Wednesday, March 26, 2008

How To Get Debt Consolidation Online

How To Get Debt Consolidation Online

By Gordon Goodfellow

Many people experiencing difficulties with debt and seeking professional help will be wondering about the best way to get debt consolidation online. It’’s true that most mainstream businesses now have an online presence, and the growing debt management sector is no exception. The advantage of looking for something online is that dubious businesses tend not to do well on the search engines, so companies which are prominent in the natural search engine results will probably be well regarded and professional.

When getting advice for debt consolidation online you”ll be wanting advice on two main options. The first option is a straightforward consolidation loan. While this seems an attractive proposition at first it does hold terrors a bit further down the line; even though the idea of consolidating all your payments into one big payment with a lower interest rate may appear to be good, that loan is more likely than not to be secured against your property, so if you default your home will be at risk. So unless you can really afford to meet those payments over the long term, don”t even consider it.

The other option when you seek debt consolidation online is an actual debt management plan with a qualified insolvency practitioner or IP. In the United States this is known as a debt consolidation plan and in the United Kingdom it can be referred to in its highest form as an individual voluntary arrangement or IVA (known as a Protected Trust Deed, or PTD, in Scotland). An IVA is an immensely powerful instrument and is legally binding. In recent years it has become known as the painless alternative to personal bankruptcy, with none of the stigma associated with that.

What such a plan does is to take the whole amount of the debt and reduce it by up to 70 per cent (some businesses have adverts claiming to reduce this by up to 95 per cent but this is extremely unlikely and you should give these companies a wide berth). As long as more than two thirds of your creditors (by capital sum) agree to this then the debt is slashed by this amount and you will suddenly feel the burden of most of your debt disappear.

Your debt consolidation online company will have skilled negotiators who will liase with your creditors. Once such a plan is put into effect it will be legally binding, and nobody apart from your IP will be allowed to contact you about your debt. That includes your creditors or any agents they may appoint, including debt collectors and the like. If they contact you about your debt, even if it is a phone call made by mistake, that is against the law and you may then take them to court over it. They are simply not allowed to contact you again.

Your debt consolidation company will then work out an affordable monthly payment and apply this to your everyday household budget. After an agreed length of time, usually five years, your debt will be paid off completely and you will be able to start rebuilding your credit rating again. You will actually be able to start living a normal life as soon as the consolidation plan is put into effect, from day one.

About The Author

http://www.best-debt-consolidation.co.uk/debt-consolidation-online.htm offers a range of services for those under financial stress. The associate site at http://www.usfreeads.com/1010975-cls.html offers debt consolidation online in the U.S.

Bankruptcy

Bankruptcy seems to be the first thing some people consider when they find they are unable to pay the payments that are due on loans and credit cards, but this should be the last thing that is considered. Not only is it a permanent solution to a temporary problem, it will ruin your chances of buying anything else for ten years instead of the customary seven.

What are the other options? The first thing you should do when you find yourself unable to pay the payments on your loans or credit cards is to contact the creditor directly and see if a payment plan can be developed. In the case of credit cards, this involves the creditor reducing the interest rate for a certain period, anywhere from three months to one year, which in turn reduces the amount of your minimum payment. Though this keeps your credit in tact, at least once you have brought the payments up to date, the creditor will still close your account. If your account is extremely past due, many creditors will reage the account after you have set up a payment plan and have paid the first three payments on time.

If you have been unable to work anything out with the creditor, or if the plan that you worked out failed, you can consider a consolidation loan with one a debt consolidation company. Be careful with these, though, that you don’t sign with one of the ones who will hold onto your money, and therefore force your creditor to accept a settlement without your permission. A settlement not only goes on your credit report as a bankruptcy, it also leaves you with a tax liability for the amount of the loan that you did not have to pay back. On the other hand, a good debt consolidation program can help you get your debt to a manageable level and help save your credit rating as well. Of course, if your debts are in serious condition, this may not work for you, but it’s certainly something that should be considered before bankruptcy.

A third alternative is to file for a Chapter 13. Although this still falls under the bankruptcy law, it allows you to repay your debt with the assistance of a trustee who will distribute the funds for you. In addition, this will only stay on your credit for seven years instead of ten like a bankruptcy liquidation (Chapter 7). Depending on your assets, you may not have to pay all of your creditors in full, but after the period expires, any unpaid bills are “forgiven.” Like bankruptcy, a Chapter 13 prevents any creditor from calling you, attaching your wages, or seizing any property you have. For those who have a job and have failed at all other attempts to pay their debt, this may be the only workable solution. The problem is, unlike the other two alternatives, it’s not cheap. Depending on the lawyer, and you will need a lawyer, it can cost several hundred dollars. If, however, you’re about to lose your house or your car, it’s a reasonable alternative.

