Career Building http://www.wisebread.com/taxonomy/term/4814/all en-US 10 Things to Bring Up With Your Boss at Your Annual Review http://www.wisebread.com/10-things-to-bring-up-with-your-boss-at-your-annual-review <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-things-to-bring-up-with-your-boss-at-your-annual-review" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-516336973.jpg" alt="bring up these things at your annual review" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Every year, you will have that one meeting that can have a massive impact on your career, your finances, and your future. It's your annual review. While some people see it as a necessary evil, or approach it as &quot;going through the motions,&quot; it should be thought about carefully. What you say can make all the difference.</p> <h2>1. Talk About Your Achievements Over the Past Year</h2> <p>Your boss may already know all the great things you've done. However, they may also be too busy to know everything you've done, or your level of involvement in the projects you took part in. This is your time to shine, and to give your boss the ammunition needed to give you a raise or a promotion. Don't just talk about the things you were assigned to do. Mention the projects you did on your own, or the initiatives you spearheaded. If there were significant financial benefits to the company, or great PR came from something you did, bring all that to the conversation. You want to take this time to show just how invaluable you really are.</p> <h2>2. Focus on You, Not on Others</h2> <p>Unless you work for some kind of utopia, you'll be surrounded by a mixed bag of people. Most will be great, and you'll get along well with them. Some, however, will be a constant thorn in your side. They may take the credit for things you've done. They may be lazy, or incompetent. They may suck up to the boss, or leave early every day. It doesn't matter. This is your review, and it's about <em>you</em>. If you turn this into a whining session, you will not look good. If the person in question is as bad as you know them to be, it will all come out&hellip; probably during his or her review. And if it doesn't, well, find the time to talk it over with the boss later. But your review &mdash; that's all about you, not your worst enemy. Similarly, don't <a href="http://www.wisebread.com/10-things-your-boss-wishes-you-knew" target="_blank">tell the boss</a> what he or she did wrong over the last year, and never use this time to pour scorn on the company. You're looking for a raise or a promotion. That is unlikely to happen if you are biting the hand that feeds you.</p> <h2>3. Ask How You Can Be Even More Help to the Company</h2> <p>The phrasing on this one has to be correct. You don't want to sound like there's lots of room for improvement in your performance. But, showing a willingness to do more, work harder, and take on extra projects will always go down well. Do some preparation and see where you could fill some holes. Ask your boss if you can help bring other departments up to par with your own (assuming you're rocking it). Find out what the boss wants to improve upon, and be proactive. If there's one thing a company likes more than a model employee, it's a model employee who takes the initiative.</p> <h2>4. Be Careful What You Ask For</h2> <p>You may have worked late nights and weekends all year long. You may well have saved the company millions of dollars, or landed a cherry account. All of this will be covered over the course of your actual review. By pushing the issue of more money, and a raise in position, you're moving out of the go-getter category, and into the greedy one. You'll be viewed as entitled, or worse, only in it for the money and ladder-climbing. If the subject comes up naturally, you can of course take the boss's lead, and mention that you are ready for more responsibility. Promotions come with raises, so you don't need to talk about dollars yet. And in most companies, significant raises are not given without a promotion anyway.</p> <h2>5. Ask Questions and Be Conversational</h2> <p>Annual reviews can be tough on the boss. If he or she has a lot of people to see, it can be a daunting task. So doing a review with someone who won't speak until they are spoken to, and gives one word answers, is no fun at all. This is your chance to really get into the review, and make it more of a give and take than a one-way street. Ask questions about the direction the company is going, or what you can do to make the boss's life easier. Get chatty, without getting too nonchalant or blasé. This will leave a lasting impression on your boss.</p> <h2>6. Don't Let Your Requests Seem Like Threats</h2> <p>Saying you will quit unless things are changed in your favor &mdash; that's a threat. And it can go down in a few ways. If you are incredibly valuable to the company, and at the current time are irreplaceable, your demands may well be met. But, you will be viewed differently after the fact, and no boss or company likes to be held over a barrel. They will be making plans to replace you in the long term.</p> <p>However, most of the time, you just won't get your own way by making threats. And you have to be ready to get your bluff called; if it is a bluff, of course. If you say you will leave unless you get X, Y, and Z, and those demands are not met, you only have two options: leave, or look foolish. Are you ready for either of those outcomes?</p> <h2>7. Ask for Clear Goals for the Future</h2> <p>An annual review is there not just to look over the past year, but to set career goals for the year ahead. It's a way of saying, &quot;If you do all this, and more, you can expect good things at your next review.&quot; So don't let those goals be vague, or go unaddressed. As the meeting starts to wrap up, ask for specific goals for the next year that you can write down. After the meeting, email them to the boss, and if need be, HR. When your next review comes around, and you have done more than what was asked of you, you will have great ammunition for a raise and promotion.</p> <h2>8. Be Wary of Too Much Honesty</h2> <p>Remember that this is a review, and not a conversation with a friend. Don't say that you're &quot;bored&quot; or that you're &quot;doing the bare minimum.&quot; Being bored is on you. Doing only the bare minimum is also on you. You are an adult, and you can influence the kind of work you do. There is always the chance to take on more work, create new initiatives, or find ways to make your department grow. If you're bored, you're simply not trying. By indicating you have lost interest in your job, you are telling your boss to go out and find someone who would kill to be in your shoes. The boss wants an enthusiastic, driven employee. If you are beyond saving, why not give that role to someone who genuinely wants it? Instead, use this time to ask for more responsibility, or bring up new ideas. You'll look like a go-getter.</p> <h2>9. Accept Full Responsibility for the Things You Did Wrong</h2> <p>You're not a kid in middle school. You cannot say, &quot;I didn't do that&quot; or &quot;But that wasn't really my fault.&quot; As an adult employee, you have to own your mistakes, and show that you have learned from them. If you missed a deadline, admit it. But explain how you will do things differently to ensure it never happens again. If you cost the company money, or a sale, tell the boss why it happened, and what you have learned from it. As Thomas Edison famously said, &quot;I have not failed&hellip; I've just found 10,000 ways that won't work.&quot; You can turn any of these negatives from the past year into avenues for personal growth that will benefit you, the boss, and the company.</p> <h2>10. Maintain a Positive Attitude</h2> <p>You may have had one a heck of a bad year. The tension between you and the boss may be so thick that it fills the room. However, your attitude needs to be positive, and you should be genuinely interested in what you can do to make things right. Saying &quot;Wow, I have <em>so, so</em> been looking forward to this,&quot; sarcastically is not going to do you any favors. You will set the wrong tone for the rest of the review, and nothing good will come of it. Use this as a chance to clear the air in a way that makes you both feel like progress has been made.</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/10-things-to-bring-up-with-your-boss-at-your-annual-review">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-to-rekindle-passion-for-your-job">12 Ways to Rekindle Passion for Your Job</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/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/5-times-you-should-demand-a-raise">5 Times You Should Demand a Raise</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-never-to-bring-up-in-a-job-interview">5 Things Never to Bring Up in a Job Interview</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building annual review career goals career tips job tips work work etiquette Thu, 12 Jan 2017 10:30:33 +0000 Paul Michael 1872419 at http://www.wisebread.com 5 Smart Ways to Prepare for a Job Leave http://www.wisebread.com/5-smart-ways-to-prepare-for-a-job-leave <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-smart-ways-to-prepare-for-a-job-leave" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/father_son_baby_505122600.jpg" alt="Man finding smart ways to prepare for a job leave" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You may be looking to take some time off from work to stay home with your children. Or perhaps you have a new business venture you'd like to get after.</p> <p>Leaving the traditional workforce is something people do for a variety of reasons. I left my 9-to-5 a little over five years ago to stay home with my daughter. It was a big transition, both personally and professionally. I can tell you firsthand, though, that if you're smart about it &mdash; it may be one of the best moves of your life.</p> <h2>1. Make a Budget</h2> <p>If you don't already have a budget, make one &mdash; today. It's incredibly important before you take a job leave to understand how much money you have, where it's going, and how you'll deal once you don't have a steady paycheck coming in. Making a budget can be an enlightening or frightening process, but you definitely want to look before you leap into the financial unknown.</p> <p>To start, write out exactly how much money will be coming in after you leave your job. Then write out how much money goes out between fixed expenses (housing, student loans, car payments, etc.) and variable expenses (groceries, entertainment, clothing, travel). Don't forget big items like health care, either. After that, you can look for opportunities to cut your budget for the big change. (See also: <a href="http://www.wisebread.com/build-your-first-budget-in-5-easy-steps?ref=seealso">Build Your First Budget in Five Easy Steps</a>)</p> <p>While you're at it, try saving as much as you can and building an emergency fund. My husband and I actually spent a good part of the year before I left my job trying to live within the budget we'd need after the baby. Any money we saved in the meantime went directly into our bank account.</p> <h2>2. Get Introspective and Creative</h2> <p>Leaving your job may mean making some pretty tough sacrifices. Maybe you won't be able to buy new cars or go on vacation. Maybe you'll need to stop eating out or even downsize your home. There will likely be days when you will ask yourself: &quot;Why am I doing this again?&quot;</p> <p>Having a long, hard talk with yourself (or several) will help you solidify the motivations for your leave. They will become stronger and stronger in your mind. Sure, you may hit some difficult or tricky times, but if you are passionate about the reason, you'll have the perseverance to continue on and figure out solutions.</p> <p>If you're feeling on the fence about it all, you may want to get creative. Meet with your HR department to explore other opportunities. Maybe you could scale back to working part-time. Maybe your department offers a more flexible schedule. Or maybe there are other jobs in your community that would afford you the time you're looking to gain.