Career and Income http://www.wisebread.com/taxonomy/term/4/all en-US The 8 Worst Things Good Employees Do http://www.wisebread.com/the-8-worst-things-good-employees-do <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-8-worst-things-good-employees-do" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/stressed-businessman-working-Dollarphotoclub_70881419.jpg" alt="stressed businessman" title="stressed businessman" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Most of us think like to think of ourselves as good employees. We show up for work on time, do our jobs to the best of our abilities, are team players, and put in more than enough hours. But, even good employees can commit career sins &mdash; and most of the time we don't even know we're doing it. (See also: <a href="http://www.wisebread.com/12-reasons-you-deserve-to-get-fired?ref=seealso">12 Reasons You Deserve to Get Fired</a>)</p> <p>Read on to learn the eight worst things good employees do.</p> <h2>1. Buckle Under Pressure</h2> <p>Some jobs are super high stress &mdash; and that can take a toll on an employee after an extended period of time. But as a professional, it's your duty to take these situations in stride and weather the storm to the best of your ability. The last thing you want to do is send the impression that you're just not cut out for your position.</p> <p>&quot;There are times when the environment of the workplace; company culture; or pressure from coworkers, peers, and upper management may influence [good employees] to act outside of their normal behavioral pattern,&quot; says Michael Lan, senior resume consultant at Resume Writer Direct. &quot;Being pressured to meet a quota within a certain deadline, or accomplishing a number of set goals and tasks increases an employee's stress level. Some employees will consequentially buckle under this pressure and make questionable or 'bad' decisions in order to keep up with demands.&quot;</p> <p>You should always strive to handle yourself with poise, but if you think your work demands are consistently unreasonable, schedule a meeting with your boss to discuss.</p> <h2>2. Make Too Many Excuses or Apologize Too Much</h2> <p>&quot;Over-justifying or over-communicating why something isn't ready is a horrible habit I've seen employees fall into,&quot; explains Michelle Brammer, marketing manager for eZanga.com. &quot;When employees over-justify or give too much communication as to why a task isn't complete, I'm left questioning their judgment or dedication to their job.&quot;</p> <p>As a result, Brammer says, the barrage of apologies may come off like you can't manage multiple tasks or responsibilities &mdash; and that's never a good look. Instead, simply reaffirm your commitment to completing the over-due task ASAP and deliver. If there's something meaningful preventing you from timely completion, by all means do discuss it with your boss.</p> <h2>3. Blend Into the Crowd</h2> <p>Know what happens to the rank-and-file? They get lost in a sea of nobodies just doing their jobs. Is that who you want to be? Let's hope not.</p> <p>&quot;Between being a showy braggart and muffling your hard work, there's a comfortable middle road that you must find in order to claim the benefits of your labor,&quot; offers Constance Dunn, communication and manners expert and author of <a href="www.amazon.com/gp/product/0978761022/ref=as_li_tl?ie=UTF8&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0978761022&amp;linkCode=as2&amp;tag=wisbre03-20&amp;linkId=FNSTO6IUTD6ATBA4">Practical Glamour: Presenting Your Most Beautiful &amp; Polished Self</a>. &quot;Otherwise, you might find yourself plodding about in the same role, year after year, while others &mdash; perhaps less talented others &mdash; sprint ahead with promotions and raises.&quot;</p> <p>In an effort to avoid this trap, Dunn suggests making it your business to socially congregate with co-workers, even if it's standing around the coffee machine or going for a coffee run with the pack.</p> <p>&quot;Don't wait for them to ask you what you're working on; go ahead and offer interesting tidbits about your current projects in a conversational way,&quot; she says. &quot;This is one strategy to increase your visibility and communicate your competency in the workplace.&quot;</p> <h2>4. Rest on Their Laurels</h2> <p>Becoming a sheep is one thing, but giving up on career advancement altogether is a whole other ballgame &mdash; and one in which you ought not be participating. You don't want to be just a good employee; you should get up every morning to be the best employee. That's the only way you'll see the kind of promotion you dream of &mdash; but you have to work for it.</p> <p>&quot;The worst things good employees do is to not tactfully push to advance their careers,&quot; says David T. Waring, editor of Fitsmallbusiness.com. &quot;Often times good employees trust that good work will be rewarded automatically. Especially in larger companies, this is not always the case, and often times it's the squeaky wheel that gets the grease. While good employees do not want to turn into whiners, making sure that you keep yourself top of mind with those that have the power to advance your career is simply good business.&quot;</p> <h2>5. Allow a Lack of Self-Confidence to Hinder Success</h2> <p>Ever had an idea in a meeting, but were too afraid to lay it out there for fear of sounding stupid or getting that condescending &quot;Really?&quot; look from the boss? I have, so I feel your pain. But keeping mum on a creative or productive idea is never going to help your cause &mdash; ever.</p> <p>Jason M. Schulz, benefits consultant and retired U.S. Army Captain, agrees.</p> <p>&quot;[Some employees are] afraid to speak up when appropriate to do so for fear that they will be ostracized, but then complain later around the water cooler,&quot; he says. &quot;Truth is, most of those employees that think their idea is great when they hear it at the water cooler, really want them to voice their opinion when asked by the boss. And managers aren't just asking for ideas for their health; they genuinely want to see things from the workers' perspective.&quot;</p> <h2>6. Micromanage</h2> <p>I quit a job because I was being micromanaged; it's bad news for a control freak like me (who also has a tendency to micromanage; I'll admit it). The people with whom <em>you</em> work don't like it either &mdash; trust me. So if you have a propensity to be this kind of pest &mdash; yes, I said a <em>pest</em> &mdash; stop it immediately.</p> <p>John J. Brady, executive director and principal of Protem Partners, reminds us that if you can't identify the micromanager in the office, it might just be you.</p> <p>&quot;Most micromanagers do not realize that this label applies to them. They get great feedback as they hold themselves and members of their team to a very high level,&quot; he says. &quot;The problem is, they fear anything less than perfection will hurt their hard-earned credibility, and their very image of perfection gets distorted such that they fail to see the inefficiencies they create and, in most cases, the errors they create by sending a message that only they are competent. Dysfunction and burnout are the usual results.&quot;</p> <h2>7. Work More Than They're Contributing</h2> <p>Brady also details the fine line between working and contributing &mdash; two very different things &mdash; that could be holding you back.</p> <p>&quot;Many employees feel insecure about their station at work and, as such, never take vacations, send emails at crazy hours and, in an effort to make sure their commitment is known, talk about it [incessantly],&quot; he says. &quot;Every major study shows that quality and productivity falls after a certain number of hours and without proper breaks from work. The result is that they do good work instead of great work, and they come off as a martyr to management and to colleagues. It doesn't help their career, let alone anyone else's, and isolation is a frequent result.&quot;</p> <p>The takeaway? Relax, boo, you got this. Strive for success, but not <em>too</em> hard, and enjoy a day (maybe a week even) to yourself once in a while.</p> <h2>8. Fail to Think About the Boss' Objectives</h2> <p>Most of us are so busy at work concentrating on our own tasks that we don't give a second thought to what may be on other people's plates, particularly the boss's. It's in your best interest to squash this bad habit today.</p> <p>&quot;Many excellent employees get nothing but stellar feedback, but wonder why they never get promoted,&quot; Brady explains. &quot;At a minimum, you need to think about the business from at least one level up, and then frame your work to fit that set of objectives. Doing a great job at one level doesn't lead management to presume you could excel at the next level, unless you are consistently showing that you know how your current work fits into a larger framework.&quot;</p> <p>Something to consider the next time you're up for review.</p> <p><em>Are any of these habits yours? Or are there other worst things you've seen your good coworkers do?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/mikey-rox">Mikey Rox</a> of <a href="http://www.wisebread.com/the-8-worst-things-good-employees-do">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/5-things-people-who-have-their-dream-jobs-do">5 Things People Who Have Their Dream Jobs Do</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-first-5-things-you-must-do-after-getting-laid-off">The First 5 Things You Must Do After Getting Laid Off</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-simple-steps-to-discovering-your-true-salary-potential">6 Simple Steps to Discovering Your True Salary Potential</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-signs-you-should-quit-your-job">8 Signs You Should 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/3-weird-ways-people-get-promoted">3 Weird Ways People Get Promoted</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income boss fired layoff promotion raise success Fri, 27 Feb 2015 10:00:12 +0000 Mikey Rox 1309035 at http://www.wisebread.com 12 Times You're Better Off Without a Promotion http://www.wisebread.com/12-times-youre-better-off-without-a-promotion <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/12-times-youre-better-off-without-a-promotion" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/businessman-office-thinking-Dollarphotoclub_76306506.jpg" alt="businessman office" title="businessman office" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>You've been with a company for years, and have received excellent performance reviews. You may even be due for a promotion. Maybe it will come with a bigger paycheck, a larger office, and a fancier title. But should you automatically accept a promotion if one is offered? (See also: <a href="http://www.wisebread.com/12-ways-to-finally-get-that-promotion-this-year?ref=seealso">12 Ways to Finally Get That Promotion This Year</a>)</p> <p>Moving up the corporate ladder seems like a no-brainer, but there are many reasons why you might be better off declining.</p> <h2>1. You Wouldn't Be Doing What You Want to Do</h2> <p>You went into engineering because you really love using technical skills to build things and solve problems. But now you're a manager, and you spend more time in budget meetings and strategy sessions than actually working on projects. Promotions can bring some extra money and influence, but what's the point if you're not doing something you enjoy &mdash; or worse, if you're being derailed from your intended career path?</p> <h2>2. Your Job Might Actually Become Less Secure</h2> <p>It seems a bit counterintuitive that a promotion would actually make you more vulnerable to a layoff, but it is possible. It's often more cost-effective for companies to get rid of a layer of management than lay off workers in the lower rung. There's also a perception &mdash; right or wrong &mdash; that <a href="http://knowledge.wharton.upenn.edu/article/caught-in-the-middle-rising-unemployment-takes-its-toll-on-older-managers/">middle managers aren't as tech savvy</a>, and are therefore more dispensable.</p> <h2>3. You Would Have No Real Authority, But Would Be Accountable</h2> <p>So you got that promotion and now have some employees reporting to you. But you may find it frustrating to learn that while you're accountable for your department's performance, there are outside factors that impact your ability to control outcomes. Before accepting a promotion, try to gauge how much input you will actually have on key decisions.</p> <h2>4. It Would Require a Relocation</h2> <p>You've been offered an opportunity to move up in the company, but there's a catch: You need to move to Portland, Oregon. Now, Portland is a lovely city, but you're from Baltimore, and so are all of your friends and family. Living in Portland may be a little pricier, and the city doesn't even have a Major League baseball team! For some people, moving for work is a big fun adventure, but for many others, the change in location might not be worth it.</p> <h2>5. It Would Be a Promotion in Name Only</h2> <p>Some companies like to add &quot;senior&quot; to your title and give you a lot of extra responsibility. But does it come with extra pay or other perks? Is it really just a &quot;lateral&quot; move? If you're being saddled with extra work and stress but aren't being compensated for it, it may be the wrong kind of &quot;promotion.&quot; Occasionally, this is okay if you're learning some new skills that will pay off down the road, but it's important to make sure your employer isn't taking advantage of you.</p> <h2>6. You Don't Plan to Stay With the Company</h2> <p>Let's say you've been fantasizing for years about opening your own gourmet donut shop, and are about six months away from having enough money saved for it. Then your employer calls and offers you a big promotion. Do you accept the offer, knowing that you were on the verge of leaving to pursue your dream? Taking a promotion when you're a short timer is pointless &mdash; and is unfair to the employer. This is also good advice for someone who is considering leaving a company due to its shaky finances. If you weren't confident in the company before, getting a new title and bigger paycheck isn't going to change matters.