Career Building

How Constant Rejection Can Actually Lead to Success

Emily Guy Birken — Tue, 13 Nov 2018 08:00:11 +0000

Rejection is no one's idea of fun. Not only do you have to deal with the disappointment of not getting something you hoped for, but you also have to grapple with the feelings of insecurity that come along for the ride anytime you're told, "Thanks, but no thanks."

You might feel like curling up at home and never trying again after a crushing rejection, but it's best to ignore that impulse. That's because the most effective way of finding a path to your greatest success is to get rejected over and over again.

Constant rejection removes the sting

One of the reasons why rejection hurts so bad is because it closes off a potential future that you were looking forward to. Whether you don't get the promotion you applied for, the college acceptance you wanted, publication of a story you wrote, or a date with the guy you've had a crush on for months, learning that the answer is no is painful because you've lost something.

But if you're always putting yourself out there, you're not only opening yourself up to more rejection, you're also lessening the importance of any one option available to you. Being open to getting rejected much more often can help you remember how easy it is to bounce back from a disappointment when you've got plenty of other options available. (See also: 4 Ways to Bounce Back From Job Rejection)

Play the odds

Overcoming the negative emotional impact of rejection is just the beginning. In addition to that, the more you put yourself out there, the more you're likely to receive acceptance that you weren't expecting.

Consider what happened to writer Kiki Schirr. She set herself the goal of receiving 100 rejections in 2018. That's nearly two rejections a week, which meant she had to be putting out at least two applications or story submissions per week. With that kind of goal, Schirr decided to apply for anything and everything that interested her, even if she thought the opportunities were out of her league.

Instead of racking up rejection after rejection, however, Schirr had to declare her resolution a failure as of late May, because she had gotten so many acceptances.

Before this experiment, she assumed opportunities were closed off to her based on her skillset. Until she decided to collect rejections — and therefore take more chances — it never occurred to her just how much she could do. (See also: 11 Ways to Get Over Rejection)

How to collect your own rejections

To make constant rejection a way of life for you, too, you need to make sure you do the following:

1. Set a rejection goal

As with any goal, you should give yourself a specific and measurable target for your rejections. Saying, "I want to apply for more jobs and get more rejections," does not help you overcome the fear of rejection or give you something to strive for. Instead, set a goal that you will collect 30 job rejections in three months, or get turned down for 10 dates in a month.

2. Change your mindset about rejections

Instead of viewing each "No, thank you" that you receive as a rejection, start seeing it as an affirmation that you're trying. If you start feeling excited to receive a rejection, then you can feel good about learning from it and getting back on the horse.

3. Collect your rejections in a meaningful way

You can even do something fun with the rejections you receive. For instance, when Stephen King was first starting out as a writer, he sent his stories to every sci-fi and horror magazine out there. They all got rejected for the first few years, so he got in the habit of sticking the rejection letters on a nail on the wall of his bedroom, and feeling a sense of pride at the size of the stack.

4. Ignore your concerns about being fully qualified

Job-seekers will often only apply for positions that they know they are completely qualified for. But listed qualifications are often guidelines, instead of hard-and-fast requirements, and you may find you're perfect for a job you wouldn't otherwise apply for.

5. Have fun applying for anything that interests you

Letting go of the concern about whether or not you get a specific opportunity allows you to have a lot more fun with the process. You can enjoy the hunt for new opportunities to be rejected, since no one rejection really matters, and you can have fun applying for things that are outside of your normal sphere. (See also: How to Leave a Positive Impression on Everyone You Meet)

Rejection is your path to success

To succeed, first you need to fail — a lot. Rejection is just one part of failure, and but it can land a major emotional punch. Giving yourself a goal to collect rejections can help you learn to remove the sting from rejection and give you many more opportunities to succeed.

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This article is from Emily Guy Birken of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Be a Stellar Mentor to Someone at Work

Paul Michael — Thu, 08 Nov 2018 08:01:09 +0000

When you're asked to become a mentor to someone, it can be one of the most rewarding experiences of your life. You've reached a stage in your career wherein you have valuable knowledge to pass on, and you can impart that wisdom to an eager disciple. However, the difference between being a good mentor, and one of the best, is all about how much effort you put in, and the ground rules you set for both yourself, and the student. Here's some advice to get you there.

