5 Ways to Successfully Negotiate a Salary

By : Careerbuilder.com

In the job search process, many people tend to be the most anxious about interviews. But, for some people, an equally frightening part of the job search is the salary negotiation process.

Talking about money is something that can make even the most confident people feel uneasy. This important process can be done with confidence if you know how to go about it and have a clear sense of what you really want.

One of the most important things to do before you begin talking job offers or salary requirements is setting your expectations realistically. Those who ask for too much can give the impression that they do not understand the market and ultimately end up disappointed. On the other hand, settling for too little isn't a good choice either.

So what is the key to negotiating fairly? Experience and research can help, says Michael Morley, Jr., business manager with the Morley Group, a staffing and human resource management firm. "For the most part, people are fairly aware of what their market value is," Morley says.

But he points out that, generally, the higher you go with respect to compensation, the more realistic professionals tend to be about their market value. This could be because they have more experience, learned from mistakes they have made, and have held enough jobs to have a good understanding of fair compensation.

Morley offers these five tips to help understand your worth and negotiate for it with confidence:

1. Do your research.
"There are a variety of salary surveys that you as an individual can access over the Internet," Morley says. Research professional industry associations and HR Web sites. He also suggests browsing job postings and classified ads. While ads don't always list salaries, you can often get ideas of a pay range companies are willing to offer.

2. Be realistic about your experience.
"You need to be honest with yourself about what you can and cannot do," Morley says. For example, you may be tempted to apply for a job that is offering a $60,000 salary, even if you don't meet the job requirements. One major part of being realistic about what you can make is being realistic about what skills you can bring to the table.

3. Be cautious about misinformation.
Certain advertisements can give job seekers false hope about salary and job potential, Morley warns. For example, education programs that promise that their graduates make a certain amount of money often turn out to be atypical or totally inflated. The bottom line is that you cannot always take everything you hear or read as the truth. Educate yourself to find out what the standard really is.

4. Focus on the big picture.
Morley says that he wants his clients to look at the big picture, not just one element of a job offer. "In a professional field, we caution people to not focus solely on compensation," he says. "The real thing to focus on is whether or not the job is right for you." There are so many things to consider when taking a new job. From the company culture to whether or not the job is challenging enough, you need to weigh all of your options. "Compensation is important and it has to be reasonable and fair, but focusing on compensation alone is a poor way to do a job search," Morley says.

5. Be methodical in your decision making.
Use a simple list-making method, Morley suggests. On a piece of paper, write down all the things that are important to you in order of their rank. While cash for most is king, having a short commute and good medical benefits might matter more than a few extra dollars. Or perhaps you'd be willing to trade a couple thousand dollars for more vacation time. Having this knowledge about yourself, the market and your personal needs will give you the confidence to negotiate effectively. Write down your desired salary and the benefits you most desire. Be ready to play hardball, but give yourself a little wiggle room. That way if you have to negotiate, you can still achieve your bottom line total compensation goal.

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Why 3 Jobs Are Better Than One

By : Paula Caligiuri

Just as the riskiest financial investment strategy is to have all of your money in one place, the riskiest career management strategy is to have all of your income from one organization unless you are in a critical role and have skills that are difficult to find in the labor market.

To enjoy job security and professional fulfillment in this new employment reality, you should have a "portfolio career" that includes multiple and simultaneous income streams or "career acts." Career acts can include an eBay business, part-time job, profitable hobby, nonexecutive board seat, franchise, authored book, affiliate links on your blog, weekend jazz trio, etc.

Here are 10 tips for managing career acts in a portfolio career:

Diversify
Start maximizing your talents to generate broad-based income streams. Some career acts can be slow and steady sources of income, while others can be higher-risk with higher potential reward. Professions such as nursing or teaching science are low-risk sources of guaranteed income, whereas starting a small business has a higher risk, with potential for a much higher reward.

Invest intelligently
To build income-generating career acts, you will need to invest in yourself, your business, your network and the like. You may need, for example, to return to school for a degree or training program, to invest in equipment or supplies, or to attend a conference or some other networking event. Manage the financial risk incurred by being realistic about your talents and abilities and making sure you have the tenacity and effectiveness to take full advantage of your investments.

Actively manage your portfolio
Your career acts will need different investments and have different trajectories for growth. Today's careers are actively self-managed.

Invest prudently
Start protecting your time and your discretionary spending, as you may need both to start a new career act.

Maintain high ethical standards
Do not add career acts that would a reasonable supervisor wouldn't consider or that would use company time or resources for your private gain. At the same time, remember that you did not take a vow of poverty when you became employed.

Sell high
Many people actively manage how they enter an organization but passively manage their exit, often waiting for a layoff, reorganization or something else to force their departure. If you work for an unsupportive supervisor, have no opportunities for growth or dislike what you are doing, start planning your exit while you still have an income stream.

Know your tolerance for risk
Entrepreneurship is not right for everyone. Find a mix of career acts that do not add anxiety to your life and that align with your talents.

Trust your hunches
Do not let anyone tell you that you lack focus or should get serious about one career. Careers today are moving further away from the traditional 40-hour-per-week employer to more self-directed opportunities for generating income.

Understand the data
Speak with multiple people who occupy any career act you would like to have. There are often different ways to achieve the same career goal. Some ways may take less time and less money but produce the same result.

Seek advice
Often people have a hard time understanding ways they can use their talents and abilities. Speak to trusted friends or advisers who know you well and want to see you succeed about what they see you doing. You will be surprised at how well others can spotlight your talents and give you ideas.

A well-managed portfolio career can provide greater income, personal fulfillment and professional security. What income-generating opportunity can you create for yourself that would use your talents and skills, in a way you would like to work? Make a plan and start growing your amazing portfolio career.

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What Do Employers Say About Online Education?

By : Rachel Zupek


Going back to school is an appealing option for many people, but they can't afford to quit their jobs to be full-time students. If this sounds familiar, there might be a solution that allows you to go to school and continue working: an online or distance-learning program.

Online colleges and distance-learning programs are ideal for full-time professionals because they can earn a degree without driving to a campus or attending classes, and they can learn on their own schedule.

While all of this sounds alluring, there are a few things to consider before starting online classes. How long will it take to earn the degree? How much will it cost? How do I know if a school is legitimate? And most importantly, how will employers perceive it?

