Why do some people have all the luck while others are perpetually unlucky? Professor Richard Wiseman of the University of Hertfordshire was determined to get to the scientific bottom of the phenomenon of luck, and what he discovered may surprise you:
I placed advertisements in national newspapers asking for people who felt consistently lucky or unlucky to contact me.
Hundreds of extraordinary men and women volunteered for my research and over the years, have been interviewed by me. I have monitored their lives and had them take part in experiments. The results reveal that although these people have almost no insight into the causes of their luck, their thoughts and behaviour are responsible for much of their good and bad fortune. Take the case of seemingly chance opportunities. Lucky people consistently encounter such opportunities, whereas unlucky people do not.
I carried out a simple experiment to discover whether this was due to differences in their ability to spot such opportunities. I gave both lucky and unlucky people a newspaper, and asked them to look through it and tell me how many photographs were inside. I had secretly placed a large message halfway through the newspaper saying: 'Tell the experimenter you have seen this and win $50'.
This message took up half of the page and was written in type that was more than two inches high. It was staring everyone straight in the face, but the unlucky people tended to miss it and the lucky people tended to spot it.
Unlucky people are generally more tense than lucky people, and this anxiety disrupts their ability to notice the unexpected.
Wednesday, December 31, 2008
Monday, December 29, 2008
Recruiter Roundtable: The 'Weakness' Question
Being asked about one's own "biggest weaknesses" in a job interview is considered (by many job-seekers, at least) one of the worst interview questions. Do you ask candidates this, and how would you recommend candidates answer this question in a job interview without being phony?
Be Upfront
There are times when I ask job candidates this question. It's not that I want to nitpick or make people feel uncomfortable, but rather I want to see in which areas they feel they need to improve and what they are doing about it. In order to advance professionally, we all need to be able to honestly identify not just our strengths but also our weaknesses and how we can upgrade in these areas.
I recommend that job candidates be upfront during interviews. Don't say you have "no weaknesses" or "work too hard." Instead, tell hiring managers what you are working on improving and what you've done to build your skills in these areas.
One thing to keep in mind: If one of your weaknesses is directly related to the position and could potentially take you out of the running, the opportunity may not be right for you.
-- DeLynn Senna, executive director of North American permanent placement services, Robert Half International
Let the Job Description Guide You
First, make sure you truly understand the job duties before the interview starts. Match the job duties with your strengths. What is a strength you have that someone may consider as a weakness?
For example, if you apply to a sales job, your weakness could be "not quick to close": "I really take a lot of time to listen to a customer before I provide recommendations. A lot of sales people are quick to answer, but I spend time making sure I understand the customer's needs." Sales people need to be good listeners although they don't always come across that way.
Another example is if you applied to a very detail-oriented job, your weakness is you are a perfectionist. The hiring manager needs someone that pays close attention to the little things.
In summary, a weakness on one hand is a strength on the other.
-- Amanda Mertz, lead recruiter, Wells Fargo Home and Consumer Finance Group
Will It Match Your References?
The importance of this question is often not the candidate's answer per se, but whether or not the candidate's references respond in a similar manner. In short, it is a way for employers to assess the candidate's awareness of his or her own strengths and weaknesses.
-- Yves Lermusi, CEO, Checkster
Choose Wisely
This is definitely a popular question that we often ask, and a lot of our clients also like to include when interviewing candidates. While "weakness" is a harsh word, remember that nobody is perfect, and we all have areas of development that we need to work on.
Employers are cognizant of this and ask the question for two reasons -- first, to make sure your weakness isn't a skill they need someone to have mastery of immediately, and second, to see how you handle yourself under pressure and when asked tough questions.
We advise our candidates to be honest and focus on a weakness that is not one of the top three qualities required for the job. Also, be sure to describe how you've already taken steps and made strides in strengthening this skill, showing your ability and desire to constantly learn and grow.
- Kathy Gans, Senior Vice President, Ajilon Professional Staffing
Be Upfront
There are times when I ask job candidates this question. It's not that I want to nitpick or make people feel uncomfortable, but rather I want to see in which areas they feel they need to improve and what they are doing about it. In order to advance professionally, we all need to be able to honestly identify not just our strengths but also our weaknesses and how we can upgrade in these areas.
I recommend that job candidates be upfront during interviews. Don't say you have "no weaknesses" or "work too hard." Instead, tell hiring managers what you are working on improving and what you've done to build your skills in these areas.
One thing to keep in mind: If one of your weaknesses is directly related to the position and could potentially take you out of the running, the opportunity may not be right for you.
-- DeLynn Senna, executive director of North American permanent placement services, Robert Half International
Let the Job Description Guide You
First, make sure you truly understand the job duties before the interview starts. Match the job duties with your strengths. What is a strength you have that someone may consider as a weakness?
For example, if you apply to a sales job, your weakness could be "not quick to close": "I really take a lot of time to listen to a customer before I provide recommendations. A lot of sales people are quick to answer, but I spend time making sure I understand the customer's needs." Sales people need to be good listeners although they don't always come across that way.
Another example is if you applied to a very detail-oriented job, your weakness is you are a perfectionist. The hiring manager needs someone that pays close attention to the little things.
In summary, a weakness on one hand is a strength on the other.
-- Amanda Mertz, lead recruiter, Wells Fargo Home and Consumer Finance Group
Will It Match Your References?
The importance of this question is often not the candidate's answer per se, but whether or not the candidate's references respond in a similar manner. In short, it is a way for employers to assess the candidate's awareness of his or her own strengths and weaknesses.
-- Yves Lermusi, CEO, Checkster
Choose Wisely
This is definitely a popular question that we often ask, and a lot of our clients also like to include when interviewing candidates. While "weakness" is a harsh word, remember that nobody is perfect, and we all have areas of development that we need to work on.
Employers are cognizant of this and ask the question for two reasons -- first, to make sure your weakness isn't a skill they need someone to have mastery of immediately, and second, to see how you handle yourself under pressure and when asked tough questions.
We advise our candidates to be honest and focus on a weakness that is not one of the top three qualities required for the job. Also, be sure to describe how you've already taken steps and made strides in strengthening this skill, showing your ability and desire to constantly learn and grow.
- Kathy Gans, Senior Vice President, Ajilon Professional Staffing
7 Tips for a Better Resume
Want more interviews? Job searches in tough times like now demand polished resumes more than ever. If you are attempting to write your own resume, these seven tips are important to follow:
1. Select the best format.
While most resumes are written in a history chronological format, often a better technique is to evenly balance between skill-set description, achievements, and employment.
2. Make certain your document is error free.
Since you are familiar with your own writing, you will "see" what you were thinking and not what is actually on the page. Do not rely on yourself to proofread your work and do not rely on spell-check. Find a friend who has strong grammar skills to check your work.
3. Find a balance between wordiness and lack of detail.
Employers need to see details about your work history and experience, but they don't need to know everything. The fact that you were den leader in your Cub Scout troop is irrelevant. Keep information germane to the goal of attaining an interview. Eliminate information that is not related and will not have a direct impact on winning the interview.
4. Do not use personal pronouns.
"I," "me," "my," "mine," and "our" should not be on a resume. Resumes are written in first person (implied). Example: For your prior job description, instead of writing: "I hired, trained and supervised a team of assistant managers and sales associates" you would instead state that you "Hired, trained and supervised a team of assistant managers and sales associates." Fragment sentences are perfectly acceptable on a resume and actually preferred.
5. Use numerical symbols for numbers.
While we are taught in school to spell out numbers less than ten, in resume writing, numerical symbols serve as "eye stops" and are a much better method. Instead of writing "Developed a dynamic team of eight consultants." it would be much more advantageous to state "Developed a dynamic team of 8 consultants."
6. Think "accomplishments" rather than "job duties."
What makes you stand out from the crowd? How did you come up with a way to do things better, more efficiently, or for less cost? What won honors for you? Information such as this is vital, will grab attention, and put your resume at the top of the list.
7. Keep it positive.
Reasons for leaving a job and setbacks do not have a place on a resume. Employers are seeking people who can contribute and have successfully performed in the past. Concentrate on communicating these issues and avoid any detracting information.
Remember, many first-time job interviews are conducted via telephone rather than in person. Make sure you are prepared for that telephone call when it arrives. And make sure you have a resume that will make the phone ring!
Alesia Benedict, Certified Professional Resume Writer (CPRW) and Job and Career Transition Coach (JCTC), is the president of GetInterviews.com, a resume writing firm that provides mid-management and senior level professionals with customized, branded resumes and career marketing documents. GetInterviews.com offers a free resume critique and their services come with a wonderful guarantee -- interviews in 30 days or they'll rewrite for free!
1. Select the best format.
While most resumes are written in a history chronological format, often a better technique is to evenly balance between skill-set description, achievements, and employment.
2. Make certain your document is error free.
Since you are familiar with your own writing, you will "see" what you were thinking and not what is actually on the page. Do not rely on yourself to proofread your work and do not rely on spell-check. Find a friend who has strong grammar skills to check your work.
3. Find a balance between wordiness and lack of detail.
Employers need to see details about your work history and experience, but they don't need to know everything. The fact that you were den leader in your Cub Scout troop is irrelevant. Keep information germane to the goal of attaining an interview. Eliminate information that is not related and will not have a direct impact on winning the interview.
4. Do not use personal pronouns.
"I," "me," "my," "mine," and "our" should not be on a resume. Resumes are written in first person (implied). Example: For your prior job description, instead of writing: "I hired, trained and supervised a team of assistant managers and sales associates" you would instead state that you "Hired, trained and supervised a team of assistant managers and sales associates." Fragment sentences are perfectly acceptable on a resume and actually preferred.
5. Use numerical symbols for numbers.
While we are taught in school to spell out numbers less than ten, in resume writing, numerical symbols serve as "eye stops" and are a much better method. Instead of writing "Developed a dynamic team of eight consultants." it would be much more advantageous to state "Developed a dynamic team of 8 consultants."
6. Think "accomplishments" rather than "job duties."
What makes you stand out from the crowd? How did you come up with a way to do things better, more efficiently, or for less cost? What won honors for you? Information such as this is vital, will grab attention, and put your resume at the top of the list.
7. Keep it positive.
Reasons for leaving a job and setbacks do not have a place on a resume. Employers are seeking people who can contribute and have successfully performed in the past. Concentrate on communicating these issues and avoid any detracting information.
Remember, many first-time job interviews are conducted via telephone rather than in person. Make sure you are prepared for that telephone call when it arrives. And make sure you have a resume that will make the phone ring!
Alesia Benedict, Certified Professional Resume Writer (CPRW) and Job and Career Transition Coach (JCTC), is the president of GetInterviews.com, a resume writing firm that provides mid-management and senior level professionals with customized, branded resumes and career marketing documents. GetInterviews.com offers a free resume critique and their services come with a wonderful guarantee -- interviews in 30 days or they'll rewrite for free!
4 Common Resume Blunders
Some people land job interviews quickly and easily, while others struggle through protracted searches with barely a nibble of interest from prospective employers. The difference in results might not involve experience level or qualifications, but the quality of the resume.
When reviewing dozens (or even hundreds) of applications, time-strapped hiring managers often give resumes only a quick review to determine which candidates should be called for in-person meetings. If your application materials don't command immediate attention, you could be out of luck.