</p> <h2>7. You'd Be Asked to Fix the Unfixable</h2> <p>I once had a friend who took a job to turn around a struggling division. He saw it as an opportunity to show off some leadership skills and execute his own vision. In a short time, however, he learned that the division's problems were so deep that they were beyond his ability to repair. Occasionally, higher-ups might give credit to an employee for making the best of a bad situation, but it's often just misery with no happy ending. Don't accept a promotion to &quot;save&quot; something that is beyond saving.</p> <h2>8. Your Work-Life Balance Would Suffer</h2> <p>Is this new job going to require longer hours at the office? Will you be on the road constantly? Will you constantly be on call? You may be at a point in your life when you need to be home more often to care for kids or an elderly parent. Or maybe you just want more time to pursue various interests. CNBC last year reported on <a href="http://www.cnbc.com/id/101755874">some dads who said no to promotions</a> because they wanted to spend more time with their families. You should not be so reliant on that extra paycheck that you're willing to sacrifice the quality of your non-work life.</p> <h2>9. You're Not Qualified</h2> <p>It's great to take on a new challenge, but it's important to be honest about your own talents and experience. We may be conditioned to fight off a fear of failure, but there are instances when those fears may be valid. If you enter into a job without the right skill set, you could find yourself with no career at all.</p> <h2>10. The Only Reason You're Considering It Is for the Money</h2> <p>A better paycheck is great motivation to climb the corporate ladder, but if it's the only reason you're even thinking about taking the job, turn it down &mdash; assuming the money isn't really needed.</p> <h2>11. The Job Doesn't Align With Your Values</h2> <p>If you're a vegetarian, would you enjoy being in charge of a marketing campaign for the beef industry? If you're a Quaker, could you be an engineer of a major weapons system? We all have values and beliefs that guide us, and working in any job that's contrary to those beliefs can make us miserable.</p> <h2>12. It's a Dead End</h2> <p>You may think that moving up the ladder is always good thing, but it's important to also think of the next step. Do you see a potential path to other opportunities within the company? Does this new job really add anything to your resumé? If you lose this job, will you be able to easily find a new one in the same field?</p> <p><em>Have you ever turned down a promotion? If so, why?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/tim-lemke">Tim Lemke</a> of <a href="http://www.wisebread.com/12-times-youre-better-off-without-a-promotion">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-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/avoiding-grass-is-always-greener-syndrome">Avoiding grass-is-always-greener syndrome</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/why-you-need-a-plain-text-resume-to-apply-for-jobs-online">Why You Need a Plain Text Resume to Apply for Jobs Online</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-15-coolest-silicon-valley-job-perks-you-wish-you-had">The 15 Coolest Silicon Valley Job Perks You Wish You Had</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/seven-tips-for-the-newly-unemployed">Seven Tips for the Newly Unemployed</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-signs-you-should-quit-your-job">8 Signs You Should Quit Your Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income careers job market jobs promotions Wed, 25 Feb 2015 10:00:05 +0000 Tim Lemke 1304052 at http://www.wisebread.com 7 Job Sectors Where Wages Are Growing http://www.wisebread.com/7-job-sectors-where-wages-are-growing <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-job-sectors-where-wages-are-growing" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-doctor-hospital-Dollarphotoclub_45628221.jpg" alt="doctor" title="doctor" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>The economy's improving, but certain industries are experiencing a greater rebound than others. And the data can be confusing, because &quot;job growth&quot; in reports refers to the number of jobs, not higher wages. (See also: <a href="http://www.wisebread.com/9-jobs-you-may-not-have-considered-but-should?ref=seealso">9 Jobs You May Not Have Considered &mdash; But Should</a>)</p> <p>Here are seven job sectors exhibiting salary increases according to the <a href="http://www.bls.gov/emp/ep_table_203.htm">Bureau of Labor Statistics</a>.</p> <h2>1. Home Health Care Services</h2> <p>As people live longer and are faced with the outrageous expense of inpatient services, many are opting for home treatment or outpatient clinics. Home health care services are far less expensive than inpatient services, people can recuperate and maintain their health in the comfort of their own homes, and it provides a greater sense of independence. As a result, home health care services are experiencing increased demand that is also driving up wages.</p> <h2>2. Individual and Family Services</h2> <p>Jobs in the individual and family services sector include services that improve the quality of people's lives, such as youth centers, foster care and adoption agencies, and after-school and mentoring programs. Elderly services include senior centers, adult daycare, and support groups. Drug and alcohol abuse treatment and prevention programs, parental support groups, and abuse intervention are also part of this industry. Jobs in these sectors include counselors, teachers, social workers, and case workers who need to increasingly take a holistic view of care and treatment.</p> <h2>3. Management, Scientific, and Technical Consulting Services</h2> <p>With many companies still shy to add full-time headcount to their payroll, and a robust freelance industry, it's no wonder that consultants with valuable business, science, and technical expertise are choosing to stay independent. They know how valuable they are and are demanding larger fees for their services as a result.</p> <h2>4. Computer Systems Design and Related Services</h2> <p>The line between our online and physical worlds is rapidly blurring. Computer systems are becoming increasingly sophisticated, and consumers have come to expect a beautiful, seamless online experience. It takes a lot of talent to create that elegance and keep our data safe at the same time. With an increased number of recent data breaches, cyber security is an ever more important aspect of design. The higher quality of design demanded, the higher the designer's salary.</p> <h2>5. Cement and Concrete Product Manufacturing</h2> <p>Construction in the residential and commercial sectors is booming, and that means cement and concrete are in high demand. What's interesting about this industry is that it's experiencing a fair amount of innovation, as well. Climate change is increasing sensitivity to our environmental footprint, and in constructing smart buildings that are energy efficient. As concrete and cement are a major component of construction, this boom is a rising tide that lifts all boats (and wages) for its workers.</p> <h2>6. Office Administrative Services</h2> <p>Office workers today are expected to do much more than answer phones and keep a calendar. They often function as an office manager, ensuring that productivity remains high for an entire team &mdash; or company. They must have sophisticated computer and technology skills, as well as knowledge of areas as varied as finance, accounting, and communications. And with greater knowledge comes higher wages.</p> <h2>7. Offices of Health Practitioners</h2> <p>As healthcare gets more technical and sophisticated, the offices of health care practitioners must follow. This means that the people who run these offices must also enhance their skills and knowledge to best communicate with patients, insurance companies, health care providers, and drug and medical equipment companies. This enhanced expertise and knowledge is highly valued in the market.</p> <p>If you're using the job market data when considering a career change, make sure to truly understand what data is being represented and what it means. Ideally, you want to match your interests to an industry with increasing wages and an increasing number of job opportunities. Happy hunting!</p> <p><em>Are you considering a career change?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/7-job-sectors-where-wages-are-growing">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/double-your-salary-with-this-simple-strategy">Double Your Salary With This Simple Strategy</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-simple-steps-to-discovering-your-true-salary-potential">6 Simple Steps to Discovering Your True Salary Potential</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-good-reasons-to-become-a-contractor">8 Good Reasons to Become a Contractor</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-besides-salary-to-negotiate-at-work">10 Things Besides Salary to Negotiate 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-hidden-costs-of-a-new-job">12 Hidden Costs of a New Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income career change job growth salary wage growth wages Tue, 24 Feb 2015 10:00:03 +0000 Christa Avampato 1302838 at http://www.wisebread.com 5 Ways Even Ordinary People Can Become Paid Models http://www.wisebread.com/5-ways-even-ordinary-people-can-become-paid-models <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-ways-even-ordinary-people-can-become-paid-models" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-model-photo-shoot-Dollarphotoclub_70347969.jpg" alt="woman model photo shoot" title="woman model photo shoot" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Some people are born genetically gifted. People like Gisele Bündchen, Adriana Lima, and Tyson Beckford may all work very hard to maintain their ravishing good looks, but let's be honest&hellip; they started with a huge advantage. And while beauty is in the eye of the beholder, these people are making millions because most people find them very easy on the eye.</p> <p>But what about the rest of us? Those who are real, regular, everyday Johns and Janes? What can we do to get a slice of the modeling pie? Well, it's not all about perfection (or a casting agent's interpretation of it anyway). Here are five ways you can get paid to be in front of the camera.</p> <h2>1. Take Advantage of Your Hands, Legs, and Feet</h2> <p>Sometimes, you don't need a great body, face, or physique to get paid big money for modeling. If you have the right <a href="http://www.bmamodels.com/hands_legs_feet">hands, legs or feet,</a> you can make some very good money modeling.</p> <p>One of the first advertising shoots I attended was for a financial company promoting DIY loans. We needed a shot of a guy's hand painting a wall. So, we hired a hand model. When he arrived he looked like the average guy you'd see in the street or at a ball game. But he was wearing gloves.</p> <p>When he took them off, his hands were flawless. Rugged, masculine, but with great skin and proportions, and perfect nails. He had a bag with him that contained all of his equipment and supplies, including a manicure set, lotions, creams, and balms.</p> <p>If you have nice hands, legs or feet, you could earn <a href="http://www.cnn.com/2009/LIVING/personal/08/10/hand.modeling/index.html?iref=24hours">as much as $1,200 per day</a>! However, you may not be able to help with the dishes going forward&hellip; which is another plus!</p> <h2>2. Contact Model Agencies Specializing in &quot;Ugly&quot; People</h2> <p>That is a horrid word to describe anyone, but it has become something of an acceptable word in the modeling industry. As it turns out, if you're not perfect, you're ugly. And there is an awful lot of demand for ugly people, which is a category I apparently fall into.</p> <p>Take a look around <a href="http://www.ugly.org/UGLY-MODELS/index.php/about-us.html">Ugly Models</a>, and you'll see that the site is filled with people who are simply not supermodel material. They may be taller, shorter, fatter, thinner, or plainer than your typical supermodel. But they are by no means ugly. Many are actually very good looking; most are average or above average in the looks department. They represent the vast majority of us all, and get paid well to do so.</p> <h2>3. Model for Life Drawing Classes</h2> <p>If you are not shy and want to earn a little extra money, there is great demand for life models who are &quot;real&quot; people. I speak from experience on this one. I studied fine art and visual communication at college, and life-drawing classes were mandatory. By far the most boring people to draw were those with no character; people with no visible body fat, no wrinkles, no scars, no signs of aging. We used to call them mannequins.</p> <p>When a 60 year old guy with 50 pounds of extra huggability undressed, we all knew we were going to get something much more interesting for our portfolio. People who are taller, shorter, or just more unusual, were always favored by the class.</p> <p>Now, your first few times will be tough. You have to go through a lot, and you don't get paid very much. Expect just $40-$50 for three hours of work, which includes a large variety of poses, and a lot of time spent sitting very still. The easiest way to get work is simply to call the local art schools and studios in your area. There will always be work, if you have the nerve!</p> <h2>4. Model for Catalogs</h2> <p>Clothing catalogs, tool catalogs, and even gardening catalogs do not want to feature high-end models or stunningly attractive people in their publications. They want real people with regular bodies and common features. The reason? They don't want you looking at the people, they want you looking at what they're wearing or using.