</p> <h2>3. Practice, Practice, Practice</h2> <p>After chatting with HR, I discovered that the university where I used to work offered up to eight months of unpaid child care leave. Before I decided to quit my job for good, I let my boss know that I wanted to take the maximum amount of leave. During this time off, our family continued to practice what life would be like &mdash; and what our budget would be like &mdash; without my paycheck. It wasn't a totally easy transition.</p> <p>For example, within the first month of my leave, our furnace died. It was the dead of winter, so we had to dip deep into the emergency fund earlier than expected. A few months after that we had a major roof leak. This is where our savings and budgeting really came into play.</p> <p>In the end, we realized that we would be fine because we had planned for these types of minor disasters. I had moments of doubt, though, and I was thankful to know that I had a job waiting for me if I needed it. Find out what type of temporary leave options are available to you. A trial run is a wonderful opportunity to see if your plans will work out in real life. Think of it as a pair of training wheels.</p> <h2>4. Leave on Good Terms</h2> <p>Even if you hate your job, you don't exactly want to leave burning all your bridges in the process. Of course, you may find yourself with a boss who doesn't completely understand or support your decision. And that's okay. What you can do, though, is to ease the transition for everyone involved as much as possible. That will help you leave on the best of terms.</p> <p>Give your boss plenty of notice before your leave. You may even want to, as I did, ask if you might return to your workplace in the future. Though my boss wasn't thrilled to be losing a dependable worker, he ultimately understood and respected my reasons for leaving.</p> <p>I left scrupulous notes for my replacement, organized all my digital and paper files, and even offered to be available for a short while if anyone had questions. On my last day, we shook hands and I felt confident &mdash; and still do &mdash; that I could apply for future positions.</p> <h2>5. Keep Your Toes Dipped</h2> <p>When I left my job, I wasn't totally sure how long it would work out. On paper, things were looking good. In practice, well, we kept hitting some financial roadblocks. I knew I wanted to stay home with my daughter, but I also knew that bringing in some money would be helpful. Keeping my resume and skills relevant was another important thing to me.</p> <p>That's when I started looking around for freelance writing work. Some of my friends were working on different gigs, so I reached out to them. Networked. I asked tons of questions and even got some leads on jobs. In the years since, I've worked at home anywhere between five and 30 hours a week. I've had a lot of situations in my life where I've needed to scale back or almost entirely from freelancing. Still, I have these jobs on my resume.</p> <p>I'm keeping current. (And I'm enjoying it, too!) Even if you don't want to actually work during your time off, you can volunteer. You can absolutely include volunteer work on your resume. Experience is experience. And the great thing about volunteering is that you can often put it on your own schedule.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/ashley-marcin">Ashley Marcin</a> of <a href="http://www.wisebread.com/5-smart-ways-to-prepare-for-a-job-leave">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-10"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-fun-books-that-will-get-your-kids-excited-about-money">10 Fun Books That Will Get Your Kids Excited About Money</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-personal-finance-resolutions-anyone-can-master">8 Personal Finance Resolutions Anyone Can Master</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-go-from-two-incomes-to-one">How to Go From Two Incomes to One</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/13-great-reasons-to-quit-your-job">13 Great Reasons to Quit Your Job</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-manage-your-money-during-a-spousal-separation">How to Manage Your Money During a Spousal Separation</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Family budgeting emergency funds extended leave job leave one income family quitting stay at home parent workforce Wed, 04 Jan 2017 10:30:33 +0000 Ashley Marcin 1867991 at http://www.wisebread.com How to Use the Holiday Quiet Time to Boost Your Career http://www.wisebread.com/how-to-use-the-holiday-quiet-time-to-boost-your-career <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-use-the-holiday-quiet-time-to-boost-your-career" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock-539452034.jpg" alt="using holiday quiet time to focus on your career" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Depending on your office's culture, it can become a barren wasteland starting right after Thanksgiving, and stay that way until after the New Year. Especially if your office is open the week between Christmas and December 31, it's completely common to find yourself as one of the few people in the office &mdash; if not the only one!</p> <p>And while bingeing on Netflix or having chair races with the only other person in the office may sound appealing, office quiet time is a golden opportunity for you. The empty office gives you a chance to prepare for 2017 and build your skills. Instead of whiling away the hours on Candy Crush, try the following ideas to be productive.</p> <h2>Take a Course</h2> <p>Whether you want to learn how to code, dream of graphic design, or think mastering advanced Excel functions will help you in your current work, there are free and low-cost courses available to help you meet your goal.</p> <h3>Coursera</h3> <p><a href="http://click.linksynergy.com/fs-bin/click?id=g519OIyP0is&amp;offerid=467035.208&amp;type=3&amp;subid=0" target="_blank">Coursera</a> offers free classes from top universities like Yale, Harvard, and Brown in subjects like psychology, neuroscience, or fundamental programming concepts. While you cannot get credit for the classes you take, these are excellent resources for developing new skills.</p> <h3>Udemy</h3> <p>Similarly, <a href="http://click.linksynergy.com/fs-bin/click?id=g519OIyP0is&amp;offerid=323085.8&amp;type=3&amp;subid=0" target="_blank">Udemy</a> offers free classes, but they also have more in-depth classes with a fee, too. Udemy courses tend to be more niche-focused. If you want to learn about the latest in social media, such as how to use Periscope for brand promotion, or how to use Photoshop's editing features, Udemy offers many options and self-paced learning opportunities. While even Udemy's paid classes tend to be very affordable, if the lesson can be applied to your work, check with your manager to see if the company will cover the cost. Your initiative will show a good use of your time during the slow season.</p> <h2>Research Tools That Can Improve Your Work</h2> <p>During the busiest months, it can get so crazy you don't have a lot of time to research ways to streamline processes or make your job easier. So you stick to what you know and what works, even if it is inefficient. The slow weeks can be a great time to find new ways of doing business that can make your life simpler in 2017.</p> <p>There are many free or cheap tools available for every line of work. Below are just five free options that can help you in different industries, but there are hundreds of tools that can improve efficiencies and <a href="http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance?ref=internal">empower you to be more productive</a>.</p> <h3>Asana</h3> <p>If your company struggles to keep up with deadlines and track who is accountable for what, <a href="https://asana.com/" target="_blank">Asana</a> can be a gamechanger. Asana allows you to create tasks, assign people to each step, and set public deadlines. Asana is free for for teams up to 15 people, so it can be great for individual departments to stay on track and keep projects moving forward.</p> <h3>Canva</h3> <p>If you run social media pages, coming up with images for the different channels can be a major timesink. And if you have to wait on someone else to do them for you, that can make it difficult to capitalize on breaking trends. <a href="http://www.canva.com" target="_blank">Canva</a> allows you to create polished, professional-looking images in minutes, even if you have no graphic design training yourself. There's thousands of free templates, and while you can upload your own photos, they also offer stock photos for just $1.</p> <h3>FullContact Card Reader</h3> <p>Whether you work in sales, procurement, or marketing, gathering business cards is part of the job. And it's all too easy to accumulate a stack and forget about them, or lose them altogether. The <a href="https://www.fullcontact.com/cardreader/" target="_blank">FullContact Card Reader</a> scans the business card and saves the information to a designated place that you can organize and search. You can save up to 1,000 contacts with the free version.</p> <h3>HemingwayApp</h3> <p>If you're a writer, you'll enjoy <a href="http://www.hemingwayapp.com/" target="_blank">HemingwayApp</a>. Not only does it recognize typos and grammatical errors, but it also highlights bad habits like passive voice, excessive adverb use, and overly complicated sentence structure.</p> <h3>Written Kitten</h3> <p>Have you been delaying writing an email or starting on a sales report? Meet <a href="http://www.writtenkitten.net/" target="_blank">Written Kitten</a>, an utterly ridiculous free tool that may get you inspired. After you write 100 words, the site rewards you with an adorable picture of a kitten. Just don't allow yourself to cheat the system and start writing nonsense just to see the next cat.</p> <h2>Take Advantage of Your Time</h2> <p>It can feel like a real drag as the only person in the office. But this time of the year can be a fantastic chance to invest in yourself, learn new skills, and <a href="http://www.wisebread.com/10-productivity-tips-for-it-professionals?ref=internal">optimize your productivity</a>. Dress comfortably, load up your phone with great music, and try these courses and tools to set yourself up for a strong 2017.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/how-to-use-the-holiday-quiet-time-to-boost-your-career">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/the-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-go-to-college-to-learn">Don&#039;t Go to College to Learn</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-succeed-as-an-online-student">How to Succeed as an Online Student</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/15-easy-to-keep-new-years-resolutions-that-really-pay-off">15 Easy to Keep New Year&#039;s Resolutions That Really Pay Off</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-important-signs-that-your-job-sucks">10 Important Signs That Your Job Sucks</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Career Building education holiday break holiday vacation Holidays online classes productivity training Wed, 14 Dec 2016 11:30:08 +0000 Kat Tretina 1853788 at http://www.wisebread.com How to Use Glassdoor to Earn More Money http://www.wisebread.com/how-to-use-glassdoor-to-earn-more-money <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-use-glassdoor-to-earn-more-money" 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_computer_516895794.jpg" alt="Woman learning how to use Glassdoor to earn more money" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Ever get the feeling that your company isn't paying you enough? Job search and employer-review site Glassdoor is ready to give you the evidence.</p> <p>The site recently released the beta version of <a href="https://www.glassdoor.com/Salaries/know-your-worth.htm">Know Your Worth</a>, an online tool designed to help employees determine if they are indeed being underpaid. Glassdoor officials say that workers can use this tool not only to determine whether they are being paid fairly for their work, but as inspiration to <a href="http://www.wisebread.com/12-questions-to-ask-before-you-take-a-job-offer">ask for raises or hunt for better jobs</a>.</p> <p><span style="color: rgb(17, 17, 17); font-family: georgia; font-size: 1.5em; font-weight: normal;">How Does It Work?