Keep yourself in the running by avoiding the resume mistakes of these common characters:
Generic Jen
No two organizations are the same. This simple fact is completely lost on Generic Jen, who submits the same untargeted resume to every company. Instead of taking the time to customize her resume by emphasizing the skills, attributes and professional experience most relevant to each position, she blindly blasts a one-size-fits-all document to any employer with an opening.
Takeaway tip: Tailor your content to each opportunity. Whenever possible, integrate relevant keywords found in the job ad. Remember: The more closely your resume matches the prospective employer's qualifications, the better your odds of securing an interview.
Verbose Vince
Why offer a succinct bullet point when you can say the same thing in six flowery sentences? That's the motto of Verbose Vince, who packs his lengthy resume with a laundry list of fancy five-dollar words and confounding jargon. This long-winded wordsmith "punctiliously shifts paradigms" and "expeditiously ensures the numerical veracity of weekly sales reports." However, Verbose Vince only muddles his message.
Takeaway tip: The most effective resumes are clear, concise and written in plain English. Cut to the chase and keep it simple by eliminating extraneous words and phrases.
Careless Carrie
Hiring managers don't have patience for people who send sloppy application materials. In fact, 84 percent of executives said it takes just one or two typos on a resume to disqualify a candidate from consideration, according to a survey by Robert Half International. Careless Carrie hasn't gotten the message. She undermines her impressive work history by submitting documents littered with spelling slip-ups, grammatical goofs, and improper punctuation.
Takeaway tip: Don't give hiring managers any reason to question your professionalism or attention to detail. After going over your resume with a fine-tooth comb, solicit proofreading assistance from trusted friends and colleagues.
Off-Topic Tom
There's no detail too personal or irrelevant as far as Off-Topic Tom is concerned. This candidate hurts his cause by disclosing superfluous information about all facets of his life. Off-Topic Tom's cluttered resume addresses everything from his age to his marital status to his favorite hobbies. While more focused job seekers zero in on their most noteworthy professional achievements, Off-Topic Tom highlights his credit score, birthdate, and bowling average.
Takeaway tip: Employers seek well-organized resumes that effectively summarize what professional qualifications you bring to the table. Delete personal information and non-work-related activities that have no bearing on your ability to perform the job.
Robert Half International is the world's first and largest specialized staffing firm with a global network of more than 360 offices worldwide. For more information about our professional services, please visit rhi.com. For additional workplace articles and podcasts, visit workvine.com.
When reviewing dozens (or even hundreds) of applications, time-strapped hiring managers often give resumes only a quick review to determine which candidates should be called for in-person meetings. If your application materials don't command immediate attention, you could be out of luck.
Keep yourself in the running by avoiding the resume mistakes of these common characters:
Generic Jen
No two organizations are the same. This simple fact is completely lost on Generic Jen, who submits the same untargeted resume to every company. Instead of taking the time to customize her resume by emphasizing the skills, attributes and professional experience most relevant to each position, she blindly blasts a one-size-fits-all document to any employer with an opening.
Takeaway tip: Tailor your content to each opportunity. Whenever possible, integrate relevant keywords found in the job ad. Remember: The more closely your resume matches the prospective employer's qualifications, the better your odds of securing an interview.
Verbose Vince
Why offer a succinct bullet point when you can say the same thing in six flowery sentences? That's the motto of Verbose Vince, who packs his lengthy resume with a laundry list of fancy five-dollar words and confounding jargon. This long-winded wordsmith "punctiliously shifts paradigms" and "expeditiously ensures the numerical veracity of weekly sales reports." However, Verbose Vince only muddles his message.
Takeaway tip: The most effective resumes are clear, concise and written in plain English. Cut to the chase and keep it simple by eliminating extraneous words and phrases.
Careless Carrie
Hiring managers don't have patience for people who send sloppy application materials. In fact, 84 percent of executives said it takes just one or two typos on a resume to disqualify a candidate from consideration, according to a survey by Robert Half International. Careless Carrie hasn't gotten the message. She undermines her impressive work history by submitting documents littered with spelling slip-ups, grammatical goofs, and improper punctuation.
Takeaway tip: Don't give hiring managers any reason to question your professionalism or attention to detail. After going over your resume with a fine-tooth comb, solicit proofreading assistance from trusted friends and colleagues.
Off-Topic Tom
There's no detail too personal or irrelevant as far as Off-Topic Tom is concerned. This candidate hurts his cause by disclosing superfluous information about all facets of his life. Off-Topic Tom's cluttered resume addresses everything from his age to his marital status to his favorite hobbies. While more focused job seekers zero in on their most noteworthy professional achievements, Off-Topic Tom highlights his credit score, birthdate, and bowling average.
Takeaway tip: Employers seek well-organized resumes that effectively summarize what professional qualifications you bring to the table. Delete personal information and non-work-related activities that have no bearing on your ability to perform the job.
Robert Half International is the world's first and largest specialized staffing firm with a global network of more than 360 offices worldwide. For more information about our professional services, please visit rhi.com. For additional workplace articles and podcasts, visit workvine.com.
Wednesday, December 24, 2008
Teaching them young
IT’S important that parents take the time to teach their children about responsibility when they are young.
This can be done by teaching them to take care of their possessions, including them in housework, giving them something to be responsible for, and teaching them about money.
These four elements will help them build responsibility as a character trait.
Teaching children to take care of their own possessions is an important element of responsibility. Even toddlers and very young children can learn to put their toys away, put their clothes in the laundry basket, and put their dirty dishes in the sink.
Explain to them that belongings like toys and clothes last longer if they take good care of them. Use real-life examples when possible – a toy that was left on the floor and was stepped on, for example, is an excellent teaching tool.
Make sure there are areas around your home for them to store their belongings – a toy box, a toddler level coat hook, etc – and teach them to put things back where they belong. Be sure that you model this behaviour, as well.
Include children in housework whenever possible. Show them how to rinse dishes, stir ingredients, and pick vegetables from the garden.
Children are more likely to try a new food that they’ve helped to prepare, so this may also be a great way to get them to eat their vegetables.
Child-sized toy broom, vacuums, and more are available for purchase at most toy stores, or you can buy them online.
Even the youngest child can "clean" with plain water and a rag, and including them in the housework may provide you house cleaning time that you would not otherwise get.
Even some educational schools of thought, such as Montessori, hold housework modelling in high regard.
When your children are slightly older, it may be wise to consider getting them a small pet, such as a fish, hermit crab, or hamster. The pet should be primarily their responsibility, although you can help when necessary.
Pets are excellent tools for learning about responsibility and caring for others, and will help your child learn these skills.
Be sure that your child is old enough to understand that the animal is dependent on them for food and shelter.
Take the time to teach your child about money as soon as they become interested. Show them the different denominations of bills and coins, and let them decide how to spend money that they receive as gifts.
Even small children enjoy putting small change into their piggy bank, and this teaches them about spending and saving.
Be sure that they understand that money is not limitless, and that the way one spends money must be prioritised.
Teaching your children financial responsibility may well be the best investment you ever make.
Raising a responsible child takes hard work and patience. Take the time to teach your child as they grow, and you’ll have a responsible teenager sooner than you’d think.
Monday, December 22, 2008
How to Handle Rejection
1. Change Your Dating Expectations. One of the first and most important things to understand is that no matter what you do, not everybody is going to respond positively to you. Not everyone you smile at will smile back at you. Not everyone you say hello to is going to say hello back to you. Stop expecting a positive response 100% of the time. Just because somebody did not smile back at you does not mean that you're not an attractive person or that you made a mistake by smiling. The only thing it means is that it did not work with that one person.
2. Life Is All About Rejection. Everything in life has rejection involved in it. If you're a salesperson who makes 10 sales calls, you may only get one or two people to say yes. A baseball player whose batting average is around 300 will likely end up in the Hall of Fame. A quarterback who can complete 55 percent of his passes is doing pretty well. Everything in life is about percentages. You don't quit simply because you experienced some rejection. Imagine if you stopped looking for work when your very first interview didn't result in a job offer. That would, of course, be ridiculous. Remember that you also need to keep going in your dating life when you're rejected, because you want to keep increasing your odds of success.
3. Focus on Increasing Your Dating Odds. When you feel like you are getting more than your fair share of rejections, instead of focusing on those rejections, focus on increasing your odds of success. The fact is that by playing the percentages as I mentioned above, you will be successful.The reason is that every time you take action -- every time you smile, say hello, or walk over and initiate a conversation -- you get better at it. If you're going to go out there and only talk to one person a day, then your chances of success are not going to be great. Increase your odds every single day and in everything you're doing.
4. Keep Things in Perspective. I hear some version of this from clients all the time: "What if I approach somebody, get rejected, and someone sees me? I'll never be able to go in that store again!" Get a little perspective here. Let me tell you something -- you're not front page news! When you're rejected, you need to just get over it. No one is talking about you. People are concerned about themselves and what is going on in their own lives, just as you are focused on what's going on in yours. So the fact that you get rejected in front of other people at the market, at the gym, or anywhere else is not a big deal to anyone but you.
5. Don't Overreact When Dating. The other thing I commonly hear from clients who have been rejected is some version of this: "I'm never going to talk to that person ever again now that I was rejected by them." This is not only a total overreaction, it is also absolutely the wrong thing to do. So you tried to talk to (or smile or look at) someone, and they didn't respond. As I mentioned above, there are a million possible reasons why that person did not respond to you. It doesn't necessarily mean that person wouldn't want to talk to you another time. If I smile at a woman and she doesn't respond, I don't play hide-and-go-seek the next time I see her. I am equally friendly to her the next time I see her, because you never know what will happen that second time. It's a different day. Put the last time behind you.
These are some ways to help you get over rejection. Realize that in order to get good at interacting with potential mates, you are going to get rejected. In fact, you want to get rejected every single day, because if you're not, it means you're not trying.
So ask yourself this: Did you get rejected today, and how can you go out tomorrow and make it an even better day than today? Learn to not only handle but to embrace rejection, and you will meet great new people and have an amazing social life
2. Life Is All About Rejection. Everything in life has rejection involved in it. If you're a salesperson who makes 10 sales calls, you may only get one or two people to say yes. A baseball player whose batting average is around 300 will likely end up in the Hall of Fame. A quarterback who can complete 55 percent of his passes is doing pretty well. Everything in life is about percentages. You don't quit simply because you experienced some rejection. Imagine if you stopped looking for work when your very first interview didn't result in a job offer. That would, of course, be ridiculous. Remember that you also need to keep going in your dating life when you're rejected, because you want to keep increasing your odds of success.
3. Focus on Increasing Your Dating Odds. When you feel like you are getting more than your fair share of rejections, instead of focusing on those rejections, focus on increasing your odds of success. The fact is that by playing the percentages as I mentioned above, you will be successful.The reason is that every time you take action -- every time you smile, say hello, or walk over and initiate a conversation -- you get better at it. If you're going to go out there and only talk to one person a day, then your chances of success are not going to be great. Increase your odds every single day and in everything you're doing.