</p> <p>Now, they also don't want people who are considered overweight or obese, unless they market those specific types of clothing. But yes, you can find modeling work if you are very overweight, especially now that a large percentage of the U.S. population is obese. Do some research for terms like &quot;overweight models&quot; or &quot;plus size modeling work.&quot; Men, women, and children of all sizes can find work in the <a href="http://www.ehow.com/how_2352519_become-catalog-model.html">catalog industry.</a></p> <h2>5. Become a Background Artist, or &quot;Extra&quot;</h2> <p>Imagine if movies and TV shows were only filled with the most beautiful people in the world? It would completely remove you from the world the directors and scriptwriters were trying to create. It's for that reason that there will always be paid work for background artists.</p> <p>You can find extras work much more easily if you live in a place that is known for making lots of movies and TV shows. For that reason, L.A., New York, and Chicago will always be top of the list. <em>But</em>, there are movies and shows being made all the time in every city, including yours. <a href="http://www.wikihow.com/Become-an-Extra-in-a-Movie">Wikihow</a> has some great advice on becoming an extra, and it's not difficult. You will need a headshot (which you'll require for any other kind of modeling work anyway) and a flexible schedule. Most of the work involves standing around waiting for the director to yell &quot;action.&quot; You most likely won't have a speaking role for many years, which is why you're basically being paid to be a &quot;moving model.&quot; It can also be a very fun way to meet people, and add a splash of color to your resume.</p> <p><em>Have you ever been paid to model?</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/5-ways-even-ordinary-people-can-become-paid-models">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/8-truths-from-a-mystery-shopper-you-must-read-before-you-get-started">8 Truths From a Mystery Shopper You Must Read Before You Get Started</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-side-jobs-for-stay-at-home-moms-and-dads">12 Side Jobs for Stay-at-Home Moms and Dads</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-ways-to-earn-extra-cash-when-money-is-tight">9 Ways to Earn Extra Cash When Money Is Tight</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/30-great-side-jobs">30 Great Side Jobs</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/5-more-fun-money-making-ideas">5 More Fun Money-Making Ideas!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income modeling side hustle side jobs Mon, 23 Feb 2015 10:00:09 +0000 Paul Michael 1300247 at http://www.wisebread.com Brian Williams' $5 Million Fib: 4 Little Lies that Can Cost You Your Job http://www.wisebread.com/brian-williams-5-million-fib-4-little-lies-that-can-cost-you-your-job <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/brian-williams-5-million-fib-4-little-lies-that-can-cost-you-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/businessman-contemplating-Dollarphotoclub_50735780.jpg" alt="businessman contemplating" title="businessman contemplating" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>It was a $5 million fib. Maybe even more expensive than that. <em>NBC Nightly News</em> anchor Brian Williams' war story tall tale cost him six months pay, and considering his freshly signed five-year, $50 million contract, that's an expensive white lie. The fact is, he's likely never to return to the anchor desk at NBC, so his out-of-pocket penalty could be much larger.</p> <p>He fell into a surprisingly easy trap: stretching the truth so far as to finally reach the breaking point. It's something celebrities tend to do often &mdash; start believing their own press hype. But we're all prone to tell a &quot;harmless&quot; little falsehood now and then. <em>Your baby is so cute! No, those pants don't make your butt look big. The check is in the mail.</em> We all know the routine.</p> <p>And it's something we do at work, too. Well, we can't be brutally honest at all costs and there is a certain amount of gamesmanship in being gainfully employed, right? We're not really going to tell our boss she's gained a few pounds, are we? But little lies can compound over time &mdash; as Brian Williams well knows &mdash; and can take on a life of their own, if we're not careful. Here are six workplace white lies to avoid.</p> <h2>Taking Credit for Something You Didn't Do</h2> <p>You think people won't find out but they will. <a href="http://www.natcom.org/CommCurrentsArticle.aspx?id=1022">One survey</a> noted the most frequent workplace lie involves using deception to discredit other employees while attempting to make themselves look better to the organization. Brian Williams was &quot;taking credit&quot; for <a href="http://www.pbs.org/newshour/rundown/nbcs-brian-williams-apologizes-false-iraq-war-story/">risking life and limb</a> on a helicopter in a war zone. Certainly without meaning to he may have, to some small degree, discredited members of the military &mdash; often in harm's way &mdash; <a href="http://www.stripes.com/news/us/nbc-s-brian-williams-recants-iraq-story-after-soldiers-protest-1.327792#.VNKWQdl3NjQ.twitter">who took offense</a> with his &quot;faulty memory.&quot;</p> <h2>Lying on a Resume</h2> <p>In a <a href="http://www.careerbuilder.com/share/aboutus/pressreleasesdetail.aspx?sd=8%2F7%2F2014&amp;id=pr837&amp;ed=12%2F31%2F2014">survey</a> conducted last year by Career Builder, 58 percent of hiring managers said they've caught a lie on a resume. And in an increasingly competitive job market, the problem is getting worse. One-third (33 percent) of those same employers said they've seen an increase in resume embellishments since the recession.</p> <p>It's not just about lying about the length of employment or education, either. One applicant claimed to have 25 years of experience &mdash; at the age of 32! Whoops. Half of employers surveyed (51 percent) said that they would automatically dismiss a candidate if they caught a lie on their resume.</p> <h2>Professing Competence in Something You Know Little About</h2> <p>It might start out with, &quot;Sure, I know how to use QuickBooks,&quot; and end up being &quot;...well, I thought I could figure it out.&quot; That same Career Builder survey said it was one of the most common resume lies &mdash;&quot;embellished skill set&quot; &mdash; committed by 57 percent of those seeking to stretch the truth on their applications. And again, over half of employers surveyed saw resume fibs as grounds for dismissal.</p> <h2>Make Promises You Can't &mdash; or Don't Intend &mdash; to Keep</h2> <p>As customers, we've often been on the receiving end of this white lie. &quot;Your table will be ready in five minutes.&quot; Thirty minutes later, we're still waiting &mdash; hungry and irritable. Sales training professionals often preach a mantra of &quot;under promise and over deliver&quot; to trainees, looking to build a culture of surprising customers, in a good way.</p> <p>And one final thought about lying &mdash; non-work related. A recent survey said that 7 million Americans lie to their spouse or significant other about matters of money. In fact, one-quarter of adults under 30 admitted to being less than honest with the one they love about debt, spending, hidden accounts or other financial falsehoods. Being open and honest about money is important in a relationship.</p> <p>Losing a love is much worse than losing a job.</p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/hal-m-bundrick-cfp">Hal M. Bundrick CFP</a> of <a href="http://www.wisebread.com/brian-williams-5-million-fib-4-little-lies-that-can-cost-you-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-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/women-and-wall-street-is-the-romance-gone">Women and Wall Street: Is the Romance Gone?</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-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-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/you-re-fired-20-signs-that-a-pink-slip-is-coming">You’re Fired! 20 Signs That a Pink Slip is Coming</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-ways-to-improve-your-performance-at-work">12 Ways to Improve Your Performance 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/gas-prices-begin-a-rebound-5-things-to-know-now-before-you-buy-your-next-car">Gas Prices Begin a Rebound: 5 Things to Know Now Before You Buy Your Next Car</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career Building Financial News brian williams Sun, 22 Feb 2015 07:42:00 +0000 Hal M. Bundrick CFP 1304298 at http://www.wisebread.com 5 Things People Who Have Their Dream Jobs Do http://www.wisebread.com/5-things-people-who-have-their-dream-jobs-do <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/5-things-people-who-have-their-dream-jobs-do" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy-businessman-coworkers-thumbs-up-Dollarphotoclub_53441384.jpg" alt="happy businessman" title="happy businessman" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>While there are no hard and fast rules on how to get your dream job, there <em>are</em> some amazing consistencies among people who have their ideal careers. Some of these are arguably personality traits common to &quot;A types&quot; or high achievers. Other commonalities, however, are actionable habits that the rest of us can put into practice to reach our goals. (See also: <a href="http://www.wisebread.com/make-your-dream-career-a-reality-for-less-than-100?ref=seealso">Make Your Dream Career a Reality With Less Than $100</a>)</p> <p>Consider these five things you could be doing to have your dream job.</p> <h2>1. Get Up Early</h2> <p>So many people who are enjoying their dream job insist on getting up before the crack of dawn to demolish goals while the rest of the world is in bed. For the 9 to 5'er, this makes sense, but not all jobs are cut from the same cloth.</p> <p>If you enjoy a career in a niche that operates on a different work schedule (restaurant work or athletics, for instance), getting up &quot;early&quot; may not be enough. It may involve setting the alarm for an hour before the accepted standard start time for your industry and busting down barriers at 8 a.m., 8 p.m., or anytime in between. The point is to be motivated enough to get a headstart on the day and take advantage of the extra time and energy in order to excel.</p> <h2>2. Do It Better</h2> <p>Being first to market with a solution isn't as important as it used to be. Now that technology creates a level playing field for everyone with a good idea, it's near impossible to take your brilliant &quot;a-ha&quot; moment to market before anyone else thinks of it. Instead, it's now more important to be the &quot;best&quot; rather than simply being &quot;first.&quot;</p> <p>Many technology services are proof of this phenomenon: Just look at how <a href="http://www.businessinsider.com/10-first-to-market-companies-that-lost-out-to-latecomers-2009-11?op=1">Betamax, Everquest, and Rio</a> lost out to later, more innovative products. This can translate to the individual, as well. Most dream jobbers I know took existing ideas and made them more customer-friendly, more beautiful, or more affordable for the masses.</p> <h2>3. Be Likeable</h2> <p>One could argue that being great at your job is enough, and that personality is an added little bonus that can't hurt when needed. Unless you want your career to be mired in drama, however, being unlikeable can lead others to question your professional capabilities (just ask Mark Zuckerberg, Facebook's &quot;King&quot; of bad buzz).</p> <p>Unless you're independently wealthy and completely risk-proof, there is always a financial and professional incentive to play nicely with others. Being at least moderately likeable can get your far, and more traditional companies will be more likely to work with someone who won't constantly rock the boat.</p> <h2>4. Connect Socially With Professionals &mdash; Online</h2> <p>Millennials are figuring out that there really isn't much of a blur between online and IRL (&quot;in real life&quot;) worlds, especially when it comes to social interactions. Applying that mentality to professional interactions could be the key to getting your dream job.</p> <p>Sites like LinkedIn are making it all too easy to get your professional profile out there, yet too many professionals try to keep their online and IRL spheres distinctly separate. Here's an idea: Stop doing that. Being professional in all of your online dealings showcases your business potential, as well. Not only will you blow the socks off recruiters and talent scouts, but you'll never have to worry about your Tumblr account biting you in the backside because you posted something uncouth.</p> <h2>5. Remain Focused, Yet Flexible</h2> <p>Whatever field you decide to dominate, stay true to your strengths, and take every opportunity to polish those specific skills you feel will shine the brightest in your chosen specialty. If you program, be certain to stay top of new technologies; if you write, get down to the nitty gritty of your craft by reading widely and studying the best in your niche. But don't limit yourself to job offers or opportunities in your field. The best players stay true to their skillset, but are daring enough to go outside of their anticipated category of work. Co-mingle with others outside of your realm to see how your special skillset can be applied in different industries.</p> <p>Of course, if you find that any of the above behaviors are out of your wheelhouse, you can always take the advice of <a href="http://www.cnn.com/2014/10/15/opinion/rowe-right-career/">Dirty Jobs guru Mike Rowe</a>, who tells people to, quite simply, do away with the dream job mentality. Finding contentment in your existing job isn't a crime, and may lead to better overall satisfaction in other areas of your life.