1. Listen more than you speak

It's easy to think that because you're an experienced and reliable advisor, talking is the biggest part of the role. But in reality, a great mentor will choose his or her words carefully, and spend way more time listening to their protégé. Knowing what to say, and when to say it, is what separates a good mentor from a great one. If you listen to your young Padawan carefully, you'll get all the information you need to provide more reasoned and helpful advice. (See also: This One Skill Can Make You a Better Boss)

2. Know when to step back

We learn by failing. You shouldn't be afraid to let your disciple fail. Of course, they should be at least ready to attempt the task at hand, whether it's learning a new skill, or leading a team project. But success will not come instantly, and by letting them learn from their mistakes (and embracing every success along the way) you'll prepare them way better than a mentor who shelters them from every possible struggle.

3. Offer plenty of clear explanations

What's that old saying about giving someone a fish versus teaching them how to fish? You know the one. The same applies to almost any kind of information you share with your mentee. You may know the best way to do something, be it stripping down an engine or building a strategy for a product launch. However, just telling them without explaining why you do it the way you do is nowhere near as helpful. Remember, you're a mentor because you have great knowledge to pass on. Get ready to explain the why as well as the how. It will also help you gain a fresh perspective on how you got so good at what you do. (See also: 9 Signs You're Making All the Right Career Moves)

4. Acknowledge that you can learn from them, too

Mentoring is not a one-way street. Whether you're 28 or 88, there's always something new to learn. Sure, you know a lot; enough to be a mentor, but your mentee brings new experiences and information to the table as well.

A great example of this is the world of advertising and design. The last decade has seen a revolution in the way brands advertise to consumers, and in particular, millennials, and Gen Z'ers. Social media is a powerful tool, and one that veteran advertising experts are still trying to master. Mentees in the advertising world often know more about this than the mentors. Get ready to trade knowledge, not just dish it out. (See also: 6 Ways to Make Extra Money Using Social Media)

5. Be available as often as you can

Mentoring, when done correctly, is a commitment to teach what you've learned to an eager mind. The problem with minds is that they don't easily switch off. Your protégé will have questions, thoughts, and maybe even big ideas outside of the usual 9-5 work day. A good mentor will be available during the work week. A great mentor will be available when he or she is needed, regardless of the time. It's fine to set boundaries, of course ("I'm at a wedding, save your questions until later"), but to simply shut them down when the clock turns to 5:01 p.m. is not going to help them reach their full potential.

6. Set some achievable goals

When you become a mentor, you should be prepared to interview your mentee at the start of the process and figure out what they want to get from you, and the relationship. It can be a casual conversation at a coffee shop, but take notes and set at least five or six definitive goals for both of you. Make sure these are goals that will prove your mentoring has not only succeeded, but has done so in necessary and specific areas.

For example, say you're mentoring someone to become a better swimmer. The goals could be "learn the backstroke," "complete a flip-and-turn successfully," and so on. This applies to any industry or pastime, and as someone with a great deal of experience, you shouldn't have trouble setting specific goals.

7. Go heavy on praise, and light on criticism

For some mentors, the path to success is paved with shouting, reproach, humiliation, and blame. You'll often find this kind of behavior on reality shows, because they need the ratings, but that is not the norm. You will not be a great mentor if you point out every single mistake, jump on every failure, and scream your way to achievements. Yes, it will sometimes be necessary to talk about a major misstep, but you need to focus on the successes and heap praise upon the victories. Mentees will get much further when you show them how proud you are of their accomplishments, rather than how much you hate their mistakes.

8. Put your protégé ahead of your company

When I was a junior copywriter, I had some incredible mentors. One of them, a creative director, saw my potential and advised me to leave the company and work for one that would challenge me more. Needless to say, I took that advice. He was loyal to me, not the agency, and I have never forgotten his guidance.

Invest your time in the person, not the position. What are they bringing to the table? Are they going to be miserable here? Are they meant for another career entirely? As a mentor, when you see this in your mentee, it's your duty to point it out. Most of the time, it comes back to reward you.