Tuesday, March 25, 2008

The Art of Recruiting

The art of recruiting is the purest form of evangelism because you're not simply asking people to try your product, buy your product, or partner with you. Instead, you are asking them to bet their lives on your organization. Can it get any scarier for them, and tougher for you, than this?
  1. Hire better than yourself. In the Macintosh Division, we had a saying, “A player hire A players; B players hire C players”--meaning that great people hire great people. On the other hand, mediocre people hire candidates who are not as good as they are, so they can feel superior to them. (If you start down this slippery slope, you'll soon end up with Z players; this is called The Bozo Explosion. It is followed by The Layoff.) I have come to believe that we were wrong--A players hire A+ players, not merely A players. It takes self-confidence and self-awarness, but it's the only way to build a great team.
  2. Hire infected people. Classically, organizations look for the “right” educational and professional backgrounds. I would add a third quality: Is the candidate infected with a love of your product? Because all the education and work experience in the world doesn't matter if the candidate doesn't “get it” and love it. On the other hand, an ex-jewelry schlepper like me can make it in technology if you're infected with a love of the product.
  3. Ignore the irrelevant. This is somewhat redundant with the prior point, but it merits repetition. Often a candidate's educational and work experience is relevant on paper but irrelevant in the real world. Would a senior vice-president from Microsoft with a PhD in computer science be an ideal employee of a startup? Not necessarily--this poor guy has been working for a company with $60 billion in cash and 95% market share, and he woke up every day not worried about the competition or customers but the Antitrust Division of the Department of Justice. The flip side is also true: the candidate--using a jewelry analogy-- without the “perfect” background could be the diamond in the rough.
  4. Double check your intuition. Everyone has stories about the candidate that they “knew” would work out who turned out to be a nightmare employee. Or the employee they “knew” wouldn't work out despite a lack of qualifications who turned out to be the employee of the decade. The problem with intuition is that people only remember when their intuition was right--truth be told, their intuition was probably wrong as often as right. My recommendation is that you ask every candidate the same questions and take extensive notes. You might even conduct the first interview by telephone so you cannot judge the candidates by their appearance. In particular, startup founders believe they have a good “gut feel” for candidates, so they conduct unstructured interviews that are way too subjective, and they end up with lousy hires.
  5. Check independent references. How many of us have limited reference checking to only those provided by the candidate? I know I have. Can we be more stupid than this? This often happens because we don't double check our intuition: we like the gal, so we only call the references she's provided because we don't want to hear that we like a bozo. Do as I say, not as I did: check independent references--preferably at least one person that she worked for and one person that worked for her.
  6. Apply the Shopping Center Test. As the last step in the recruiting process, apply the Shopping Center Test. It works like this: Suppose you're at a shopping center, and you see the candidate. He is fifty feet away and has not seen you. You have three choices: (1) beeline it over to him and say hello; (2) say to yourself, “This shopping center isn't that big; if I bump into him, then I'll say hello, if not, that's okay too;” (3) get in your car and go to another shopping center. My contention is that unless the candidate elicits the first response, you shouldn't hire him.
  7. Use all your weapons. Once you've found the perfect candidate, use all the weapons at your disposal to land her--not just salary and options. More important--and more telling--is the attractiveness of your vision for how you'll change the world and the other employees (who doesn't like to work with smart people who are kicking butt?). To this armory, add your board of directors and advisors who should use their sway to sign her up. And finally, throw in the resume-building potential of working for a great organization like yours (let's not be naive, here). Once you decide you want a person, pull out all stops and go with shock and awe to land her.
  8. Sell all the decision makers. A candidate seldom makes a decision all by herself. There can be several other people contributing to the decision. The obvious ones are spouses and significant others, but it can also be kids, colleagues, and friends. With Asian Americans, it can even be parents because Asian Americans are perpetually trying to make their parents happy. In the interviews, simply ask, “Who is helping you make this decision?” And then see if you can make them happy too.
  9. Wait to compensate. A common mistake that many organizations make is using an offer letter as the starting point for negotiation. This is very risky because you don't know what reaction this first data point is going to have. If the candidate is Asian American, for example, she might show it to her mother; her mother might be offended by your lowball offer and then tell the candidate to forget your organization because it's dishonored your family. A offer letter confirms what everyone has agreed upon. It is the last step in negotiations, not the first one.
  10. Don't assume you're done. Garage once recruited an investment banker (mea culpamea culpa #2) firm. After weeks of wooing and several offers and counter offers, he accepted a position with us. He even worked for us for a few days, and then he called in sick. Late the next night, he sent me an email saying that he had accepted an offer from a former client of his old investment bank. I learned a valuable lesson: never assume that your recruiting is done. Frankly, you should recruit every employee every day because when they go home at night, you might never see them again if you don't keep the lovin' going. #1) from a large (

Some Things to Know Before Negotiating Salary with a New Employer

There are many schools of thought about salary negotiations and it appears that a great many of them involve game playing, duplicity, and tiptoeing around an actual number. I read a post by another blogger yesterday who gave what I thought was pretty bad advice about forcing the hiring manager or recruiter to give a range or a number before answering the question, “What salary are you looking for?” Obviously everyone wants to get paid as much as they can but it doesn’t make sense (for most people) to refuse to answer this question with, at the very least, a salary range because if you do that you may just irritate the recruiter who asked the question.

Why do recruiters ask for your salary?
Let’s face it most of us wouldn’t work for anyone else if we didn’t need the money. So money is an important part of the employment relationship. If your current salary is far below the salary range of the job that you are interviewing for, the hiring manager will want to understand why. Perhaps your current employer pays below market rate? Or, it could mean that your skill set isn’t as developed as the job requires. If you are selected for a job that pays significantly more than you are currently making an employer may make you a salary offer that falls near the bottom of the salary range. The reason that some employers do this is so that they have more latitude to reward you for good performance with merit increases and promotions than if they had paid you at the top of the salary range. If your current salary is higher than the range for the job you are interviewing for, you may not want to interview for a job that pays so much less. On the other hand, maybe you are willing to take a pay cut to join a really elite team. If that is the case this topic needs to be discussed in an interview.

I have been involved in all sides of salary negotiations: as a headhunter, as an in-house recruiter, as a hiring manager, and in salary negotiations for myself. While I don’t necessarily consider myself to be a great negotiator I do have a pretty good understanding of what is going on behind the scenes in salary negotiations and I hope to offer some suggestions for candidates.

Salary negotiation depends on several things:
Your level of experience and the level of the job you are interviewing for
- the less experience you have and the less unique your skill set the less room you have to negotiate

With whom are you negotiating? (Hiring manager, HR representative, executive recruiter)
- In most companies hiring managers make decisions about how to allocate their budgets. Generally HR representatives are messengers who report your past salary, salary requirements etc to the hiring manager. In some organizations the HR manager negotiates on behalf of the hiring manager. Find out who makes the final decision about salary and perks and, if possible, deal directly with that person.

Type of company (small private company, company with VC money, large corporation, public sector)
- Large companies may have more money but they usually have more policies, procedures, and bureaucracy. In many large companies hiring mangers may not have a lot of latitude to offer larger salaries to new hires. In small companies there may be more latitude but they may have fewer resources. If you think your skill set is worthy of a large salary make a case for that during the hiring process. Make sure your resume sells your unique accomplishments and skills (back this information up with metrics when possible) and be sure to discuss those things when you interview.

Other perks that come with the job
- Jobs that come with big benefits, big bonuses, perks (use of company plane), company cars, tuition reimbursement, sometimes have less flexible salaries because the employer realizes that the job is going to provide lots of other compensation.