4. Keep Things in Perspective. I hear some version of this from clients all the time: "What if I approach somebody, get rejected, and someone sees me? I'll never be able to go in that store again!" Get a little perspective here. Let me tell you something -- you're not front page news! When you're rejected, you need to just get over it. No one is talking about you. People are concerned about themselves and what is going on in their own lives, just as you are focused on what's going on in yours. So the fact that you get rejected in front of other people at the market, at the gym, or anywhere else is not a big deal to anyone but you.
5. Don't Overreact When Dating. The other thing I commonly hear from clients who have been rejected is some version of this: "I'm never going to talk to that person ever again now that I was rejected by them." This is not only a total overreaction, it is also absolutely the wrong thing to do. So you tried to talk to (or smile or look at) someone, and they didn't respond. As I mentioned above, there are a million possible reasons why that person did not respond to you. It doesn't necessarily mean that person wouldn't want to talk to you another time. If I smile at a woman and she doesn't respond, I don't play hide-and-go-seek the next time I see her. I am equally friendly to her the next time I see her, because you never know what will happen that second time. It's a different day. Put the last time behind you.
These are some ways to help you get over rejection. Realize that in order to get good at interacting with potential mates, you are going to get rejected. In fact, you want to get rejected every single day, because if you're not, it means you're not trying.
So ask yourself this: Did you get rejected today, and how can you go out tomorrow and make it an even better day than today? Learn to not only handle but to embrace rejection, and you will meet great new people and have an amazing social life
How to Start a Conversation When You Have Nothing to Talk About
Start with a "hello," and simply tell the new person your name then ask them theirs. Offer your hand to shake, upon his/her responding to you. (If you go to other countries, greet the person in tune with the particular culture, e.g. in India greet by saying 'namaste' with folded hands). If you already know the person, skip this step and proceed to step 3.
Look around. See if there is anything worth pointing out. Sure, talking about the weather is a cliche, but if there's something unusual about it--bam!--you've got a great topic of conversation.
Offer a compliment. Don't lie and say you love someone's hair when you think it's revolting, but if you like his or her shoes, or a handbag, say so. A sincere compliment is a wonderful way to get someone to warm up to you. But be careful not to say something so personal that you scare the person off or make him or her feel uncomfortable. It is best not to compliment a person's looks or body.
Ask questions! Most people love to talk about themselves --- get them going. "What classes are you taking this year?" but don't talk about yourself too much that makes you seem full of yourself. "Have you seen (Insert-Something-Here)? What did you think of it?" Ask open ended questions that will get them talking. For example, a good question would be, "That's a nice handbag, where'd you get it?" and then they can talk about the day that they went shopping and all this funny stuff happened, as opposed to, "I like your handbag." "Thank you." and then its over. Again, keep the questions light and not invasive. Do not ask too many questions if he or she is not responsive to them.
Jump on any conversation-starters he or she might offer; take something he or she has said and run with it. Agree, disagree, ask a question about it, or offer an opinion, just don't let it go by without notice.
Look your newfound friend in the eye, it engenders trust (but don't stare). Also, use the person's name a time or two during the conversation; it will help you remember the name, and will draw the person's attention to what you are talking about.
Don't forget to smile and have fun with your conversation!
Look around. See if there is anything worth pointing out. Sure, talking about the weather is a cliche, but if there's something unusual about it--bam!--you've got a great topic of conversation.
Offer a compliment. Don't lie and say you love someone's hair when you think it's revolting, but if you like his or her shoes, or a handbag, say so. A sincere compliment is a wonderful way to get someone to warm up to you. But be careful not to say something so personal that you scare the person off or make him or her feel uncomfortable. It is best not to compliment a person's looks or body.
Ask questions! Most people love to talk about themselves --- get them going. "What classes are you taking this year?" but don't talk about yourself too much that makes you seem full of yourself. "Have you seen (Insert-Something-Here)? What did you think of it?" Ask open ended questions that will get them talking. For example, a good question would be, "That's a nice handbag, where'd you get it?" and then they can talk about the day that they went shopping and all this funny stuff happened, as opposed to, "I like your handbag." "Thank you." and then its over. Again, keep the questions light and not invasive. Do not ask too many questions if he or she is not responsive to them.
Jump on any conversation-starters he or she might offer; take something he or she has said and run with it. Agree, disagree, ask a question about it, or offer an opinion, just don't let it go by without notice.
Look your newfound friend in the eye, it engenders trust (but don't stare). Also, use the person's name a time or two during the conversation; it will help you remember the name, and will draw the person's attention to what you are talking about.
Don't forget to smile and have fun with your conversation!
Thursday, December 18, 2008
8 Little-Known Tricks for the Job Hunt
You're up to date on the latest job-search ideas, right? You're responding to posted job ads. You're crafting smart and incisive cover letters to accompany your resume on its travels. You're networking like crazy. What else can you do?
You may be leaving a few essential job-search stones unturned. Here are eight less-well-known ways to get the word out and jump on job-search opportunities:
Add a signature line to your outgoing email messages, to remind your friends and contacts that you're on a job search. Much as they love you, it's easy for our friends to forget our day-to-day priorities, including a job search that feels like a life-or-death proposition to you. Add a signature line to your email messages that reminds your friends what you're after.
Include your LinkedIn profile URL in that signature. You can customize your LinkedIn profile's URL (as soon as you set up a free LinkedIn profile) to something that sounds logical, like www.linkedin.com/in/yourname. Add this to the signature line I recommended a moment ago. Might as well make it easy for people to check out your credentials!
Use Twitter to keep your fans in the loop. A daily (or even more frequent) Twitter 'tweet' from you keeps your cronies and well-wishers abreast of your latest job-search happenings. If you tweet to say "Got an interview at Apple tomorrow morning," then your friends with friends at Apple can jump into the scene and help you out with a side-door connection or referral.
Make your Facebook page work for you -- not against you. Smart job-seekers fill their Facebook pages with useful and relevant information about what they've accomplished and where their strengths lie. Using Facebook effectively in a job search requires more than just taking down the party-animal photos. Prospective employers are bound to see your online persona, so you may as well make it one that moves the ball forward for you.
Add a quote to your resume. Got a favorite quote (in writing) from a boss who praised your work? Add it to your resume in place of the tedious "References available on request." Everyone knows your references are available. Tell us (in twenty words or fewer) what one of those people actually said about you -- the more specific the kudos, the better!
Get a Moo card. Job-search business cards are great tools, because they're easy to pass to a conversational partner at a networking event (no one wants to take your 8.5 x 11 resume in a setting like that). Moo mini-cards are cooler than regular business cards, because they're small and attention-grabbing. If your field is creative, techie, or you just want to stand out a little, order your mini-Moo cards online at moo.com.
Put a voice on your job-search profile. Too shy to appear on camera? Add an audio file to your LinkedIn, Facebook or other social-networking profile to help job-search targets and influencers get a feel for who you are and how you think. Buy a headset for a few bucks and download Audacity for free to make high-quality audio files. You can even send your podcasts to iTunes and build a following!
Rewrite your resume so it sounds human. As a careers expert, the biggest job-search stumbling block I see is a boilerplate-laden resume that sounds like every other resume I see. Yank the boilerplate out of your resume and give it a human voice, replacing "results-oriented professional" with "I'm happiest solving thorny technical problems that slow down product development" or whatever (human) statement describes you.
A job search doesn't leave room for error these days. Details can make all the difference -- better put every tool to work for you now, and put your job search behind you sooner.
Liz Ryan is a 25-year HR veteran, former Fortune 500 VP and an internationally recognized expert on careers and the new millennium workplace. Contact Liz at liz@asklizryan.com or join the Ask Liz Ryan online community at www.asklizryan/group.
You may be leaving a few essential job-search stones unturned. Here are eight less-well-known ways to get the word out and jump on job-search opportunities:
Add a signature line to your outgoing email messages, to remind your friends and contacts that you're on a job search. Much as they love you, it's easy for our friends to forget our day-to-day priorities, including a job search that feels like a life-or-death proposition to you. Add a signature line to your email messages that reminds your friends what you're after.
Include your LinkedIn profile URL in that signature. You can customize your LinkedIn profile's URL (as soon as you set up a free LinkedIn profile) to something that sounds logical, like www.linkedin.com/in/yourname. Add this to the signature line I recommended a moment ago. Might as well make it easy for people to check out your credentials!
Use Twitter to keep your fans in the loop. A daily (or even more frequent) Twitter 'tweet' from you keeps your cronies and well-wishers abreast of your latest job-search happenings. If you tweet to say "Got an interview at Apple tomorrow morning," then your friends with friends at Apple can jump into the scene and help you out with a side-door connection or referral.
Make your Facebook page work for you -- not against you. Smart job-seekers fill their Facebook pages with useful and relevant information about what they've accomplished and where their strengths lie. Using Facebook effectively in a job search requires more than just taking down the party-animal photos. Prospective employers are bound to see your online persona, so you may as well make it one that moves the ball forward for you.
Add a quote to your resume. Got a favorite quote (in writing) from a boss who praised your work? Add it to your resume in place of the tedious "References available on request." Everyone knows your references are available. Tell us (in twenty words or fewer) what one of those people actually said about you -- the more specific the kudos, the better!
Get a Moo card. Job-search business cards are great tools, because they're easy to pass to a conversational partner at a networking event (no one wants to take your 8.5 x 11 resume in a setting like that). Moo mini-cards are cooler than regular business cards, because they're small and attention-grabbing. If your field is creative, techie, or you just want to stand out a little, order your mini-Moo cards online at moo.com.
Put a voice on your job-search profile. Too shy to appear on camera? Add an audio file to your LinkedIn, Facebook or other social-networking profile to help job-search targets and influencers get a feel for who you are and how you think. Buy a headset for a few bucks and download Audacity for free to make high-quality audio files. You can even send your podcasts to iTunes and build a following!
Rewrite your resume so it sounds human. As a careers expert, the biggest job-search stumbling block I see is a boilerplate-laden resume that sounds like every other resume I see. Yank the boilerplate out of your resume and give it a human voice, replacing "results-oriented professional" with "I'm happiest solving thorny technical problems that slow down product development" or whatever (human) statement describes you.
A job search doesn't leave room for error these days. Details can make all the difference -- better put every tool to work for you now, and put your job search behind you sooner.
Liz Ryan is a 25-year HR veteran, former Fortune 500 VP and an internationally recognized expert on careers and the new millennium workplace. Contact Liz at liz@asklizryan.com or join the Ask Liz Ryan online community at www.asklizryan/group.
Most Promising Places to Start a New Career
All things being equal, where you live can make a huge difference in what you earn. Whether you're ready to make a move to a new city or you want to choose an education that fits the needs of your hometown, career training can make a big difference to your wallet.
When it comes to marketing your degree, the old axiom for real estate holds true -- it's all about location, location, location. Check out these top degrees available online, matched with some of their best areas nationwide and earnings from the Bureau of Labor Statistics (BLS).
Associate Degree: Medical Assisting
The BLS has medical assistants on its list of fastest-growing careers through 2016, with about 148,000 new jobs expected to enter the field in the coming years. A short, two-year associate degree is considered proper training for this growing health care industry career.
Top Industry: Physicians' offices hire the most medical assistants by far, with mean annual earnings of $28,460 in 2007. However, specialty hospitals paid more, at $31,860.
Top Location: Areas with high levels of retirement communities, such as Arizona and Florida, are expected to see an influx of career opportunities for medical assistants. Look for locations with hospitals, nursing care centers, and physicians' offices.