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This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

8 Professional Ways to Make Friends at Work

Paul Michael — Thu, 01 Nov 2018 08:00:11 +0000

When you're a kid, making friends is one of the easiest things you can do. Walk up to someone roughly the same height, say "Hey, wanna be best friends?" and congratulate yourself on another buddy in the bag. Try that line as an adult and the reactions will range from a bizarre stare, to a quick 911 call. It can be tough making new friends, and most of the time the people we meet at work are our best shot. However, because you're in a professional environment and need to see these people every day, you want to keep a respectful distance, at least at first, until you get to know them well enough.

Here are some ideas on how you can make friends at the office without making things awkward.

1. Seek out people with similar interests

Finding a shared passion is one of the fastest ways to find a new friend. Whether it's a love of baseball, comic books, or camping, when you start out both loving a certain pastime, you have a great foundation to build from. But how do you identify the coworkers who have the same interests? Well, you can start by taking advantage of the kitchen (if you have one). Hang out there while you drink your coffee, join in on the conversations that happen, and casually bring up your own hobbies. You can also leave flyers, especially if you're starting something like a softball team or book club. (See also: 11 Ways Freelancers and Telecommuters Can Make Friends and Network)

2. Attend all work events

Some work events will be company-sponsored; others will be arranged by colleagues who want to hang out after work. If you avoid these chances at more relaxed socializing with coworkers, you're denying yourself the opportunity to make a real connection. So attend the company picnic, the pot-lucks, the team-building outing to a local axe-throwing club, and of course, happy hour. Most company employees like to hang out after work for a few adult beverages, chewing the fat and relaxing after the rigors of the day. Join in.

And if you're the sober one, and the designated driver, the bar staff will usually give you free sodas and energy drinks through the night to support you. (See also: 6 Ways to Split the Bill Without Losing Friends)

3. Eat lunch with a group, not at your desk

Make it a point to eat lunch with people you like, as a group, at least a few times a week. If you can afford it, heading to the local lunchtime eatery is another fun way to make friends. Plus, as you're not in the office setting, it can be more relaxed.

4. Bring in breakfast

Breakfast doesn't have to be an expensive gesture. A box of donuts costs about $10, and most people will love the thought and effort you put into it. You could also arrange a schedule, so that a group of you are alternating breakfast duties throughout the month. Even if you're extremely busy, there's always time for a five-minute break to eat a donut and have a coffee.

5. Take advantage of social platforms

The biggest social network for business is LinkedIn, and it's usually easy to track down your coworkers and connect with them on that site. You can leave messages, or post shout-outs to team members who did a stellar job during the week.

Once you get comfortable interacting on LinkedIn, the next step is to reach out through Facebook, Instagram, and Twitter. This is a depper step into your colleague's personal life, so don't rush this one. Some people like to draw a line between business and pleasure, even in this age of sharing everything online. And as always, keep it appropriate. It may be social, but if you start ranting about a crappy day at work, don't expect your coworkers to have your back. They know these posts can be picked up by management and plenty of people have been let go due to social media missteps. (See also: 7 Easy Ways to Clean Up Your Image on Social Media)

6. Ask your coworkers for help

If you're new to the company, this is a great way to get closer to people you see as potential friends. They know the ins and outs, and they will be more than happy to help the green employee. By asking for help on a project or task, you show a more vulnerable side, and when egos are small, big friendships can grow.

7. Exude confidence

If you're shy and lack self-esteem, you'll struggle to make meaningful friendships. Relax. Think about all of your good qualities. What makes you great at your job? What makes you a great friend? Pump yourself up, and it will really help you make connections.

8. Show off your personality

If you have the ability to do so, turn your workspace into an advertisement about your interests and hobbies. If you're the world's biggest Harry Potter fan, celebrate Hogwarts with some desk toys. Love football? Drape the team colors. Can't wait to go paintballing? Put up some event posters and photos of you in your gear. And if there's a like mind in the office, they'll hear about your interests and seek you out.

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This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

6 Negotiation Tips for Introverts

Rachel Slifka — Tue, 30 Oct 2018 08:00:12 +0000

Some people are natural negotiators. They are the smooth-talkers who always manage to say the right thing to get exactly what they want. Where most of us are at least somewhat fearful about the idea of negotiation, these people seem to enjoy it.