Financial situation of the company you are interviewing with and industry trends
- Profitable companies in growing industries are more likely to offer higher salaries so do your homework about the company and industry before trying to negotiate salary or benefits.

Salary Range
In most situations, a recruiter (in house or headhunter) will tell candidates the general salary range before they come in to interview. In fact I haven’t heard of too many cases where a candidate doesn’t have some idea of what the company can offer. It’s just a practical matter – if your salary or experience level is way off the mark it would be a waste of time all around for you to interview.

Salary vs. Total Compensation
When you are asked your salary you can discuss total compensation or actual salary. I used to work for a company that would send us a report each year that explained our total compensation package. That was the dollar value of our benefits, vacation, tuition reimbursement, bonus, and anything else we got from the company. Add up the total compensation you are getting from your current employer and you can use that number in salary discussions but be clear that you are discussing total compensation not salary numbers. If you want to fudge the total compensation number up a few thousand, you can do that without appearing to be a liar. Total compensation isn’t always an exact number so that is a number that you could conceivably play with a little bit in order to appear to be making a higher salary. But never ever lie about your salary because it is just so easy to find out what it is.

Due Diligence
Before interviewing with a company find out everything you can about compensation practices, benefits, perks, and performance expectations so that you will know what to expect when you get a job offer. Also, if you have this type of information you will be able to figure out what is and is not negotiable at the company.

Never Lie About Your Salary
All that an HR person has to do is call your current employer and ask them to confirm the salary number you gave them…if the number isn’t the same (your employer probably won’t tell them the exact number anyway – most just confirm information) then you look like a liar. I have also known some companies that require potential hires to bring in the previous year’s W2 form and others that contract background checking services to check out potential hires. Again, if you lie about your salary you will probably forfeit the job.

Senior Executives/C-Level Executives
If you are a very senior level executive salary negotiations are much more flexible than if you are a junior player or even a mid-level manager. Most companies have a lot of flexibility in terms of salaries, bonuses, option grants, and other perks for senior level execs simply because the expectations for their jobs are so high. If you are a senior level executive you should probably contract an attorney and/or a retained search firm to negotiate your compensation package, contract, and severance agreement for you. Tell your attorney what you want and let him/her negotiate with the attorney for your potential employer. Top execs get incredible pay packages and perks and they seldom do the negotiating themselves.

Middle Managers
If you are applying to a large corporation as a middle manager the salary that they are planning to offer you is probably not terribly flexible. You may be able to negotiate a signing bonus, or get the company to pay back any relocation or tuition assistance that you owe to your current employer. You may be able to negotiate extra stock options or stock grants as well. The key to getting those things is to convince the hiring manager that he/she can’t live without you. Be likable and showcase your accomplishments in the interview. Don’t lie about or inflate your current salary. When you are asked for your current salary or your salary expectations give a range and find out about benefits and other perks that will factor into your total compensation package. Your new boss will probably want to pay you as much as he or she can but may be constrained by corporate policy or budget issues that you don’t know about.

Sales Jobs
Great sales people can negotiate great compensation packages based on performance. Sales are one area where companies are willing to pay big bucks for top performers because they directly contribute to the bottom line. If you are a great sales person with an outstanding track record, bring some metrics with you to the negotiating table so the potential employer can see exactly what they are getting for their investment in you.

Entry Level or Junior Level Jobs or Non-Exempt Jobs
If you are entry level or a fairly junior player without specialized skills and experience you just don’t have a lot of room to negotiate. You may be able to get a higher salary if, say, you have to commute further to the new job or you need to buy a car to drive to the new job. If that is the case, mention it to the hiring manager and ask if they would consider additional compensation to cover your additional commute costs. If that isn’t an option for them perhaps you can negotiate a flexible work situation that includes telecommuting for part of the week. You may also be able to negotiate additional days off or tuition reimbursement. Many companies have a dollar amount that they offer to junior employees – particularly those who join the company as a member of training program or a class (i.e.: first year Big 4 auditors or consultants) and that number tends to be pretty rigid.

Good and timely questions to ask during an interview

An interview is a two-way street. It is always tricky, especially at the end of a job interview, when the interviewer has asked all pre-determined questions and now turns to you and says "Is there anything you'd like to ask me?" The employers should always provide such an opportunity for a change of roles. That is why, always plan of some specific questions to ask. Having nothing prepared sends the message that you don’t have an independent thought process. There is no greater turn-off than a candidate who says "No. I think you've answered all my questions." This shows a lack of curiosity and employers are not looking for uncurious people.
Even though some of your question can be answered during the process of the interview, you can always state something to the effect that you were interested in knowing about, but that has already been addressed during the interview. Also, you can ask for additional clarification if the situation allows you to.
Another great turn-off for the interviewers are untimely questions related to benefits and salary issues as those should be brought up only by the employer. Prioritization of the remuneration package speaks badly about the candidate.
Here are several ideas of interesting questions to ask. However, make sure that you are really concerned about this information as the opposite will be obvious to the employer.

 Can you describe an ideal employee?
 What kind of work can I expect to be doing the first year?
 What are some of the skills and abilities necessary for someone to succeed in this job?
 Who will review my performance? How often?
 Could you describe your company's management style and the type of employee who fits well with it?
 How much opportunity will I have for decision-making in my first assignment?

As for the employers, what you need to remember is that looking for a job is like shopping for shoes – you are looking for the pair that will best fit you, not the one that first catches your eye. This is where good and timely questions can help you sift the pool of “appealing” candidates.

The Importance of a Strong Cover Letter

Most (all should) have a cover letter attached with their CV. A good cover letter is short, concise, and lays out exactly what you are looking for and why you are qualified. It should give the recruiter a reason to call you. Following are some specific recommendations.

1) Proofread your cover letter and don't be afraid to use spell check. "I excell in many areas" or " I am called a perfectionist because when I do something if it is not perfect I will redo the hole thing" are good examples.

2) Keep it professional. "I am cute and fun to be around" or "I am a quick and fascinating individual" may be true, but should not be included.

3) Keep it relevant. As a parent, I understand being proud of your children, but "my daughter just received a scholarship to x University" and "My son is a championship bull rider" are not relevant to your qualifications.