Bachelor's Degree + Certificate: Teaching
Career training to become a teacher means playing a direct role in the next generation. A bachelor's degree plus teacher certification is the typical path for most teachers, though some school districts require teachers to complete a master's degree within a certain period after hire. Areas of high growth are typically good for teaching occupations.
Top Industry: Secondary school teachers make more than preschool, kindergarten, or elementary school teachers, with mean annual earnings of $52,450. Vocational education teachers at the secondary level aren't far behind.
Top Location: The U.S. Bureau of Labor statistics reports that Nevada, Arizona, Texas, and Georgia will experience the greatest student enrollment increases. Job prospects for teachers are expected to be better in rural and inner city areas than suburban locations.
Certificate: Paralegals and Legal Assistants
Want to work in the legal industry but wary about years of law school education? Career training programs for paralegals and legal assistants put you in law offices and businesses, assisting lawyers as they build cases and protect assets.
Top Industry: Though the vast majority of trained paralegals and legal assistants work in the legal industry and saw mean annual earnings of $46,110 in 2007, those working in the federal government earned $59,180.
Top Location: The District of Columbia is the top-paying employer nationwide for paralegals and legal assistants, with mean annual earnings of $57,450. The tiny district also had the highest concentration of workers in the field in the nation.
Master's Degree: MBA in Finance
The popular MBA takes a technical turn with a finance concentration. Forbes cites finance degrees on its list of most lucrative college majors, noting a salary growth that soars over $84,000 for those with 10 or more years of experience. You may see even more impressive earnings if you're smart about your industry and location.
Top Industry: Personal financial advisors see a lot of success in the legal services industry, where mean annual earnings were $103,990 in 2007.
Top Location: New York has long been known as a financial hub, and for good reason. Financial analysts working in the state saw mean annual earnings of $100,350 in 2007. That same year, personal financial advisors in the state earned $131,660.
Bachelor's Degree: Computer Engineering
This high-tech degree is in high demand -- Forbes calls it the most lucrative college major available, and even graduates with a bachelor's degree and up to five years of experience earn a whopping average salary of $60,500.
Top Industry: Computer engineers break out of the cubicle in scientific research and development services, a top-paying industry for systems software engineers with annual mean earnings of $102,790.
Top Location: California remains the go-to state for IT professionals, with applications engineers earning $95,820. However, systems software engineers in Virginia earned a whopping $101,850 in 2007, making the southern state a six-figure surprise location for computer engineers.
Earnings vary greatly based on experience and education, and your experience may vary, but an education can be the best way to secure employment in these challenging, growing, lucrative fields.
Amelia Gray is a freelance writer in Austin, Texas. She earned a Bachelor's Degree in English Literature from Arizona State University and an MFA from Texas State University.
When it comes to marketing your degree, the old axiom for real estate holds true -- it's all about location, location, location. Check out these top degrees available online, matched with some of their best areas nationwide and earnings from the Bureau of Labor Statistics (BLS).
Associate Degree: Medical Assisting
The BLS has medical assistants on its list of fastest-growing careers through 2016, with about 148,000 new jobs expected to enter the field in the coming years. A short, two-year associate degree is considered proper training for this growing health care industry career.
Top Industry: Physicians' offices hire the most medical assistants by far, with mean annual earnings of $28,460 in 2007. However, specialty hospitals paid more, at $31,860.
Top Location: Areas with high levels of retirement communities, such as Arizona and Florida, are expected to see an influx of career opportunities for medical assistants. Look for locations with hospitals, nursing care centers, and physicians' offices.
Bachelor's Degree + Certificate: Teaching
Career training to become a teacher means playing a direct role in the next generation. A bachelor's degree plus teacher certification is the typical path for most teachers, though some school districts require teachers to complete a master's degree within a certain period after hire. Areas of high growth are typically good for teaching occupations.
Top Industry: Secondary school teachers make more than preschool, kindergarten, or elementary school teachers, with mean annual earnings of $52,450. Vocational education teachers at the secondary level aren't far behind.
Top Location: The U.S. Bureau of Labor statistics reports that Nevada, Arizona, Texas, and Georgia will experience the greatest student enrollment increases. Job prospects for teachers are expected to be better in rural and inner city areas than suburban locations.
Certificate: Paralegals and Legal Assistants
Want to work in the legal industry but wary about years of law school education? Career training programs for paralegals and legal assistants put you in law offices and businesses, assisting lawyers as they build cases and protect assets.
Top Industry: Though the vast majority of trained paralegals and legal assistants work in the legal industry and saw mean annual earnings of $46,110 in 2007, those working in the federal government earned $59,180.
Top Location: The District of Columbia is the top-paying employer nationwide for paralegals and legal assistants, with mean annual earnings of $57,450. The tiny district also had the highest concentration of workers in the field in the nation.
Master's Degree: MBA in Finance
The popular MBA takes a technical turn with a finance concentration. Forbes cites finance degrees on its list of most lucrative college majors, noting a salary growth that soars over $84,000 for those with 10 or more years of experience. You may see even more impressive earnings if you're smart about your industry and location.
Top Industry: Personal financial advisors see a lot of success in the legal services industry, where mean annual earnings were $103,990 in 2007.
Top Location: New York has long been known as a financial hub, and for good reason. Financial analysts working in the state saw mean annual earnings of $100,350 in 2007. That same year, personal financial advisors in the state earned $131,660.
Bachelor's Degree: Computer Engineering
This high-tech degree is in high demand -- Forbes calls it the most lucrative college major available, and even graduates with a bachelor's degree and up to five years of experience earn a whopping average salary of $60,500.
Top Industry: Computer engineers break out of the cubicle in scientific research and development services, a top-paying industry for systems software engineers with annual mean earnings of $102,790.
Top Location: California remains the go-to state for IT professionals, with applications engineers earning $95,820. However, systems software engineers in Virginia earned a whopping $101,850 in 2007, making the southern state a six-figure surprise location for computer engineers.
Earnings vary greatly based on experience and education, and your experience may vary, but an education can be the best way to secure employment in these challenging, growing, lucrative fields.
Amelia Gray is a freelance writer in Austin, Texas. She earned a Bachelor's Degree in English Literature from Arizona State University and an MFA from Texas State University.
Saturday, December 13, 2008
Seven Warning Signs of a Troubled Relationship
When couples wait too long to ask for help, the relationship may be beyond repair. The sooner help is sought, the better chance there is of recovering, saving and actually strengthening the relationship. This includes issues dealing with affairs or other types of betrayal.
The longer we wait, the more entrenched we get in destructive patterns and resentment and all hope for change is lost. At a certain point we don't even want change... we just want to be done.
The seven warning signs that a relationship is in trouble are:
1. Fighting has become the rule rather than the exception to the rule.
2. You find yourself looking outside the relationship for comfort, care, and understanding.
3. You can't remember what attracted you to your partner in the first place.
4. There is little or no intimacy in your relationship -- sleeping in different rooms or different beds, lack of interest, anger, and hostility so that intimacy is out of the question.
5. Spending very little time together, friends seem to be more important than your partner.
6. Reactions to situations are disproportionate to the content of the disagreement (i.e., feeling your partner doesn't love you because she/he didn't like the meal you cooked).
7. Feeling helpless and hopeless to change anything. Feeling done with the relationship, but unclear as to where to go and what to do. Feelings of anger, resentment, pain, and desperation are predominant.
If any or all of these describe you in your relationship, your relationship is in trouble and it won't be long before something more drastic happens, such as an affair, arguments get worse and inflate with intensity, increased jealousy, silence for longer periods of time, and sometimes even physical and/or verbal abuse.
Before your relationship reaches that critical crisis point, look at the warning signs and do something before it's too late:
Seek psychotherapy
Read books
Talk to a spiritual/religious advisor
Without help, the relationship will never get better with time; once a certain level of resentment, anger, and hostility hits, it will simply get worse and worse. Avoiding a total crisis and saving the relationship is done by knowing when you're in trouble and taking immediate action.
The longer we wait, the more entrenched we get in destructive patterns and resentment and all hope for change is lost. At a certain point we don't even want change... we just want to be done.
The seven warning signs that a relationship is in trouble are:
1. Fighting has become the rule rather than the exception to the rule.
2. You find yourself looking outside the relationship for comfort, care, and understanding.
3. You can't remember what attracted you to your partner in the first place.
4. There is little or no intimacy in your relationship -- sleeping in different rooms or different beds, lack of interest, anger, and hostility so that intimacy is out of the question.
5. Spending very little time together, friends seem to be more important than your partner.
6. Reactions to situations are disproportionate to the content of the disagreement (i.e., feeling your partner doesn't love you because she/he didn't like the meal you cooked).
7. Feeling helpless and hopeless to change anything. Feeling done with the relationship, but unclear as to where to go and what to do. Feelings of anger, resentment, pain, and desperation are predominant.
If any or all of these describe you in your relationship, your relationship is in trouble and it won't be long before something more drastic happens, such as an affair, arguments get worse and inflate with intensity, increased jealousy, silence for longer periods of time, and sometimes even physical and/or verbal abuse.
Before your relationship reaches that critical crisis point, look at the warning signs and do something before it's too late:
Seek psychotherapy
Read books
Talk to a spiritual/religious advisor
Without help, the relationship will never get better with time; once a certain level of resentment, anger, and hostility hits, it will simply get worse and worse. Avoiding a total crisis and saving the relationship is done by knowing when you're in trouble and taking immediate action.
Thursday, December 11, 2008
Bringing up children
WE’RE living in the Internet age, and it’s more important than ever before to teach your children how to use the Internet safely. Cyber bullying and sexual abuse are on the rise, and more and more predators are finding their victims online.
To keep your children safe, you should have a clear Internet usage policy in your home, with consequences if they fail to abide by it.
Here are some guidelines to help you along.
» Teach your children to guard against feeling too comfortable online, and to avoid giving out personal information to anyone that they don’t know personally.
Information to protect includes full name, hometown, school, birth date, age, social security number or account numbers, passwords, and any other personally identifying information.
Predators often "groom" their victims – getting to know them over a period of time while they slowly extract bits of personal information from them.
They may even pose as another teen to get the children to let down their guard.
» Explain to your child the danger of posting sexually explicit or suggestive pictures online. They could attract a predator, be released to someone your child doesn’t want to see them, or even a future employer.
Remind your children that the Internet isn’t always as anonymous as it appears to be.
» Show your children how to pick out a screen name that is an expression of their personality, but still anonymous. Teach them to leave out their names, ages, birth dates, and locations.
For example, sexxykatie197 might not be such a great idea, while dodgersfan003 is perfectly acceptable.
» Warn your children against sexual predators and how they generally operate. Teach them how dangerous it is to meet anyone in person that they’ve only met through the Internet.
Show them how to keep logs of their chats using instant messaging software, and how to save or archive their emails.
There’s no need to scare them to death, but be sure that they have a general knowledge of Internet safety and why it is important.
» Encourage open communication. Remind your children that your door is always open, and that they can talk to you about anything that makes them feel uncomfortable.
Tell your children that you’re more than willing to go to bat for them, but you need to have the information about what’s going on in order to do so.
If something on the Internet seems weird or strange, it probably is. If they’re being bullied or propositioned online, you need to know about it in order to help them.