</span></p> <p>The service is free, though you do need an account with Glassdoor. Fortunately, this is free, too. Once you've created your account, Know Your Worth will ask for some basic information: your job title, the name of your employer, your salary, and the location of your office. You'll also have to provide your education level, the college from which you graduated, and your birth date.</p> <p>Once you plug in these numbers, Know Your Worth will tell you whether you are being underpaid based on your value in today's jobs market. The tool will also tell you by how much you are being underpaid.</p> <p>In a news release, Glassdoor said that it relies on the millions of salary reports that the site has collected over the years. The site also analyzes real-time supply and demand trends in specific job markets.</p> <h2>How Accurate Is the Site?</h2> <p>That's hard to say, as it's still in beta mode. In a test run, Know Your Worth reported that a hypothetical editor of a trade magazine in Chicago making $50,000 was about $5,900 underpaid.</p> <p>Know Your Worth, though, is a good starting point for employees who are wondering if they are underpaid. In its news release, Glassdoor reported that 65% of employees wish that they had a better grasp of whether they are being paid fairly.</p> <h2>What Next?</h2> <p>What happens if you run Know Your Worth only for it to say that you are being underpaid by $10,000? First, know that the tool is just an estimate, and that it might not accurately reflect your exact situation. Secondly, don't just get angry or depressed by the numbers that Glassdoor's tool spits back at you. Resolve to do something about it.</p> <p>Your first step might be to ask your current employer for a raise. To increase your odds of success, though, do this right. Don't just march into your boss' office. Instead, set up an appointment with the people who actually have the power to boost your salary. And prepare for this meeting.</p> <p>You can reference the Glassdoor numbers, and you should bring a copy of them to your meeting. But don't rely on those figures entirely. You also need to create a compelling argument for why you deserve a raise.</p> <p>Have any of your initiatives or projects that you spearheaded resulted in a boost in your company's bottom line? That's important information to bring up. Are you doing the work of several people because your company has yet to fill open positions it created way back during the country's economic downturn? Mention that, too.</p> <p>The key to negotiating a higher salary is to provide concrete examples of your worth to the company. If you've led successful rollouts of new products or services, this is important to highlight. If you've built the top-producing sales team in your company, share that knowledge.</p> <h2>What If Your Negotiations Fail?</h2> <p>What if, after presenting Glassdoor's numbers and the concrete evidence of your worth to the company, your employer refuses your request for a raise anyway? It can happen. Your bosses are not under any obligation to pay you more, even if you clearly deserve a pay bump.</p> <p>You then have only two options: You can remain at your job, without sulking about what you feel is a salary that is too low, or you can hunt for a new, better-paying one. This last option? It might be better for your mental health.</p> <p>People don't want to work in an environment in which they feel underappreciated. If you feel that you deserve a better salary, and it's clear that you won't earn it at your current job, the time is right to start searching for a more fulfilling position.</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/how-to-use-glassdoor-to-earn-more-money">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-2"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-high-paying-jobs-that-didnt-exist-10-years-ago">9 High-Paying Jobs That Didn&#039;t Exist 10 Years Ago</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-not-to-answer-10-of-the-most-common-interview-questions">How NOT TO Answer 10 of the Most Common Interview Questions</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-words-to-never-use-in-a-job-interview">10 Words to Never Use in a Job Interview</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-dream-jobs-youre-never-too-old-to-pursue">9 Dream Jobs You&#039;re Never Too Old to Pursue</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/check-out-these-5-legit-mystery-shopping-gigs">Check Out These 5 Legit Mystery Shopping Gigs</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting finding a new job glassdoor job board job hunt job review site job search make more money salary Thu, 08 Dec 2016 12:00:06 +0000 Dan Rafter 1849885 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-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/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 New Job? Don't Make These 7 Mistakes With Your Benefits http://www.wisebread.com/new-job-dont-make-these-7-mistakes-with-your-benefits <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/new-job-dont-make-these-7-mistakes-with-your-benefits" 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_77096849.jpg" alt="Woman making mistakes with new job benefits" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>In September 2016, total nonfarm payroll employment in the U.S. <a href="http://www.bls.gov/news.release/empsit.nr0.htm">rose by 156,000</a>. If you were among those Americans who recently landed a new gig &mdash; or plan on landing one within the near future &mdash; congratulations! But as you get your benefits and retirement planning set up at your new workplace, don't make these seven mistakes.</p> <h2>1. Not Setting Up Your New Retirement Account Before December 31st</h2> <p>Make to sure to set up your new employer-sponsored retirement account before December 31st. Otherwise, you won't be able to reduce your 2016 taxable income by making contributions before Tax Day (April 17th, 2017) or the day you file your federal tax return, whichever is earlier. If you wait until the new year to set up your retirement account, any contributions made before Tax Day will reduce your 2017 taxable income &mdash; and you'll lose the opportunity to reduce your 2016 AGI (Adjusted Gross Income) by any contributed amount.</p> <h2>2. Not Completing a 401K or IRA Indirect Rollover</h2> <p>If you had a balance of less than $5,000 in your previous job's 401K or IRA plan, there is a good chance that you received an automatic cashout with a 20% withholding from your employer for applicable taxes. From the last day of your employment, you have 60 days to put the entire balance of the previous retirement account (including the mentioned 20% withholding!) into a new employer-sponsored retirement account that accepts rollovers. This process is known as an indirect rollover.</p> <p>You'll get that 20% withholding money back from the IRS in next year's tax return. In the event that your new employer's retirement account doesn't accept a rollover from your previous account, consider opening an IRA with a local financial institution before the 60-day deadline. (See also: <a href="http://www.wisebread.com/a-simple-guide-to-rolling-over-all-of-your-401ks-and-iras?ref=seealso">A Simple Guide to Rolling Over All of Your 401Ks and IRAs</a>)</p> <h2>3. Leaving W-4 Forms Alone</h2> <p>Depending on a variety of factors, your old W-4 tax withholdings may not cut it at your new gig. To figure out whether you're withholding too much (or too little), grab all of your latest pay stubs, find a copy of last year's tax return, and visit the online <a href="https://www.irs.gov/individuals/irs-withholding-calculator">IRS Withholding Calculator</a>.</p> <p>After punching in your data, this tool will provide recommendations on how to adjust your W-4 with your new employer to make sure that you meet your tax liability and minimize your refund. There's no sense in over-withholding and expecting a large refund, since the IRS doesn't pay interest while it sits on excess withholdings. That's money better kept in a savings or retirement account, where it can gain interest and compound over time.</p> <h2>4. Missing the Deadline to Make an Additional Estimated Tax Payment</h2> <p>If the IRS Withholding Calculator were to tell you that you're seriously behind your tax liability, you'll probably need to make amends <em>pronto, </em>lest you end up owing Uncle Sam at tax time. It's to your benefit to make an additional estimated tax payment to reduce or eliminate such a liability. For example, in the event that you know that there is an end-of-year bonus or commission check arriving before January 17, 2017, you have the option to use part of that check to make an estimated tax payment with <a href="https://www.irs.gov/pub/irs-pdf/f1040es.pdf">Form 1040-ES</a>.</p> <p>Make sure to use the IRS Withholding Calculator to estimate the right amount to mail to the IRS with Form 1040-ES and keep a photocopy of both the form and check for your own records.</p> <h2>5. Not Enrolling in a New FSA Plan Within 30 Days</h2> <p>You have up to 30 days from your hire date to enroll in an employer's flexible spending account (FSA). If you miss that deadline, you'll have to wait until your company renews its FSA plan, your plan administrator announces an open enrollment period, or you have a qualifying life event, such as changing marital status or having a baby.</p> <h2>6. Forgetting About Balances in Previous FSA Accounts</h2> <p>You may be so busy training at your new job and completing paperwork that you forget about remaining benefits at your previous employer. Check the rules from your previous FSA account regarding the expiration date of available money once you separate from your old employer. Most FSA plans provide a grace period to use the money, but some of those deadlines may be as early as the end of the month in which you separate from your employer. Unless you use your FSA funds in full by the applicable deadline, you'll lose them all.</p> <h2>7. Going More Than Two Months Without Health Coverage</h2> <p>As you're transitioning from one job to the other, keep an eye on the start and end dates of previous and current health plans. Under the Affordable Care Act (ACA), better known as Obamacare, you owe a fee for any period greater than two months in which you, your spouse, or your tax dependents don't have qualifying health coverage. In most cases, the penalty fee is 1/12 per month of <a href="https://www.healthcare.gov/fees/fee-for-not-being-covered/">2.5% of your household income</a> or $695 per adult, whichever is higher.</p> <p>Being uncovered for only one to two months, qualifies you for a <a href="https://www.healthcare.gov/exemptions-tool/#/results/2015/details/short-gap">short gap exemption</a> and you're not liable for the fee. Find out whether or not you're able to claim a health coverage exemption with <a href="https://www.healthcare.gov/exemptions-tool/#/">HealthCare.gov's Exemption Screener</a>.</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/new-job-dont-make-these-7-mistakes-with-your-benefits">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-7"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/still-without-health-insurance-here-s-how-much-the-penalties-will-cost-you">Still Without Health Insurance? Here’s How Much the Penalties Will Cost You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-health-insurance-benefits-youre-probably-not-using">6 Health Insurance Benefits You&#039;re Probably Not Using</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/left-a-job-do-a-rollover">Left a job? Do a rollover.</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-vital-things-to-remember-when-buying-health-insurance">5 Vital Things to Remember When Buying Health Insurance</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/going-without-health-insurance-in-2015-heres-what-itll-cost-you">Going Without Health Insurance in 2015? Here&#039;s What It&#039;ll Cost You</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Insurance Retirement 401 k affordable care act benefits employers flexible spending health care IRA medical insurance new job obamacare rollovers taxes Mon, 31 Oct 2016 10:00:07 +0000 Damian Davila 1822947 at http://www.wisebread.com How to Launch Your Second Career http://www.wisebread.com/how-to-launch-your-second-career <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-launch-your-second-career" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_80656757_MEDIUM.jpg" alt="how to launch a second career" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The decision to re-enter the workforce, or switch industries, is not one that can be taken lightly. Maybe you're trying to make more money to support your family, or earn extra cash in retirement to fund vacations and create a better standard of living. Perhaps you've been a stay-at-home parent who now has the opportunity to get back into a career, or you simply want to learn something new, interact with people, and feel challenged.