The Art of Listening

During the interview process, most of us are focused on selling ourselves to our interviewer, and we are often a bit nervous. Some of us clam up when we are nervous, a number of us do the opposite, and we talk too much. Some of us our very comfortable during the interview process, but I would venture to say those folks are in the minority.

If I were to offer a suggestion on what is the one thing a candidate can do that can assist in overcoming interview anxiety, it would be this. Show active listening skills. Take a deep breath and allow yourself some time to digest the question before you respond. These few seconds taken to digest the question, may allow for a more thoughtful, concise answer, and ultimately lead to a successful interview.

It also helps to clear your area of distractions. Multi-tasking is a great skill, but I wouldn’t recommend it during an interview. If you are at work, step into a private office. Remember to also take out your gum and don’t have lunch at the same time. I remember asking a guy who seemed distracted what he was having for lunch. He said, “Tuna” and then realized I really didn’t care.

Relax, Focus, and remember to smile.

Monday, March 24, 2008

Selecting The Best Career For You

Do you feel like your job is a good match for you-for your interests, your skills, your personal goals? Many of us are dissatisfied with our current job roles, or are not sure what we should be doing in our professional lives. This article is intended to help you focus in on what career is ideal for you.

What do you love doing? What is your hobby? What do you enjoy doing in your free time? If you can find a job that fits or is related to these interests, you're in luck-that's the career for you.

For example, if you love shopping and clothes, then why not look at a career in the fashion industry? There are job roles that cater to every personality type and skill set. If you match your personal passions with your skills and qualities, you will actually enjoy going to work every day!

What are your goals? Do you want to build up your bank account so you can buy a house, or do you just want enough money to be able to rent and travel at your leisure? Types of considerations are essential in finding the correct career for you. Your ideal job will be one that gives you security, stability, a pension plan, insurance, and so on.

Environment also matters. Are you happy while working inside on the desk or you feel content while working outdoors? For example, a person with a strong connection to the outdoors might consider becoming a forest ranger, a ski instructor, a landscape architect, etc.

Your ideal job should allow you to do the things you love and that are important. Think about the career's requirements and how they would impact you down the road.

Career Questions

Evaluate your career and potential options by asking yourself these ten career success questions:


Do I really like my work or am I hanging on marking time?

Am I promotable or am I seen as a disposable commodity?

Am I visible to potential employers, as well as my current boss?

Am I growing or stagnating or just standing still waiting for the next wave of change?

How smooth are my interpersonal relationships with my boss and co-workers?

Am I being rewarded at my true worth?

Have I recently checked out my value in the marketplace?

How valued and diversified are my skills and competencies?

How can I distinguish myself from competitors?

What will it take to get where I want to go from the place I am right now?

Career success involves staying open, staying flexible and making sure you’re using your talents to the fullest. Remember, control your destiny or someone else will!

Afraid of being FIRED !!!!

1. Get the Truth: Find out first if YOUR job is on the firing line.

2. Use Your Contacts: If your job is in jeopardy, depending on your current role, you may be able to put yourself in a position of availability to "head hunters" " Placement Consultants" "Recruitment Firms" "Placement Agencies".

3. Get References Before You Go: Make sure you get references before you leave the company. You will need them.

4. If you are not that happy where you are, update your resume and start looking for a new job.

If you have something to share or suggest then do post comments!!

Top tips to create an Impressive CV

1) Simplicity. A CV gives you the first and probably the last chance to get an interview. This is why it is extremely important that the CV to be in your favour. Use it to draw the attention of your work abilities, your achievements, and of your technical knoledges.

2) Achievements are very important in a CV. It is very good to use active verbs like: accomplish, plan, organize, responsible for, lead, etc. A CV is better to be written in a simple form in order to be easy to follow.

3) Reverse chronology. When you start writing your experience, you have to start with your last workplace and then continue in the same reverse order with the next ones, not forgetting to mention the emplyer's name, the date from which you started your job and the last one, the name of the job and a small description of it, and also your achievements. If you are looking for a job for the first time, then write any relevant experience, paid or not.

4) Sincerity. If you lie in a CV, not only that it is not good for you, but you also make the possible employer waste his time. To add extra 6 months experience in a job may look as a good idea, but if the information is checked, be sure you lost the job. But don't sell yourself too cheap. If you think that those three summers that you spent in France working as a volunteer helped you know the country and its culture, then say it!

5) IT abilities. You have to write everything you know regarding computers: hardware, software knoledges, programming languages, database, etc. Do not mention things you haven't done for a long time, or even worser, you have never done; if you are asked about those at the interview, you won't be able to give a proper answer.

6) Education. Write about your achievements during university. Attention: this is not relevant if you are working in that domain for more than two years.

7) Organizing your CV. Do not crowd your CV just to have it on one page if you have more things to write. If it is written on three pages, there is no problem as long as the content is relevant for the job you applied to. If the CV is hard to follow for the employer, he will lose his interest very quick.

8) Grammatical mistakes. No employer is interested in someone who haven't even bothered to correct his own mistakes. Read your CV for checking two or three times very carefully before sending it.

9) Two pairs of eyes. After you checked it, ask someone else to do it too because someone who haven't read it before will notice the mistakes more easily. Do not try to fill in your CV only once. Always go back to it and check it after a few days and see if there is something else you forgot to add.

10) References. Check your references before you use their names. There is nothing worse than using the name of a person who moved or has something against you. The best person you have to use for this can be your employer at the time or a teacher from the university or college.

Most Common mistakes in a reference letter

One way to mark off from the other candidates is the reference letter.

The reference letter is more and more requested by the employers because it is a way to find out more information about your skills and a way to find out an objective oppinion about you.Most common mistakes that are made in a reference letter are following:

I don't have experience and i can't get any references. What can I do?
Ask for a reference letter to your annual guide or the teacher who helped you with your degree paper. Ask him/her to stress your skills showing why you are suitable and prepared for that kind of job.

Don't fill with too much enthusiasm!
It is normal to ask for such a letter to a person that you know will say only good things about you. The one who will read the letter is evaluating you and what is written there should be demonstrated by yourself. This means that praises are not enough, you should prove that you are just like the description in the letter.