The Internet is a truly wonderful tool. Many of us use it on a daily basis, either for work or personal use. With proper boundaries, it can truly expand your children’s world.
Take the time to teach your children how to use the Internet safely and to limit their risks. Doing so is a great investment of your time, and will help to keep them safe.
Saturday, December 6, 2008
Becoming A Guarantor
WHO CAN BE A GUARANTOR?
To be a guarantor he or she must be:
18 years old and above
Not a bankrupt
Of sound mind and having the mental capacity to understand the responsibilities and obligations of a guarantor
Not forced, influenced or tricked into being a guarantor
AS A GUARANTOR, YOU HAVE THE RIGHT TO DO THE FOLLOWING THINGS:
Obtain a copy of the guarantee letter or contract and any other documents in relation to the loan transaction
Seek legal advice before signing the contract
Information on the outstanding balance of the borrower’s account subject to the borrower’s consent
Call upon the borrower to pay off the loan to release you from all your liabilities under the guarantee.
Be indemnified by the borrower for any payment made to the financial institution
IMPORTANT THINGS TO REMEMBER BY BEING A GUARANTOR:
Read and understand the nature of the guarantee. Most people willingly sign on as a guarantor without understanding the impacts on them.
Check and ensure the guarantee is subject to the laws of Malaysia.
Be wary about giving a copy of your identification to anyone other than the financial institution or your lawyers.
Do not sign a blank or partially filled document, or if you do not have a financial, business or moral interest in the transaction.
Do not become a guarantor to someone whom you have doubts about their ability or integrity.
Ensure that you are aware of your liabilities in the event that variations are made to the terms and conditions of the loan.
Monday, December 1, 2008
How to Write a Resume That Gets Interviews
Ask yourself, what do "The Lord of the Rings," "Catcher in the Rye" and your resume have in common?
If you consider them great works of fiction, then it's time to rethink your resume.
A resume isn't a list of exaggerations. It's not a hodgepodge of cut and pasted job descriptions printed out on nice paper. Nor is it a forum to advertise that you're 6 feet 2 inches tall, single, a non-smoker and willing to relocate.
Simply put, a resume is an advertisement that makes the reader act. And if your resume is well-written, the reader should want to interview you.
Get advice on how to create resumes that get interviews -- right from a recruiter himself.
Keep It Simple
Recruiters want resumes that are simple to understand, especially when it comes to the skills needed to perform the job and employment history.
Be sure your resume clearly communicates that you possess the knowledge and experience needed to perform the job in question. Use the job description to tailor your resume to the position. Try to avoid industry jargon and Dilbert-esque words such as "facilitated" or "value-added" when describing your skills and experiences.
Your resume should also include your dates of employment. The absence of dates makes recruiters scrutinize your employment history even more closely.
Features Versus Benefits
Your resume should show how you can benefit an employer -- not just list your features and skills.
Past performance is often an indicator of future performance. Explain how you made a past employer money, saved them money or improved a process or product.
Think about instances where you went above and beyond the call of duty. Look at past performance reviews to refresh your memory. Employers want the best employees, and your resume should reflect your value.
Truth in Advertising
People say that it's the sizzle that sells the steak. That may be true but, when it comes to job searching, you have to have done what you claim on your resume.
Many employers today take steps to ensure that you have the background you claim. They have a wide variety of background checking tools at their disposal.
Background checks can include:
*reference checks,
*credit checks,
*criminal background checks,
*past employment verification,
*education verification and
*social security number traces to verify identity.
If you're dishonest in the hiring process, odds are that you'll be caught. Rather than waste the recruiter's time -- and your time -- be truthful on your resume. It's not only the right thing to do, but the smart thing.
It Takes Two
You can't create a strong resume alone. Everyone needs help.
Don't rely on automatic spelling and grammar checking programs. You need to find an editor you trust. If no one in your immediate circle of family or friends can help, try other resources. Yahoo! HotJobs offers valuable resume tips and advice.
Staff at your state's employment development office may be available to review your resume. Staffing agency recruiters may also volunteer to help you. And finally, you can even take advantage of a professional resume writing service.
Writing an effective resume requires practice and feedback. But once you get the basics down, interviews are sure to follow.
If you consider them great works of fiction, then it's time to rethink your resume.
A resume isn't a list of exaggerations. It's not a hodgepodge of cut and pasted job descriptions printed out on nice paper. Nor is it a forum to advertise that you're 6 feet 2 inches tall, single, a non-smoker and willing to relocate.
Simply put, a resume is an advertisement that makes the reader act. And if your resume is well-written, the reader should want to interview you.
Get advice on how to create resumes that get interviews -- right from a recruiter himself.
Keep It Simple
Recruiters want resumes that are simple to understand, especially when it comes to the skills needed to perform the job and employment history.
Be sure your resume clearly communicates that you possess the knowledge and experience needed to perform the job in question. Use the job description to tailor your resume to the position. Try to avoid industry jargon and Dilbert-esque words such as "facilitated" or "value-added" when describing your skills and experiences.
Your resume should also include your dates of employment. The absence of dates makes recruiters scrutinize your employment history even more closely.
Features Versus Benefits
Your resume should show how you can benefit an employer -- not just list your features and skills.
Past performance is often an indicator of future performance. Explain how you made a past employer money, saved them money or improved a process or product.
Think about instances where you went above and beyond the call of duty. Look at past performance reviews to refresh your memory. Employers want the best employees, and your resume should reflect your value.
Truth in Advertising
People say that it's the sizzle that sells the steak. That may be true but, when it comes to job searching, you have to have done what you claim on your resume.
Many employers today take steps to ensure that you have the background you claim. They have a wide variety of background checking tools at their disposal.
Background checks can include:
*reference checks,
*credit checks,
*criminal background checks,
*past employment verification,
*education verification and
*social security number traces to verify identity.
If you're dishonest in the hiring process, odds are that you'll be caught. Rather than waste the recruiter's time -- and your time -- be truthful on your resume. It's not only the right thing to do, but the smart thing.
It Takes Two
You can't create a strong resume alone. Everyone needs help.
Don't rely on automatic spelling and grammar checking programs. You need to find an editor you trust. If no one in your immediate circle of family or friends can help, try other resources. Yahoo! HotJobs offers valuable resume tips and advice.
Staff at your state's employment development office may be available to review your resume. Staffing agency recruiters may also volunteer to help you. And finally, you can even take advantage of a professional resume writing service.
Writing an effective resume requires practice and feedback. But once you get the basics down, interviews are sure to follow.
No Outsourcing Here: Jobs That Are Staying Put
When outsourcing first began, most college students and recent grads weren't concerned with whether or not their chosen industry would remain based in the U.S. Today, many workers realize they have equally educated and skilled workers competing for the same jobs overseas. To become more competitive, many now choose a career path that is firmly planted on our home turf.
Jobs That Are Here to Stay
Here are nine jobs that are not likely to be shipped oceans away (source: U.S. Department of Labor):
Dental Assistant
It's tough to clean teeth from across the world. A career as a dental assistant usually begins with an associate's degree from an accredited college or university.
Pharmacy Technician
People take their health seriously -- that's why a certification as a pharmacy tech is not likely to be outsourced.
Fitness Professional
It's hard enough to be motivated in-person. Offshore encouragement won't cut it. A career in fitness can begin with a certificate program.
Teacher Aide
Teachers need live help to care for kids. An anonymous, off-site representative just won't cut it when it comes to educating our kids.
Auto Repair Technician
Most car troubles can't be repaired with simple, over-the-phone instructions. An auto tech studies anywhere from 6 months to 2 or more years, and will always have a steady stream of live customers.
Pet Groomer
Along the lines of a dog trainer, pet grooming just must be done in person. This is usually only a certificate program.
Plumber
This career depends fully on local workers -- plumbers definitely won't be phoning in from overseas to unclog your toilet.
Veterinary Assistant
A pet's health and happiness is of serious importance to most owners, and they won't be putting it in the hands of foreign workers. You can become a vet assistant by completing a certificate program.
Electrician
This highly technical and hands-on job simply can't be done any other way, except live and in-person.
Jobs That Are Here to Stay
Here are nine jobs that are not likely to be shipped oceans away (source: U.S. Department of Labor):
Dental Assistant
It's tough to clean teeth from across the world. A career as a dental assistant usually begins with an associate's degree from an accredited college or university.
Pharmacy Technician
People take their health seriously -- that's why a certification as a pharmacy tech is not likely to be outsourced.
Fitness Professional
It's hard enough to be motivated in-person. Offshore encouragement won't cut it. A career in fitness can begin with a certificate program.
Teacher Aide
Teachers need live help to care for kids. An anonymous, off-site representative just won't cut it when it comes to educating our kids.
Auto Repair Technician
Most car troubles can't be repaired with simple, over-the-phone instructions. An auto tech studies anywhere from 6 months to 2 or more years, and will always have a steady stream of live customers.
Pet Groomer
Along the lines of a dog trainer, pet grooming just must be done in person. This is usually only a certificate program.
Plumber
This career depends fully on local workers -- plumbers definitely won't be phoning in from overseas to unclog your toilet.
Veterinary Assistant
A pet's health and happiness is of serious importance to most owners, and they won't be putting it in the hands of foreign workers. You can become a vet assistant by completing a certificate program.
Electrician
This highly technical and hands-on job simply can't be done any other way, except live and in-person.
5 Ways to Protect Your Kids (and Yourself!) from the Flu
There are few steps that you can take to protect yourself and your family from what seems to be the inevitable flu. The guardian of the health of our body is the immune system. While intangible and challenging to identify, the immune system has very specific signs and symptoms.
For a moment, put aside the traditional considerations for assessing your child’s health. Instead, I’d like you to consider some new approaches and angles that will provide you with insight into the likelihood that your child will stay healthy or get sick this winter season.
1. Sugar and processed foods impact the immune system.
Studies have shown that through a complex system of chemical processes sugar and processed foods depress the immune system. There exists a direct link between the amount of these foods that your child consumes and his/her health.
Obvious foods such as sodas, candy, cookies, ice cream, and potato chips are the big guns that should be kept concealed.
Even more disturbing are the foods that you think are healthy for your child that hide sugar and many refined ingredients: yogurt, and yogurt drinks and “pops;”most cereals; juices; fruit roll ups and “leathers;” “healthy” cookies and treats, soy ice cream and frozen treats. While being marketed as healthy choices, these foods aren’t much better than the obvious poor choices. Work hard during flu season to keep these foods away from your children. Read ingredient labels and watch out for: corn syrup, high fructose corn syrup or “HFCS,” brown rice syrup, fructose, sucrose, barleymalt and the obvious, sugar.
2. Fresh foods offer the highest quality vitamins.
It’s shocking to me how often I see people turn to orange juice for vitamin C in an effort to fight off a cold or flu.
It is important to understand that the majority of vitamin C in orange juice is added after processing. Vitamin C and others like zinc, vitamin E, and magnesium help to support the immune system and are a great defense during flu season.
Choose better by having kids eat fresh whole foods such as cherries, berries, and apples, and vegetables such as spinach, kale, Brussels sprouts, broccoli, carrots and sweet potatoes.