Negotiating can be especially challenging for introverts, not because they lack confidence, but because negotiations can have a confrontational tone, and often require some posturing and bluffing — which are not communication tools introverts typically use. Though introverts may be less comfortable with the act of negotiating, they have many strengths that can aid them in the process. (See also: 6 Smart Money Habits of Introverts)

No one is born a good negotiator. Negotiation is a skill, and it takes a lot of practice. And here are six ways introverts can become stellar negotiators. (See also: 8 Negotiating Skills Everyone Should Master)

1. Research and prepare

Introverts tend to flourish when they have researched and prepared in advance. By researching, you armor yourself with the facts. This is vital, because you no longer have to rely on your opinion or emotions, both of which can be difficult for introverts to openly share.

Figure out what the going salary is for someone in your location and with a similar level of experience. Collect data from multiple reliable sources. Then create a list of everything you've accomplished in the last year. If you've saved the company a significant amount of money, for example, be sure to include that in your documentation.

2. Consider the outcome

Think about how the other party might potentially respond to your negotiation request. For example, if you are asking for a raise, how will you respond if they agree? What if they disagree? What if they completely blow you off?

Assess every possible outcome and how you will handle it. Consider what you're asking for. Do you have a bottom line? What would be the bare minimum you hope to gain from having this conversation?

Nothing is worse for an introvert than being thrown for a loop, so be realistic and plan for the unexpected.

3. Cut to the chase and ask

So many opportunities are missed because people aren't sure how to ask for what they want, or are too afraid. Share your data, get to the point, and ask for what you want. If the other party doesn't agree with your terms, it is likely because they either didn't believe the facts, or they don't have enough resources to sustain your claim. Either way, you never know what you can gain unless you ask.

4. Show them how it's mutually beneficial

Make your case for why you deserve what you're asking for, but also be sure to include what they'll gain by giving it to you. A successful negotiation will showcase how this proposition will benefit both parties. If it's a promotion you want, for example, point out how you'll increase the bottom line, or improve the company in this new role. (See also: 6 Reasons Introverts Make the Best Employees)

5. Don't forget to pause

Typically, introverts love to take their time to think about what they're going to say before they say it. Because of this, any long pauses or any unexpected questions can instill a fear of the unknown. Long pauses, however, can be used to an introvert's advantage.

If someone asks you a surprising question, don't hesitate to pause before you respond. While you're gathering your thoughts, the other person may even offer further explanation or clarification, buying you extra time to make your point. (See also: 7 Everyday Situations That Introverts Ace)

6. Practice, practice, practice

Rehearse everything, from how you will enter the room, how you'll greet the other party, and how you plan to take hold of the conversation. Avoid going into in-depth explanations as to why you want what you want. Stick to the facts.

It might feel somewhat silly to practice your negotiation tips, but the more you rehearse, the more your confidence will grow. Notice if you're fidgeting, stuttering, or speaking unclearly. Remember, keep your responses short and to the point to clearly communicate what you're asking for.

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This article is from Rachel Slifka of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Questions to Ask Yourself Before You Ask for a Raise

Paul Michael — Mon, 22 Oct 2018 08:00:12 +0000

When was the last time you got a big raise? We're not talking about the 3 percent raise you should get every year to keep your salary in line with inflation — we're talking about a noticeable pay bump to reward you for all your hard work. Has it been a while?

You may feel like you're long overdue for that financial reward, but asking for a raise without first recognizing if the timing is right can set yourself up for a disappointing answer. So before you ask for a raise, ask yourself the following questions first.

1. Is my current salary where it should be for my position?

Salaries for identical roles vary from company-to-company, state-to-state, and country-to-country. You may not have had a significant raise in many years, but that doesn't mean you should automatically get one. Take a look at a website like Salary.com and search for your current role, your location, and your years of experience. Don't forget to add in any benefits and bonuses you may get. Now, where do you fall on the chart?