</p> <p><em>Have you found your dream job? How did you get there?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/linsey-knerl">Linsey Knerl</a> of <a href="http://www.wisebread.com/5-things-people-who-have-their-dream-jobs-do">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/the-8-worst-things-good-employees-do">The 8 Worst Things Good Employees Do</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/turn-your-passion-into-a-living">Turn Your Passion Into A Living</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/11-famous-failures-that-led-to-success-and-the-lessons-they-teach">11 Famous Failures That Led to Success (And the Lessons They Teach)</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/tips-for-finding-legitimate-work-at-home-opportunities">Tips for Finding Legitimate Work at Home Opportunities</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/what-is-your-dream-job">What Is Your Dream Job?</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income dream job job promotion success Thu, 19 Feb 2015 10:00:05 +0000 Linsey Knerl 1299783 at http://www.wisebread.com 6 Simple Ways to Market Your Side Business http://www.wisebread.com/6-simple-ways-to-market-your-side-business <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/6-simple-ways-to-market-your-side-business" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/businessman-marketing-notepad-desk-Dollarphotoclub_70821536.jpg" alt="businessman marketing" title="businessman marketing" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>When you run a side business &mdash; especially when you're first starting out &mdash; you usually don't have very much money. Most advertising is out of reach for people running businesses on the side, and many free marketing techniques require so much energy that they aren't worth it, either. (See also: <a href="http://www.wisebread.com/7-ways-to-generate-new-leads-for-your-side-business?ref=seealso">7 Ways to Generate New Leads for Your Business</a>)</p> <p>However, there are some fabulous ways to generate customers for your side gig without killing yourself in the process. Read on to find out what has worked for me &mdash; and countless other folks.</p> <h2>1. Word of Mouth (Referrals)</h2> <p>This is the simplest way possible to get more business. If you do good work, your customers will put other people in touch with you, and your business will grow organically.</p> <p>Word of mouth is one of the best ways to grow your business, because people trust their friends and loved ones more than they trust a website or a listing in the phone book. However, it can be slow.</p> <p>If you want to speed things up, it's quick and easy to ask your customers to be sure to tell their friends about you. You can even create incentives &mdash; maybe offer a discount on their next purchase if they refer two people to you who actually buy something.</p> <h2>2. Make Real Connections With Customers</h2> <p>If you want your customers to connect you with their friends and family members, you'll want to forge a solid connection with them. If your business allows you time to interact, be sure to make the most of that. As appropriate, share your story and that of your business &mdash; let them know why you do what you do.</p> <p>Even if you don't have the chance to talk, you can find other ways connect with people. It's easy to include a handwritten note if you're sending a product, or a &quot;thank you&quot; card when you're finished working with someone. Anything that shows you spent a little extra time and energy to personally interact with them will make them feel closer to you.</p> <h2>3. Social Media</h2> <p>Having an active social media presence can help almost any business. It usually takes some trial and error to figure out where your customers are hanging out online, when they're there, and what they'd like to hear from you. Spend some time experimenting, so you can maximize your time and energy later.</p> <p>Most businesses find customers via Twitter and/or Facebook, though some (such as clothing, art/design, or food businesses) find that Instagram is a better choice. You may even find that LinkedIn is the best place to find your customers &mdash; especially if you're in a B2B or professional services field.</p> <p>The beauty of social media is that it can potentially find customers for you, so the more viral or shareable your content, the better. Before you post to social media, ask yourself: &quot;Do people want to read or look at this? And would they want to share it with their friends?&quot; If you can answer those two questions in the affirmative, you're on your way to building a successful social marketing program.</p> <h2>4. Give Something Away</h2> <p>People are often reluctant to purchase something the first time they hear about it, but they usually aren't hesitant to try something that's offered for free. What you give away depends on what your business offers. In general, it's simple to compile some blog posts into an ebook, create a downloadable infographic, or make a template that potential customers can try for free.</p> <p>Offering something for free not only allows potential customers to get an idea of the expertise you offer, but also gives them just a taste of how you work and what you might be like to work with. This can go far towards reassuring them that doing business with you is worth their while.</p> <h2>5. Join a Chamber of Commerce</h2> <p>Most cities offer chamber of commerce networking events. Some will bring in a speaker, while others will offer cocktails at a meet-and-greet. Joining these groups is usually cheap or free, and can connect you to people in your community who might need what you're offering. Even if they don't need it, though, making the connection means you'll be closer to the top of their list when they meet someone who <em>does</em> need what you offer.</p> <p>It can be hard to get to these meetings if you're still working full-time. But a few of these groups offer online networking as well, and some entrepreneurs opt to take time off from work to attend. It's worth looking into it, and if you find yourself getting a lot of business via your contacts at the meetings, you can decide how to invest yourself further.</p> <h2>6. Offer a Groupon</h2> <p>Some side businesses find that offering a deal via <a href="http://www.tkqlhce.com/click-2822544-10788528">Groupon</a> or <a href="http://www.tkqlhce.com/click-2822544-11429060">LivingSocial</a> is a great marketing tactic. It gets new people in the door, where you can <em>wow</em> them with your amazing presence, products, or expertise.</p> <p>The idea is to keep people coming back for more. In reality, there are a good number of <a href="https://www.americanexpress.com/us/small-business/openforum/articles/should-your-business-offer-a-groupon-deal/">pros and cons</a> to offering a deal like this. You will need to decide whether you can structure a deal so that you will still make money, and what you will do to bring people back after their first interaction with you. If you think you can make it work, the actual offering of the Groupon is an easy process.</p> <p><em>What's your side gig (or your dream side gig)? How do you (or would you) market it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/sarah-winfrey">Sarah Winfrey</a> of <a href="http://www.wisebread.com/6-simple-ways-to-market-your-side-business">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/11-ways-to-earn-extra-cash-from-thrift-stores">11 Ways to Earn Extra Cash From Thrift Stores</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/16-festive-ways-to-make-extra-money-for-the-holidays">16 Festive Ways to Make Extra Money for the Holidays</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-5-worst-work-from-home-jobs">The 5 Worst Work From Home Jobs</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/watching-tots-how-to-get-started-in-babysitting">Watching Tots: How to Get Started in Babysitting</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/8-truths-from-a-mystery-shopper-you-must-read-before-you-get-started">8 Truths From a Mystery Shopper You Must Read Before You Get Started</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income marketing promotions side gig side job Tue, 17 Feb 2015 10:00:07 +0000 Sarah Winfrey 1289849 at http://www.wisebread.com 11 Ways to Earn Extra Cash From Thrift Stores http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/11-ways-to-earn-extra-cash-from-thrift-stores" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/woman-thrift-shopping-shoes-Dollarphotoclub_53295669.jpg" alt="woman thrift shopping shoes" title="woman thrift shopping shoes" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>As a single parent, I'm always looking for ways to save money. I've always loved thrift stores, and have found some great clothing, DVDs, books, collectibles, and pieces of furniture at my local shops. But things got really interesting six months ago when I came across an item that I didn't really want, but knew was valuable. It was a Coogi sweater; the kind worn by Bill Cosby in the 80s. Definitely not my style, but highly collectible and worth at least 10 times the $5.99 asking price. (See also: <a href="http://www.wisebread.com/5-things-you-can-resell-on-ebay-that-make-the-most-money?ref=seealso">5 Things You Can Sell on eBay That Make the Most Money</a>)</p> <p>I bought it, sold it on eBay, and since then I have turned my thrift store runs into a way of not just saving money &mdash; but making money. It's not a new concept. Many people make a good living from thrift stores, but I have a full time job and cannot dedicate all of my time to it. If you're selective, and follow these guidelines, I guarantee you will make an extra $200-$300 every month on eBay and Craigslist just by visiting a few thrift stores several times a week.</p> <h2>1. Always Have Your Smartphone on You</h2> <p>When I first started out, I had absolutely no clue what was valuable, and what was junk. I got lucky with the Coogi sweater, but I knew there were valuable items in the stores just hiding on the shelves. So, I took advantage of my smartphone. What you need to do is use eBay as a research tool. Here's how.</p> <p>When you see an item you think may be valuable, grab your phone.</p> <p>Go to eBay, do a search for it, and then refine it to look for SOLD ITEMS. (Never look at current listing prices; someone could be asking $800 for an old watch, but it doesn't mean they'll ever get that.)</p> <p>Next, look at the sort order of prices from highest to lowest, including shipping. You now know what someone is willing to pay for that item. Also, do it in reverse order, from lowest to highest. This shows you what you may actually get, and if it's worth your time and money.</p> <p>By using your smartphone in this way, you take almost 90% of the guesswork out of thrifting for profit.</p> <h2>2. Be Prepared to Take Your Time</h2> <p>My best finds have come from taking my time, and looking in each section carefully. To date, my most successful purchase was a beauty product that I bought for $6 and sold for $141. I found it nestled at the back of a shelf filled with old plastic cups and plates. You can sometimes do a quick 30-minute tour on your lunch break, if you have a store close to you, but you will almost certainly miss things.</p> <p>If you want to make this a successful venture, get to know your local thrift stores well, and learn the layout. I always start in the electronics aisle, then go to toys, followed by sweaters, shirts, knick-knacks, and then books and media. That's just my routine, and it works for me. Have a plan, and scan the shelves and racks of clothes more than once. You will miss things if you just walk through in a hurry.</p> <h2>3. Know Your Best Bets</h2> <p>Over time, you will know what sells well, and what doesn't. For me, vintage sweaters, classic video games, Disney snow globes, and blank media (especially cassette tapes and computer disks) always sell quickly. You will probably have different best sellers, depending on your own level of expertise, and passion for selling the item. If you are in a rush, hunt for those items first.</p> <h2>4. Think About the Profit/Time/Work Scenario</h2> <p>If you see a product that costs $10, that will likely make $20, it's more of a risk than a product that will make the same but costs only $1. It's only a difference of $9, but the initial outlay is much smaller.</p> <p>Similarly, if you see something that costs $40 but will easily sell for $100, your outlay is greater but your return is excellent. Sometimes, as I have so much to list, I will pass on items like the first one I mentioned. It takes time to photograph and list things, and it's often not worth the effort when you could be listing something that could make you a lot more money. But once again, if the initial spend was almost nothing, that changes the game a little.</p> <h2>5. Use the Color Coded System to Your Advantage</h2> <p>Every major thrift store, from Goodwill and Savers to ARC and The Salvation Army, has a color coded system. Every item has a price tag of a specific color, and each week, one color will be 50% off (the exception is Goodwill). If you shop wisely, you can pick up some valuable items for half-price &mdash; or even one dollar. Today, I picked up four beautiful framed posters for 99 cents each. They're big, and they would cost at least $20 each in the store. I have found video gaming systems, VHS, DVD and Blu-Ray players, speakers, suits, keyboards, and even wedding dresses for just 99 cents. These are no brainers. You can easily turn a profit from them.</p> <h2>6. Keep Track of Your Expenses and Profits</h2> <p>It's easy to think you're making money when you see the sales start rolling in from eBay or Craigslist. But if you buy 10 items and only sell one of them, are you losing money? Sometimes it's not the case. Buy 10 items for $25, sell only one of them for $50, and you're in profit whether you sell the others or not.