I know you probably hear this suggestion all the time, but it can’t be stressed enough. It is imperative to find creative ways to prepare vegetables so that kids will actually eat them. Sautee, roast or grill vegetables with olive oil or real butter, add some fresh sea salt or sprinkle with organic low fat cheese and kids will be more likely to eat.
3. Sleep will boost the immune system.
At night while we rest, the body is working to rebuild the immune system. Deep sleep allows a complex set of hormonal changes that recharge the body so that it’s resilient the next day. Be diligent and ensure that kids get a full night sleep of 8-10 hours.
Mandate bedtime despite protests and stick to a regular schedule. These are the times that mom and dad really need to be the boss. Resist the temptation to allow your child to stay up late and watch his or her favorite show. At the end of the day when you are tired as well, it’s easy to give in to your child’s vigilant campaign.
Remember: Would you rather avoid the confrontation tonight? Or deal with a sick kid tomorrow?
4. Fatigue is the first sign of a distressed immune system.
As already stated, the immune system desperately needs sleep to keep the body healthy. When the immune system is fighting to keep your child healthy, it requests that the body get extra rest to help in the fight.
If your child seems more fatigued than usual, it could be a very strong signal that your child is on the brink of getting sick.
The best way to fight off a cold or flu is to act immediately and get extra rest. Pay attention to the health of others around you such as those at work or your child’s school. If you hear of a bug “going around” and you notice that your child is tired, there’s a good chance that extra sleep will ward off the cold or flu. This is the time to allow extra television and require a mid-day nap.
5. Wash hands frequently, but avoid antibacterial products.
This seems counterintuitive, but the best way to kill environmental germs is to use soap and hot water and scrub hands thoroughly. Bacteria live all around us. They are on every surface we touch and in every breath we take. Without bacteria, our immune system wouldn’t learn to be strong.
Our internal bacterial system fights off invaders and thereby gets more effective at winning the battle. It’s just like working out: In order to become stronger, you must work hard in the gym. Your child’s body is a bacterial gym. Again, this comes back to the immune system. If you foster a strong immune system, your child’s body will fight off invaders and therefore become more resilient to future battles. While it is imperative to wash hands frequently during flu season, remember that the hands are only one very small way that germs enter your child’s system. Killing off the germs on hands with antibacterial products is futile and weakens your child’s- and the world’s- future ability to confront germs.
For a moment, put aside the traditional considerations for assessing your child’s health. Instead, I’d like you to consider some new approaches and angles that will provide you with insight into the likelihood that your child will stay healthy or get sick this winter season.
1. Sugar and processed foods impact the immune system.
Studies have shown that through a complex system of chemical processes sugar and processed foods depress the immune system. There exists a direct link between the amount of these foods that your child consumes and his/her health.
Obvious foods such as sodas, candy, cookies, ice cream, and potato chips are the big guns that should be kept concealed.
Even more disturbing are the foods that you think are healthy for your child that hide sugar and many refined ingredients: yogurt, and yogurt drinks and “pops;”most cereals; juices; fruit roll ups and “leathers;” “healthy” cookies and treats, soy ice cream and frozen treats. While being marketed as healthy choices, these foods aren’t much better than the obvious poor choices. Work hard during flu season to keep these foods away from your children. Read ingredient labels and watch out for: corn syrup, high fructose corn syrup or “HFCS,” brown rice syrup, fructose, sucrose, barleymalt and the obvious, sugar.
2. Fresh foods offer the highest quality vitamins.
It’s shocking to me how often I see people turn to orange juice for vitamin C in an effort to fight off a cold or flu.
It is important to understand that the majority of vitamin C in orange juice is added after processing. Vitamin C and others like zinc, vitamin E, and magnesium help to support the immune system and are a great defense during flu season.
Choose better by having kids eat fresh whole foods such as cherries, berries, and apples, and vegetables such as spinach, kale, Brussels sprouts, broccoli, carrots and sweet potatoes.
I know you probably hear this suggestion all the time, but it can’t be stressed enough. It is imperative to find creative ways to prepare vegetables so that kids will actually eat them. Sautee, roast or grill vegetables with olive oil or real butter, add some fresh sea salt or sprinkle with organic low fat cheese and kids will be more likely to eat.
3. Sleep will boost the immune system.
At night while we rest, the body is working to rebuild the immune system. Deep sleep allows a complex set of hormonal changes that recharge the body so that it’s resilient the next day. Be diligent and ensure that kids get a full night sleep of 8-10 hours.
Mandate bedtime despite protests and stick to a regular schedule. These are the times that mom and dad really need to be the boss. Resist the temptation to allow your child to stay up late and watch his or her favorite show. At the end of the day when you are tired as well, it’s easy to give in to your child’s vigilant campaign.
Remember: Would you rather avoid the confrontation tonight? Or deal with a sick kid tomorrow?
4. Fatigue is the first sign of a distressed immune system.
As already stated, the immune system desperately needs sleep to keep the body healthy. When the immune system is fighting to keep your child healthy, it requests that the body get extra rest to help in the fight.
If your child seems more fatigued than usual, it could be a very strong signal that your child is on the brink of getting sick.
The best way to fight off a cold or flu is to act immediately and get extra rest. Pay attention to the health of others around you such as those at work or your child’s school. If you hear of a bug “going around” and you notice that your child is tired, there’s a good chance that extra sleep will ward off the cold or flu. This is the time to allow extra television and require a mid-day nap.
5. Wash hands frequently, but avoid antibacterial products.
This seems counterintuitive, but the best way to kill environmental germs is to use soap and hot water and scrub hands thoroughly. Bacteria live all around us. They are on every surface we touch and in every breath we take. Without bacteria, our immune system wouldn’t learn to be strong.
Our internal bacterial system fights off invaders and thereby gets more effective at winning the battle. It’s just like working out: In order to become stronger, you must work hard in the gym. Your child’s body is a bacterial gym. Again, this comes back to the immune system. If you foster a strong immune system, your child’s body will fight off invaders and therefore become more resilient to future battles. While it is imperative to wash hands frequently during flu season, remember that the hands are only one very small way that germs enter your child’s system. Killing off the germs on hands with antibacterial products is futile and weakens your child’s- and the world’s- future ability to confront germs.
Wednesday, November 26, 2008
How to Save on Petrol
With the average price of petrol going up and not likely to stop rising any time soon--"it's time for people to modify the way they drive," says Paul Raj, a spokesperson for the Malaysian Automobile Association (MAA). The biggest impact on your wallet will come from cutting down your car time--walk, use public transportation, and work from home when you can--but when your wheels are the only option, little tweaks can go a long way. Here, experts and real women share some tips to beat the squeeze at the petrol pump:
* Travel in packs. "My friends and I started carpooling for convenience and time, and now we are all saving real money," says Margaret Wong, 43, from PJ. The mother of three regularly shuttles six or seven kids in her van to sporting events, church, the pool, or skateboarding club. And when she is booked on a catering job--her part-time gig--she and her coworkers meet at a commuter lot and pile into one car.
* Go gentle on the pedal. Lisa Lim, 45, from Kajang, stretches out her visits to the petrol pump by coasting toward stopped traffic. "I look ahead to see the light turning red, take my foot off the accelerator, and let the car's momentum carry me," she says. According to Paul, aggressive driving--slamming your foot down hard on the petrol or brakes--compromises your car's fuel efficiency, as does being a speed demon. "Simply dropping your speed from 70 mph to 60 mph can improve fuel economy by up to 23 percent," she says.
* Multitask your trips. Consolidate errands to make every car ride a multipurpose affair. "After putting the kids down, my husband or I used to get in the car just to get out of the house, the excuse being we needed petrol or aspirin," says May Lee, 45, the mother of a 5-year-old and 4-year-old triplets in KL. "But once petrol prices hit RM2.40, we made changes. Now I'll hit the pharmacy, the supermarket, Giant, and Tesco on the way home from work, then stay in for the night. We're definitely stretching out our tank."
* Watch the energy (and money) drains. Avoid idling (Paul recommends shutting off your engine any time you're sitting in a parking space for more than 90 seconds), keep your tyres inflated (fuel efficiency drops by 2 or 3 percent when your tyres aren't full), remove the junk from your trunk (a heavier car burns more petrol), and roll up the windows and use air-conditioning on the highway (that's right--open windows actually create aerodynamic drag, burning extra petrol).
How to Keep Him From Cheating
Sometime ago, Angelina Jolie confessed she fell in love with Brad while filming "Mr. and Mrs. Smith" -- and while he was still married to Jen. Though we love Brangelina, on-the-job cheating sucks. And man-eating coworkers aren't occupational hazards just in Hollywood. Here, the top ways to prevent your guy from straying at work.
Hang with his co-workers. When you are available, join him at social events provided by his company or actually take him up on that invite to his office holiday party. "Making friends with his colleagues turns you into a 'real' person to them," says William July, PhD, author of "Confessions of an Ex Bachelor." "The other women he works with will be more likely to hang back if they can put a face to a name." Plus, your guy will feel extra bonded as a couple if he is able to share another part of his life with you.
Ask him questions.
If your guy feels like he can't talk to you about the stuff going on at work, he'll likely turn to someone else who understands (like his cute cubemate). And although it starts innocently, that kind of emotional intimacy can lead to trouble. Make a point to ask him how a difficult project is going or if anything funny happened that day. "That way, he'll be opening up to you instead of a female colleague he's working closely with," explains July. Besides, if you're well-versed in what's going on in his world, it'll be harder for him to pull that whole "I've got a big deadline -- must work late" excuse.
Stay on his mind. It's no secret that men are visual creatures. Take advantage of his dominant sense and give him a photo of you two to place on his desk. Just make sure the pic captures a moment when you both were having a blast together (like on a skiing trip or at a concert). "The photo will have more meaning and be a constant reminder of just how much fun he has with you," says July. "Looking at it will boost his mood, and his loyalty."
WHAT TO DO IF STOPPED BY MALAYSIAN POLICE
Procedures to follow in the event you are stopped by uniformed police Officers while driving:
1. Stop the car and wind down your window.
2. If the police officers ask for your documents, request to see their
IDs first.
3. If you are satisfied about their identity, ask them if you are being
summoned, and for what offence.
4. Produce your identity card and driver's license and wait to collect
your summon ticket.
In the event that the police officers ask you to follow them to the police station:
1. Ask if you are under arrest and for what offence.
2. If you are not under arrest, you have the right to leave.
In the event you are flagged down by persons you believe could be plain clothes police:
1. Do not stop because plain clothes police officers do not have the
authority to stop you.
2. Drive to the nearest police station and lodge a report. (The same
procedure applies to pedestrians)
In the event the police come to your house:
1. Do not let them in before checking their IDs.
2. If you are not satisfied, phone the nearest police station and
confirm if they had been sent to your house.
3. You are under no obligation to allow them into the house if they
don't have a search warrant.
4. Do not go with them if you are not under arrest.
In the event persons who claimed to be plain clothes police come to your house:
1. Do not let him in because they do not have the authority to do so.
2. Lodge a report at the nearest police station.
How to Survive a Recession
Are you worried about how a recession might affect you? You can put your fears to rest because there are many everyday habits the average person can implement to ease the sting of a recession, or even make it so its effects aren't felt at all. In this article, we'll discuss seven ways to do just that.