What do employers say?
To many people, a degree is a degree -- but to others, there can be an issue of trust, or lack of reputation and familiarity, says Marc Scheer, a career counselor and educational consultant based in New York City.

"Traditional programs have been around for hundreds of years, but online programs are relatively new [and] employers tend to be less familiar with them," he says.

Employers are getting there, however. In a survey done by online institution Excelsior College and Zogby International, 61 percent of CEOs and small business owners nationwide said they were familiar with online or distance learning programs.

Not only are they familiar with them, but 83 percent of executives in the survey say that an online degree is as credible as one earned through a traditional campus-based program. Employers said such factors as the accreditation of the college or university, the quality of its graduates and the name of the institution awarding the degree were among other things they considered to make an online degree more credible.

Dannie McClain, a category manager for Town and Country Linen, says she thinks getting a degree from a school with both online and traditional programs has helped employers view her degree as credible. Initially hired without a degree, McClain now has a double online degree in marketing and business from Michigan-based Baker College, which also has online programs.

"I think gaining my degree from a 'true' college that offers online courses in addition to regular ground courses helps in my employer seeing this as a 'true' degree," she says.

Not all employers feel the same way, however. Brandon Mendelson, a former business owner, says he wouldn't consider an applicant with an online degree -- even if he had everything he was seeking. He says he thinks that students get only a fraction of the learning experience online.

"I want someone who made the full commitment," he says. "These days, there are no excuses. Your job will pay for school; colleges have day-care facilities that are usually free; so actually going to the school gives a candidate the edge in my book."

The online advantage
But what about those who don't have time to make it to school every day? Luckily, one of the biggest perks of earning an online degree accommodates that very issue.

"Online degree programs are designed to help adult learners with busy lives earn their degree without being tied down to class times and without having to go to campus," says Jeff Caplan, dean of strategic enrollment management at American Sentinel University, an online university.

Michael Rogich, director of the center of online learning at Saint Leo University, based in Florida, says studying online is just as effective as studying traditionally, and in some sense is more powerful.

"With adult students, your options are either part time or online," Rogich says. "Online, the student has more access to a good program and is constantly connected to instructors and fellow classmates."

Tom Johansmeyer, who earned his MBA online and is currently working on his doctorate, is a perfect example. He says an online program was his only option for going back to school.

"I was working as a management consultant and spending 40 weeks a year on the road," he says. "With that kind of travel schedule, it would have been impossible for me to get to a classroom."

Indeed, online learning can benefit some students more than classroom learning. For example, some students might not learn as well in a classroom if they are shy or disengaged in group settings. In this case, Scheer says online students may benefit from their programs by interacting with students like themselves. Additionally, online discussions can be more inclusive and productive than classroom debates, especially because online forums offer more opportunity for participation.

Disadvantages to online learning
Not having face-to-face interaction with a teacher, however, can be seen as a disadvantage for some students.

"Being able to attend when you want means you have no face-to-face, so there are no real-time answers to questions you have," McClain says. "You either have to wait for someone to reply to a forum, e-mail the instructor or hope that there is someone on IM that can answer you."

Scheer says it's easy for online programs to be fraudulent and nonaccredited, so there's the possibility of being scammed or unable to transfer credits to another school. Finally, some employers simply don't accept online degrees from any school, accredited or not.

Tips for finding a quality online degree
Are you interested in going to back to school online? Here are six things to consider when looking for a quality online degree program:

1. Reputation
Is it an institution that provides only online degrees or does it have physical locations as well? Having actual campuses helps to establish credibility. A red flag would be the existence of only a post office box or suite number.

2. Accreditation
The Department of Education says that researching the accreditation is essential. Diploma mills are usually accredited by fake agencies. It's important to make sure the accrediting agency is one recognized by the department or the Council for Higher Education Accreditation.

3. Accessibility
Does the school offer technical help and easy access to speak with advisers, professors and the help desk?

4. How quickly can you earn the degree?
A red flag would be earning a bachelor's degree in just months.

5. Program fees
Students should pay as they go and be charged per credit hour, rather than per program.

6. How hard is the work?
Diploma mills require very little work and often take life or work experience into account. Legitimate programs require the same amount of work one would expect attending class on a campus.

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Getting Out of Your Comfort Zone at Work

By : Anthony Balderrama


A key rule in Writing 101 is that a writer should show, not tell. Don't say, "She looked sad." Describe your main character performing an action or speaking dialogue that proves to the reader how sad your protagonist is.

Admittedly, workplace advice often fails to live up to this guideline. You have undoubtedly read the following advice:

· Think outside the box.

· Be a self-starter.

· Dress for the corner office.

· Go to the boss with solutions, not problems.

Sure, the words make sense and you get the gist of the advice, but vague phrases don't help you. When you're planning your career or preparing for a performance review, you want specifics.

One piece of professional advice that falls into this trap is the one instructing you to "get out of your comfort zone."

Great. Thanks for the help.

"There was a time when companies were responsible for pushing employees out of their comfort zones through development programs and job rotations," says Kurt Weyerhauser, managing partner of international executive search firm Kensington Stone. "Instead, it's now up to each of us to get outside our comfort zones if we are interested in moving our careers forward." According to Weyerhauser, you need to identify your current areas of weakness and potential areas for development that will allow you to advance.

Of course, that brings us back to the question of what breaking out of your comfort zone means to you and to your boss.

"More often than not, the talk about getting out of the comfort zone is just management lingo for change," says Vlad Zachary, CEO of CareerConceptZ.com. When bosses and employees sit down to discuss breaking out of the comfort zone, they often fail to get specific enough and the employee isn't left with solid guidelines. The employee should ask for direction and not just guess. "Sometimes just being a little more proactive and creative would do it. Other times the boss might have a variety of very specific expectations," Zachary says.

What you can do

Because getting outside of your comfort zone at work is beneficial to you and to your career, we want to give you some concrete examples. Even if you decide to follow Zachary's advice and ask your boss for direction, you should approach the conversation with your own examples of broadening your current parameters. We asked experts to give their advice on how you can get out of your comfort zone so you can put their words into practice.

Here are some tips you can act on to push yourself out of your comfort zone and into a better professional situation:

"Working with your boss. Accept new projects that expand your skill sets, including your leadership and project management skills." - AmyK Hutchens, business consultant and business strategist

"Getting out of your comfort zone could mean having lunch with new people, every now and then. One strategy that I recommend to my career-minded clients I call the 50 Lunch Launch. This challenges the worker to have lunch (or even coffee) with a new person once a week for a full year. Relationships are built. Career goals are shared. And the career engine is fueled." - Marsha Egan, CEO of professional coaching firm The Egan Group Inc.