</p> <p>A simple spreadsheet (you can find free templates online) will help you. Just write down the item, what you paid, when you bought it, what it sold for, and how much it cost to ship (sometimes you may have to offer free shipping to get someone to bite). If you're always making money, you're good to go. If you buy too much, and aren't making your money back, you need to rethink your strategy.</p> <h2>7. Don't Forget Yourself and the Kids</h2> <p>Many times, you will get so focused on making money that you will forget the real reason you went to the thrift store in the first place. I have found a lot of awesome items for the home, the kids, and even myself. If you know you need something, keep a list and remember to check it before you go into the thrift store. You can even find new name-brand laundry detergents, socks, light bulbs, and gloves for a lot less than you'd pay in stores like Target or Walmart.</p> <h2>8. Examine and Test Everything</h2> <p>Thrift stores actually have a very generous return policy, usually 10 days for most items. If you don't have the chance to test something in store, do it as soon as you get home. It's not a great deal if it doesn't work (with a few notable exceptions), and you won't be able to turn a profit on a broken, torn, or stained item.</p> <p>The major exceptions are vintage electronic items, and new high-end consoles. If someone has given them to a thrift store, they are most likely broken. Still, you can get a surprising amount of money for broken electronics. I recently paid $2.99 for an old Sony Walkman and sold it as-is for over $70. There are people willing to pay for them, and do the repairs themselves. I also found a PS3 for $10. Even broken, they sell for over $50 (usually they're stripped down for parts).</p> <h2>9. Old Doesn't Mean Expensive</h2> <p>It's easy to think that older item, especially something that looks antique, can be very valuable. This is when a smartphone is invaluable. Many times, you may see a 70s board game, or 50s kitchen gadget, and think it has to be collectible. Not so. They are often very common, and you could end up losing money.</p> <h2>10. Very Valuable Is Very Rare</h2> <p>You hear stories of people finding million dollar dishes, or long lost paintings that could set you up for life. The odds of finding these items like these are about the same as winning the lottery. Thrift stores have people who usually know what to look for. Obviously, things fall through the cracks, but don't depend on a big score. Solid silver or gold jewelry, utensils, or tea sets are almost impossible to find, too.</p> <h2>11. Don't Expect Miracles Immediately</h2> <p>It takes time to get to know your thrift stores, and how to navigate them. After a few months, you'll start getting a nose for valuable items, and also know what to avoid. Put the time and effort in, and you'll find that thrift stores are a lucrative way to save, <em>and earn</em>, money for you and your family. Good luck, and happy thrifting!</p> <p><em>Do you earn money from your thrift store finds? What are your secrets?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/11-ways-to-earn-extra-cash-from-thrift-stores">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/single-parent-try-these-10-tricks-for-entertaining-kids-on-a-budget">Single Parent? Try These 10 Tricks for Entertaining Kids on a Budget</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/24-tips-for-having-a-baby-without-going-broke">24 Tips for Having a Baby Without Going Broke</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-simple-ways-to-market-your-side-business">6 Simple Ways to Market Your Side Business</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/reselling-antiques-the-five-principles-of-power-picking">Reselling Antiques: The Five Principles of Power Picking</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/free-ways-to-celebrate-mothers-day">Free Ways to Celebrate Mother&#039;s Day</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Extra Income Family Lifestyle side gig single parents thrift store Mon, 16 Feb 2015 18:00:08 +0000 Paul Michael 1289825 at http://www.wisebread.com The 15 Coolest Silicon Valley Job Perks You Wish You Had http://www.wisebread.com/the-15-coolest-silicon-valley-job-perks-you-wish-you-had <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/the-15-coolest-silicon-valley-job-perks-you-wish-you-had" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/friends-playing-guitar-tech-office-Dollarphotoclub_76816651.jpg" alt="friends playing guitar" title="friends playing guitar" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>So your job offers the full slate of benefits &mdash; dental, vision, 401(k)? Unimpressive.</p> <p>Skilled tech workers are in such high demand in Silicon Valley that the typical employee benefit package is just the beginning for many firms. As they compete for workers &mdash; and for media attention &mdash; companies have reached beyond once-novel perks such as on-site gourmet meals and dry cleaning. Nowadays, it's a race to see whose office is the most like a playspace, who soothes employees' work/life struggles the most handily, and sometimes, whose perks are the most outlandish.</p> <p>Here's a rundown of the coolest job perks you might enjoy if you get hired by a technology company in or around Silicon Valley.</p> <h2>1. Here Today, Gauntlet Tomorrow</h2> <p>Having a few working vintage video game cabinets around is nothing new for Silicon Valley, but a company called All You Can Arcade has enabled some companies to up the ante. <a href="http://www.sfgate.com/technology/article/Old-arcade-games-getting-a-2nd-life-4718864.php">All You Can Arcade rents out classic games</a> by the month, and will switch out Millipede for Donkey Kong as soon as employees get bored.</p> <h2>2. A Room of Ones Ohm</h2> <p><a href="http://oakland.impacthub.net/join/">Impact Hub Oakland</a>, a co-working space, offers members a meditation room as well as desks and conference rooms. At Eventbrite, the <a href="https://www.eventbrite.com/jobs/">Zen Room</a> can be used for getting a massage or napping as well as meditating.</p> <h2>3. Trike Time</h2> <p>When introducing the concept of &quot;funnovation&quot; to its staff, Ask.com bought some <a href="http://www.sfgate.com/business/article/Ask-com-is-using-funnovation-to-stay-relevant-4362093.php">adult-sized Big Wheel-style bikes</a> for hallway drag races. Yes, there have been accidents, but no major carnage was reported.</p> <h2>4. Janitors Who Make House Calls</h2> <p>Redwood City's Evernote provides a <a href="http://www.nytimes.com/2012/04/08/business/phil-libin-of-evernote-on-its-unusual-corporate-culture.html?pagewanted=2&amp;_r=3&amp;smid=fb-share">twice-monthly cleaner</a> to all full time employees to help them make the most of their off hours.</p> <h2>5. Eggs on Ice</h2> <p>Many Silicon Valley companies offer fertility treatments as part of their health benefit plans, but Apple recently upped the ante by paying for female employees to freeze their eggs to ensure future fertility. Facebook added egg freezing to its benefits coverage, too.</p> <h2>6. Free Food 2.0</h2> <p>Free meals at work is so 1999. Facebook and Genentech are among the companies that also provide employees with <a href="http://www.nytimes.com/2012/10/20/us/in-silicon-valley-perks-now-begin-at-home.html?pagewanted=all">dinners to take home</a> to the family. And when you do eat at work, expect to eat in a restaurant with a name, like Facebook's Epic Cafe, headed by a chef <a href="http://usatoday30.usatoday.com/tech/news/story/2012-07-04/silicon-valley-perks/56021130/1">lured away from a nice restaurant</a>. And a specialty butcher. And a free candy shop.</p> <h2>7. Clothes That Don't Stink</h2> <p>Facebook offers free wash-and-fold service.</p> <h2>8. Haircuts</h2> <p>Facebook again. Remind me to send them my resume.</p> <h2>9. Unlimited Vacation</h2> <p>Netflix <a href="http://www.wsj.com/articles/SB10001424052702304203304576446303194747300">stopped tracking workers' vacation</a> days back in 2004, and since then unlimited vacation has become trendy with tech companies. But critics point out that having no set number on vacation days may lead employees to take less time away.</p> <h2>10. Vacation Cash</h2> <p>Evernote encourages employees to use that unlimited vacation time by giving employees <a href="http://www.nytimes.com/2012/10/20/us/in-silicon-valley-perks-now-begin-at-home.html?pagewanted=all&amp;_r=0">$1,000 to spend on</a> the road, with the caveat that it has to be &quot;a real vacation.&quot;</p> <p>&quot;You can't visit the in-laws; you have to go somewhere,&quot; CEO Phil Libin told the New York Times. Airbnb also lists an &quot;<a href="https://www.airbnb.com/jobs">annual travel credit</a>&quot; as a perk.</p> <h2>11. Field Trip</h2> <p>In an unusual twist on the working vacation, Expensify takes its entire staff on a <a href="http://we.are.expensify.com/offshoring/">working vacation</a> for a month each year. So far they've temporarily relocated to Croatia, Thailand, Vietnam, the Philippines, Turkey, India, and Mexico.</p> <h2>12. Baby Cash</h2> <p>Google offers new parents $500 &quot;baby bonding bucks,&quot; but that's nothing compared to <a href="http://www.nbcnews.com/news/us-news/perk-facebook-apple-now-pay-women-freeze-eggs-n225011">Facebook's $4,000</a>.</p> <h2>13. Parental Leave</h2> <p>That might not seem like a cool perk, until you realize that most U.S. companies provide new parents with <em>no paid leave at all</em>. But at Facebook and Reddit, you can get four months of <a href="http://www.motherjones.com/politics/2013/05/silicon-valley-maternity-leave-paternity-leave">maternity or paternity leave</a>.</p> <h2>14. Secret Room</h2> <p>San Francisco's Weebly's headquarters has a history linked to Prohibition, leaving it with a <a href="http://techcrunch.com/2013/03/05/tc-cribs-a-look-inside-weebly-the-land-of-prohibition-era-tunnels-and-shh-secret-rooms/">secret meeting room</a> behind a bookshelf and a network of tunnels employees can explore.</p> <h2>15. Jam Room</h2> <p>Weebly advertises a &quot;fully equipped jam room&quot; for employees with musical proclivities. At Social Print Studios, the jam room allows for recording songs or videos.</p> <p><em>So when are we loving to Silicon Valley?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/carrie-kirby">Carrie Kirby</a> of <a href="http://www.wisebread.com/the-15-coolest-silicon-valley-job-perks-you-wish-you-had">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-9"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-perks-you-should-be-demanding-from-your-employer">6 Perks You Should Be Demanding From Your Employer</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/will-companies-ever-woo-again">Will Companies Ever Woo Again?</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/got-a-new-job-heres-your-financial-to-do-list">Got a New Job? Here&#039;s Your Financial To-Do List</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/why-you-need-a-plain-text-resume-to-apply-for-jobs-online">Why You Need a Plain Text Resume to Apply for Jobs Online</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income benefits jobs perks Silicon Valley tech jobs Mon, 16 Feb 2015 10:00:14 +0000 Carrie Kirby 1289631 at http://www.wisebread.com 7 Great Jobs That Won't Be Lost to Technology http://www.wisebread.com/7-great-jobs-that-wont-be-lost-to-technology <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-great-jobs-that-wont-be-lost-to-technology" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-teacher-classroom-Dollarphotoclub_58586153.jpg" alt="man teacher classroom" title="man teacher classroom" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Technology has been changing the way we work since the start of time. And you know what? We're still here &mdash; and still working. (See also: <a href="http://www.wisebread.com/robots-will-take-over-these-5-jobs-soon-is-one-of-them-yours?ref=seealso">Robots Will Take These 5 Jobs Soon &mdash; Is One of Them Yours?</a>)</p> <p>If you're worried that robot workers will replace humans entirely someday, relax. These seven jobs that are here to stay.</p> <h2>1. Educator</h2> <p>Sure, technology has played a huge role in transforming the field of education. Self-directed, online learning is now available to just about anyone anywhere who has the interest and an internet connection. What <em>hasn't</em> changed is that people are still needed to put together curriculums sensitive to changing student needs, provide individualized tutoring and support, and challenge students to think critically about the material.</p> <h2>2. Coaches and Athletic Trainers</h2> <p>A 2013 study by Benedikt Frey and Michael Osborne called &quot;The Future of Employment&quot; lists athletic trainers as one of the <a href="http://www.oxfordmartin.ox.ac.uk/downloads/academic/The_Future_of_Employment.pdf">career paths least likely to be impacted by technology</a>. Why? Because no matter how realistic your Wii, engaging in competitive sports or fitness requires a more human approach to help motivate and maximize your progress.</p> <h2>3. Editors</h2> <p>Sure, the Associated Press and other major publications may be experimenting with computer-written news &mdash; but while churning out simple, formulaic stories might become robot's work soon, editing lengthy features, opinion pieces, or books <em>won't</em>. That's because editing isn't just about replacing misplaced commas &mdash; it's also about making writing flow more smoothly and read more enjoyably. Can you imagine a robo-editor trying to improve Shakespeare or Voltaire?</p> <h2>4. Therapists and Clergy</h2> <p>Those who help us heal our minds and bodies and guide our spiritual lives play a special and irreplaceable part in society. Therapists and clergy members provide compassionate, caring, and thoughtful help which cannot be adequately replicated by machines. Like anything requiring real kindness, wisdom, and generosity, these jobs are unlikely to be replaced by technology; unsurprisingly, The Future of Employment study cites these professions as particularly safe from robo-replacements.