A reference letter has to contain your evolution
A reference letter is not a long list full of adjectives. The author of the letter should try to explain his/her claims and to give examples of them. Otherwise the letter may bring you many disadvantages.

Choose carefully the author of the letter
Do not choose a colleague whom you get along well to write this letter for you just because he will make a nice description. The one who writes this letter has to be in a position from which to be able to evaluate you. Choose this person carefully.

Do not use a standard sample
The biggest mistake you can do is to save from the internet a sample of a reference letter and then use it every time you need it. Besides the fact that many candidates have already used such a letter and the employers recognize them immediately, a reference letter, just like the intentional letter or the CV, has to be unique for each candidate and especially for each job you apply to. Originality is not the only thing that matters. It also matters how you adept the contents of these letters to the domain you want to work in and what the requirements of this job are.

Be careful to the examples used
A reference letter has to contain examples for sustaining the claims. Examples must be chosen carefully. Giving examples that have nothing to do with your office work is worser than using no examples.

Spelling or grammatical mistakes
Although the one who is evaluated is you and not the author of the reference letter, it is good to read the letter before you use it and correct it if necessary.

Fantasy Careers

Source : Business Week

According to a survey conducted by Business Week Research Services, 72 percent of 500 senior-level business executives surveyed said their current position is not their "dream job," and many named creative professions when asked their fantasy careers. Those surveyed included CEO s, presidents, controllers, department managers and consultants, and although many of them have reached top positions in their fields, they still dream of a fantasy career. The responses were part of a larger survey addressing innovation in business and leadership in celebration of business week's 75th anniversary. When asked what they considered to be a "dream job," nearly one-third of the business executives named entertainment/events producer, followed by chef or restaurateur (24 percent). A career as a pilot or a golf pro appealed equally to more than 1 in 5 survey respondents, (22 percent), while a vocation in fashion design was the least popular (8 percent) among those surveyed. Other notable individual responses to the 'dream job' question included: professional athlete; rock star; neurosurgeon; among others. When the respondents were asked to describe their current position, 45 percent called it "challenging," while others described their current job as "demanding" (34 percent) or "frustrating" (31 percent). Only 14 percent called their jobs "innovative.”

Resume Writing Help

Writing a resume can seem to be a frustrating task especially if you have never written a resume before. Thankfully in the new age of technology there are several online websites that offer to help individuals with writing their resume.

A resume writing website will ease the intimidation of writing an effective resume. It is often times difficult to know what to include in a resume or what to highlight or what to emphasize. There are an estimated one hundred applicants for any open position.

Since human resource departments and managers are swamped with hundreds of résumés . You need to make sure that your resume stands alone from the pile. If you organize information incorrectly on your resume this can affect your chances of being called in for an interview.

A resume writing website will offer important services to users such as resume writing software, free resume samples to view, answers to the most frequently asked resume questions, free tips on writing a resume and the resume forum where you can chart with others. This is a valuable online resource that is changing the way we write resumes.

It is so important to have detailed and organized résumé that impresses potential employers. If you are a beginner at resume writing then it is recommended that you visit a resume building website.

There is so much competition for each job that we apply for. Tools that assist you in designing a professional resume can give you an edge against your competitors.

Selecting The Best Career

Do you feel like your job is a good match for you-for your interests, your skills, your personal goals? Many of us are dissatisfied with our current job roles, or are not sure what we should be doing in our professional lives. This article is intended to help you focus in on what career is ideal for you.

What do you love doing? What is your hobby? What do you enjoy doing in your free time? If you can find a job that fits or is related to these interests, you're in luck-that's the career for you.

For example, if you love shopping and clothes, then why not look at a career in the fashion industry? There are job roles that cater to every personality type and skill set. If you match your personal passions with your skills and qualities, you will actually enjoy going to work every day!

What are your goals? Do you want to build up your bank account so you can buy a house, or do you just want enough money to be able to rent and travel at your leisure? Types of considerations are essential in finding the correct career for you. Your ideal job will be one that gives you security, stability, a pension plan, insurance, and so on.

Environment also matters. Are you happy while working inside on the desk or you feel content while working outdoors? For example, a person with a strong connection to the outdoors might consider becoming a forest ranger, a ski instructor, a landscape architect, etc.

Your ideal job should allow you to do the things you love and that are important. Think about the career's requirements and how they would impact you down the road.

An Emotional Roller-Coaster Ride

A Job Search Is An Emotional Roller-Coaster Ride Searching for a job can evoke a range of emotions. If you are searching for a job, then you may often be more open to negative and depressing emotions like anger and shame, instead of positive emotions. These emotions may rise and ebb, only to resurface again later.

Searching for a job is like going on an emotional roller coaster ride - but what you may not know is that there are ways that you can control the twists and turns of your job search. Career consultants say that 90% of job search is an internal process (i.e managing your emotions). Managing your emotions means that you are able to manipulate your thoughts and emotions in a way that serve you positively. Tips To Surviving Your Job Search While it is good to stay away from depressing emotions, it is not a very bright idea to stay away from your emotions altogether. They will invariably become your strengths.


Try to look for value in your emotions because doing so will help put the situation in perspective, and you will then be able to think clearly. For instance, the strong emotion of anger can also give you the energy to act in a positive way, just like the emotion of guilt and embarrassment teaches you to reexamine your behavior and act in accordance with your set values and principles. Often in times of distress, we tend to talk to ourselves. Psychologists term this behavior ‘self talk’ and believe that it is healthy provided you are giving your distressed mind positive messages like ‘I can do it’ or ‘I will remain calm so that I can analyze my situation more optimistically’. Fear is another emotion that most job seekers face. Fear can often make you feel that the situation is out of control.

To get out of this mind-trap, you can make and keep promises to yourself. Set goals that will empower your mind and get you into action mode. For more effective control over fear, start writing a journal and register all your fears and the possible steps that you can take to overcome it. Also write about the barriers that are holding you back from applying those steps. Another very good way of beating job search stress is to participate in a job search support group. Most regions have at least one, but if your area lacks one then you can form a support group on your own. The Internet also has lots of job search support resources. The most important thing to remember when facing the stress of looking for a job is to remain positive and active. By not letting your mind become idle, you can stop negative thoughts and fears from taking hold in the first place.