No. 1: Have an Emergency Fund
If you have plenty of cash lying around in a high-interest, Federal Deposit Insurance Corporation (FDIC)-insured account, not only will your money retain its full value in times of market turmoil, it will also be extremely liquid, giving you easy access to funds if you lose your job or are forced to take a pay cut. Also, if you have your own cash, it won't be an issue if other sources of backup funds dry up, such as a home equity line of credit.
No. 2: Always Live Within Your Means
If you make it a habit to live within your means each and every day, you are less likely to go into consumer debt when gas or food prices go up and more likely to adjust your spending in other areas to compensate. Debt begets more debt when you can't pay it off right away - if you think gas prices are high, wait until you're paying 29.99% annual percentage rate (APR) on them.
To take this principle to the next level, if you have a spouse and are a two-income family, see how close you can get to living off of only one spouse's income. In good times, this tactic will allow you to save incredible amounts of money - how quickly could you pay off your mortgage or how much earlier could you retire if you had an extra $40,000 a year to save? In bad times, if one spouse gets laid off, you'll be OK because you'll already be used to living on one income. Your savings habits will stop temporarily, but your day-to-day spending can continue as normal.
No. 3: Have More Than One Source of Income
Even if you have a great full-time job, it's not a bad idea to have a source of extra income on the side, whether it's some consulting work or selling collectibles on eBay. With job security so nonexistent these days, more jobs mean more job security. If you lose one, at least you still have the other one. You may not be making as much money as you were before, but every little bit helps.
No. 4: Have a Long-Term Mindset With Investments
So what if a drop in the market brings your investments down 15%? If you don't sell, you won't lose anything. The market is cyclical, and in the long run, you'll have plenty of opportunities to sell high. In fact, if you buy when the market's down, you might thank yourself later.
That being said, as you near retirement age, you should make sure you have enough money in liquid, low-risk investments to retire on time and give the stock portion of your portfolio time to recover. Remember, you don't need all of your retirement money at 65 - just a portion of it. The market might be tanking when you're 65, but it might be headed to Pamplona by the time you're 70.
No. 5: Be Honest About Your Risk Tolerance
Yes, investing gurus say that people in certain age brackets should have their portfolios allocated a certain way, but if you can't sleep at night when your investments are down 15% for the year and the year isn't even over, you may need to change your asset allocation. Investments are supposed to provide you with a sense of financial security, not a sense of panic.
But wait - don't sell anything while the market is down, or you'll set those paper losses in stone. When market conditions improve is the time to trade in some of your stocks for bonds, or trade in some of your risky small-cap stocks for less volatile blue-chip stocks. If you have extra cash available and want to adjust your asset allocation while the market is down, however, you may be able to profit from infusing money into temporarily low-priced stocks with long-term value.
The biggest risk is that overestimating your risk tolerance will cause you to make poor investment decisions. Even if you're at an age where you're "supposed to" have 80% in stocks and 20% in bonds, you'll never see the returns that investment advisors intend if you sell when the market is down. These asset allocation suggestions are meant for people who can hang on for the ride.
No. 6: Diversify Your Investments
If you don't have all of your money in one place, your paper losses should be mitigated, making it less difficult emotionally to ride out the dips in the market. If you own a home and have a savings account, you've already got a start: you have some money in real estate and some money in cash. In particular, try to build a portfolio of investment pairs that aren't strongly correlated, meaning that when one is up, the other is down, and vice versa (like stocks and bonds).
No. 7: Keep Your Credit Score High
When credit markets tighten, if anyone is going to get approved for a mortgage, credit card or other type of loan, it will be those with excellent credit. Things like paying your bills on time, keeping your oldest credit cards open, and keeping your ratio of debt to available credit low will help keep your credit score high.
Conclusion
The best part about these habits is that they won't only serve you well during times of recession - they'll serve you well no matter what's going on in the market. But if you implement these financial strategies, a recession is less likely to have a significant effect on your financial situation.
Monday, November 24, 2008
SQ3R - A Reading and Study Skill System
SURVEY - gather the information necessary to focus and formulate goals.
1. Read the title - help your mind prepare to receive the subject at hand.
2. Read the introduction and/or summary - orient yourself to how this chapter fits the author's purposes, and focus on the author's statement of most important points.
3. Notice each boldface heading and subheading - organize your mind before you begin to read - build a structure for the thoughts and details to come.
4. Notice any graphics - charts, maps, diagrams, etc. are there to make a point - don't miss them.
5. Notice reading aids - italics, bold face print, chapter objective, end-of -chapter questions are all included to help you sort, comprehend, and remember.
QUESTION - help your mind engage and concentrate.
One section at a time, turn the boldface heading into as many questions as you think will be answered in that section. The better the questions, the better your comprehension is likely to be. You may always add further questions as you proceed. When your mind is actively searching for answers to questions it becomes engaged in learning.
READ - fill in the information around the mental structures you've been building.
Read each section (one at a time) with your questions in mind. Look for the answers, and notice if you need to make up some new questions.
RECITE - retrain your mind to concentrate and learn as it reads.
After each section - stop, recall your questions, and see if you can answer them from memory. If not, look back again (as often as necessary) but don't go on to the next section until you can recite.
REVIEW - refine your mental organization and begin building memory.
Once you've finished the entire chapter using the preceding steps, go back over all the questions from all the headings. See if you can still answer them. If not, look back and refresh your memory, then continue.
REMEMBER: THE INFORMATION YOU GAIN FROM READING IS IMPORTANT. IF YOU JUST "DO IT" WITHOUT LEARNING SOMETHING. YOU'RE WASTING A LOT OF TIME. TRAIN YOUR MIND TO LEARN!!!
Panduan Mendengar dengan Berkesan
Mendengar dengan berkesan bermaksud dengan mata, telinga dan hati. ia melibatkan kebolehan untuk terus berdiam, mengelakkan tumpuan dan minat pada orang yang sedang bercakap. ia juga melibatkan kebolehan memahami bukan hanya pada apa yang diperkatakan, tetapi maksud diperkatakan dan perasaan orang yang memperkatakan. suatu cara menguji kebolehan mendengar ialah dengan membuat rumusan dan menyelami perasaan orang yang bercakap.
Perkara yang digalakkan :
* Duduk atau berdiri condong kearah orang yang bercakap dalam keadaan relaks.
* Pandang kearah orang yang bercakap.
* perhatikan air muka dan gerak-gerinya.
* Senyum apabila ia senyum, dan bertenang apabila cerita menyedihkan atau mengejutkan.
* Dengar apa yang diperkatakan, gaya, nada suara dan kelajuan bercakap kadangkala menyatakan sesuatu tentang perasaannya.
* Berikan galakkan supaya ia terus bercakap dengan membuat tindak balas lisan dan tidak lisan seperti mengangguk..., ya..., lepas tu..., em...
Perkara yang tidak digalakkan :
* Terlalu banyak bertanya seolah-olah menyiasat untuk kepentingan sendiri.
* Bertanya soalan 'kenapa' dalam nada seolah-olah ia bersalah.
* Menggangu atau mencelah semasa ia bercakap.
* Memberikan nasihat dan teguran.
* Menilai perbuatan sebagai salah atau betul.
* Menahan ia meluahkan perasaan sedih dan marah.
* Menyangkal atau menentang pendapatnya walaupun anda tidak bersetuju.
* Membuktikan ia bersalah atau lemah akan menyebabkan ia lebih 'defensif'.
* Tukar tajuk perbualan daripada hal lain kepada hal peribadi.
Good Human Relations
1. Speak to people
There is nothing so nice as a cheerful word of greeting
2. Smile at people
It takes 72 muscles to frown, only 14 to smile
3. Be friendly and helpful
If you would have friends, be a friend
4. Call people by name
The sweetest music to anyone's ears is the sound of his own name
5. Be cordial
Speak and act if everything you do is a genuine pleasure
6. Be genuinely interested in people
You can like almost everybody if you try
7. Be generous
With praise - cautious with critism
8. Be considerate
With the feeling of others. There are usually three sides to controversy: yours, the other person's, and the right side
9. Be alert
To give service. What counts most in life is what we do for others
10. Add to this a good sense of humour
A big dose of patience and a dash of humility, and you will be rewarded many folds
A Smile
* Smile, it makes people wonder what you are thinking.
* A smile is an inexpensive way to improve your looks almost instantly.
* A smile is a language even a baby understand.
* A smile cannot be bought, begged, borrowed, or stolen, for it is something that is of no value to anyone until it is given away.
* A smile is a curve that sets a lot of things straights.
* It is almost impossible to smile on the outside, without feeling better on the inside.
* A smile can open a heart faster than a key can open a door.
* No smile is as beautiful as the one that struggles through the tears.
* If you smile when no one else is around, you really mean it.
* No matter how grouch you're feeling, you will find the smile more or less healing. it grows in a wreath all around the front teeth. Thus preserving the face from congealing.
* A smile costs nothing, but gives much. It enriches those who receive, without making poorer those that give. It takes but a moment, but the memory lasts forever.
* Every time you smile at someone, it is an action of love, a gift to that person, a beautiful thing.
* Smile... nobody ever added up the value of a smile: we know how much a dollar's worth; and how far is a mile; we know the distance to the sun; the size and weight of the Earth; but no one's ever told us yet, how much a smile's worth.
Friday, November 21, 2008
The Things That Make Us Happy
The Myth: We think the finer things in life will make us happy. The Reality: Most of what makes us happy is pretty prosaic.
Beauty
People like pretty. Good looks help your popularity and, by extension, your career; both boost mood. But beauty on its own doesn't do much good.
Money
If you're poor, money does make a difference. But above a threshold of about $40,000 a year, more won't make you happier. Comparisons, though, influence your state of mind: No matter how much or how little you make, doing better than your neighbor will make you feel better.
Education
In the 1950s, book learning brought happiness, but a college education no longer lifts well-being on its own. Education opens the door to a better career, but it also fosters higher expectations that may be disappointed.
Aging
Young people are more aware of bad news and negative emotions than are the elderly. Aging seems to bias us toward the positive, despite more fragile health and finances; that may be because we've come closer to reaching our goals.
Intelligence
Smarts have only a weak effect on happiness; being brainy may decrease satisfaction by raising your expectations and making you more aware of your shortcomings.
Religion
Surprisingly, churchgoers get only a small lift from the Lord. The cause: Faith fosters both community ties and social networks, which are both known to make people happier.
Free time
Well-spent leisure time can lead to great leaps in happiness: Activities that combine socializing and physical activity and require some moderate skills are the best (think salsa!). Most of us spend a lot of our leisure time watching TV, which can be relaxing; but we'd be happier if we just went bowling. Don't envy your laid-off friends; while the unemployed have more time, most have little active leisure, which is one of the reasons they're so unhappy.
Narcissism
High self-esteem protects against psychological suffering, and a little bit of narcissism is good for your mood: People with abundant self-love are less likely to be depressed, lonely or anxious.
Social skills
Friendship is one of life's main joys. Due to novelty, spending time with friends lifts your mood more than spending time with family. Being cooperative and knowing how to chat up the opposite sex are also associated with happiness.
Sense of humor
Not taking things so seriously can bring hope and happiness. People with a hopeful outlook tend to also be good at laughing.
Volunteering
In one study, volunteer and charity work generated more joy than anything except dancing. The sense of accomplishment, the social connection and the chance to do something meaningful are what make it so much fun.