</p> <h2>5. Chef</h2> <p>George Jetson may have popped a few highly nutritious pills and called it a meal, but we are far from that scenario. Though technology is improving agriculture, food preparation methods, and impacting the cost and quality of food everywhere, the human touch is still what makes a gourmet meal truly special. Culinary ingenuity and a creative palate can't be supplanted by technology. With that reality firmly in place, chefs will always be needed.</p> <h2>6. Health Care Professionals</h2> <p>People are living longer thanks to modern medicine. People are also developing increasingly complex diseases and disorders as a result of living longer. These two facts are driving the need for doctors, nurses, and medical technicians. And if you think this idea goes away with the Baby Boomers, think again. Millennials are set to <a href="http://www.pewresearch.org/fact-tank/2015/01/16/this-year-millennials-will-overtake-baby-boomers/">surpass the Baby Boomers</a> in number this year, and the <a href="http://www.nerdwallet.com/blog/investing/2013/73-retirement-norm-millennials/">average life expectancy of millennials</a> is 84. With numbers and life expectancy on the rise, health care professionals will be highly sought after by everyone.</p> <h2>7. Actors and Artists</h2> <p>The Frey and Osborne study also showed a low likelihood that jobs for actors and other creative professionals would be outsourced to technology. After all, robots just aren't quite as convincing as Brad Pitt or Angelina Jolie at feigning emotion (and they don't look as good on screen, either). Individuals in the creative professions are largely shielded from technological outsourcing because creativity is, in essence, the very last frontier of technology. And we will probably always want humans &mdash; not machines &mdash; acting out our human dreams and fears.</p> <p>The bottom line is that human ingenuity never goes out of style and will never become obsolete. The human brain, and its creative capacity, isn't even fully understood &mdash; much less in danger of irrelevance. It is this very creative capacity that makes us human, and that creates the security that not everything can be better done by robots.</p> <p><em>Any other jobs safe from robots? What about yours?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/christa-avampato">Christa Avampato</a> of <a href="http://www.wisebread.com/7-great-jobs-that-wont-be-lost-to-technology">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/robots-will-take-over-these-5-jobs-soon-is-one-of-them-yours">Robots Will Take Over These 5 Jobs Soon — Is One of Them Yours?</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-8-worst-things-good-employees-do">The 8 Worst Things Good Employees Do</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-job-sectors-where-wages-are-growing">7 Job Sectors Where Wages Are Growing</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/laid-off-make-sure-you-get-your-unemployment">Laid Off? You May Have to Fight for Unemployment Benefits</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-times-youre-better-off-without-a-promotion">12 Times You&#039;re Better Off Without a Promotion</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income automation job security progress robots technology Wed, 11 Feb 2015 10:31:13 +0000 Christa Avampato 1285782 at http://www.wisebread.com Is Your City Among the 7 Worst for Job Seekers? http://www.wisebread.com/is-your-city-among-the-7-worst-for-job-seekers <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/is-your-city-among-the-7-worst-for-job-seekers" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/man-looking-window-city-unemployment-Dollarphotoclub_76065494.jpg" alt="man window city" title="man window city" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>America, I have some good news and some bad news.</p> <p>First, the good news. Back in December 2012, the unemployment rate stood at 8%. Fast forward two years, and the current <a href="http://www.bls.gov/news.release/pdf/empsit.pdf">unemployment rate has hit a record low of 5.6%</a>.</p> <p>The bad news is that, despite the general positive outlook in the job market, there are still several cities with poor job prospects. Here are the seven worst cities for job seekers in 2015.</p> <h2>1. Spokane, Washington</h2> <p>A <a href="http://www.manpowergroup.com/wps/wcm/connect/manpowergroup-en/home/newsroom/news-releases/2015+to+kick+off+with+steady+hiring+expectations+in+the+u.s.+according+to+latest+manpower+employment+outlook+survey#.VMNTJ1pCyXS">survey of 18,000 U.S. employers</a> puts Spokane, Washington at the top of 100 metropolitan areas with the weakest job outlooks. This would be the second year in a row that Spokane's job market remains depressed. The <a href="http://www.bls.gov/eag/eag.wa_spokane_msa.htm#eag_wa_spokane_msa.f.1">unemployment rate consistently decreased</a> throughout all of 2014, and forecasts indicate that the trend will continue.</p> <p>Another reason for the low job growth in Spokane is the aftermath of holiday hiring. Retailers hire lots of temps during Q4 ,and then scale back during Q1 and Q2.</p> <h2>2. Portland, Oregon</h2> <p>Standing at number two in the same survey is Portland, Oregon. The net employment outlook is a puny 2% &mdash; much slower than that of the rest of the nation. While there is growth in certain industries, there are several others, such as <a href="http://www.oregonlive.com/money/index.ssf/2015/01/where_are_all_the_jobs_in_oregon_many_sectors_it_turns_out.html">professional and business services, wholesale trade, and private education</a>&nbsp;that are cutting back in jobs.</p> <h2>3. San Bernardino, California</h2> <p>After analyzing the strength of 150 of the most populous U.S. cities' job markets, <a href="http://wallethub.com/edu/best-cities-for-jobs/2173/">a report puts San Bernardino, California at the bottom of the list</a> for 2015. The same report also puts the city among the top five with the highest unemployment rate for people with bachelor's degrees or greater. San Bernardino Mayor Carey Davis <a href="http://www.dailybulletin.com/business/20150118/san-bernardino-ranks-last-for-job-seekers-in-wallethub-report">isn't surprised about his city's low ranking</a>, because of the city's bankruptcy and financial woes. In 2012, the city of about 210,000 residents filed for <a href="http://www.huffingtonpost.com/2012/08/01/san-bernardino-bankruptcy_n_1731264.html">bankruptcy protection citing more than $1 billion in debts</a>. The city continues to struggle with low tax revenue, high unemployment, and a poor housing market.</p> <h2>4. Detroit, Michigan</h2> <p>In the same 150-city report, Detroit, Michigan is third from the bottom. The Motor City also ranks among those with the lowest number of job opportunities, the highest unemployment rates for workers with a bachelor's degree or higher, and the lowest median annual income (adjusted for cost of living). Detroit's job woes are the result of a big, systemic problem: <a href="http://www.huffingtonpost.com/2013/08/02/detroit-jobs-_n_3693303.html">its unemployed lack the skills that employers need</a>.</p> <p>The only sector showing job growth is the temporary help sector. This isn't encouraging, because in 2013 the <a href="http://www.freep.com/story/money/business/michigan/2014/12/28/michigan-temporary-jobs-economy-unemployment/20941729/">average temp employee in Michigan earned $25,872</a>, which is 48% below the average worker's wage.</p> <h2>5. Honolulu, Hawaii</h2> <p>There's trouble in paradise. As a long time resident of Honolulu, I know that the main employers in the city are the government (local, state, federal, and military jobs) and the hospitality sectors. <a href="http://www.bls.gov/eag/eag.hi_honolulu_msa.htm">Data from the U.S. Bureau of Labor Statistics</a> shows that the outlook of jobs in both sectors remains unpromising.</p> <p>While Hawaii's unemployment rate is often lower than the national rate, this statistic is misleading because it doesn't reveal how many <a href="http://www.civilbeat.com/2014/02/21159-help-wanted-the-truth-behind-hawaiis-low-unemployment-rate/">people have to work multiple part-time jobs</a> to make ends meet. Honolulu's lower salaries are victims of what Hawaii residents refer to as &quot;beach tax.&quot; To make matters worse, <a href="http://wallethub.com/edu/best-cities-for-jobs/2173/">Honolulu has the lowest housing affordability in the nation</a>.</p> <h2>6. Hialeah, Florida</h2> <p>It seems like cities with warmer climates tend to fare not well in job market lists. Not only does Hialeah, Florida have a high unemployment rate for high school graduates (13.3%), but also a high unemployment rate for residents with bachelor's degree or higher (9.7%). Of the 150 most populous U.S. cities, Hialeah has the fourth lowest median annual income (adjusted for cost of living at $27,966).</p> <p>Since Hialeah's formal economy doesn't offer many openings, some economic researchers point out that <a href="http://www.miamiherald.com/news/local/community/miami-dade/hialeah/article5725017.html">people are forced to create their own jobs in the city's informal sector</a>.</p> <h2>7. Newark, New Jersey</h2> <p>Also cited as having one of the highest unemployment rates for high school and college graduates is Newark, which holds the further distinction of having the lowest median annual income (adjusted for cost of living). This means that Newark's median annual income is three times smaller than that of cities with the highest ones.</p> <p>The <a href="http://www.wbgo.org/newsarticle/financial-woes-in-newark-grow-as-city-officials-learn-of-even-more-debt-1">Brick City's financial woes</a> are adding more pressure to the already small salaries workers endure. To complicate matters even more for job seekers, Newark is second only to Honolulu in housing affordability. The site Wallet Hub has been particularly hard on Newark by including at the top of lists of <a href="http://wallethub.com/edu/cities-with-the-highest-and-lowest-population-in-need/8795/">cities with the highest percentage of the population in need</a>, the <a href="http://www.nj.com/jjournal-news/index.ssf/2014/07/jersey_city_fares_poorly_in_tw.html">unhappiest cities</a>, the <a href="http://wallethub.com/edu/best-places-to-retire/6165/">worst places to retire</a>, and the <a href="http://wallethub.com/edu/best-cities-to-start-a-business/2281/">worst cities to start a business</a>.</p> <p><em>How is the job market in your city this year?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/damian-davila">Damian Davila</a> of <a href="http://www.wisebread.com/is-your-city-among-the-7-worst-for-job-seekers">Wise Bread</a>, an award-winning personal finance and <a href="http://www.wisebread.com/credit-cards">credit card comparison</a> website. Read more great articles from Wise Bread:</div><div class="view view-similarterms view-id-similarterms view-display-id-block_2 view-dom-id-11"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/a-society-of-fear">A Society of Fear</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/whats-an-employee-to-do-part-1">What&#039;s an employee to do? Part 1</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/the-first-5-things-you-must-do-after-getting-laid-off">The First 5 Things You Must Do After Getting Laid Off</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/does-generous-unemployment-benefits-prolong-the-length-of-unemployment">Do generous unemployment benefits prolong the length of unemployment?</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-write-a-resume-12-steps-to-your-next-job">How To Write A Resume: 12 Steps To Your Next Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income employment job search unemployment Fri, 06 Feb 2015 14:00:10 +0000 Damian Davila 1285779 at http://www.wisebread.com Double Your Salary With This Simple Strategy http://www.wisebread.com/double-your-salary-with-this-simple-strategy <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/double-your-salary-with-this-simple-strategy" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy-businesswoman-money-Dollarphotoclub_75087530.jpg" alt="happy businesswoman money" title="happy businesswoman money" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>I recently attended a personal finance conference keynoted by Suze Orman. As always, I found her advice to be clear, candid, and insightful. She covered a wide variety of topics and encouraged the audience to ask questions.</p> <p>One twenty-something stood and asked what she should be doing to achieve long-term financial security. Suze first encouraged her to participate in her employer's 401(k) program, and to make sure she contributed enough to receive the employer's maximum match amount. Then she offered some career advice. She essentially said to work harder than everyone else. The current competitive environment demands it. That means working extra hours, and keeping up with changes and innovations in your field &mdash; all of which are happening at an increasingly rapid pace.</p> <p>I agree. Working harder will help to keep you near the head of the pack.</p> <p>But I would add one more thing: Also work <em>smarter</em>. And one way to do that is to find a niche. If you can do that effectively, you won't just keep up with the pack, you'll separate yourself from it. And that could translate to a big boost in career earnings.</p> <h2>It's All About Positioning</h2> <p>Finding a niche means specializing in something that is distinctive and valued &mdash; it means uniquely &quot;positioning&quot; yourself. The concept of positioning was first introduced by Jack Trout who, along with Al Ries, wrote the 1981 classic <a href="http://www.amazon.com/gp/yourstore/home/?ie=UTF8&amp;action=sign-out&amp;camp=1789&amp;creative=390957&amp;linkCode=ur2&amp;path=%2Fgp%2Fyourstore%2Fhome&amp;signIn=1&amp;tag=wisbre03-20&amp;useRedirectOnSuccess=1&amp;linkId=RITAAPCYQYTVPCHL">Positioning: The Battle for Your Mind</a>. It remains one of my favorite marketing books.