(By Heather Eagar)

Establishing a successful sales career

Establishing a successful sales career is a tough goal to accomplish. The sales industry is highly competitive and not everyone makes it. It can be difficult to find your way, since those with the knowledge and experience you need are often your competition rather than your mentor.
A successful sales career starts with learning to focus your passion.

There are a variety of recruiting agency programs meant to provide written, role-play, presentation, and oral evaluation. Having the advantage of a recognized sales qualification is a vital part of having a successful career in sales. Prospective employers recognize that certification and extensive study give you extra value as a member of their team.

The advantage of using recruiting firms doesn’t stop after accredited training sessions and the sales simulations. To make sure that you have a successful sales career, agencies assign recruiters and trainers to provide ongoing training and support during your initial months and years in the field. These professionals typically have years of experience in both training and sales, giving them a perspective that is important for young recruits.

Opportunity is also a big factor in a successful sales career. Landing the right job with the right company is critical. The best recruiting agencies make sure that their recruits have the interview skills needed to land the job. They often provide comprehensive coaching, addressing all the details needed by the new professional. As well, optional coaching is usually available after employment in order to make sure a sales person is not slipping in their techniques.

One of the most important selling points of a recruiting agency are the types of jobs they offer exceptional sales recruits. Indeed, sales professionals need to know that the agency is providing a connection to exclusive jobs unavailable to them during their job hunt.

There is a recruiting agency for every type of sales recruit, from those who want to work in a more intimate, small business environment to those interested in climbing the corporate ladder.

Saturday, January 19, 2008

Hiring and Retention

Are you in the process of hiring employees, or looking for ways to retain your existing employees? The following article gives you some sound advice on how to hire good employees, and how to retain them.

Hiring and Retaining Good Employees

Hiring good employees is not only important to business, it’s essential. Employees are the heart and soul of a business; they are the mechanism that makes a business run; they are the breath of life that enables a business to be something more than an idea.

A business cannot run unless someone (employees, in this case) is doing the work. Any intelligent business owner should want good employees.

Employers not the only ones to feel the effect

Bad employees not only affect an employer by driving down sales, costing the company unwanted expenses due to negligence or simple lack of motivation, etc, but they affect the customer as well.

Of course, once a customer has experienced a bad employee, it automatically affects the employer in obvious ways.

Although this seems like common sense to most people, it is uncanny how most employers will overlook this fact, whether it’s because of time constraints to effectively deal with the problem or lack of better judgment.

Whatever the case, it is a fact that sales get driven down and production slowed for a reason. That reason could very well be because of the customer’s lack of satisfaction with whatever service he or she had received and that lack of satisfaction stems from bad employees.


Find the right people to start with:

This is one of the most important things you, as an employer, can do. Getting the right people into your company to start with gets things moving in the right direction at the very beginning.

According to Chairman and CEO, Hal F. Rosenbluth, and Consultant, Diane McFerrin Peters, of Rosenbluth International, the third-largest travel management company in the world, “Most of us choose our spouse with care and rear our children with nurturing and compassionate attention. Yet, we tend to select the people who will join our company on the basis of an interview or two, and once they have joined, they often find that they must fend for themselves.

This contrast illustrates the disparity between the environments of family and work. But, given the amount of time we must spend at work, wouldn’t we all be happier if we took as much care at the office as at home to create a supportive environment? Wouldn’t we also be far more successful?”

The answer is yes.

The customer does not come first

It’s important to remember that if you want quality employees, your company must be of the same caliber.

If you expect to attract an employee who thrives to be as dedicated to the business as possible, doing more than what is expected, and putting forth 110% without any consideration being given to the employee’s personal needs, thoughts, and desires, you are truly fooling yourself.

And, eventually, your business will suffer for it.

It’s obvious to most, by now, that benefits and perks play a large part in attracting employees. I need not explain the many benefits that a company should make available to attract a good employee because it should be common sense to most, by now.

I will say, however, that attaining a good employee must go much farther than just having a great set of benefits. After all, does a wonderful benefits package actually attract only good employees? Of course not. There must be more to it than that.

For the customer to be served with the best results humanly possible, a more modern approach to the theory of customer satisfaction must be realized which is that the customer should not come first; the employee should.

Therein in itself is one of the most successful ways to attract a good employee.

When a business puts its employees first, many things can happen. To begin with, the employee is happy. If the employee is happy, the service that the employee provides to the customer will be far more outstanding than if he or she were not happy. If the service is outstanding, the customer will be happy and that only spells successful results for the business.

This does not mean that an employer must wait hand and foot on the employee.

No, it simply means that careful consideration to what an employee thinks, wants, and suggests should be considered.

Do not treat an employee as if he or she is a factory robot working on a clock. Treat them as people. Treat them with respect by talking to them as people and not “talking down to them” as “employees”. In fact, a good idea would be to remove the term “employee” all together.

One successful company I know of refers to its employees as “associates”, thereby empowering their “associates” with a feeling of more respect and purpose.

Employee leadership and flexibility a must

An open, friendly atmosphere is a must in a workplace.

Micro managing, as most already are aware of, is frowned upon. This is for a reason.

When a work environment is open enough for all employees to contribute and offer ideas and suggestions, without ridicule or negative response, this sparks creativity in an employee and, again, empowers them to contribute more to the business.

If everyone feels as though they are a part of the leadership process and not just a worker bee, they will have a satisfying feeling that can go a long way. Micro managing completely kills this system.

An employer must be flexible.

Does there really need to be a rigid schedule? Does lunchtime really need to take place at a specific time? Who actually needs a clock to tell them when they are hungry?

This line of thinking is what is needed in every faucet of business, as simple as it seems.

It makes an employee feel more like a human; it makes them feel as though the business respects them as a person and will put them first.

Once that consideration is instilled in an employee’s mind, there isn’t anything that he or she wouldn’t do for a business.

And, when a person looks forward to waking up in the morning to begin working in a place where they feel management gives them respect and thinks highly of them, they will put forth the effort to show appreciation.


Hire nice people

Experience and degrees are great ways of measuring employees’ qualifications and potential ... but ask yourself, are they nice people?