"Asking for help is not a career weakness. By having a conversation with your boss and letting him or her know that you could be interested in some new opportunities, you could be making your own path -- one that takes you out of that routine." - Egan

"Take the time to assess your limitations. Many people have anxiety about public speaking, for example. Find ways to practice and improve this important skill. Offer to prepare the weekly update for staff meetings or become involved in organizations such as Toastmasters to hone those skills." - Scott Ragusa, president of the contract division at Winter, Wyman and Co.

"Learn how to speak up and hold conversations to unlock your potential for growth in the workplace. Separate people from the problem. Try to see others as reasonable, rational and decent human beings - even if they hold a view that you strongly oppose." - Joseph Grenny, co-author of "Crucial Conversations"


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Does Your Education Compete Globally?

By : Beth Barico Hering

You may be ready to take on the world, but is your degree? Advancements in communication, transportation and technology have literally opened up a world of opportunities, but they also demand that students improve their global savvy. Here are some tips that may help open doors in any country.

Your degree is your calling card

Want to announce to potential employers that you are prepared to work on the world stage? Pursue a degree that immediately tells them you are ready to tackle issues beyond U.S. borders.

"As an international company, we look for 'international' degrees -- international finance, international supply-chain management, international sustainability, international marketing -- particularly MBAs in one of these fields," says Julie Rulis, a senior recruiter for Western Union's talent acquisition team. "A degree from any program with a focus on international business will set you apart ... it gives candidates an appreciation for a global mindset."

"Knowing how to deal with other cultures is extremely important," says Rulis's colleague Chris Brabec, director of leadership talent acquisition. "Western Union has operations in 202 countries and employees in nearly 50. Not everyone conducts meetings in the same way, and not all countries do business the same way. A marketing campaign that would work in the U.S. may not work in China. For example, black and yellow are our logo colors, and most of our advertising incorporates those colors. But in China, black is a color associated with death and is considered to be bad luck. So years ago, we changed the logo there to be all yellow. This kind of innate cultural knowledge is something that's extremely important to an international company."

Another advantage of studying international studies is that students often offer the opportunity to complete work in another country, giving them a different perspective. "We look for candidates who have on-the-ground experience and have worked abroad. How can you sell something in Africa if you've never lived there?" Brabec notes.

Classes to give you an edge

Some students, however, follow a different path to a global career. They may already hold a degree in a field such as computer science, education or social service, or they may wish to pursue a more general course of study. What can they do to strengthen their international marketability?

"There are three types of classes any student can take to become globally ready," states Michael Nastanski, dean of the school of business at Saint Leo University in Saint Leo, Fla. "First, mastering a foreign language is a must. Today, students graduating with language skills in Spanish and Mandarin are in demand and will continue to be for the foreseeable future. Second, intercultural studies, which typically includes gaining social, cultural and political understanding, is a critical knowledge set for any globally focused student. Third, international economics and trade knowledge can be learned while in school and applied to any discipline to improve the student's ability to adapt his field to the international scene."

"Also, consider classes outside your traditional degree," Rulis suggests. "If you have a degree in information technology, for example, take some classes in finance. Especially these days, when there are fewer people to get the work done, this can really make a difference."

Brabec adds that marketing classes are always helpful. "Understanding how to market a product or service to consumers and having some background on how to market something to different ethnicities can really set a candidate apart for any position."

Put your best foot forward on any soil

With a solid educational foundation under your belt, it is time to convince employers that you are ready for the international scene.

"The applicant must be able to conduct himself professionally in writing, speaking and social protocol," Nastanski states. "The student should be able to clearly describe his reasons for entering the international market and why that interest is relevant to the employer. Finally, the applicant must be able to articulate the key components of his training, education and life experience and how the combination of those attributes has prepared the student for immediately contributing to a potential employer."

While trying to break onto the global stage may seem different than finding a local position, it pays to remember that some qualities are universal. Rulis notes that she looks for candidates to be open to new ideas, patient and able to offer concrete examples of leadership skills and integrity.

Perhaps it really is a small world after all.

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How Your Job Search Is Like Selling a Home

By : Kaitlin Madden

You've lived in the same home for 10 years. It's comfortable and dependable, and the neighbors are great, but you're ready for a change. You know it's time to move on, but you're afraid your house won't sell in a market where buyers are super-selective and have tons of attractive housing options.

Sound familiar?

Selling a home in the current buyers market is a lot like looking for a new job in an oversaturated applicant pool. It's risky, you may have to invest time and money and try some unconventional methods in order to get results, but that doesn't mean it's impossible.

We've combined tips from MSN.com's real-estate guide with the advice of Joan Armon, a Chicago-area real-estate broker and certified home stager, to offer up these tips on selling a home in a buyers market -- and how you can apply them to your job search.

Do your research

Before you decide to sell your home, check out the housing market in your area. Are a lot of houses listed? What's the typical asking price for homes with features comparable to yours? Is your area up and coming, or on the outs? Finding the answers to these questions will help in determining the price of your home and how long it will take to sell.

How it applies to your job search: When starting a job search, it's important to get a sense of the market you'll be entering. Find out where the jobs in your industry are, in terms of both sector and geographic location. Have salaries in your field decreased since the start of the recession? Are job openings in your field being advertised? Conducting such research will help you decide where and how to target your job search. For example, if there aren't many job openings where you live, you may start thinking about a move to an area with greater opportunity.

Prepare to sell

Before you put your home on the market, clean it from top to bottom, touch up the paint and make any repairs to restore functionality or visual appeal. Home improvement is important for two reasons: When you take pictures for the listing, your home will be in top shape, and if you happen to get buyer interest right away, the home will be ready to show.

Armon says that showing your home in top-notch condition is especially important in the current market, since buyers are looking for homes in move-in condition and don't want to take on the extra cost of making repairs themselves once they move in.

How it applies to your job search: Like a house up for sale, it's probably been awhile since you were "on the market," so it's time to take an inventory.

First, check out your interview clothing. Is it in good shape? Does it still fit? Does it need dry cleaning? If it can be repaired or needs cleaning, take care of that before sending out résumés, so you will be prepared should interviews come up quickly. If your clothes are dated or no longer fit, buy new ones so you'll have plenty of time to pick out the right outfit and have any necessary alterations made.

