Home     Log in    XML, RSS Subscribe Feed (RSS)     XML, RSS Comments Feed

Posts Tagged ‘job’

7 Tips To Help You Overcome The Job Loss Blues

October 2nd, 2009 by Matthew C. Keegan | 2 Comments | Filed in Career Planning

With unemployment hanging around ten percent, chances are you know someone, somewhere who is without a job. Maybe that someone is you. Even if you’re not unemployed, there is a good chance you’ve seen your salary frozen or even cut.

cell phoneThis is the worst recession in memory, but that doesn’t have to mean that you’ll be without work for months on end. Do you have the job loss blues? If so, read on for some tips on how you can get hasten the job snagging process:

1. Your Full Time Job – Your last job was full-time, but so should this job be: the one where you’re looking for work. If you’re recently unemployed, give yourself a few days to a couple of weeks to regroup, but then be prepared to look for work as if everything depends on you finding a job. That’s because it does. Update your resume, get active online through LinkedIn and Facebook, network like never before and leave no stone unturned.

2. Cut Your Expenditures – Even with a severance package and unemployment, you could be doing just fine financially. However, that will soon change when one or the other runs out. Likely, you’ll need to divert some funds to help advance your job hunt, which means that you’ll need to rein in your other expenses now. Whatever you do, don’t turn to credit to pay your bills!

3. Think Positive – One surefire way to damper enthusiasm while looking for work is to let a sea of negativity wash over you. It can be difficult to remain upbeat, but a positive attitude will help you stay the course and eventually land your next gig. Consider professional counseling if you simply cannot shake the blues – an underlying medical condition could be weighing in.

4. Interim Work – Be realistic about your prospects especially if your industry as a whole has been slammed. If you’re an older worker, consider how your age can work against you. While age discrimination is illegal it is also very hard to prove. Consider taking consultant or part-time work now as you keep your options open.

5. Get Educated – Training in the form of classes, seminars even a new college degree might be of some help to you. A number of government programs have been launched to aid workers in the transition from one career to the next. Your state’s unemployment or career counseling office should know what is available for you.

6. Consider A Makeover – After years on the job, perhaps you’re no longer certain what is expected of today’s workers. Have your resume professionally updated to reflect current language as well as to make sure that no information is included to suggest your age. Perhaps its time for a new haircut and maybe your wardrobe could use updating?

7. Be Kind To Yourself – Even as you take whatever steps are necessary to help you find work, you need to remember to look out for your own needs to. Your spouse and children are important, but if you’re constantly “on” then you’ll soon burn out. Give yourself some small rewards along the way as you accomplish certain goals. For example, if you nab an interview, celebrate afterwards whether you’re offered a job or not. Take the edge off of the tension!

Eventually, you’ll find work and put this present crisis behind you. There are lessons to be learned during your time of unemployment so be sure to document your progress while staying focused and positive.

Adv. – If you are a first time homeowner, don’t forget that the federal government is giving to you an $8000 buying credit good through November 30, 2009. For more information about buying a home, finding a mortgage or refinancing, please visit SayLending.com.


Tags: , , , , ,

Age Discrimination And Your Job Search

June 2nd, 2009 by Matthew C. Keegan | 6 Comments | Filed in Career Planning

For someone going through a career transition who is in their forties or above, one very real challenge they may be facing is ageism or age discrimination. Impacting men and women alike, all ethnic and racial groups, and seeming to be one of the most difficult of all prejudices to identify, age discrimination can severely impact the worker’s ability to make a living.

peopleA number of years ago when web based communities such as those managed by MSN were popular, there was a forum started by a man who claimed to be experiencing ageism. Though I was still in my thirties when I first came across his site, I was curious about this phenomenon, wondering if it was as serious as some claimed that it was. I also wondered if the site was a mass pity party of unemployed middle-aged folks, but soon learned that many forum participants were working and actively pursuing their careers.

The stories shared on that internet forum offered a fascinating picture of what some people encounter in the workplace. Some had worked as administrative assistants and clerks while others managed to improve themselves to the point where they managed entire operations, corporate divisions or local offices. However, most had also felt that ageism lurked beneath their company’s veneer, just about ready to jump out and latch onto to them especially if they were about to lose their job.

One important point repeated often by forum participants had to do with their resumes (a/k/a curriculum vitae or CV). Most human resources people will tell you that a decision on whether to go with a particular candidate or not is often decided within the first thirty seconds of reading their resume. This means that if there was any potentially damaging information on the copy, the HR folks would move on to another candidate immediately.

Clean Up Your Resume (CV), One Step At A Time

If you are an older worker who is looking for a new job, consider the following when it comes to your resume:

Include your cell phone and email address – When listing your personal information, include your cell phone and email address, two of the most common ways companies use to contact candidates. You’d be surprised how many “older” workers don’t include what is obvious to everyone else; don’t make it harder for potential employers to find you.