A person can be the most qualified, educated, and experienced possible employee on the planet but if they have the personality of a wet paper bag or of a caged wolverine, it’s guaranteed they’re not going to do much for your business.

Those that have to work with them will be disgruntled on a daily basis and begin putting out a poor performance. The customers that receive service from them will be unhappy and I need not say what happens after that.

Hire nice people.

Nice people can do wonders for a business. Sound picky? It is. But, when it comes to your business, can you afford not to be picky?

A nice person can learn anything. Nice people are pleasant to be around and are easy to teach.

They are notoriously quick to learn.

So, even if your nice person does not have the skill set that you are looking for, one might consider the possibility of training. Think about the potential, especially if nice people seem to be rare in your neck of the woods.


How do you find nice people?

This should be obvious. During the interview process, were they down-to-earth or were they focused solely on success, success, and more success?

As crazy as it may seem, the total, success driven fanatic may not be the best option.

Again, the person who seems more like a “person” would be the best candidate for hiring. In the long run, they will make your business more successful because they would make the customer, as well as those that have to work with them, happier.

Conduct tests and unconventional interview methods.

Why should an interview consist of one or two meetings in a stuffy room? How can we really find out about a person that way? The answer is that we can’t.

Instead, how about combining the stuffy office interview one day with another day of playing a game of softball with other, current employees, as Hal F. Rosenbluth and Diane McFerrin tend to do within their company?

This would be great for company moral and, at the same time, provide a chance to see how the potential employee reacts in a team environment.

If the person is bent on nothing but winning and becomes angry when other teammates drop the ball or do not hit as far as they should, perhaps this person is not the best employee to have around. Chances are that their performance on the softball field will reflect their performance in the office.

Go for a drive.

As again explained by Hal F. Rosenbluth and Diane McFerrin Peters, the way a person drives an automobile says a lot about a person’s personality.

Are they overly aggressive and speed through traffic, weaving in an out of other cars, determined to get to the point of destination no matter what the cost?

Or, are they assertive drivers who consider the safety of their passengers and think of alternate routes when confronted with a traffic jam, focusing more on the drive than the destination?

Which person would you rather have working for you? Which person would you rather have serving your customers? If you were a customer, which person would you rather have serving you?

Invite your new, potential employee to a company social event.

Are they the type of person that talks only of themselves and continuously brags about all of the wonderful things that he or she has done? Do they even talk to anyone at all?

These are the folks that either want to gain far more than they are willing to contribute or aren’t willing to gain or contribute. These are the type of people that will bring your company down.

So, some key points to consider thus far:

* Consider your employees before your customers. Not only will the employee put out a far better performance due to feeling respected, but your company will also build a reputation as being “the company to work for”, which will attract other, good employees.

* Be flexible. Constraints in the office constrain creativity and work performance. Go for casual clothing, if possible. Let your employee decide when it’s time to eat and take a break. Be flexible on your employee’s schedule, catering to his or her personal needs. The employee will show appreciation in return, by supplying a good output of production.

* Hire nice people. Not one customer in the world, no matter what business you are in, enjoys service from someone with less-than-appreciative attitude. And, your other employees will not enjoy working with them either, bringing down moral and production drastically. This kind of person will not be willing to strive at contributing to your company; they will strive to contribute only to themselves.

* Consider the unconventional when interviewing an employee. The more often you can set a scenario that a potential employee will not expect or could find to be an unusual method of interviewing, the better. It will give you a chance to see what that person is really capable of, as a person.


Retaining good employees

As important as attracting good employees is, it is just as important to retain them.

As always, benefit packages help to retain employees.

But, again, this is something that most people are already aware of. Sure, there will be those that will want to stay for the great benefits. But, is that all you, as an employer, can offer? No.

After spending as much time as you should have in attracting good employees, it only makes sense that you would go to certain lengths to keep them.

Chances are, if you really attracted a good employee, it wasn’t just because of the benefits.

And, chances are that your good employee will not stay just because of the benefits. Benefits, although a positive force, are not the end all and can, at times, be a false sense of security to an employer.

Not everyone develops his or her retention decision on a benefits package, at least not the smart employee.

Let them change it now and again

Let your people explore your company.

Don’t lock them into one, specific type of work, especially if they express desire to try other things.

In today’s job market, job-hopping, as it is known, is a regular occurrence. If you provide your employees with the chance to job-hop “within” your company, this is one way of keeping them there.

Give them the opportunity to gain new experience, knowledge, and skills. This will only enhance your company anyway, by having an employee that can do and handle more.

It also increases confidence in the employee and makes their work more satisfying. The United States military and civil services such as police and fire departments have already figured that one out. They call it cross-training and fleeting-up and it’s a great idea.


Communication:

Communicating is very important, not only in day to day business, but in retention as well.

People need to feel as though they have a grasp on what is going on within the company. They want to know where the company is going and how they will be part of that process.

They need to feel they are involved in the company. Being part of any planning processes, being able to contribute ideas for the company, and essentially being heard is all part of communication.

Again, this is emphasized in most of the U.S.’s military forces as well, even though they conduct themselves in more of a dictatorship.

Know why your people wanted to join your company in the first place and hone in on that. Keep that priority of the employee in consideration, always acting on it and developing it, and the employee will want to continue that purpose with a strong sense.

Talk to your people. Not only should you get to know them, you should get to know what they continue to want and think.

And, don’t think for a minute that a person’s desires and thoughts on particular matters will be the same later down the road as they were when they first joined the organization. Things change, including your employee’s thoughts and desires. Keep up with those changes.

Get feedback from your employees. Find out what they think is right and wrong with the company. Provide a feedback forum. And, most importantly, act on the information you receive from this feedback.


In summary:

* Let your employee job hop and provide an opportunity to let them do it within your company, instead of having to go outside the company. More than likely, if they can’t do it in the company, they will venture outside to a place that they can. Take advantage of the multiple skills your people can learn within the company. This not only helps your company out, it gives the employee a feeling of more purpose and he or she will enjoy not having to go far to expand their skills.

* Keep your people in mind when it comes to information on where the company is headed and what it is doing. If the employee does not feel informed on what is happening, they will not feel as though they are part of the company and, therefore, will not want to stay, in the long run.