Second, make sure all of your professional skills and certifications are up-to-date. (For example, if you're a flight attendant, ensure that all of your requisite training is current. If you're a nurse, renew your license.) Like a homebuyer, employers are going to want new employees to be "move-in ready."

Make the most of your listing

A good listing will help you gain a buyer's interest and distinguish your home from all the others on the market. It should focus on the features that make your home unique and appealing.

For example, Armon says, "Highlight the location if it is close to schools or transportation. Also important are any improvements that have been done ... [for example] if the home has granite, stainless steel appliances, finished basement, crown molding or hardwood floors."

This is also where your research comes in. If you found that a lot of young families have moved into your neighborhood recently, emphasize how great your school district is.

How it applies to your job search: Just like a home listing, your résumé should highlight your best features and what sets you apart from other applicants. Ask yourself, "What are my key selling points?" Do you have special training relating to your field? Did you start your last job as an hourly worker and leave as a manager? Have you worked at "name brand" company? If so, highlight these features on your résumé.

Evaluate the offers

In a buyers market, sellers often go one of two ways. Some have a hard time accepting any offer because they can't let go of what their house used to be worth or what they paid for it a few years ago. Others believe they are lucky to even get an offer on their home, so they jump on the first offer they get, even if it is well below the asking price. In either situation, it's important to be realistic. Negotiation is key, Armon says. "Even the smallest counteroffer lets the buyer know that you are willing to work with them," she says.

If months have gone by and no offers have been received, it may be time to re-evaluate your asking price. Is your home in the same price range as other homes on the market in your area? Have prices in your neighborhood dropped since the original listing? If your price is high or even in the same range as comparable homes in your area, you may consider dropping the price, even if it's only by a few thousand dollars.

Often, though, if your home is reasonably priced and well-maintained, the only thing that will sell it is a little bit of patience, so be prepared to wait awhile.

How it applies to your job search: Like home buyers, companies are watching their budgets. That means that even though you may have been worth X amount of dollars five years ago, your value may have depreciated. Make sure to evaluate any job offers in terms of today's market, not by what you used to make. That's not to say you should just blindly accept the first job that comes your way. If the salary is downright unlivable or the job isn't at all what you're looking for, you may want to consider declining the offer.

Like a home, if you've been out on the job market for a few months and haven't gotten any interest, it may be time to re-evaluate. First, rethink your starting salary. You may be scaring away employers by putting out a number that is too high. Second, re-evaluate your search. Are you applying for the right jobs? Are you taking the time to put forth quality, targeted applications?

If you believe your "asking price" is fair and you have a stellar résumé, you may just have to be patient. In job searches and in selling a home, good things come to those who wait.

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Relocation Negotiation

By Michael Chaffers,

Sooner or later, you might take a job that will require you and your family to move. You will likely incur significant expenses in the process, and if you are like most people, you will want your employer to pay for at least some of them. The following advice should help you handle this negotiation as effectively as possible.

Focus on Your Interests

The whole point of negotiating for something is to address your real needs. Before you limit what you ask for, make sure you know what you want. Think broadly and do not limit yourself to financial expenses. For example, one client of mine decided these were her needs:

• Assistance in selecting and paying for child care. (She still had to finish paying her nanny.)
• A highercost-of-living subsidy.
• A higher mortgage cost allowance.
• A bridge loan, because she could not sell her house before she had to relocate.
• Assistance in choosing a good local school for her older child.

Once you have thought about what help you need, you can prepare to negotiate for a package that suits you.

Find Out What Assistance Is Typical

Your preparation for this negotiation should include the following:

• Ask your new employer's HR department if the company has a written relocation policy or if it offers standard benefits.
• Find out who at the company has recently moved, and ask about their relocation packages.
• Ask your friends or other contacts in similar firms about their experiences or their companies' policies.
• If you are using a recruiter, he should be able to provide guidance as well.

Keep in mind that companies tend to vary in what they offer, and larger companies have more standardized policies. Therefore, compensation can differ by industry, city or even position in the company (executives tend to get more). Nonetheless, the following expenses are commonly covered:

• Moving costs.
• Temporary lodging costs.
• Travel costs back home if you relocate before your family moves.
• Job search assistance for the spouse (which may include job search reimbursements, referrals to a recruiter and arranging for interviews inside the company).
• Assistance in selling your house.

Develop Ideas That Benefit Both Sides

No matter what is standard, many companies are willing to negotiate packages that address their new employees' distinct needs. Still, even though everything is negotiable, your employer is more likely to agree to your ideas if they benefit the company as well. So anticipate this reality, and provide the advantages for your new bosses when you share your ideas.

For example, my client made sure to tell her new company, "I will be able to work longer hours and be more productive from the start if I can get a few important matters settled quickly."

Another client had an employer that, while willing to provide extra assistance for her relocation, did not want to set a precedent of deviating from its written policy. This person solved the problem by saying, "Well, what if we agree that this assistance will be called a signing bonus?"

Get It in Writing

Once you and the company agree on a compensation package for your relocation expenses, make sure you capture that agreement in writing. A formal contract is not necessary, just a simple signed letter detailing the assistance that is being provided and by what time.

A negotiation about relocation compensation is the same as any other negotiation. If you focus on effective preparation, collaborative negotiating and out-of-the-box thinking, you will do well.

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Job Search Geography

By : Peter Vogt

Sometimes, finding a satisfying job is simply a matter of looking in the right place -- literally.

What does geography have to do with your career? Well, we're not talking geography here in terms of Geography 101 -- mountains, prairie land, tundra, weather patterns and so on. We're talking about geography in the context of location, the part of the country or world to which one is referring. Location is one of the many mitigating factors that shoot holes in career generalizations.

Take art education, for example. If you live in a fairly rural area where the entire local school district has only two or three art teachers, your chances of landing an art education job may indeed be remote -- though, it's fair to say, there may still be other possibilities for you. If, on the other hand, you live in or are willing to move to a large urban area, your prospects improve significantly.

Likewise, although there may not be a huge demand for philosophy graduates in the town where you live now, don't feel like you've just wasted four years of study. If you're willing to relocate, you will find there are jobs for people with your background elsewhere. You simply need to do your research to find out where the best place is for you to pursue a career.