List recent jobs only – If you’ve been out of college for the past twenty-five years, it can be tempting to list every job you’ve held since then. Instead, go back ten years, perhaps fifteen and leave it at that. Your resume is designed to feature career highlights, not every job you’ve held. When filling out an employment application you can go back further than that.

Watch your language – You may be well versed in the English language, but be careful about using terminology that gives hints to your age. Importantly, leave off college graduation dates and anything else that reveals more about you personally than what you can do for a company specifically. Above all, lose the information about high school especially listing the year that you graduated.

Stay Connected

I recently advised and “older” person who had lost his job to get linked in. Literally! By joining LinkedIn and a few other select sites, he was able to get connected with the right people in the quickest amount of time including someone who will be interviewing him for an unannounced opening later this week. Yes, networking is critically important both online and offline.

If you believe that you are a victim of ageism, your state probably already has laws on the books to combat that problem. Consider filing a complaint, but also keep in mind that sometimes it pays to simply move on to an employer who respects your talents and what you can bring to them besides graying hair!

Adv. — For home improvement or garden enhancement ideas, please visit LetsRenovate.com to learn more.  Spring is an excellent time of the year to tackle important projects, allowing you to enjoy the summer months and the fruit of your labors. For major projects, visit YourEquity.com to learn how you can finance your renovations.


Tags: , , , , , ,

Debt Solutions, Recession Style

December 5th, 2008 by Matthew C. Keegan | 6 Comments | Filed in Consumer Financing, Consumer Tips, Credit Cards, Credit Reports, Debt Management

Do you feel as if youre in a money trap? Well, youre not alone. Lots of people are finding themselves in debt, but you dont have to stay there. Five tips to help you take control of your money and live a fuller, more enjoyable life.

Do you feel as if you're in a money trap? Well, you're not alone. Lots of people are finding themselves in debt, but you don't have to stay there. Five tips to help you take control of your money and live a fuller, more enjoyable life.

We’re in a recession, we’re not in a recession. Depending on who you listen to and what barometer of measurement they use, we’ve either been in a recession since December 2007 or the country is still on the outside of one looking in. Perhaps we’re somewhere between the two.

Regardless of what the experts say, what it all boils down for the average consumer is where they’re at financially. Some people are employed and expecting bonuses this month, others are holding onto a job and facing a pay cut, salary freeze, or even the threat of losing employment, while still others are unemployed and are now looking for work.

For every consumer, controlling personal finances is the key to monetary health, a way to build up wealth and an important strategy in gaining independence. After all, if you’re in debt then you basically are owned by your creditors. And, forget bankruptcy as a viable option – changes to personal bankruptcy laws a few years back has made that a bad option for most people.

What can you do to get your debt under control? Several things including the following:

Pay off credit cards – Lots of people are carrying around credit card debt and paying big bucks in interest each month. If you are running balances on several cards, try not to add additional debt. Pay off the card with the smallest balance first and then use those funds to attack the next largest balance. Your debt repayment will “snowball” as you knock out one increasingly larger balance at a time.

Renegotiate interest rates – If your credit cards charge high interest rate and you cannot get a new card with a low rate (to transfer balances) consider asking your credit card issuer to lower your rate. Be careful if you ask for a “hardship rate” where your interest will be knocked down to zero in exchange for automatic monthly repayments – some card companies report this information to the credit bureaus which can adversely impact your credit report or score.

Pay down your mortgage – If you have a home equity loan or a mortgage (or both) work toward paying these debts down faster. Housing prices have dropped, a lot of homeowners have negative equity in their homes, and if you should need to sell, you’ll have more profit to show if your overall home debt has been reduced.

Trim spending – Whether laid off or on the receiving end of a salary drop, you’ll need to trim expenses accordingly. Now is the time to shop around for the best deals on insurance, communication, food, etc. in a bid to keep your expenses in line with what you make each month.

Take charge – Banks and other lending institutions are clamoring for consumer dollars, especially ever since credit has tightened. Make sure that you aren’t paying an annual fee for a credit card, that monthly bank fees are reasonable, and certainly don’t agree to pay other charges which are unreasonable. Threaten to take your business elsewhere if the lender won’t budge.

Some analysts are suggesting the current economic climate will last until next summer with others suggesting that early 2010 will be the soonest date when we’ll see some relief. No one can say for certain when the economy will improve, but don’t wait to act: you can take control of your finances today!

Adv. – How about a card you need that fits your financial objectives? Whether you are a savvy consumer or first-time user, there is a credit card that will meet your buying-power needs. Please visit nBuy.com to conduct your smart credit card search.

Photo Credit: Nusrin


Tags: , , , , , , , , ,