</p> <p>Car manufacturers position their brands (Honda reliability, BMW handling, Volvo safety, Lincoln Continental luxury). So do department stores (Wal-Mart is all about low prices, Target is a middle market chain, Neiman-Marcus is high-end). In fact, almost anything can be positioned &mdash; countries, cities, books, companies, departments within companies, and most important, people.</p> <p>The challenge, of course, is in choosing the right positioning. To do this, begin by thinking of ways to specialize. Take hardware stores for example. Big box home improvement chains like Home Depot and Lowes have put most traditional mom and pop hardware stores out of business. After all, how can the little guys possibly compete with them? Well, when you think about it the box stores are generalists. Each is a jack of all trades but master of none. So one way a mom and pop can compete is to narrow their focus and specialize in one type of product or service and do it exceptionally well.</p> <p>Case in point: When I need anything plumbing-related I don't go to the box chains; instead I go to a specialty plumbing supply store 20 miles away. I've been their loyal customer for over 25 years because when I walk in the door with a broken fixture, they know the make and model number before I get to the counter, they always have one in stock, and they go to great lengths to explain how to install it. I'm happy to pay a premium price for that kind of expertise.</p> <p>Positioning can (and should) also change as conditions change, or if the initial positioning doesn't work. For example, as more competitors emerged and alternative media and delivery methods became more widespread, UPS re-positioned itself from a mail and package delivery company to an expert in logistics. It now consults major corporations and even governments on ways to make their transportation and distribution methods more efficient. By contrast, the U.S. Post Office hasn't adapted to the same marketplace changes. It hasn't changed its positioning, so it is antiquated.</p> <h2>How to Position Yourself</h2> <p>What about positioning a person? How do you position yourself uniquely as an employee? The same principle applies. Start by thinking of ways to develop and offer a specific type of expertise or special skill that adds value compared to other employees.</p> <p>For example, early in my career I joined a market research department that did things similar to other market research departments. We did customer surveys, created reports on industry trends, and wrote up competitor profiles. These reports and analyses contained useful information, but there was never any attempt to show how to use the information to help our company become more profitable&hellip; to either save money or increase revenue. As a result our department was viewed merely as paper pushers, and that meant we were always at risk of being downsized.</p> <p>So I set out to make the connection between research data and company profitability. Doing that would make the research actionable and relevant to field sales people and to senior management.</p> <p>I began meeting with a colleague in the finance department to learn which of our customer segments and products were most profitable and which ones were least profitable. I learned that 20% of our customers generated 80% of the company's profits. We used that information to develop programs that attracted and retained more of the profitable customers while also wasting fewer resources on the unprofitable ones.</p> <p>With this focus on profitability we re-positioned the market research department from a report-generating cost center into a direct contributor to the company's bottom line. Just as important, by doing so I was also able to reposition <em>myself</em>. My specialty became profit-focused marketing activities.</p> <p>That opened up opportunities for me, including an invitation to work for another department that offered greater advancement opportunities. I owed it all to finding my niche.</p> <h2>The Salary Connection</h2> <p>Did my move to the new department translate to a higher salary? Actually, yes. Within three years my salary doubled. And I found myself in a niche that was highly valued both inside and outside the company, which created even more career advancement opportunities later on.</p> <p>Physicians who specialize earn, on average, 50% more than General Physicians</p> <p><img src="https://lh4.googleusercontent.com/hsJ4k76F4fjB6VK4LcUelTSRP7D6WJ-7S0h5C4gNTELLWYjNpI2vPE1wr89tLQ9ZtXP2ggaBDQQycztVhYIMGypmDgHDCcZo8zBYxgfUYd3vWf24JYkNQ-T7Gm_040XREw" width="457px;" height="306px;" style="transform: rotate(0rad); -webkit-transform: rotate(0rad);" alt="" /></p> <p><em>Source: Medscape Physician Compensation Report 2014; Leslie, Carol Peckham</em></p> <p>Specialization pays. Not just in my case but as a general rule. For another, broader example let's take a look at the medical field.</p> <p>As you can see in the accompanying table, physicians who are generalists &mdash; family doctors, or &quot;GPs&quot; &mdash; are near the bottom of the chart when it comes to compensation.</p> <p>Specialists, on the other hand, earn on average 50% more. The top two specialists, cardiologists and orthopedic physicians, typically earn 100% more.</p> <p>So find your niche. It will take your career &mdash; and your salary &mdash; to a different level!</p> <p><em>What's your niche?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/keith-whelan">Keith Whelan</a> of <a href="http://www.wisebread.com/double-your-salary-with-this-simple-strategy">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-12"> <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-job-sectors-where-wages-are-growing">7 Job Sectors Where Wages Are Growing</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-simple-steps-to-discovering-your-true-salary-potential">6 Simple Steps to Discovering Your True Salary Potential</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-besides-salary-to-negotiate-at-work">10 Things Besides Salary to Negotiate at Work</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/12-hidden-costs-of-a-new-job">12 Hidden Costs of a New 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-negotiate-higher-pay-at-your-next-new-job">How to Negotiate Higher Pay at Your Next New Job</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income niche salary specialization supply and demand wage Wed, 04 Feb 2015 10:00:06 +0000 Keith Whelan 1284846 at http://www.wisebread.com 3 Ways Obama's Free Community College Deal Will Help You http://www.wisebread.com/3-ways-obamas-free-community-college-deal-will-help-you <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/3-ways-obamas-free-community-college-deal-will-help-you" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/happy-college-students-thumbs-up-Dollarphotoclub_70193711.jpg" alt="happy college students" title="happy college students" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>President Barack Obama's 2015 State of the Union address proclaimed that community college should be as free and universal in America as high school. If passed by Congress (currently unlikely, given the political polarization in Washington), the plan could make the first two years of community college free, allowing many to obtain free Associate's Degrees, reduce the total cost of a 4-year degree, or obtain necessary job skills and training. (See also: <a href="http://www.wisebread.com/8-cheap-ways-to-continue-your-education-without-going-back-to-school?ref=seealso">8 Cheap Ways to Continue Your Education Without Going Back to School</a>)</p> <p>Whether the pursuit of a new degree is in your future or not, here's how a program geared at making it happen could benefit the economy, and by extension, your pocketbook.</p> <h2>1. Economic Growth Would Soar</h2> <p>Putting a college degree in the hands of more Americans would be beneficial for everyone. Here's why.</p> <p>Right now, there are more jobs requiring college degrees than there are college educated people in the job market. It's no wonder that <a href="http://finance.yahoo.com/news/nearly-all-good-jobs-now-require-a-college-degree-151644528.html">the value of a college degree is $300,000</a> &mdash; close to an all-time high. But a free two-year community college program could help restore the balance.</p> <p>Such a job market would also drive economic competitiveness. After all, competition is the backbone of the U.S. economy, and it's vital to a thriving job market. If the U.S. were able to close the educational achievement gaps between white children and minority children with the President's proposed free community college program, <a href="https://www.americanprogress.org/issues/race/report/2014/11/10/100577/the-economic-benefits-of-closing-educational-achievement-gaps/">the economy would be 5.8% &mdash; or nearly $2.3 trillion &mdash; larger by 2050</a>, according to a study by the Center for American Progress. The cumulative increase in GDP from 2014 to 2050 would amount to $20.4 trillion, or an average of $551 billion per year.</p> <p>A community college expert, Josh Wyner of The Aspen Institute told PBS NewsHour, &quot;The fact of the matter is that we're projected within the next decade to need an educated work force&hellip; where 60 percent of Americans have a college degree. And, today, just over 40 percent have one.&quot; He added, &quot;In today's society, in order to have a chance to get into the middle class, in order to fuel economic growth for our country, <a href="http://www.pbs.org/newshour/bb/free-tuition-boost-student-success-community-colleges/">we need more people with a college credential</a>.&quot;</p> <h2>2. The Wealth Gap Would Narrow</h2> <p>In the last decade, the <a href="http://fortune.com/2015/01/20/the-case-for-obamas-state-of-the-union-free-college-proposal-in-6-charts/">college attendance rate has dropped</a> significantly for students from low- and middle-class families. Among the reasons is a steady decrease in state funding for tuition, which has made the price tag of a college degree more expensive than at almost any other time in history. The fallout is that a higher degree has become something enjoyed by the haves and, unfortunately, a luxury out of reach for the have-nots. &quot;We have got a gap between rich and poor that's growing in our country,&quot; Wyner said in his PBS NewsHour appearance. &quot;And we still have lots of Americans, low-income Americans, African-American folks in the country, who don't get access to higher education.&quot;</p> <p>But increasing access to community college through the program proposed by the President could help many low-income Americans enter the middle class, equipping them with the ticket they need to be competitive in the workforce. And a stronger middle class would help foster a healthier economy, triggering a ripple effect that could benefit Americans in all socio-economic brackets.</p> <p>One demographic that would particularly benefit from the President's zero-cost education plan is Hispanics. About <a href="http://nces.ed.gov/programs/digest/current_tables.asp">half of all Hispanics who attend college</a> are enrolled in a two-year community college, more than any race or ethnicity, according to U.S. Department of Education data.</p> <h2>3. Social Security and Medicare Will Have Brighter Futures</h2> <p>When the Baby Boomers retire, the federal budget will feel the pressure. More retirees means more people drawing from benefit programs like Medicaid, Medicare, and Social Security. But the President's free community college deal could ease some of this pressure by creating a higher-earning workforce that's better able to financially sustain such programs for the future. As Americans earn more, they'll pay more in taxes and thus provide future budget relief.</p> <p>A study by the Center for American Progress estimates that closing the racial and ethnic educational achievement gaps would boost Social Security tax contributions by $877 billion by 2050. Similarly, Medicare tax revenues for the Hospital Insurance Fund would increase by $265 billion from 2014 to 2050, providing a substantial lift to Medicare solvency. In other words, the study concludes, strengthening the educational achievement of our youth will help provide economic security for future generations.</p> <p><em>Were the President's plan to become law, would you or anyone you know take advantage of it?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/brittany-lyte">Brittany Lyte</a> of <a href="http://www.wisebread.com/3-ways-obamas-free-community-college-deal-will-help-you">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-13"> <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-times-you-should-choose-private-school-over-public">7 Times You Should Choose Private School Over Public</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/10-things-you-didn-t-learn-in-college-but-you-should-have">10 Things You Didn’t Learn in College (but You Should Have)</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-masters-degrees-that-will-drastically-increase-your-earning-power">5 Master&#039;s Degrees That Will Drastically Increase Your Earning Power</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/3-ways-to-get-a-legit-business-education-online">3 Ways to Get a Legit Business Education Online</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-ways-to-save-on-college-tuition">6 Ways to Save on College Tuition</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Education & Training Personal Development community college education free tuition obama tuition Tue, 03 Feb 2015 10:00:15 +0000 Brittany Lyte 1284841 at http://www.wisebread.com 7 Times You Should Choose Private School Over Public http://www.wisebread.com/7-times-you-should-choose-private-school-over-public <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/7-times-you-should-choose-private-school-over-public" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/students-teacher-private-school-uniform-Dollarphotoclub_14713868.jpg" alt="students private school" title="students private school" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Private school can be expensive, but it can also be well worth the cost, depending on your family situation. Some circumstances really do make private schooling more financially practical &mdash; and necessary &mdash; than you might think. Here are seven times you might choose private school over public school.