While some fields require doing your homework to find the best location, others have more obviously fertile locations. The filmmaking possibilities may not be making headlines in Hollywood, Alabama, but there are plenty of opportunities in Hollywood, California. It may be difficult to find a forestry job in downtown Lincoln, Nebraska, but you might do quite well in the beautiful woodlands near the coastline of Lincoln City, Oregon.

Geography and generalizations just don't mix, as many once-worried job seekers have been pleased to discover after finding the right place to pursue their dreams. So as you explore career possibilities, keep geography in mind. The career you want may indeed be nothing more than a dream where you're living now. But you may well be able to make it a reality somewhere else if you challenge yourself to consider the bigger geographical picture.

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Job Search Strategies for Starting Over in a New Location

By : Peter Vogt

Job hunting becomes harder than usual when you have to confine your search geographically. But you can find a job under such constraints with the right strategy.

Start Sooner Rather Than Later, Especially If You're Moving

After graduating from Brown University in 2004, Stephanie Harris looked for a job long distance for about four months, "doing interviews over the phone and squeezing them in during one trip out to California to visit my fiance." She used Monster Job Search Agents to monitor listings for publishing positions in Orange Country California-- a strategy that resulted in a few solid nibbles but no offers.

Still, by the time she moved early that August, she already had a pretty good sense of the types of publishing companies and jobs there. So in November, when she saw a Monster job ad from Entrepreneur Media, she suspected the position and organization would be a good fit.

"The job description just happened to match perfectly with my duties at an internship the previous summer, and so I applied online," says Harris. "I got the job [marketing associate for Entrepreneur Press, the company's book publishing division], and I'm very happy with it."

Tap Local Job Search Resources

Many communities offer some job search resources. For starters, every state has a government department devoted to labor and workforce issues. Most of these agencies offer Web sites that list local job opportunities. You can also search by State and city Monster.

But don't just search on the Web, stresses Liz Ryan, CEO of WorldWIT, a free online network for professional women in business and technology.

"Find all the local job search resources you can," Ryan says. "Purchase a copy of [your target city's local business publication's] annual ‘Top Local Employers' list. This list is invaluable for learning a lot about the top employers in your city."

Network Using a Variety of Methods

Networking is vital to your success in finding a job in a limited geographic area, says Marcia Merrill, president of eCareerCorner.com and a former career counselor at Loyola College. You can begin by attending local chamber of commerce events, Merrill says, or by asking your school's career center to help youget in touch with alumn in your target city.

You can also add a bit more creativity to your networking strategy. "[A former student] went to a company's Web site, found bios of several employees and saw that one of them lived near his hometown," Merrill says. "So he called that person, and the guy was so impressed, he brought [the student] in for an interview." Four days and three more interviews later, the student was hired.

"Networking is the best way to get a job anywhere, but even more so when your geography is limited," says Robert Zuckman, president of publishing company Zenergy Interactive.

Ryan stresses the importance of telling everyone about your job search, "from the people at your gym to the people at church," not to mention the people you might meet through organizations like WorldWIT and the local chapters of industry professional associations.

If you follow this advice, your geographic limitations will eventually give way to interview invitations and the job you really want -- where you want it.

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10 To-Dos Before You Move for Work

By : Christine F. Della Monaca

Whether it's on your own or for a specific job offer, you need to move for your career. The idea can be exciting yet frightening and overwhelming at the same time.

What do you do first? How do you make sure you get everything done and ensure your move is as hassle-free as possible? According to Diane Wirtz, a Realtor with Realty Executives Boston West in Massachusetts, here are 10 to-dos before you move.

Ask Your Employer About Relocation Benefits

When moving for a specific employer, it is always a good idea to check with your benefits coordinator regarding relocation services. Many large employers have relationships with relocation companies that offer great financial benefits, such as covering moving expenses and closing costs and even providing a buyout option if your home does not sell prior to your move date.

Pick the Right Realtor to List Your Home

An experienced real estate agent will give you a realistic estimate of not only how much your property will sell for, but also how long the process will take. Choose a Realtor with whom you can work well and who has a strong plan for marketing your home.

Be careful not to fall into the trap of hiring the agent who suggests the highest listing price. While everyone wants to see a profit, the expected sale price should be supported by comparable sold homes in your area.

Check Out Your New Home

As soon as you know you'll be moving, start surfing the Web and looking at community profiles local to your new employer. Perhaps one of the most important factors in your decision will be understanding the local economy and housing market. You may be excited about landing a new job with a higher salary, but if the local economy is significantly more expensive than the one you're coming from, you may find yourself further behind financially rather than ahead.

Plan to Make a Few Preview Trips

It will take some time for you to gain familiarity with a new area, so plan a few preview trips, if possible, to help you get comfortable there. You may be assessing various towns or neighborhoods, so do some comparison shopping.

Determine What You Can Live With

The commute to work may be a breeze from the northern suburbs but horrible from the south. You may prefer a bedroom community to the city life. If you have children, the school systems are always critical to your decision. This is a process that will more than likely take some time to work through. Your Realtor can play a key role here.

Find a Real Estate Agent in Your New Hometown

When searching for a real estate agent in your new hometown, remember: You will be relying on this person for guidance and expertise in an unfamiliar community. Your agent should be well-versed in local real estate values, as well as be able to provide helpful information on local amenities such as schools and churches.

In some locations, you will be able to work with a buyer's agent, who will be your advocate. Be sure to take some time to talk to your agent about your working relationship, who the Realtor represents and who pays the Realtor fees. If you don't know where to start looking, ask your listing agent for a referral. Also, the people you have spoken to during the interview process might be able to provide you with a name, since they have probably used a local Realtor themselves.

Look into Mortgage Services

Your Realtor can provide you with a list of local lenders he has worked with. Shop around for the best interest rate and closing costs. Keep in mind, however, that the cheapest does not always mean the best. A reputation of great service and a hassle-free closing can save you both money and headaches in the long run.

When you make a final decision on a lender, it is important to get a preapproval letter, which your Realtor will include with any offer to purchase you write.

Decide What Kind of Moving Services You Want to Use

If you're moving long-distance, be sure to use a reputable, insured moving company that frequently handles this type of relocation. You will be entrusting these people with precious cargo, so shop around and make sure you understand the process.

Moving companies offer various insurance options, and your needs will be dictated by what is being carried and other details of your move. There may be additional fees, such as packing services, boxes or large-item fees, as well as storage fees if the truck needs to sit for a day while you wait to close on a property. It is a good idea to have a few companies send out a representative to give you a quote and then get a written contract before you move.