5 Mistakes That Can Ruin Your Life Insurance
There are many good reasons to consider buying a life insurance policy, such as a recent marriage, a new baby, or a large debt purchase (like a mortgage) that loved ones would have trouble paying if something happened to you. Or, perhaps you have witnessed first-hand the impact a death has on a surviving family's finances. If you're in the market for life insurance or have recently bought a policy, make sure you don't put your family's finances in jeopardy by making these mistakes. (Read about whether you need life insurance and if so, how much you should get in How Much Life Insurance Should You Carry?)
Mistake No.1 - Waiting to Buy Insurance
Regardless of the reason, it's important to take action as soon as you feel a policy is required. Life insurance rates generally increase as people age or their health deteriorates. And, in some cases, illnesses or health problems may make you ineligible for coverage. The longer you put off the buying decision the more the insurance will probably cost - if you can buy it at all.
Mistake No.2 - Buying the Cheapest Policy
While it is important to shop for a policy that's priced in line with the rest of the marketplace, that should not be the sole consideration in your decision-making process. Life insurance policies can be a bit complicated, so it's a good idea to learn about policy features and benefits.
Many people mistakenly believe that price is the only differentiator for term life insurance. However, there are important policy provisions that you should investigate before going with the lowest price.
Most term policies are "convertible," meaning they may be exchanged for a permanent type of life insurance policy at a later date regardless of your future health. Some policies also offer more generous conversion privileges than others. Get an understanding of how long the conversion option is available; the most generous conversion privileges are available for as long as you pay term policy premiums or to a specific age, such as 70. Also, make sure to find out if there are any restrictions on the type of policy available for purchase under the conversion privilege. Some policies offer just one type of permanent policy at conversion, while others offer several. (Keep reading about term life insurance in What is term insurance?)
Mistake No.3 - Making Late or Missed Payments
If you're considering buying a universal life policy with secondary guarantees - low-premium guaranteed death benefits for life or for a specified period of time - a late payment can have an impact on policy benefits.
Universal life is a special type of permanent policy that has been marketed as having long-term guaranteed protection at the lowest possible rate - it is very different from term insurance. While many of these types of policies have cash surrender value, universal life with secondary guarantees focuses on maximizing the amount of insurance available per dollar of premium.
Some of these policies can be sensitive to the timing of premium payments. For example, if you happen to miss a monthly payment - or are more than a month late sending in your check - your guaranteed policy may no longer be guaranteed. A policy purchased with guaranteed coverage to age 100 might only provide protection to age 92 if one premium payment is late or missed. Be sure to check with your company if you think you're going to be late on a payment; many will allow 30 to 60 days without changing the policy's guarantee.
Mistake No.4 - Forgetting Insurance Is an Investment
The Financial Industry Regulatory Authority (FINRA) considers a variable life insurance policy an investment, so it is important for you to treat it as one too.
A variable life insurance policy is a permanent type of policy that provides life insurance protection with cash value. Part of the premium goes toward life insurance, and part goes into a cash value account that is invested into various mutual fund-like investments you choose. Like mutual funds, the value of these accounts fluctuates and is based on the performance of the underlying investments. People often look to these policy values in the future as a source of funds to supplement their retirement income. (To learn more, see What is variable life insurance?)
You must fund a variable life policy sufficiently to maximize its cash value growth. This means continuing to make adequate premium payments, especially during times of poor investment returns. Paying less than originally planned can have a big impact on the cash value available to you in the future. It's also important to monitor your policy's performance and periodically "rebalance" your accounts to your desired allocation, just as you would with any investment account. This will help ensure you're not taking on more risk than you had planned when you set up your account.
Mistake No.5 - Borrowing From Your Policy
The cash value of a permanent policy can generally be used for any reason you see fit, including tax-free withdrawals and loans, if done properly. This is a great benefit, but it must be carefully managed. If you take too much money out of your policy and your policy "lapses", or runs out of money, all the gains you've taken out will become taxable.
If you have taken too much money out and your policy is about to lapse, you may be able to maintain the policy by making additional premium payments, assuming you can afford them. When accessing your life insurance policy's cash value, be sure to monitor it closely and consult your tax advisor for guidance to avoid any unwanted tax liability.
Conclusion
The decision to buy life insurance is an important one. Make sure you do your homework, read your policy and understand all of its provisions. While losing or never buying life insurance may not ruin your life, it will certainly hurt those people who you're buying it for.
5 Reasons Why You Guys Are Still Single
Do you find yourself wondering why most of your buddies have steady dates, yet you can barely secure a first date, let alone a second (and, playing a regular game of Mahjong and Canasta with your grandparents and their friends doesn't count)? Guys, if so, it's time to ask yourself a few Foxy questions...
Do you... have a problem with eye contact? Even if you love everything about this other person, it won't matter, if you can't take your eyes off their body parts. They'll likely think you're out for one thing, or that you're just kind of creepy. Sure, they might be wearing something revealing, but that's no excuse to stare all night long. Get a grip and get comfortable with eye contact, which creates a much better bond.
Do you... eat like a caveman? Utensils are there for a reason -- so you can eat like a gentleman. Shoveling food into your mouth is not something you should subject your date to. Same goes for talking while chewing. Not only is it unpleasant to watch at a time when your job is to be easy on the eyes, it's a red flag that says you're a little short on self-awareness -- an important characteristic in a mate.
Do you... trim your toenails? Not that your date will necessarily see your toenails right away, but when they do end up eyeballing them, unkept toenails are a guaranteed huge turnoff. It means you don't take care of yourself, and valuing yourself is an important part of a healthy relationship. Plus, let's not forget the damage they can do to the other person's leg when you're snuggling up on the sofa watching movies.
Do you... order "everything on the side" at a restaurant? In other words, do you order like a girl? Please don't. Because if your date has to be tortured by, "I'll have the Cobb salad, but no cheese, avocado, or bacon, and dressing on the side, and the pasta, but no oil please, and extra light on the pinenuts," they may be forced to hide under the table or at least wonder what kind of demanding partner you could be. If you have dietary restrictions, do your best, just don't get into what will happen to your belly if you don't follow them.
Do you... assume you're going to strike out? The Secret said it once but we'll say it again: In a lot of ways, you manifest your own destiny. So, if you have lots of thoughts about being unlucky in love, you may be pushing people away in ways you may not even know. If you assume the worst of the world and yourself, spend a few minutes before your date making a mental list of why you're looking for a relationship and why you are an incredible a catch.
Thursday, November 20, 2008
Back to school
GOING back to school after a long break can be stressful for both parents and children. Besides shopping for school necessities, parents and children need to readjust themselves to getting back into the routine when school re-opens.
While it may be easier with older children who are experienced enough in coping with preparations to return to school, some extra effort and attention are required with children going to school for the very first time.
Children going to preschool or entering primary or even secondary school for the first time tend to have anxieties related to changes in their environment – new school, new teachers, new friends.
For toddlers and preschoolers, it means being separated from their caregivers, their familiar surroundings and their favourite toys.
Parents should prepare well ahead of time to help their children gear up for school. Start shopping early for all the supplies such as textbooks, stationery, school uniforms, bags and shoes.
Prepare a simple checklist of all the things your children need. Better still, if your children are old enough, ask them to make the list. Once the list is ready, go shopping with them and make it fun.
Involving children in these tasks helps prepare them mentally for school or look forward to going back again.
Purchase some activity books and games that are related to what your children have learnt to help refresh their memory. It becomes easier for them to reapply the knowledge when they get back to school.
For younger children who are going to school for the first time, this new experience could be both exciting and daunting. Some may be excited and view it as a new ‘adventure’ while others will be reluctant to leave their comfort zone.
Get storybooks or movies about going to school to help them imagine the experience and learn what to expect.
Visit the school with them or if the school has organised an open day, use the opportunity to get familiarised with the school surroundings and let your children learn where the classroom, toilets, playground and cafeteria are located.
Some kindergartens organise a field trip to a primary school for their graduating pre-schoolers.
This way, the children can observe and learn about the general set-up of a primary school, or even role-play a typical classroom scene to develop better awareness of the new environment they will be in the next year.
Find out if your children’s preschool has such an activity or you could suggest it to them.
Share with them your own good experiences about going to school. Tell them about the fun they could have with other children, and all the interesting activities and lessons the teacher will be teaching.
Start getting them into a routine that is like the one during school. Get them to bed and up at the same times as they would if it was a school day.
Their body rhythms will reset to the new routine and they will have more energy those first few mornings because it has become part of their regular day.
It also helps you to estimate how much time it will take to get them ready and out the door.
You, too, will sleep better and awake refreshed minus the stress of last-minute shopping and knowing that you are prepared for the tears and fears if they creep up on you and your children.
Cultivate a love for books
WHEN it comes to reading, our sons often get left behind. They may not share the love of reading that their sisters and female classmates do, and they may not even realise what they are missing.
If your son complains that reading is dull or boring, doesn’t enjoy reading on his own, and seems to simply hate the very idea, there may still be hope.
With some added effort and attention on your part, your son may very well learn to love reading.
This article provides a variety of ways to encourage your son to cultivate a reading habit, however reluctant he may at first appears.
» Match books to his interests
Does your child love bugs, soccer, or aeroplanes? It may be time for a trip to the library.
Invest some time to learn about your son’s interests, and then match books appropriately. He may enjoy non-fiction books about bugs, for example, or the newest young adult novel about a boy who enjoys soccer.
If you have no idea where to begin, ask your local librarian for help. He or she will most likely be able to suggest just the book you need, and may be of great help in picking out future books, as well.
» Use your funny bone
Encourage your child to read by showing them books of jokes, riddles, or comics. The humour involved may be key to getting him to enjoy reading.
Your best bets are the books that make you cringe at their very existence – remember, this is all for your son, so 301 Best Bathroom Jokes may be just what the doctor ordered. At least he’s reading something!
» Introduce how-to books
If there’s a skill your son has been wanting to learn, such as camping, cooking, or magic tricks, he may be pleasantly surprised to learn that there are books available on the subject.
The next time you hear "I wish I knew how to ...", make a trip to the library with him.
He’ll learn that books hold useful knowledge and are a great resource for learning new skills.
Model this behaviour, as well, by visiting books for information that you need to accomplish your day-to-day tasks.
» Introduce a series
If you can get your son interested in a character, such as Encyclopaedia Brown or Harry Potter, he may be more interested to read more than one book.
Sometimes, the desire to find out what happens next is stronger than the dislike of reading, and the child learns that reading can be interesting and fun.
Serial books provide continuity and familiar characters, something that children usually enjoy.
» Plan an assessment
If your son truly struggles with reading or learning to read, it may be time to schedule an assessment of his learning abilities.
A learning disability could be the hidden culprit that is making reading so difficult for him.
Skills assessments sometimes make all the difference in your child’s struggle, so if you think a disability may be possible, be sure to schedule one.
As a parent, it can be difficult to find the time to consistently reinforce the value of reading. However, taking the time to do so is vitally important.
Reading is a gateway to learning, entertainment, and adventure.
Without your influence, your son may never find the joy that you have in reading. However, if you take the time to intervene, you may find that he is not only reading, he is excited about it!
This is a great opportunity to make a difference as a parent. Take advantage of it!
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