</p> <p>Whatever your motivation, acting on that decision to launch a second career can be overwhelming. Can you go back into the job you once had, or has it significantly changed since you left it. Are you ready to <a href="http://www.wisebread.com/5-unexpected-side-benefits-of-your-side-hustle">start a new career</a>? Do you even have the time and money to do so? Before you dive in, here's some advice to guide you through this tricky time.</p> <h2>Adjust Your Expectations</h2> <p>Technology has changed quickly, and the job skills you possessed before may be considered obsolete now. Picking up right where you left off may not be possible, so take a step back and carefully examine your skills, and the current state of the industry. If you were working in a field that has undergone little-to-no change over the years, such as tailoring or baking, you should have no problem adjusting. But if you were in advertising, medicine, IT, engineering, or finance, you could find the radical changes in the industry will severely hinder your usefulness to an employer. Retraining, and even working for free to gain experience, will be invaluable.</p> <p>In the case of a second, new career, even though you have matured and you believe you have more to offer, that doesn't translate well to an employer. It's not enough to have &quot;quick learner&quot; on your resume. Expect and accept that in order to go forward, you will almost certainly have to retrain and acquire new skills before you can even think of submitting a resume.</p> <p>While you're working on that, find a job &mdash; any job &mdash; that can get you back into the workforce. Not only is this incredibly helpful at re-acquainting you with a daily routine, and working with others, but it also puts something solid on your resume. Someone who is actively employed, and gaining experience, is more appealing to a future employer than someone who is &quot;waiting for the ideal opportunity.&quot;</p> <h2>Realize It's Never Too Late to Change</h2> <p>Entering a new field might be scary because you feel you are competing with the younger crowd. Sure, you may have regrets about not switching gears sooner, but let that go. It's not too late. In fact, it's never too late. If you have the drive, the enthusiasm, and the fortitude, you can make a go of it regardless of your age.</p> <p>And here's something else to ponder. If you had entered a new career years ago, it may not have been the right time for you. You may not have had the right level of maturity, or the industry could have been in turmoil (imagine switching to real estate just before the subprime mortgage collapse). The time you have spent between your last day on the job and re-entering the workforce has given you perspective, experience, and wisdom. Let it work in your favor.</p> <h2>Consider If Your Hobby Can Become a Business</h2> <p>It's a question many people ask themselves when they are considering a career change. That thing you love doing in your spare time &mdash; can it become your main source of income? Usually, hobbies require an investment of time and money, so turning that into a moneymaker could be a losing proposition. Even if your particular hobby creates something that is in great demand, do the costs of the materials and the time it takes to create it make financial sense? You will need to crunch the numbers and see if scaling the operation into a full-time venture is possible. And remember, most new businesses see little-to-no profit during the first few years, so even if it's in the cards, you'll need another source of income in the meantime.</p> <h2>Look for Something That Fulfills You</h2> <p>Many people leave high profile jobs with the hope of doing good and helping others. It may result in less pay and benefits, but the rewards far outweigh the financial setback. For example, a journalism professor in a local university in Colorado used to write for the <em>NY Times</em>, and <em>Fortune</em> magazine. He gave that up to teach others what he knows, trading the tight deadlines and stress for a career in education. And as his students will tell you, they have never met a more fantastic and enthusiastic teacher or mentor. If you already have a bachelor's degree, and something like this inspires you, remember that you can get a master's degree. You, too, could go into teaching. If not teaching, what else inspires you? Is it working with sick animals? Pursue a dream, if you can.</p> <h2>Take a Class or Two to Brush Up Your Skills</h2> <p>This scares a lot of people off, but it shouldn't. You don't have to enroll in college. Community centers, libraries, and other adult learning centers offer a wide variety of classes &mdash; many of them free &mdash; to brush up on skills, learn computer programs, or to start your own business. This also looks great on your resume, and demonstrates to potential employers that you're being active about getting back in the game.</p> <h2>Ask Yourself If a New Career Even Possible Right Now</h2> <p>This is a tough question to ask yourself, but it's a crucial one. After everything you have read, you must consider your options, and the reality of the marketplace. Is this the right time for you to switch careers, or re-enter the workforce? Do your research. Ask friends and colleagues who are out there making a living in those areas you're interested in. And while you take all that in, it's very possible you may have to remain in your current profession, or one closely related to it, for a little while longer. It's a good way to use contacts to open doors for other opportunities in the future.</p> <h2>See Your Break as a Blessing</h2> <p>Your potential new employer may appreciate the fact that you're coming into their business with a fresh perspective, instead of comparing the way they do business to the way your previous employer did. You're excited to learn everything you can because this is truly a fresh start that can change your life in many ways. You will meet new people and develop new skills. It's an exciting time that should be embraced, and how often do we get the chance to really start over?</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/how-to-launch-your-second-career">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/17-part-time-jobs-to-do-while-your-kids-are-at-school">17 Part-Time Jobs to Do While Your Kids Are at School</a></span> </div> </li> <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-you-can-earn-18-to-25-an-hour-with-amazon-flex">How You Can Earn $18 to $25 an Hour With Amazon Flex</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-earn-extra-income-with-twitter">How to Earn Extra Income With Twitter</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-i-learned-about-money-after-i-went-freelance">7 Things I Learned About Money After I Went Freelance</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-make-400-a-week-as-a-pet-sitter">How to Make $400+ a Week as a Pet Sitter</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Extra Income career transition launch your career second career side hustle side job Mon, 24 Oct 2016 09:30:24 +0000 Paul Michael 1818052 at http://www.wisebread.com 12 Ways to Rekindle Passion for Your Job http://www.wisebread.com/12-ways-to-rekindle-passion-for-your-job <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-ways-to-rekindle-passion-for-your-job" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_73237551_MEDIUM.jpg" alt="rekindle passion for your job" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Not loving your job, or even hating it, seems to be a part of life these days. Drew Carey once said, &quot;Oh, you hate your job? Why didn't you say so? There's a support group for that. It's called everybody, and they meet at the bar.&quot;</p> <p>Some people are lucky, and always love their jobs, but most of us love it for a while, before forgetting its highlights and focusing on its flaws. However, your current job doesn't have to be a drag. All it takes is a paradigm shift.</p> <h2>1. Write Down the Good Parts of Your Day</h2> <p>There is good and bad in everyone, and in every day. Even on the days that result in you getting home with a scowl on your face, drinking a double scotch, and pulling out your hair for two hours, something good must have happened. True, it may be hard to find, but try and dig.</p> <p>Make a log, on your computer or in a journal. Perhaps a coworker gave you a compliment. Maybe you had a really tasty bagel on the way to work. Or, was the sun shining as you walked from the car or train to your office? When it's something much bigger, like working in a project you really enjoyed, log that in detail. As you look back over your weeks, and months, you'll see a record of enjoyment. That can help make the negative feelings go away.</p> <h2>2. Hang Out With People That Make You Happy</h2> <p>People at work can be a great source of happiness. In fact, all those times that you laughed at work, or felt happiness, most likely came from your interactions with other people. So, find ways to interact more with the people that make you feel good about yourself. And conversely, avoid the people who drag you down. That guy who never has anything good to say about the job, or anyone else, is not going to make you feel great. But the one who lifts your spirits can bring you into a different attitude quickly. Stick with the positive ones.</p> <h2>3. Compare Your Job to One That Sucks</h2> <p>We measure our misery or success by those around us. While you may think you have a job that stinks, do a little digging, and find out what jobs really do suck. You may hate what you do now, but would you rather be doing something demeaning for minimum wage? (And if the answer is yes to that one, maybe you really do <a href="http://www.wisebread.com/9-careers-you-dont-need-a-ton-of-experience-to-start">need to move on</a>.) Some people in other countries are risking death for barely enough money to feed and clothe themselves. How does your job stack up? If you're still complaining about monotonous data entry, or not having the complete respect of your peers, it may be time to rethink your outlook.</p> <h2>4. Remember What Your Job Allows You to Do</h2> <p>So most of the time, the job is awful. However, what does it allow you to do that isn't awful? Maybe it's the two-week vacation you took to a tropical island. Perhaps it helped pay for the Harley Davidson parked in your driveway, or season tickets to see your favorite sports team. Yes, while your job may not make you happy, it provides the income and security to bring wonderful things into your life.</p> <h2>5. Find the Positive in the Little Things</h2> <p>Looking at the big picture isn't always the best strategy. You have to find joy in some of the smaller aspects of your day-to-day routine. Maybe it's the fact that you get to sit down, put your feet up, and drink coffee a few times a day. Hey, you get paid for it. That's nice. Maybe it's even smaller than that. Your chair felt really comfy, or you got a great parking spot. You don't have to concentrate on the whole day, or the big issues. Find something small, each day, to be thankful for.</p> <h2>6. Take Moments Just for Yourself</h2> <p>Even at work, you can have some &quot;me time.&quot; Employers are required to give you adequate work breaks. Take that time to switch off, completely. That means go outside, walk around, read a book, close your eyes and listen to music, or meditate. It may not always be possible to do that, depending on what you do and where you work, but there should always be an opportunity to find a moment of peace in the daily grind.