job job search too old too young Tue, 08 Nov 2016 09:30:12 +0000 Andrea Cannon 1828831 at http://www.wisebread.com 10 Personal Issues No One at Work Needs to Hear http://www.wisebread.com/10-personal-issues-no-one-at-work-needs-to-hear <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-personal-issues-no-one-at-work-needs-to-hear" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_93735987_LARGE.jpg" alt="don&#039;t talk about these personal issues at work" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most Americans spend way too much time at work. In fact, according to a 2015 study by Gallup, the <a href="http://www.gallup.com/poll/175286/hour-workweek-actually-longer-seven-hours.aspx">average work week for a full-time employee</a> in the U.S. is 47 hours. Amid all that team-building togetherness, it's easy to blur the line between our professional and personal lives &mdash; and jeopardize our careers in the process. Protect your future by avoiding topics that can knock you down a rung or two on the corporate ladder. Here are 10 personal issues no one needs to hear about at work.</p> <h2>1. Legal Troubles</h2> <p>However unfair or inaccurate it may be, your ongoing legal issues imply two things to employers: You have poor judgment, and a litigious personality. Whether you're on the right side of the law or the wrong side, it's good policy to keep legal battles private.</p> <h2>2. Relationship Disasters</h2> <p>Messy divorce? Cheating boyfriend? Breakup that you just can't seem to get over? They may be part of life, but not part of appropriate workplace conversation. Rehashing your relationship disasters communicates that you have difficult time separating your personal and professional worlds &mdash; and that's a career-limiting trait.</p> <h2>3. Previous Employment Drama</h2> <p>No surprises here. Skip the stories about the boss who hated you, the coworker who stole your promotion, the office party that got out of hand, or the six-week strike you initiated. Employers tend to frown upon staff members with dramatic work histories, and they're rightfully concerned that certain types of employment issues might be contagious.</p> <h2>4. Sex Life</h2> <p>Tempted to break up a boring afternoon at the office with a tale of romantic misadventure? Abstain. Save the intimate details of your life for close friends, a night out with the guys or girls, or the journal in your nightstand. Beyond the TMI factor, you never know who's listening to your story or sharing it at the water cooler. Those amorous tales could be disastrous for your career.</p> <h2>5. Family Crises</h2> <p>Never-ending family issues suggest that you have a difficult time managing your personal life and setting clear boundaries &mdash; two qualities directly related to professionalism and productivity. Granted, nearly everyone deals with a sick kid or childcare challenges from time to time. Just make sure controlling the chaos at home doesn't become part of your daily work schedule.</p> <h2>6. Money Matters</h2> <p>Sure, we've all had a lean month here and there, but broadcasting persistent money problems at work won't get you very far. Besides making employers question your discipline and ability to manage budgets, chronic money issues hint that you may soon be looking for a higher-paying job.</p> <h2>7. Political Positions</h2> <p>Politics is a divisive topic, especially during a contentious election cycle. Though everyone has strong opinions, it's smart strategy to stay neutral from 9-to-5. We're all human; sharing partisan views can directly or indirectly offend someone and limit your prospects for advancement. (See also: <a href="http://www.wisebread.com/4-financial-reasons-to-keep-your-political-views-private?ref=seealso">4 Financial Reasons to Keep Your Political Views Private</a>)</p> <h2>8. Religious Views</h2> <p>Like politics, religion is a hot-button topic. It's extremely easy for a casual comment to negatively affect our professional opportunities. Assume nothing about the religious beliefs of those around you, exercise a high level of political correctness, and keep your personal beliefs out of the workplace. (See also: <a href="http://www.wisebread.com/5-things-never-to-bring-up-in-a-job-interview?ref=seealso">5 Things Never to Bring Up in a Job Interview</a>)</p> <h2>9. Health Problems</h2> <p>Ideally, every workplace would be filled with compassionate team members genuinely concerned about each other's well-being. Sadly, that's not the case. Discussing ongoing medical issues at work may garner some sympathy and even a more flexible schedule. Still, it comes with its own set of risks. Managers tend to offer new projects and promotions to folks who they believe can handle the extra responsibility, workload, and associated stress.</p> <h2>10. Obsessions</h2> <p>Revealing a bit about ourselves and our personal interests can help build stronger work relationships. Still, there's a fine line between mentioning a hobby and endlessly talking about a time-consuming obsession. Being too focused on personal pursuits may lead employers to think that your career is a third or fourth priority.</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/10-personal-issues-no-one-at-work-needs-to-hear">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/6-career-moves-youll-never-regret">6 Career Moves You&#039;ll Never Regret</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-stay-focused-at-work-despite-your-chatty-coworkers">How to Stay Focused at Work Despite Your Chatty Coworkers</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-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-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/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> </ul> </div> </div> </div> </div><br/></br> Career Building General Tips career communication job tips office etiquette personal information personal life private matter TMI Tue, 11 Oct 2016 10:00:12 +0000 Kentin Waits 1810476 at http://www.wisebread.com