Make Your Travel Arrangements

As soon as you know your move date, book any flights to coordinate with the dates of your move. If pets will be moving with you, be sure to make arrangements for them and understand the airline's policy and what travel containers will be required. It is also important to decide what necessary items you will want to keep with you and what you can send with the moving company. Keep in mind the number of changes of clothes and the weather where you are heading, and make sure you keep prescriptions and closing paperwork with you.

Attend to Transitional Details

Once you've settled on your new home and are ready to make the move, be sure to take care of all those transitional details. Have utility services such as gas, electricity, television and Internet connections turned off at your previous home and turned on in your new home on moving day. Make sure you have stocked up on all prescriptions, and get copies of any medical records you need to provide to your new doctors (including your veterinarian). Fill out change-of-address cards at your local post office, and notify credit card companies, banks and other important contacts of your new address. Finally, transfer funds and arrange check cashing in your new hometown.

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Strategies To Make Online Job Hunting Worthy

By : Floweradvisor.com

It has been said over and over again that web skills increase a person's chance for employment. In fact, even during the job hunt stage your being a computer savvy is a plus factor. The more dexterous your hands are in front of the PC, the more jobs you could locate.

That is why web skills have become a requisite for every job seeker, particularly those who look for jobs online. These days, you just send a scanned resume to your prospective company to get scheduled for an interview and eventually land a job.

To those who are beginners in job hunting, it is highly advisable that you learn a web lesson or two.

Comparing job offers can be tough and confusing especially if we are talking about two competitive ones. There are several factors to consider when deciding between two or more job offers. Here are some of them:

1. Company name. The company's name or reputation speaks a lot about what your work experience could be. Will it be secure or fulfilling? The best is to have both.

2. Corporate culture. This refers to the quality of working habits and working relationships among employees. I say the healthier, the better.

3. Compensation package. It has to include a comprehensive medical care and plenty of leave-related benefits.

4. Promotion trends. You know you don't want to get stuck in a job for a long time and not experience growth in your career at all.

So here are some of etiquette prior to interview that will give you a good impression.

-Be on time. Always arrive at least 10 minutes early- you won't just be perceived as punctual, but you'll also have time to organize your thoughts. Before heading for the reception area, quickly swing by the restroom to fix your clothes, freshen your hair, and pop a mint.

-Cell Matters. Getting interrupted with your scandalous ring tone can ruin a perfect interview. Show your interviewer some courtesy by switching your cell phone to silent mode or by turning it off during the interview.

-Dress the part. Check the office work environment first to see if it's better to come in corporate or casual attire. Remember, no matter how laidback the office, you must look professional.

-Come Prepared. Organize your portfolio the night before your meeting and make sure it contains the following: resume, transcript, certificates and licenses, recommendation letters and any other relevant material to help you seal the deal. Don't forget to pack your purse with at least two valid ID's for security checks, extra cash in case of emergency and a reliable pen, too.

-Show Confidence. Upon meeting your interviewer be the first to offer a firm hand shake and a warm smile. Whether, it's a one-on-one or a panel interview, remember to have a good eye contact. And smile as much as possible to help build a good rapport.

The basic essential for a job-hunter is the resume that you present to the interviewer. Graduating from one of the country's best schools or having loads of work experiences isn't a guarantee that you will immediately get hired for the position you're applying for. Every company has their own competency requirements. Keep in mind that you should customize the highlights of your resume according to their needs and what you can offer best. The essentials to include are:

-Your job Objectives. Be specific and be straight to the point when identifying the kind of job you seek. Keep it one sentence short to show clarity and direction.

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Measuring Your Level Of Competency At Your Job

By : Floweradvisor.com

Motivation is the individual's willingness to exert effort to achieve specific goals. Psychologist Abraham Maslow theorized that a heirarchy of needs motivate people

1. psychological
2. safety
3. belonging
4. esteem
5. self-actualization.

According to his theory, individuals are motivated by the needs located a step above the minimum needs that are fulfilled. Once a set of needs have been fulfilled, they are not likely to get fulfillment from needs at lower levels. People are also not likely to get motivated by an environment that will fulfill needs at a high level when their low level needs have not yet been fulfilled.

According to Frederick Herzberg, an employee's motivation is affected by factors like recognition, achievement, recognition, challenges, quality of work content, growth, and advancement. Factors like the administration, salary, and company policies produce dissatisfaction. Herzberg figured out that there are other factors needed to keep employees from being demotivated and to produce an environment that will motivate them. These factors affect the policies and administration, the supervision received during the job, interpersonal relations, working conditions, salary, and security. Although these do not necessarily make employees more motivated, it decreases dissatisfaction and brings peace and order to the workplace.

Job satisfaction is a multifaceted and complex notion that means different things to different individuals. Although job satisfaction is linked to motivation, the relationship between the two is not very clear because satisfaction is very different from motivation. Job satisfaction has more to do with a person's attitude and is typically associated with a feeling of achievement. The relationship between job satisfaction and individual performance is still an issue of controversy and differing opinions. One view says that satisfaction leads to improved performance, whereas another says performance leads to better job satisfaction.

Individual performance is typically determined by three different factors: motivation, ability, and work environment and information needed to get the job done. Motivation is the desire to do the job, and ability is the person's capability to do the job. Medical students go through rigorous education and training programs to provide them with the ability to handle various cases. During their residency they receive training from the best doctors in their required field. Ability is not usually a problem. But when motivation becomes the issue, the task is more challenging. It's not often easy to figure out why a person is not motivated enough and how this behavior can be changed. Thus, motivation plays an important part since it directly affects individual performance.

Respect can be shown by simple but powerful actions. These tips will give you ideas on how you might show respect at work while helping you avoid needless disrespect.

Encourage your coworkers to express their ideas and listen to what they have to say before you say what you think. Do not cut off someone while he or she is still speaking.

Use your coworkers' ideas to improve work. Let them know if their idea has been used, or encourage that person to implement the idea.

Treat your coworkers equally, no matter what their gender, religion, race, age, or size is. Treating people differently based on these can constitute as harassment.

Make sure your coworkers are involved in all meetings, discussions, and events. Although not everyone can take a lead role in these activities, make sure nobody is excluded either. Provide equal opportunities for all

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Giving Due Credence To Advertising Bodies

By : Floweradvisor.com

Free items are promotional devices used to attract customers. When a product has a free offer, the price of the pruchased product must not be increased from its regular price. Besides that, if a product is "free" or offered at a lower cost along with the purchase of another item, the advertisement must clearly disclose all terms and conditions of the promotion. Important information like terms affecting the offer's cost must be placed near the advertised price.