</p> <h2>7. Ignore What You Cannot Change</h2> <p>You'll often hear people worrying about things that are, to be blunt, completely out of their control. The easiest way to deal with these problems is to shut them out. If layoffs are coming, you will not have any control over that situation, so ignore it. By all means, prepare for the worst, but get on with your day. If the company has a system in place that you blatantly disagree with, but cannot change, then forget about it. If you cannot change something, you are giving it way too much energy by obsessing about it. You'll feel much happier if you accept what is beyond your control.</p> <h2>8. Fix What You Can Change</h2> <p>There may be things in your company that you cannot control, but there are also things you can definitely impact. If you hate the way your office space is set up, see what you can do to change it. Are your hours flexible? Can you get the awful coffee replaced with a better brand? Can you talk about dress code, or suggest new methods of doing things that will save people time? You are never going to change the way the CEO does business, but you may be able to change his mind on having plants in the building, or endorsing &quot;bring your kids to work day.&quot;</p> <h2>9. Get Really, Really Organized</h2> <p>A lot of the stress we encounter in our daily routine comes from a lack of organization and preparation. Too often, we can leave ourselves too little time to get a certain task done. We may rush to work, have a messy office, or miss appointments. Get around this by organizing, and using the latest apps for your smartphone. You can set reminders that take the worry out of a daily schedule. You can log the names and important information about all of your clients and colleagues. Everything can be setup to work smoothly, and with more organization comes less stress, and a better outlook on the job.</p> <h2>10. Take Significant Time Off If You Can</h2> <p>If you really are just completely burned out, get away from it all. Some people, especially in America, are afraid to take time off. They say it looks bad, or they might not be seen as indispensable. There is simply no excuse not to take time off, especially if it drastically changes your attitude. If you have a few weeks of vacation saved up, take them. Even if it's just to stay at home, you need to escape. If you have sick time, use it to heal your mind. And if things have become really bad, <a href="https://www.dol.gov/whd/fmla/">look into FMLA.</a> You can take up to 12 weeks off, every year, and your job will be protected. You will be covered if it's a serious health condition, and <a href="http://thelawdictionary.org/article/what-are-employees-right-to-stress-leave/">depression or stress can be debilitating.</a></p> <h2>11. Find Ways to Take on New Responsibilities</h2> <p>If the daily grind is wearing you down, find something new to do at work. Some factories do this as a way to prevent burnout, rotating people to different stations after a few hours to avoid a lack of concentration, and to keep accidents from happening. If you're always working on the same old stuff, see what you can do to shake things up. Can you swap roles with someone? Can you take on a new task? Can you create a new initiative? You would be surprised how much a change is as good as a rest.</p> <h2>12. Quit Being a Complainer</h2> <p>At the end of the day, your own attitude about your job can drag you down. Henry Ford, among others, said, &quot;Whether you think you can, or you think you can't &mdash; you're right.&quot; Attitude can be the difference between seeing an opportunity for success, or something destined to fail. Complaining also brings others down around you. And that, in turn, can feed into morale issues and bad company culture. So, cheer up. Look at the list above, and find ways to change your outlook. You can bring a spark back to your career that could ignite something huge.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/12-ways-to-rekindle-passion-for-your-job">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/10-things-to-bring-up-with-your-boss-at-your-annual-review">10 Things to Bring Up With Your Boss at Your Annual Review</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-pearls-of-career-wisdom-from-brian-tracy">6 Pearls of Career Wisdom From Brian Tracy</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-get-the-job-without-saying-a-word">How to Get the Job Without Saying a Word</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-stay-focused-at-work-despite-your-chatty-coworkers">How to Stay Focused at Work Despite Your Chatty Coworkers</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building advice career tips job hunting job search job tips passion pursue your passion work Thu, 13 Oct 2016 10:30:07 +0000 Paul Michael 1811798 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/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-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-write-a-resume-12-steps-to-your-next-job">How To Write A Resume: 12 Steps To Your Next Job</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-career-moves-youll-never-regret">6 Career Moves You&#039;ll Never Regret</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-to-bring-up-with-your-boss-at-your-annual-review">10 Things to Bring Up With Your Boss at Your Annual Review</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 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 How to Stay Focused at Work Despite Your Chatty Coworkers http://www.wisebread.com/how-to-stay-focused-at-work-despite-your-chatty-coworkers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-stay-focused-at-work-despite-your-chatty-coworkers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_56884786_MEDIUM.jpg" alt="staying focused at work despite chatty coworkers" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Are your coworkers engineers of interruption? Champions of chat? Agents of endless amusement? Don't let them derail your day. With a few simple strategies, you can stay focused at work without offending your cube-hopping coworkers. Here are eight smart ways to beat the masters of distraction.</p> <h2>1. Tell the Truth</h2> <p>Don't feel obligated to engage a chatty coworker. Instead, develop tactful ways to communicate just how focused you are (and how focused you'd like to stay). Go-to phrases like, &quot;I'm really in the zone right now. Can we catch up later?&quot; or &quot;Let's chat after work; I'm under a tight deadline today&quot; are truthful, but polite ways to defend your schedule.</p> <h2>2. Live by Your List</h2> <p>I've a firm believer in the quiet power of list-making &mdash; especially when faced with countless distractions (human and otherwise). Take a few minutes each morning and list five or 10 things you must accomplish during your workday. Be specific and keep yourself motivated by mixing minor to-dos with major ones. Don't allow yourself to be distracted until you've completed the last task on your list. (See also: <a href="http://www.wisebread.com/make-your-to-do-lists-more-effective-with-these-5-simple-hacks?ref=seealso">Make Your To-Do Lists More Effective With These 5 Simple Hacks</a>)</p> <h2>3. Divide and Conquer</h2> <p>It's human nature &mdash; when overwhelmed, we tend to welcome any distraction that comes along. Avoid this temptation by dividing complex projects into smaller, more manageable to-dos. As you achieve each mini-milestone, reward yourself with a 10-minute &quot;distraction break.&quot; If your coworkers are in the same boat, help each other stay on-task and coordinate your break times.</p> <h2>4. Gamify Your Day</h2> <p>Games are an effective way to work toward a goal and still have a little fun. Engage your distracting coworkers with a friendly low-stakes wager. Bet on whatever makes sense for your line of work: who can take the most calls in a week, make the biggest sale, or follow-up with the largest number of clients. The winner gets a free morning coffee. The loser has to clean the microwave.</p> <h2>5. Plug In and Tune Out</h2> <p>You've marveled at how well your kids can tune out the world with technology, so why not give it a shot yourself? If it doesn't conflict with office policy, listen to music or podcasts on your MP3 player or smartphone. Those little earbuds are magic &mdash; they discourage interruption without saying a word. Can't concentrate with music or podcasts playing? Pop in the earbuds anyway and just enjoy the silence.</p> <h2>6. Sneak Away</h2> <p>Most offices today are open-concept with low-walled cubicles as the only nod to privacy. If your area is hopelessly chaotic, try to find a reasonable alternative. Sneak away to the office library, a corner table in the cafeteria, a flexible workspace for traveling employees, or a seldom-used conference room.</p> <h2>7. Make Interruptions Part of Your Itinerary</h2> <p>The longer we work, the more likely we are to suffer from fatigue, lose focus, and fall victim to any diversion that comes along. Instead of pushing yourself to work eight hours straight without a single distraction, segment your day into 90-minute chunks. At the end of each hyper-productive period, refuel with a well-deserved 10 or 15-minute break. (See also: <a href="http://www.wisebread.com/8-ways-to-take-a-break-at-work-and-still-look-busy?ref=seealso">8 Ways to Take a Break at Work and Still Look Busy</a>)</p> <h2>8. Don't Feed the Wildlife</h2> <p>Distracting coworkers tend to buzz from desk to desk looking for receptive audiences. Don't lure them with sweet treats. Retire your community candy dish or reserve it for specific times of the day or week (say, Friday afternoons). It's a passive, but effective way to discourage chatty visitors.</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/how-to-stay-focused-at-work-despite-your-chatty-coworkers">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/10-things-to-bring-up-with-your-boss-at-your-annual-review">10 Things to Bring Up With Your Boss at Your Annual Review</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance">The 7 Best Free Tools to Improve Your Work Performance</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-personal-issues-no-one-at-work-needs-to-hear">10 Personal Issues No One at Work Needs to Hear</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-awkward-money-moments-everyone-has-at-work">8 Awkward Money Moments Everyone Has at Work</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-to-rekindle-passion-for-your-job">12 Ways to Rekindle Passion for Your Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Career Building coworkers distraction focus job tips office etiquette stay focused work work distractions Thu, 06 Oct 2016 09:30:23 +0000 Kentin Waits 1806465 at http://www.wisebread.com How to Get the Job Without Saying a Word http://www.wisebread.com/how-to-get-the-job-without-saying-a-word <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-to-get-the-job-without-saying-a-word" 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_78500093.jpg" alt="Woman getting the job without saying a word" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>An interview is something most of us will do several times throughout our careers. Whether it's for a promotion within your current organization, or a <a href="http://www.wisebread.com/how-to-use-snapchat-in-your-job-search">new job in a different company</a>, you need to nail every appearance you make. And while what you say is important, how you say it, and the body language you use is crucial. Here are some basic rules everyone should follow.</p> <h2>1. Make a Confident Entrance</h2> <p>It has been said that the interviewer can tell within the first 30 seconds if you are going to be a good fit for the company. And most interviewers have already made up their minds between five and 15 minutes. So you need to walk into the room being very self-assured, without looking arrogant or cocky. Stand up straight, walk with purpose, and be both professional and welcoming. You are happy to be there, without being so enthusiastic that you're as giddy as a puppy meeting its new owner. Offer your hand if they don't immediately offer theirs, and you will be off to a great start. When it's time to leave, apply the same rules.</p> <h2>2. Give a Firm Handshake</h2> <p>The key word here is <em>firm</em>. This is not a competition to see if you can crush the fingers of the person opposite you. Some men see the handshake as a test of manliness and strength, which it is definitely not. Think of the way you would grip a golf club before a swing &mdash; good enough to hold onto it, without trying to crush the steel. It should not last too long, one to three pumps is all you need to get this done and get onto the proceedings. If your handshake is flimsy or limp-wristed, you may be considered weak or insecure, and that is not a good first impression to give.