* Get to know what your people want, when they first enter the organization and periodically throughout their tenure. People’s motives and desires change. The good employer is the one that can keep up with those changes. Offer feedback methods and make sure you act on the results.

* Above all, remember what it was that got you that good employee in the first place. The concepts mentioned in this article that enable an employer to attain a good employee to begin with are basically the same principals of retaining them as well. It’s that simple. Anyone who works for a company that considers their needs, is just, and can remain flexible, as well as provides other good employees to work alongside, will want to continue working in that company. Hiring and retaining good employees goes hand in hand.

Interview Structure / Interview Process

The interview is a structured discussion aimed at obtaining information on candidate’s abilities and behaviour in the work environment. You should try to avoid making judgements as you listen since this might prevent you from hearing what is being said. Make notes – explain to the candidate that you will be doing so. If you are interviewing with a colleague – strongly recommended – then take turns to ask questions and take notes.

Best practice demonstrates that the more relaxed and comfortable the candidate is the more you will learn about them, so take a bit of time to settle them down before starting the formal process.

Preparation:
Analyse the role that you are filling and identify those key skills, capabilities, competencies, past achievements which will lead to success in the role and identify questions that will enable you to evaluate each candidate against these.

Make time to prepare for the interview in advance. Review application materials, including curriculum vitae and any application forms. Decide which jobs/experiences are most relevant to the target job.

Prepare your introductory questions:
· Note any jobs/experiences on which you are unclear or would like more information
· Note areas of interest and areas of concern that you would like to explore
· Note any gaps in employment

Decide on the structure of the interview for example:
· Introduction
· Probe areas of interest from the CV
· Behavioural questions
· Other areas of interest
· Close

Decide questions in advance to ensure consistency of questioning to all candidates. Use follow up questions to probe which will clearly be different but the main areas explored will be consistent and make selection much easier.

Opening the Interview:
Greet the applicant, giving your name and position and those of other interviewers involved.

Explain the interviews purpose:
· To acquaint interviewer and applicant
· To learn more about the applicants background and experience
· To help the applicant understand the position and organisation

Describe the interview plan:
· Briefly review jobs/experiences
· Ask questions to get specific information about those jobs/experiences
· Answer candidates questions about the position and organisation
· Point out that you both will get information needed to make good decisions indicate that you will be taking notes

Closing the Interview:
· Ask them if they have any questions
· Ask them if there is anything that they would like to have said, or would wish you to know that they did not feel they had a chance to say or put across
· Explain next steps in selection process (don’t over commit on timescales and ask the candidate to flag up any problems with the timescales).
· Thank applicant for productive interview

Ten Questions You Don't Want to Ask in a Job Interview

In 1999 alone, nearly 80,000 complaints were filed with the Equal Employment Opportunity Commission (EEOC), and many of them alleged discriminatory hiring practices. How can so many companies have left themselves open to such charges?

According to John C. Fox, the chairman of the labor and employment law group at Fenwick & West LLP in Palo Alto, California, and a former executive director of the Office of Federal Contract Compliance Program in Washington D.C., although many employers have emphasized training and education in recent years, training has typically focused on recruiters and HR staff.

However, many of the legal blunders are committed at the hiring-manager level. To avoid potentially problematic hiring practices, make sure that your hiring managers are versed in what interviewing practices are legal and proper.

Fox also blames problematic hiring processes on the sizzling economy, record-low unemployment, and the consequent frenzied hiring atmosphere. In the rush to recruit new talent, companies are plowing through job applicants.and leaving their training manuals on the shelf.

"A lot of companies are pretty highly regulated and trained on this," Fox says. "But in an industry like manufacturing, where you have very high turnover and companies that are desperate to hire workers, a lot of the formalities go right out the door."

Questions to Avoid

The EEOC publishes a manual titled Employer EEO Responsibilities. Every smart company should make sure that the employees who conduct interviews on its behalf understand the information contained in this manual.

What follows are a number of topics to avoid in interviews. Some of the questions below are not discriminatory per se, but would trigger close scrutiny by the EEOC because they could be evidence of a discriminatory motive.

* Do you have children under age 18? What are your plans for child care? Questions such as these could be viewed as discriminatory against women if the employer asks them only of women. In addition, federal law prohibits employers from making preemployment inquiries into child-care arrangements.

* Do you have a credit record? Rejecting an applicant because of a poor credit rating tends to have a disproportionately negative impact on minority groups. Questions along these lines are unlawful unless there is a business necessity for knowing the answers. These questions may also have a disproportionately negative impact on women because many married women do not have an independent credit history.

* Are you pregnant? Do you plan to have children? Employers should avoid asking any questions regarding pregnancy or childbearing plans because discrimination based on pregnancy is unlawful.

* Have you ever been arrested or convicted of a crime? According to the EEOC, members of some minority groups are arrested disproportionately more often than whites, so making personnel decisions on the basis of arrest records could have a disparate impact on these groups. Depending on the position, however, the employer could have a valid business need to exclude such applicants. For example, a bank could be justified in excluding applicants convicted of embezzlement.

* What is your date of birth? Questions that give away an applicant's age could indicate unlawful discrimination on the basis of age.

* When did you graduate from high school or college? Similarly, since most people graduate from high school or college at around 18 to 22 years of age, these questions tend to reveal an applicant's age and could be considered discriminatory.

* Are you available to work on weekends? This question sounds innocent, but according to the EEOC, may demonstrate intent to discriminate by discouraging applicants of certain religions that prohibit working on Fridays, Saturdays, or Sundays.

* What is the lowest salary you would accept? Because women have traditionally been paid less than men for the same work, they might be willing to accept lower pay. But as the EEOC points out, it is unlawful to pay a woman less than a man because of community wage patterns that are based on discrimination.

* Have you ever filed a workers' compensation claim? This question is unlawful because it is likely to reveal information about applicants' disabilities.

* Do you have a disability? What is the nature of your disability? The Americans with Disabilities Act forbids employers from making any pre-offer inquiries into an applicant's disability.

Building a Safer Interviewing Process

The safest way to steer people in your company away from asking problem interview questions is to provide standardized questions to be asked of all applicants. While following a script may eliminate much of the candor and conversational flow that drives a good interview, it can also prevent a costly lawsuit.