Advertisements promoting rebates should state the before-rebate price and the amount of the rebate. This way, consumers have the information they need to make comparisons. Rebate ads should also disclose other conditions and terms including additional fees and when consumers should expect to receive the rebate.

The FTC's regulations on endorsements state that all endorsements made by celebrities or experts should reflect his or her honest opinion or experience of the product, and not just the experience of a few satisfied customers. The endorsement should not contain any deceptive, unsubstantiated representations. The ad must also disclose if consumers can expect the same results or limited results as the endorser's experience.

For expert endorsements, the endorser must meet certain qualifications before he or she is considered an expert in the field. Simply being an expert, however, isn't enough. There has to be an actual evaluation or product testing other experts would normally conduct to support the concludes made in the expert endorsement.

Advertisements on the Internet are subject to the same laws as traditional advertising. All claims made on Internet advertisements have to be substantiated and truthful. Advertisers also need to be aware of privacy issues in internet marketing. The FTC encourages marketers and companies to implement four fair information practices:

1) Give consumers notice about the website's information practices
2) Offer consumers the choice as to how their identifying information can be used by the website
3) Provide consumers with access to the private information the website collected about them
4) Ensure the security of all private information collected

Marketers also need to be aware of the Children's Online Privacy Protection Act, which requires verifiable parental consent before using, collecting, or disclosing any personal information about minors.

Ad agencies behind infomercials must need proof that will back up all implied and express claims made by the advertisement about the product. Besides that, the infomercial must not deliberately copy the format of talk shows, news reports, or other independent programs. The FTC also requires that the ad agencies disclose that the program is a paid advertisement during the start of the infomercial and before the ordering information is shown. Since most infomercials feature endorsements from experts and consumers, the FTC also has regulations about the use of endorsements and testimonials. Should the infomercial fail to comply with the FTC's regulation, the manufacturer and marketer are both held liable.

The Federal Trade Commission Act can impose the following penalties on a deceptive ad, depending on the nature of the violation.

Cease and desist. This legally-binding order requires the company to stop running the ad and/or the practice, to pay a fine of $11,000 per day if the company violates the law, to have substantiation for any claims made in future ads and to report these to the FTC.

Civil penalties. This can range from thousands to millions of dollars, depending on the violation. Some advertisers give partial or full refunds to those who purchased their product.

Corrective advertising. Advertisers are required by the law to take down the new ad, correct the misleading information, notify consumers about the deceptive claims, and include disclosures in future ads.

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Adhering Towards Banking Ethics

By : Jon Caldwell

It is the obligation of banking institutions to educate their customers and help them understand in its simplest way regulations or processes they are following. There are a lot of bank transactions with corresponding guideline that not all bank clients may seem to understand. And most of us use these banking services to manage our money and we trust that they can handle each transaction very well with minimal errors. Understanding the basics of banking law also suggest that it is the right of every bank clients to also know the flaws of these set of laws, we can be charged by our banks simply because we mistakenly ordered a bank draft instead of a cheque, this happened because it was not explained very well to the client.

Dealing with pension funds, mutual funds, hedge funds, and investing the public who put away the products and services of the sell-side in regulating to make best use of their return on investment comprises the "buy side". Several firms have buy and sell side workings. On behalf of the bank and its clients, the principal purpose of the bank is buying and selling products. Banks takes on hazards all the way through proprietary trading, completed by a distinctive set of traders who do not cross with clients and in the course of Principal Risk. Threats assumed by a dealer after he buys or sells a product to a client and does not evade his total exposure. Banks look for to make the most of productivity for a given quantity of risk on their balance sheet.

Investment banks assist companies and governments put up money by questioning and selling securities in the capital markets which happens to be both equity and balance due. In late 1980s, the United States and Canada uphold a division linking investment banking and commercial banks. Greater part of investment banks present a tactical advisory services for mergers, acquisitions, divestiture or other monetary services for clients, such as the trading of derivatives, fixed income, foreign exchange, product, and equity securities. Trading securities for hard cash or securities, for instance, facilitates transaction, market-making, or the funding of securities such as underwriting, exploration, research, among others is submitted to as the "sell side."

Bank secrecy or otherwise known as bank privacy is an authorized standard under which banks are permitted to defend private information concerning their customers, through the utilization of numbered bank accounts. Efficient bank secrecy is enhanced and attained in certain countries, such as Switzerland or in tax havens, where offshore banks hold on to intended or legal levels of privacy.

Developed by the Swiss Banking Act of 1934, which directed to the famous Swiss bank, the code of bank secrecy is from time to time measured by major characteristics of personal banking. Advances in monetary cryptography conceive it probable to use unidentified electronic cash and anonymous digital bearer certificates to accomplish financial solitude and anonymous internet banking.

Islamic banking refers to a structure of banking or banking activity that is dependable with Islamic law (Sharia) philosophies and directed by Islamic economics. In particular, Islamic law prohibits usury, the assortment and disbursement of interest, also regularly called riba in Islamic dialogue. In addition, Islamic law forbids spending in businesses that are measured illegal or haraam, for example, businesses that put up for sale of alcohol or pork, or businesses that create media such as scandal columns or pornography, which are opposing to Islamic values. In the late 20th century, a number of Islamic banks were produced, to provide to this precise banking market.

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Creative Thinking When Interviews

Many people ask, what is usually asked in a job interview? This can be answered by a variety of opinions and arguments. Most interview questions will greatly depend on the company concerned, and certainly also on the nature of the job. However, there are some common questions that are mild to quite severe, such as asking their interests, organize or work experience, and so forth.

Some companies or job, requiring workers to be able to think creatively. Creative thinking means a thinking process which involves the formation of new ideas and concepts. This can also be expanded as the process of connecting ideas and concepts that already exist to create something new.

Creative
To find out how creative candidates, of course, will be presented several creative questions as well. This is true not only to learn creativity, but also can predict the problem-solving skills, and reactions of prospective workers when faced with a pressure.