</p> <p>If your hands are clammy or sweaty, find a way to dry them off before you shake. This equates to nervousness or illness, and is not something you want the interviewer to be thinking of. And finally&hellip; it's possible the person interviewing you will not shake hands for their own hygiene reasons. If you extend your hand and don't get one in return, just quickly place your hand back by your side and move on.</p> <h2>3. Make Eye Contact</h2> <p>This is not the same as staring (which some interviewers have said is both unnerving and creepy), or refusing to look away from the interviewer during the entire interview. You simply want to maintain good periods of eye contact, around 10-15 seconds at a time, before breaking to look up into the air when pondering a question, or looking at items around the office while you keep the conversation going. It should feel like you're talking to a friend.</p> <p>If you have a hard time looking right into their eyes, look at their nose, or the space between their eyebrows. They won't know the difference. If you are being interviewed by more than one person, do your best to make eye contact equally with each person, not only the person asking the questions. And remember to smile.</p> <h2>4. Maintain Great Posture</h2> <p>Your usual sitting position in the office is probably far from textbook. Most of us tend to slouch a little in our chairs, even with the advanced in lumbar support. But in an interview, you need to be on your best behavior, and that means sitting up straight without being so stiff that you look like you're on parade. Your posture should look comfortable, but professional. Chest up, shoulders back, spine straight. Keep your hands on your knees or folded in your lap. If you sit back in your chair too much, you look sloppy, and the interviewer may think you're not taking this seriously.</p> <p>On the other hand, if you lean forward too much, you can be considered aggressive. However, doing it from time to time, particularly when the interviewer says something of great interest, is fine. It shows that you are listening more closely, and that is a nice way to express enthusiasm.</p> <h2>5. Mirror Some of the Interviewer's Moves</h2> <p>A person doing a lot of interviews will usually be comfortable, and express positive body language movements. By mirroring (which is also a common way two people on a date will break down barriers and express interest), you are creating a subconscious bond between the two of you. However, it should be subtle, and used infrequently. If you get into a situation that becomes mimicry, you are going to offend or irritate the other person. They cross their hands, you cross your hands. They scratch their ear, you scratch yours. This is a surefire way to irk the interviewer, and you will not be called back.</p> <h2>6. Don't Overdo the Arm Movements</h2> <p>We are creatures that communicate with more than just words. In fact, <a href="http://www.nonverbalgroup.com/2011/08/how-much-of-communication-is-really-nonverbal">over 90% of communication is nonverbal,</a> and that means you are going to make gestures with your face, your body, and your hands. But don't get so excited that you're a windmill. It's okay to use your hands in a minimal way to help get a point across, but don't overdo it.</p> <h2>7. Respect the Interviewer's Personal Space</h2> <p>Most interviews are conducted over a table in an office or conference room, so you shouldn't have to worry too much about boundaries. However, there are times when you may have to get closer to the interviewer, especially if you are showing work from a portfolio, or you are sat facing each other without a table. When this happens, remember personal boundaries and barriers. No one wants a complete stranger getting too close, and it can also expose them to things like strong cologne, body odor, or bad breath &mdash; though hopefully, none of these are an issue.</p> <h2>8. Don't Get Too Relaxed</h2> <p>After a few minutes, you may start to become at ease with the interview process. The interviewer may have done a great job of calming your nerves, putting your fears at ease, and making you feel welcome. By all means, laugh at the interviewer's jokes, if they make them, and engage in more casual conversation if the interviewer is taking that lead. But do not sit back in your chair with your arms behind your head. Don't swing on the back legs of the chair either, or slump and stretch out your legs. These are signs of arrogance. And of course, never swear. No matter how casual the interviewer makes it, you do not want to curse like a sailor in any job interview.</p> <h2>9. Don't Fidget</h2> <p>Picking at your nails. Rubbing your head. Twirling your hair. Scratching your nose. Rapidly shaking one leg up and down. These are all annoying little movements that you may well be making unconsciously. A job interview can be nerve-wracking, and when you're nervous, you might do these things without realizing it. You must get them under control. They will only be perceived negatively. The interviewer will see that you are genuinely nervous. They may also think you're bored, hyperactive, or want to be anywhere but in that room with them. Practice with a friend or relative, and do everything you can to eliminate these fidgety moves.</p> <h2>10. Don't Cross Your Arms</h2> <p>Let's first address this myth that crossed arms mean you're closed off, bored, defensive, or trying to hide something. This is untrue. For some, crossed arms are simply comfortable, or a way of controlling fidgety hands. And science suggests that when you cross your arms, you are actually using both sides of your brain, and are <a href="http://www.today.com/health/are-crossed-arms-ok-body-language-myths-fixes-office-1D79842021">more likely to stay on task</a>.</p> <p>However, the myth has become more powerful than reality. Interviewers have been told to believe the pseudoscience, and when they see crossed arms, they think you're closed off or possibly uptight. In this case, crossing your arms is going to play into the folklore that 90% of interviewers believe to be true, so don't give them that signal.</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/how-to-get-the-job-without-saying-a-word">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-8"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/make-guerrilla-job-hunting-work-for-you">Make Guerrilla Job Hunting Work for You</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/flashback-friday-the-65-best-career-tips-weve-ever-shared">Flashback Friday: The 65 Best Career Tips We&#039;ve Ever Shared</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/9-careers-you-dont-need-a-ton-of-experience-to-start">9 Careers You Don&#039;t Need a Ton of Experience to Start</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/escape-your-dying-industry-with-one-of-these-8-careers-instead">Escape Your Dying Industry With One of These 8 Careers, Instead</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-ways-youre-sabotaging-your-job-hunt">7 Ways You&#039;re Sabotaging Your Job Hunt</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Job Hunting body language confidence job hunting Job Interview job search resume Thu, 29 Sep 2016 09:30:26 +0000 Paul Michael 1801999 at http://www.wisebread.com 10 Companies With the Highest Paid Interns http://www.wisebread.com/10-companies-with-the-highest-paid-interns <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-companies-with-the-highest-paid-interns" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/millennials_interns_office_65754805.jpg" alt="Companies with the highest paid interns" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Tell people you're an intern, and most will assume you're either working for free, or barely scraping by. After all, interning is about <a href="http://www.wisebread.com/9-careers-you-dont-need-a-ton-of-experience-to-start">gaining experience</a>, and that in itself is valuable to the future employee. But tech giants and financial powerhouses are willing to pay big bucks to get the most talented interns. Here are 10 companies that offer some of the highest intern salaries in the U.S. today.</p> <h2>1. Facebook</h2> <p>Currently worth over $350 billion dollars (and expected to one day be <a href="http://money.cnn.com/2016/04/28/investing/facebook-trillion-dollar-market-value/">worth $1 trillion</a>), Facebook has the money to pay interns well. Glassdoor reports that a Ph.D. software engineer intern can expect to earn around $9,000/month, with a regular software engineer averaging $8,467/month. If you're curious, that equates to over $100,000 per year&hellip; for an internship!</p> <p>Even on the lower end of the spectrum, an analyst intern can make $3,000&ndash;$4,000/month, which is still way more than minimum wage. When you consider most interns are still living at home with their parents, it's not a bad gig at all.</p> <p><strong>Potential Earnings</strong>: Up to $9,000 per month</p> <h2>2. Amazon</h2> <p>If you have worked hard enough to earn your MBA, Amazon is a good place for you to get your internship. Glassdoor data shows that an Amazon Summer MBA intern earns $9,053 per month, which equates to over $108,000 per year. Just behind, at $8,934/month, is the product manager intern. And if you look at the list of <a href="https://www.glassdoor.com/Intern-Salary/Amazon-com-Internship-Salary-E6036.htm?sort.sortType=BP&amp;sort.ascending=false">internship positions and salaries at Glassdoor</a>, you can see that overall, being an intern at Amazon is very lucrative &mdash; with dozens of positions reporting between $8,000&ndash;$9,000 per month. Considering how massive Amazon is, and how it continues to dominate the way we spend money and consume entertainment, it's clear that the company is investing heavily in talent now to continue this success.</p> <p><strong>Potential Earnings</strong>: $9,053 per month</p> <h2>3. Google</h2> <p>If you're seeing a trend in the high paying tech internships, you're not mistaken. Tech companies are looking for good software engineers, and they're ready to pay big bucks for them. A software engineer intern at Google can expect to earn over $7,000 per month, with some internship positions coming in at $113,000 per year! Of course, you need to be very savvy in the tech industry's most wanted positions; this is not something you can land straight out of college with a sociology degree. But for those with the right skills, the money is there at Google. And it is also <a href="http://saleshq.monster.com/careers/articles/1012-top-perks-working-at-google">famous for treating its employees very, very well</a>.</p> <p><strong>Potential Earnings</strong>: $7,152 per month</p> <h2>4. Citigroup</h2> <p>According to Glassdoor, the top paid interns at Citigroup are earning up to $116,000 per year, which is equates to $9,667/month. If you're wondering what kind of work that entails, these two words should sum it up nicely &mdash; Wall Street. At Citigroup, money is everything, and everything is about making money. Interns who are seeking roles in investment banking, private equity, hedge funds, and asset management, are richly rewarded for their efforts. At the lower end of the spectrum, summer analyst interns can make anything from $17 an hour, all the way up to $25 an hour, which is still nothing to be sniffed at.</p> <p><strong>Potential Earnings</strong>: $9,667 per month</p> <h2>5. Snapchat</h2> <p>It's an app that is dominating the social media world, and the company behind it is making news for its internship programs. As hard to believe as it is, Snapchat not only pays interns up to $10K a month, but it adds an additional $1,500 per month for housing expenses! As that is usually the biggest expense any of us have to pay, the interns at Snapchat have the bulk of that $120,000 annual salary to spend on pretty much whatever they want. If this is making you think about re-evaluating your career choices, you're not alone.