</p> <h2>1. When Your Child Has a Special Gift</h2> <p>Some children are truly gifted in a particular area, and often, public schools can't foster that child's talents to their full potential. For example, some kids are unbelievable musicians, others have genius IQs or excel at certain sports. If this is the case with your child, a private school that specializes in a particular area might be a better fit.</p> <h2>2. When Your Child Has a Special Need</h2> <p>Your child may have a special need that isn't accommodated as well in a public school. This may be anything from a learning disability, to behavioral challenges, being a pregnant teenager, or recovering from substance abuse.</p> <h2>3. When Your Child Is Too Young</h2> <p>States dictate the age at which kids can start public school. Some do offer free public preschool, but others don't start public school until kindergarten. It's generally best to start kids in preschool by the time they are three, and especially if you need full-time child-care for your child, an all day private preschool may be your only option.</p> <h2>4. When You Aren't in a Good School District (and You Don't Want to Move)</h2> <p>A major factor in our family's recent decision to move was the school district. Our elementary school district simply wasn't as good as we wanted. If you aren't in a good school district and either can't afford to or don't want to move, private school may be the best option.</p> <h2>5. When Vouchers Will Pay</h2> <p>School vouchers make private schooling possible for a lot of families that might not be otherwise able to pay for it. This chart provides a state by state <a href="http://www.ncsl.org/research/education/voucher-law-comparison.aspx">comparison of school vouchers</a>. If you're in a situation where vouchers (or a school scholarship) will pay for private school, this is a good reason to choose it over public.</p> <h2>6. When Your Family Has Strong Beliefs</h2> <p>If your family has strong beliefs &mdash; maybe you are particularly religious, or care exceptionally for the environment, or believe a different style of teaching is better &mdash; then you may want your child to be raised around others with similar beliefs. In this case, private school is going to be a better fit.</p> <h2>7. When You Want Your Child to Learn Something Specific</h2> <p>Every family is different, and you may want your child to learn something taught in a private school, even if your beliefs aren't strong or your child isn't the most gifted in that area. As a parent, you have the right to make decisions about what you think is best for your child. So maybe you want your kids to learn more about music, art, or a foreign language than you would get in a public school. If that's the case, consider private schooling &mdash; if it's within your means, of course.</p> <p><em>Did you go to private school or public school? Which do you (or will you) send your child to and why?</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/elizabeth-lang">Elizabeth Lang</a> of <a href="http://www.wisebread.com/7-times-you-should-choose-private-school-over-public">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-14"> <div class="view-content"> <div class="item-list"> <ul> <li class="views-row views-row-1 views-row-odd views-row-first"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/3-ways-obamas-free-community-college-deal-will-help-you">3 Ways Obama&#039;s Free Community College Deal Will Help 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/10-things-you-didn-t-learn-in-college-but-you-should-have">10 Things You Didn’t Learn in College (but You Should Have)</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-masters-degrees-that-will-drastically-increase-your-earning-power">5 Master&#039;s Degrees That Will Drastically Increase Your Earning Power</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/3-ways-to-get-a-legit-business-education-online">3 Ways to Get a Legit Business Education Online</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/learning-without-the-high-cost-of-higher-education">Learning Without the High Cost of Higher Education</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Frugal Living Education & Training Personal Development education preschool private school public school Mon, 02 Feb 2015 18:00:11 +0000 Elizabeth Lang 1284259 at http://www.wisebread.com 10 Times at Work You're Just Wasting Effort http://www.wisebread.com/10-times-at-work-youre-just-wasting-effort <div class="field field-type-filefield field-field-blog-image"> <div class="field-items"> <div class="field-item odd"> <a href="/10-times-at-work-youre-just-wasting-effort" class="imagecache imagecache-250w imagecache-linked imagecache-250w_linked"><img src="http://wisebread.killeracesmedia.netdna-cdn.com/files/fruganomics/imagecache/250w/blog-images/businessman-working-late-Dollarphotoclub_44503005.jpg" alt="businessman working late" title="businessman working late" class="imagecache imagecache-250w" width="250" height="140" /></a> </div> </div> </div> <p>Americans work hard. Very hard. About 1,800 hours a year, no guarantee of vacation time hard. And some of that, unfortunately, is just spinning the wheels. Here are 10 times when we're simply wasting effort at work.</p> <h2>1. Working Very Late or Coming In Super Early</h2> <p>When I first started working in the advertising industry, several of the old guard told me &quot;be the first one in, and the last one to leave.&quot; There's something to be said for that, especially in the days when you are young and hungry and looking for that first promotion. But those guys also added an addendum later on, and I never forget it &mdash; &quot;just make sure people notice the effort.&quot; If you're getting in at 6:00 a.m., and the next person doesn't arrive until 8:30 a.m., how much of that two and a half hours was necessary? If you stay two hours past the last person, who will know? If you have to do it to get some work done, fair enough. If you do it all the time to show your loyalty and work ethic, it's wasted effort.</p> <h2>2. Having Drawn Out Email/Text Conversations</h2> <p>It's astonishing that so many people in workplaces across America can go a whole day without actually physically talking to someone. It's all about email, instant messaging, texting, and social media. The problem with all of those is that tone and mannerisms are lost. It can take many email conversations to get across something that a simple five-minute phone call or face-to-face meeting could have cleared up. If the first few emails are not getting things done, pick up the phone or walk a few minutes to that person's office.</p> <h2>3. Setting Specific Meeting Durations</h2> <p>We have 15, 30, 45 and 60-minute meetings. Usually, it's the latter. There's some chitchat, a little passing of time until everyone gathers, and then there is that &quot;hey, we still have ten minutes, how's your dog doing?&quot; time. This is wasting time and effort for all involved. Get the meeting started, quickly, and get to the point. Rule out jokes and nonsense, and if the 30-minute meeting is over in 11 minutes and 32 seconds, end it and get on with your day. Remember, there are no one hour meetings. There are at least two people in attendance, and every person in the company loses an hour. Make that time count.</p> <h2>4. Having Meetings Without Key People</h2> <p>Everyone in your company, be it a massive multinational corporation, or a local business, knows who the right people are. They're the decision makers, the knowledgeable workers, or the people with the latest intelligence. If you are organizing a meeting without including these people, you are going to have to have another meeting. Yes, it's not always possible to include them, but if that means you're going to spend 45 minutes talking in circles, you should reconsider. Make these meetings smaller, or bring other action items to them. There is little point in spending an hour in a meeting only to have a puppet tell you they'll get back to you.</p> <h2>5. Working With Unclear Directives</h2> <p>When you begin a project, know exactly what it is that you are being asked to do. If you are in any doubt at all, you are about to begin hours, or days, of wasted effort. Unclear directives and fuzzy strategies lead to meetings that have people scratching their heads and asking for additional work. If the person asking for the work does not specifically know what they want, try and send them back to the drawing board to get more information. It isn't always easy, especially if that person is the boss, but if you point out that you will be wasting time and money without those facts, you should be fine.</p> <h2>6. Overwriting</h2> <p>There is a quote that many of you know. &quot;I have already made this paper too long, for which I must crave pardon, not having now time to make it shorter.&quot; That came from Benjamin Franklin in 1750, to the Royal Society of London. Basically, he apologized for the length of the letter, and if he had time, he'd have made it shorter. This is lost on many today. Some feel that quantity is better than quality. After all, who looks like they have spent more time on a report: someone who hands in a 10-page document, or a three-page document? But people have little time to read those 10 pages. It's wasted effort to keep bloviating about a subject for page after page. People won't read it. Cut it down.</p> <h2>7. Hiding the Truth From the Masses</h2> <p>Whether you are a small automotive chain in Colorado, or a massive company spanning the world, people will gossip. You do not want to add fuel to that fire by taking a lot of time and effort hiding things. The truth will eventually come out, and that wasted effort will result in a lot of gossiping and ill feeling. Be honest &mdash; it will save you in the long run.</p> <h2>8. Networking With the Powerless</h2> <p>We all know that a certain amount of our job revolves around dealing with other people. Whether they're in the same company, or a different one, we have to find time to grease the wheels and make connections. However, be careful how much time you spend with people who really cannot do anything for you or your company. It may seem ruthless, but wining and dining the wrong people can be a complete waste of time and lead to some awkward silences. These people may tell you they have power, but it's easy to probe and find this out. Look at a company org chart, find out who has the bosses ear. You'll soon know the truth.</p> <h2>9. Working When You're Sick or Tired</h2> <p>It seems as though Americans don't like taking sick days when they're actually sick. Coming in to the office when you are a physical wreck may make you look like a glowing employee, but it's a waste of time and effort. You are not at your best. You are not thinking clearly. You are probably infecting other people. And, most likely, you'll be off the next day. The extra effort of driving in, trying to do your job, and driving home will take it out of you. And the work you did will most likely have to be redone. Don't waste that effort on being a golden employee.</p> <h2>10. Taking the Initiative Without Doing Your Research</h2> <p>Eager beavers are great employees&hellip; unless they dive into projects without first learning about a few basic facts. Recently, I heard of someone who spent five months developing a new app in his spare time, only to discover the company was scrapping the entire project. That guy would have saved a lot of time and heartache if he had simply done a little digging to see if the project had legs. So, do yourself a favor. By all means, take the initiative. But do not spend all that time without first knowing if that will be effort that could be rewarded, or wasted.</p> <p><em>What causes you to waste time and effort at work? Share your frustration in comments!</em></p> <br /><div id="custom_wisebread_footer"><div id="rss_tagline">This article is from <a href="http://www.wisebread.com/paul-michael">Paul Michael</a> of <a href="http://www.wisebread.com/10-times-at-work-youre-just-wasting-effort">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-15"> <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/getting-by-without-a-job-part-2-boost-income">Getting by without a job, part 2--boost income</a></span> </div> </li> <li class="views-row views-row-2 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/7-things-id-love-to-change-about-meetings">7 Things I&#039;d Love to Change About Meetings</a></span> </div> </li> <li class="views-row views-row-3 views-row-odd"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/6-warning-signs-that-it-is-not-the-job-for-you">6 Warning Signs that It Is Not the Job for You</a></span> </div> </li> <li class="views-row views-row-4 views-row-even"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/find-work-worth-doing">Find work worth doing</a></span> </div> </li> <li class="views-row views-row-5 views-row-odd views-row-last"> <div class="views-field-title"> <span class="field-content"><a href="http://www.wisebread.com/wanna-put-away-some-cash-take-a-vacation">Wanna Put Away Some Cash? Take A Vacation!</a></span> </div> </li> </ul> </div> </div> </div> </div><br/></br> Career and Income meetings networking time sink time wasters work workday Mon, 02 Feb 2015 10:00:13 +0000 Paul Michael 1284261 at http://www.wisebread.com