Examples of companies that pretty much using questions that spur creativity is usually a company that works in the field of information technology such as Microsoft, Google, AT and T (AT & T American Telephone and Telegraph), NTT (Nippon Telephone and Telegraph), or perhaps a few companies that tend to move in the field others, like Wall Street Firms. One of my friends even told me his experience when given a riddle questions when she attended an internship interview with Broadcom Singapore.

In essence, creative question in the interview can be divided into three parts. The third part is the question of the puzzle (puzzle questions), the question of lateral (lateral questions), and the question impossible to answer (impossible questions).

First, the question of the puzzle is basically a question that has only one definite answer. Examples like this,

If you hold a badminton tournament with a total 127 players participating. At first round, 126 players will compete in 63 games, and one player as a bye. Later in the second period, there were 64 players in 32 matches. How many times the game needed to get a winner?

When confronted with this sort of question, chances are we would think by adding 63, 32, 16, 8, 4, 2, and 1 so that we can answer the 126 games. But his case would have been different if we are faced with something similar, with large numbers, like 999 players for example. We will be trouble enough.

Creative Ways
Let's think creatively! Actually, simply, with the same system we need one game to eliminate one player. If we have 127 players, then we need 126 games. We can respond quickly, accurately, and give the impression to the interviewer.

Second, the question of lateral, is a question to ask someone to change concepts and perceptions. This will spur someone to come out of thinking that can be predicted, and found unexpected ideas. For example,

My brother bought a parrot. It is said by its seller, that the parrots will mimic any utterance that was heard. However, after my sister for a week caring for the bird, the parrot did not even babble. What really happened?

We can explain that these parrots problem does not lie in not imitating any shortcomings has been heard, but the real problem is parrot is deaf.

Third, the question that imposibel. Questions like this really have many answers and resolution, but none have a definitive answer when asked that question. Several examples like this,

What and how do you do, when you wake up in your room are a lion ready to pounce on you?

That question does not seem very plausible. But of course we're not going to answer that question it was unreasonable. We could find a solution by returning to the interviewer asked whether we had weapons, like pistols, sword, etc., that can help us defend ourselves against these lions. Or ask if in fact the lions and the bars even though you are restricted in the same room.

One of my other friend told her story in an interview that he attended a job at a company engaged in the financial sector. The interviewer asked how the number of service stations in Singapore. Obviously the interviewer does not want to get a definitive answer, but more towards how my friend replied.

Please note, that the acceptance criteria of workers did not refer to things like this alone. Many aspects need to be considered in the acceptance of workers. Nevertheless, there is no harm if we pay attention to every part of the interview as an important part, do not underestimate.

If you are a prospective employee, it helps if you start practicing this sort of question from now. However, if you want to hire workers, there is also a good idea if you start using this sort of question. Many resources are available for this study, ranging from books, web, and perhaps from the experience of friends around you, even your own experience.

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Best Financial Career Path to CEO Chair

By : Portalhr.com

The process of recruitment of new employees in the company's increasingly perceived lack of innovation and creativity. Interview method in the room, by sitting candidate and menyodorinya number of questions still to be the mainstay. In fact, in the labor market today, the candidate has changed compared to the previous era.

Thus expressed by Canadian marketing expert Seth Godin, who is also the bestselling author of Meatball sundae: Is Your Marketing Out of Sync? According to him, today's job seekers want a process that comes out of the grip over this when they apply for jobs.

Therefore, in Seth's opinion, no doubt about the need for a unique recruitment process. 'If you are using a standard interview process, the person you hire will be automatically defined in the criteria of a good standard too, "he said.

In other words Seth warned, people who managed to prove himself good in the interview, not necessarily a good thing in the work later. Skills often do not answer questions relating to the skills required in completing the work.

"A number of organizations of young entrepreneurs started to introduce the techniques that are more sophisticated," said BC President Management Association Human Resources who is also a partner Drew Railton at Caldwell Partners International, an executive search firm the largest in Canada.

"They were five or six candidates gathered together in one room and interviewed them together to see who is best," he said.

Director of Recruitment at Robert Half Finance & Accounting confirms Jean-Philippe Gauthier, talent shortages forced the company to expand their hiring practices.

"One who started mostly done is speed interviewing," he said, adding, long-winded process that will create a trigger on-hire candidates for other companies.

According to Gauthier, in addition too standard, long interview also has many weaknesses. He cites the conclusion of the study results which show that the interviewer actually already have a decision on the candidates in the first 12 minutes of discussion. More than that just a waste of time.

Not only that. "We also found that 78% really quickly assess candidates in the interview," said Geoffrey Smith, Assistant Rector of the University of Guelph, a school of management and economics. Together with his team, he undertook a study on the practice job interview in Canada.

Smith said, 75% interviewer add a new question on a number of different candidates. This means that all candidates are not assessed on the same information. "In other words, you can no longer rely on traditional interview, unless you develop the structure," he concluded.

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More Trusted Online Networking for Job Search

By : Portalhr.com

This is good news for job seekers from the "internet generation". Many executives are now increasingly believe that professional networking sites on the Internet has the power to assist the company in the process of finding a potential workforce.

Thus according to a survey by recruitment agency Robert Half International (RHI) headquartered in California. Surveys conducted in Canada and the U.S. and found that in the coming years, Web sites on the Internet will be increasingly useful.

Therefore, RHI advise job seekers to "enter" into an online network to smooth the way in the job search process.

"Site-networking sites can be used to search for new career opportunities, create an online profile that highlights one of the skills and experience and build network of business contacts continuously," said Max Messmer RHI CEO who also wrote the book Job Hunting for Dummies .

Disclosed, of 100 senior executives in Canada who were interviewed, 67% believe that professional networking sites like LinkedIn, very useful to support the process of recruiting new employees. And, 25% say social networking sites, like Facebook, are also equally useful.

The executives were presented with the question, "what technological devices you believe will be very useful to support recruitment in your company in three years?"

In the U.S., 150 senior executives gave similar answers to a survey conducted in Canada, with the proportion of 62% said professional networking sites, and 35% say social networking sites.

However, despite the growing online network play a role in helping people find work, stay Messmer suggested that traditional methods are not necessarily abandoned.

"Try it all ways. How else to apply in writing with resume to be sent by letter, dna face to face with the hiring manager is still important to find the ideal job, "he said.

Meanwhile, to maximize their online channels, RHI has suggested that job-seekers:

* Write the profiles carefully
* Ask for recommendations
* Build a list of business contacts
* Not to post anything that is confidential (private)
* Do not stop building networking after successfully getting a job.

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