</p> <p><strong>Potential Earnings</strong>: $10,000 per month (Plus $1,500/month for housing)</p> <h2>6. Two Sigma</h2> <p>If you haven't heard of Two Sigma, you will soon. And the reason they top the list of intern salaries, by quite a margin if you include the monthly housing reimbursement (and additional $5,000 relocation expenses), is that they are at the intersection of technology and finance. Two Sigma is an investment management firm that uses science and technology to make people some serious money. What's more, <a href="https://careers.twosigma.com/">they're currently hiring for over 80 positions</a> at the their offices in New York, Houston, London, and Tokyo. If you're in the business of software engineering or trading, you may want to hit them up.</p> <p><strong>Potential Earnings</strong>: $10,400 per month (Plus $5,000 per month for housing)</p> <h2>7. Pinterest</h2> <p>Coming in at more than Facebook and Google, Pinterest is offering a combined $11,040 per month ($132,480 a year) to interns who have a talent for, you've guessed it, software engineering. Described as a &quot;catalog of ideas&quot; by CEO Ben Silbermann, Pinterest was started in 2010 and is relatively new to be a giant in the app scene. Certainly, it's not as ubiquitous as Facebook, Google, and Twitter, and yet it is forking over more than all of them to acquire top intern candidates. And as it is located in both New York and California, that $3,000 a month to help with housing is definitely a huge plus.</p> <p><strong>Potential Earnings</strong>: $8,040 per month (Plus $3,000 per month for housing)</p> <h2>8. Palantir</h2> <p>The intern position of forward deployed engineer pays a hefty $8,172 per month at Palantir; and if you know what that position actually does, you're already way ahead of most of us. Another tech firm that values software engineers, Palantir has been rewarding its interns with big salaries for many years now. Founded in 2004, this software firm specializes in big data analysis, and originally had a client list comprising of federal agencies of the U.S. Government. In 2014, Forbes maintained that Palantir was &quot;among Silicon Valley's most valuable private technology companies.&quot; It is headquartered in Palo Alto, CA.</p> <p><strong>Potential Earnings</strong>: $8,172 per month</p> <h2>9. Quora</h2> <p>Not unlike Google, Quora is a search engine that delivers results based on the questions you ask. And as it's a tech firm, you know by now what the highest paid interns there are doing: software engineering. A typical intern in this position at Quora can expect upward of $8,000 per month, but there are also positions in product design, data science, and product management. The company appears to have an excellent culture, too, with great employee feedback and solid growth.</p> <p><strong>Potential Earnings</strong>: $8,086 per month</p> <h2>10. Groupon</h2> <p>Famous for giving people great deals on everything from window tinting to adventure holidays, Groupon is an app most of us have on our phones. After all, who doesn't like saving money? But when it comes to interns, Groupon is ready to splash it around, paying $8,000 per month to software engineers, and upward of $7,000 per month to product managers. On the lower end of the scale, business analyst interns can get around $3,000 per month. Full-time employees of Groupon reportedly get unlimited vacation time, although taking months off at a time would probably not serve you well.</p> <p><strong>Potential Earnings</strong>: $8,000 per month</p> <p><em>Salary data found on </em><a href="https://www.glassdoor.com/index.htm"><em>Glassdoor</em></a><em>.</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-companies-with-the-highest-paid-interns">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/7-expensive-stocks-that-are-totally-worth-it">7 Expensive Stocks That Are Totally Worth It</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-social-media-stars-who-earn-way-more-than-you">5 Social Media Stars Who Earn Way More Than You</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-tips-for-my-career-clueless-college-self">5 Tips for My Career-Clueless College Self</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-stocks-every-recent-grad-should-own">10 Stocks Every Recent Grad Should Own</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/13-ways-to-use-social-media-in-business">13 Ways to Use Social Media in Business</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Amazon companies Facebook Google interns internships pinterest snapchat startups Wed, 28 Sep 2016 10:00:09 +0000 Paul Michael 1800746 at http://www.wisebread.com Best Money Tips: Effective Ways to Communicate Better at Work http://www.wisebread.com/best-money-tips-effective-ways-to-communicate-better-at-work <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/best-money-tips-effective-ways-to-communicate-better-at-work" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/coworkers_talking_work_89208453.jpg" alt="Woman finding effective ways to communicate better at work" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Welcome to Wise Bread's <a href="http://www.wisebread.com/topic/best-money-tips">Best Money Tips</a> Roundup! Today we found articles on how to communicate better at work, easy habits that will help you curb monthly spending, and tips for moving to a new city.</p> <h2>Top 5 Articles</h2> <p><a href="http://productivitytheory.com/how-to-communicate-better-at-work/">How To Communicate Better At Work</a> &mdash; What happens after a conversation can be just as important. Follow-through makes the communication more effective. [Productivity Theory]</p> <p><a href="http://www.moneyspruce.com/five-easy-habits-pick-curb-monthly-spending/">Five Easy Habits to Pick Up to Curb Monthly Spending</a> &mdash; If you're paid every two weeks, spread out your monthly bill payments so that you have about the same amount left over from each check. [Money Spruce]</p> <p><a href="https://www.listenmoneymatters.com/move-to-a-new-city/">How to Move to a New City</a> &mdash; Create a moving budget so you know how much you need to save for the move. Factor in expenses like broker fees, security deposits, moving companies, possible storage, furniture and at least the first month&rsquo;s rent. [Listen Money Matters]</p> <p><a href="http://www.popsugar.com/smart-living/Why-Young-People-Should-Go-Therapy-41515561">5 Amazing Things No One Ever Tells You About Therapy</a> &mdash; A therapist will listen to you vent &mdash; and then help you come up with realistic solutions and actions for your life. [PopSugar Smart Living]</p> <p><a href="http://savingdollarsandsense.com/5-ways-to-reduce-stress-in-your-home/">5 Ways to Reduce Stress in Your Home</a> &mdash; Set aside a few minutes each day to just relax.&nbsp; [Saving Dollars &amp; Sense]</p> <h2>Other Essential Reading</h2> <p><a href="https://due.com/blog/network-without-wasting-time/">How to Network Without Wasting Time</a> &mdash; Try spreading your time out to other related but different fields that could connect you to new leads. [Due]</p> <p><a href="https://www.lupgrade.com/7-careers-that-dont-require-a-traditional-office/">Here Are 7 Careers That Don&rsquo;t Require A Traditional Office</a> &mdash; Personal chefs don't need a brick-and-mortar office. You cook in the kitchen, and any office duties can be dealt with on a dining table. [Life Upgrade]</p> <p><a href="http://www.thepennyhoarder.com/vail-resorts-hiring-seasonal-jobs/">Love the Mountains? These 12 Resorts are Hiring Thousands of Seasonal Jobs</a> &mdash; Many of the jobs require little to no experience and the resorts provide you with training and certifications! [The Penny Hoarder]</p> <p><a href="http://everythingfinanceblog.com/18155/move-on-from-your-job.html">How to Know When It&rsquo;s Time to Move On From Your Job</a> &mdash; Not receiving any feedback from your manager or supervisor is a red flag that you probably won't be able to move forward professionally with this employer. [Everything Finance]</p> <p><a href="http://parentingsquad.com/how-to-deal-when-your-kid-suddenly-hates-school">How to Deal When Your Kid Suddenly Hates School</a> &mdash; Kids often begin to dread school once the newness has worn off, but if you think something at school is contributing to their unhappiness, ask open-ended questions about their day to get the details. [Parenting Squad]</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/amy-lu">Amy Lu</a> of <a href="http://www.wisebread.com/best-money-tips-effective-ways-to-communicate-better-at-work">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-5"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-personal-issues-no-one-at-work-needs-to-hear">10 Personal Issues No One at Work Needs to Hear</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/smart-ways-to-start-and-end-networking-conversations">Smart Ways to Start and End Networking Conversations</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-to-bring-up-with-your-boss-at-your-annual-review">10 Things to Bring Up With Your Boss at Your Annual Review</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/5-smart-ways-to-prepare-for-a-job-leave">5 Smart Ways to Prepare for a Job Leave</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building best money tips communication Thu, 01 Sep 2016 10:00:12 +0000 Amy Lu 1783603 at http://www.wisebread.com How I Saved Enough for a Down Payment While Working in China http://www.wisebread.com/how-i-saved-enough-for-a-down-payment-while-working-in-china <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/how-i-saved-enough-for-a-down-payment-while-working-in-china" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman_hand_globe_43186582.jpg" alt="How to save for a down payment while working in China" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When I was first considering teaching abroad after graduating from college, I had many friends and family who were concerned that I'd be setting myself back financially. With the best of intentions, these loved ones told me that I would be making a mistake by moving to Asia and accepting a lower paycheck. How would I ever afford a car or a house if I didn't find a high-paying job in Canada or the U.S. and start saving right away?</p> <p>Ten years later, I look back and realize that teaching abroad was one of the best financial decisions of my life. During our four years <a href="http://www.wisebread.com/follow-these-5-credit-card-rules-when-traveling-abroad" target="_blank">teaching in China</a>, my husband and I saved enough between us for a down payment on our house in Southern California.</p> <p>Not every job abroad will be a an ideal situation for saving, so if you're considering teaching or working abroad, and want to prioritize saving, here are a few tips for how to save as much as you can.</p> <h2>1. Find Free or Subsidized Housing</h2> <p>Many schools and companies abroad realize that it's hard for foreign employees to pick up and leave their home countries without having a living situation set up in the new country. Therefore, many employment contracts abroad include either a housing allowance, or a free or subsidized apartment that belongs to the company. In our case, the school we worked for owned an apartment block which provided heavily subsidized living quarters for teachers and employees.</p> <p>Living rent-free or on subsidized rent saves a <em>huge </em>chunk of your income that you can put entirely toward savings. It also saves a tremendous amount of time and stress when your overseas employer helps arrange your living quarters.</p> <p>It also helps greatly if the living quarters provided by the employer come furnished, which will cut down on the initial costs of moving. Having to purchase furniture and appliances can make it harder for you to start saving right away.</p> <h2>2. Take Advantage of the Lower Cost of Living</h2> <p>Another huge factor that enabled us to save was the lower cost of living in our host country. By choosing to eat at local restaurants and shop at local grocery stores, we saved hundreds of dollars every month on food in a city where the local cost of living was quite a bit lower than at home in the U.S. Of course, it would have been easy to blow our paychecks eating at expat-oriented bars and restaurants (Starbucks was pretty much everywhere in our city), but we saved the pricier international food for weekends and special occasions. A nice side effect of our frugal mentality is that we discovered a whole new world of delicious local dishes that we would never have tried otherwise.</p> <p>Not all countries will have a lower cost of living than your home country, of course, so it's worth looking into what it typically costs for food, clothing, rent (if you are renting a place yourself), health care, and other necessities before going.</p> <h2>3. Use Public Transportation</h2> <p>We saved the cost of having to maintain a car because our apartment was walking distance to the school where we worked. On weekends, a cheap and efficient subway system was our transportation of choice whenever we wanted to leave the school campus. When looking for a job overseas, be sure to ask questions about how you will get to and from work, and what transportation options exist to take you to the fun part of town. Some jobs (generally not teaching jobs, though) will even provide a company car and driver to make things easier for you.</p> <h2>4. Live Simply</h2> <p>Curbing excess spending is a good financial strategy no matter where you live, but I think it's easier to live simply when you anticipate moving in a year or a few. Because we didn't plan on staying more than a few years, I was less motivated to buy unnecessary stuff, with the mentality that everything needed to fit in a couple suitcases for the trip home. While we did spend money on leisure activities such as traveling during our holidays, for the most part, we just enjoyed meeting new friends and exploring our city, activities that didn't cost much.</p> <p>We did end up shipping a few souvenirs back home, but because we had to pay to ship them, we were more mindful about purchasing only what we loved.</p> <h2>5. Research Your Tax Exemptions</h2> <p>Although U.S. citizens and residents are required to pay taxes on foreign-earned income, a large chunk of that income (or even all of it depending on how much you make) could be <a href="https://www.irs.gov/individuals/international-taxpayers/foreign-earned-income-exclusion">exempt from income taxes</a>. When filing your yearly taxes, be sure to file your foreign-earned income correctly. Of course, you may be taxed in your country of employment, but in our experience the local tax was very low. You will want to research the tax rate in the country you're thinking of working in before you accept a job.</p> <p>Before accepting a job overseas, be sure also to ask about health benefits and support in case you run into a medical emergency. If your employer does not provide adequate health benefits, you may have to purchase it privately, which you should factor into your savings plan. It also goes without saying that you should do research into typical salaries for the job you will be doing, as they can vary widely depending on the employer.</p> <p>If you play your cards right, you can certainly turn a few years of adventure working overseas into an opportunity to save and to meet your financial goals.</p> <p><em>Have you considered working overseas? What's holding you back?</em></p> <h2 style="text-align: center;">Like this post? Pin it!</h2> <p>&nbsp;</p> <p style="text-align: center;"><a href="//www.pinterest.com/pin/create/button/?url=http%3A%2F%2Fwww.wisebread.com%2Fhow-i-saved-enough-for-a-down-payment-while-working-in-china&amp;media=http%3A%2F%2Fwww.wisebread.com%2Ffiles%2Ffruganomics%2Fu5180%2FHow%20I%20Saved%20Enough%20for%20a%20Down%20Payment%20While%20Working%20in%20China.jpg&amp;description=How%20I%20Saved%20Enough%20for%20a%20Down%20Payment%20While%20Working%20in%20China" data-pin-do="buttonPin" data-pin-config="above" data-pin-color="red" data-pin-height="28"><img src="//assets.pinterest.com/images/pidgets/pinit_fg_en_rect_red_28.png" alt="" /></a> </p> <!-- Please call pinit.js only once per page --><!-- Please call pinit.js only once per page --><script type="text/javascript" async defer src="//assets.pinterest.com/js/pinit.js"></script></p> <p style="text-align: center;"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/u5180/How%20I%20Saved%20Enough%20for%20a%20Down%20Payment%20While%20Working%20in%20China.jpg" width="250" height="374" alt="" /></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/camilla-cheung">Camilla Cheung</a> of <a href="http://www.wisebread.com/how-i-saved-enough-for-a-down-payment-while-working-in-china">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-6"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/retire-for-half-the-cost-in-these-5-countries">Retire for Half the Cost in These 5 Countries</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-real-cost-of-moving-to-canada-if-thats-your-post-election-plan">The Real Cost of Moving to Canada (If That&#039;s Your Post-Election Plan)</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/dont-let-these-expenses-spoil-your-retirement-abroad">Don&#039;t Let These Expenses Spoil Your Retirement Abroad</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-things-your-financial-planner-isnt-telling-you-about-retirement">5 Things Your Financial Planner Isn&#039;t Telling You About Retirement</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/how-to-build-your-best-travel-budget">How to Build Your Best Travel Budget</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Travel cost of living expats living abroad overseas saving money taxes teaching abroad transportation working Thu, 25 Aug 2016 10:00:15 +0000 Camilla Cheung 1778730 at http://www.wisebread.com The 7 Best Free Tools to Improve Your Work Performance http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-7-best-free-tools-to-improve-your-work-performance" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/iStock_67204101_MEDIUM.jpg" alt="improving his work performance with these free tools" title="" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>With tight deadlines and heavy workloads, there are never enough hours in a day to get everything done. If you find yourself constantly pressed for time, your work performance can get impacted. Constant stress at work can cause mistakes and delays. But there are free tools that can help improve productivity, stay organized, and catch errors, and improve your output at work.</p> <p>See also: <a href="http://www.wisebread.com/how-to-make-your-sluggish-workday-go-a-lot-faster?ref=seealso">How to Make Your Sluggish Workday Go (a Lot) Faster</a></p> <h2>1. Reduce Typos With Grammarly</h2> <p><a href="http://grammarly.com/">Grammarly</a> is a free grammar checker, more powerful than the standard spell check tools in Word or Outlook. While you can use it to proofread your projects, you can also install the extension so that it will scan your blogs, social media posts, and emails for typos and errors and correct them &mdash; before you send them to your boss (or the public). Unlike other tools, Grammarly uses context clues to identify issues with misused words, such as if you typed &quot;manger&quot; instead of &quot;manager.&quot; It will also highlight grammatical errors, explaining the issues and how to fix them. If you have always struggled with past participles and direct objects, Grammarly is an easy way to get in-the-moment guidance. While there is a premium version that is more detailed, the free option is robust enough to help improve your daily communications.</p> <h2>2. Manage Your To-Do List With Wunderlist</h2> <p>Between work and your home life, juggling errands, tasks and shopping lists can be overwhelming. To-do list apps can help make things simpler. <a href="http://www.wunderlist.com">Wunderlist</a> is a powerful platform that lets you create and share lists, prioritize tasks, and set up reminders for deadlines or recurring projects. It is available on your phone or desktop, so it can be accessed any time, anywhere.</p> <h2>3. Take Notes on the Go With Evernote</h2> <p>If you're the type of person who depends on a notepad and a pen to take notes and stay organized, you know how frustrating it is if you have a great idea and don't have paper in front of you or if you forgot your notes at your desk. <a href="http://www.evernote.com">Evernote</a> is a solution that lets you take notes anywhere. Type reminders to yourself, take a picture of something that inspires you, or save a snapshot of whiteboard drawings to refer to later. The free plan offers 60 MB of storage and can help you manage various projects and long-term plans.</p> <h2>4. Produce Professional Graphics With Canva</h2> <p>Whether you're a social media manager or simply need to make professional looking graphics as part of your job, design software can be prohibitively expensive &mdash; the basic cloud-based version of InDesign alone can cost over $230 &mdash; and cumbersome for new users. <a href="http://www.canva.com">Canva</a> makes it easy to create polished images, even if you have no graphic design training. There are free templates, images, and elements that are fully customizable. Premium content, such as stock photos, can be added for just an additional $1. You can also upload your own images to use to create custom artwork.</p> <h2>5. Simplify Timesheets With Timely</h2> <p>If you need to track billable hours, you know how difficult it can be to manage and reconcile your timesheets. Unlike other tracking platforms, <a href="https://timelyapp.com/">Timely</a> allows you to track hours as you work but also provides a calendar so you can plan ahead. That way, you can compare time you actually spend on a project versus how much time you thought it would take, helping you budget your time more accurately.</p> <h2>6. Manage Emails With Boomerang</h2> <p><a href="http://www.boomeranggmail.com/">Boomerang</a> can completely change how you handle email and increase your productivity. It allows you to hide emails for a certain amount of time and schedule emails ahead of time. If you're one of those people who just can't ignore an email in your inbox, the hide feature can be useful in helping you focus on your tasks at hand. You can set reminders so that when you do need to address the email, it will flag it for you. By scheduling emails, you can write out notes as you think about them, but plan to send them the next morning or when a coworker is back from vacation, keeping it from getting lost in an overcrowded inbox (or you can make your boss think you work long into the night by scheduling emails at 2:00 a.m.). Boomerang also allows you to set up a follow-up feature, so if you have not received a response, it will notify you and ask if you'd like to send a reminder.</p> <h2>7. Automate Tasks With If This Then That</h2> <p><a href="https://ifttt.com/">If This Then That</a> (IFTTT) is a free service that allows to create &quot;recipes,&quot; or actions in response to specific triggers. For instance, you can set it up so that if someone tags you on Twitter, a private message to that user is automatically generated. Or, if you get a new follower on Facebook, ITTT can establish a recipe which saves a photo of that user for your archives. It can help you manage social media platforms around the clock &mdash; and a whole lot more.</p> <p><em>Do you use any free tools to help with work performance? Share with us!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/kat-tretina">Kat Tretina</a> of <a href="http://www.wisebread.com/the-7-best-free-tools-to-improve-your-work-performance">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-1"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-essential-tools-for-getting-work-done-anywhere">7 Essential Tools for Getting Work Done -- Anywhere!</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-use-the-holiday-quiet-time-to-boost-your-career">How to Use the Holiday Quiet Time to Boost Your Career</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-reasons-your-coworkers-think-youre-a-slacker">6 Reasons Your Coworkers Think You&#039;re a Slacker</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-make-your-sluggish-workday-go-a-lot-faster">How to Make Your Sluggish Workday Go (a Lot) Faster</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-healthy-habits-to-take-to-work">10 Healthy Habits to Take to Work</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Life Hacks Career Building Productivity apps free free tools jobs productivity tools work work performance Fri, 19 Aug 2016 10:30:15 +0000 Kat Tretina 1775077 at http://www.wisebread.com