If you're right at the top of the bell curve, congratulations; you're getting what the majority of people in your position are getting. If you're to the right of that peak, you're actually earning more than average. It's only if you fall significantly left of center that you should feel a large raise is appropriate. (See also: 5 Times You Should Demand a Raise)

2. When did I last get a raise?

Again, this is going to vary depending on your profession and the current state of your industry. But usually raises are given out annually, so if you had one 10 months ago, you shouldn't expect to get a warm reception when you ask for more money. If it has been many years since you had any kind of raise beyond the meager 2 to 3 percent, and you have an excellent work history, you are definitely right to approach your supervisor and talk about money.

3. When did I start this job?

That could be read one of two ways; either your start date with the company, or the date of your last promotion. Either way, you should really tread carefully if you start asking for more money without a year of experience in that role under your belt.

Now, you could find that certain promises were not kept with regards to commissions, bonuses, benefits, or other ways you were told you'd be compensated. If that's the case, make the reasoning watertight. You took the job based on income you're not receiving, so you would like a bump in pay to make it right.

4. Do I really deserve the hike in salary?

Of course you do, right? Well, maybe not. A fat raise usually accompanies a promotion, more responsibility, or the kind of performance that makes you indispensable. Look at what you've done since the last time you got a raise. Have you been good at everything, or have you been outstanding? Did your performance meet the expectations set by your manager, or did it exceed them? Did you hit deadlines and budgets on the head, or did you come in under budget and ahead of schedule?

Sadly, "good" is just not good enough for most companies these days. They expect a dazzling performance month after month before a raise is on the table. (See also: 9 Ways an Annual Self Review Can Boost Your Career)

5. Do I really want more money, or more job satisfaction?

Money makes the world go 'round, but sometimes we find ourselves wanting more money because the job isn't giving us any other reason to show up. The role may have become stale, or the tasks uninspiring. We're not fulfilling our potential, and to compensate, we want more money in exchange for the torment we endure.

If your motivation for a raise is that the job just plain sucks, do you really want more money to stay in a role that you don't like? Is there a better solution? How about a move to a different department, or asking for more challenging opportunities that will help you grow your career? Money isn't always the answer. (See also: 5 Reasons a Big Paycheck Is Not Worth Staying in a Job You Hate)

6. How's my company doing?

Unless you've been hiding your head in the sand, you should have a good idea of how the company has been doing for the last six months to a year. Is it in a good place, a great place, or have there been troubles?

For a start, any kind of financial issues are going to make your request for money come off as tone deaf. Layoffs, cutbacks, and salary cuts spell trouble for sure, and asking for a raise when everyone is struggling is not going to go over well. Even if you believe you're being underpaid or really deserve the extra money (for example, if someone was laid off and you're doing twice the work), you must be careful how you broach the subject. Before going to the boss, put feelers out with human resources or someone in finance. (See also: The Absolute Worst Ways to Ask for a Raise)

7. Can I justify a pay raise?

"Because I deserve one" is not a good answer to the question, "Why should we give you a raise right now?" In fact, you shouldn't even let your boss get to that question. Instead, make a case for your raise right out of the gate. Start the conversation with something like, "I've been doing a lot of thinking, and I believe I deserve a pay raise for these reasons." Then, clearly and confidently explain those reasons. Don't be pushy, arrogant, or entitled.

Use specifics in your argument. "I've been doing a great job" is way too broad. Instead, list performance figures, additional hours worked, weekend work, increased sales, increased customer satisfaction, or whatever else counts as a big plus in your role. If you're having trouble thinking of any specifics right now, it's probably not the time to ask for a raise. (See also: How to Negotiate a Raise Out of the Blue)

8. How much do I ask for, and how much will I be happy with?

The two numbers are not the same. In fact, the second will probably dictate the first, because in the negotiation game, it's always better if you set the "anchor" point rather than the boss.

Let's say you want no less than a $5,000 raise. You shouldn't ask for $5,000, because it's way too easy for the boss to talk you down from that price point (they sure won't be going up from it unless they're worried you're about to quit).

When you're asked how much of a raise you'd like, go higher than your bare minimum. Maybe you ask for $10,000. If he or she says yes, great! If not, you can start negotiating back down. When it gets down to $5,000, you can accept and be happy. The boss will also be happy that the figure is lower than what you said you wanted. (See also: This Simple Negotiating Trick Puts Money in Your Pocket)

9. Will I accept other benefits instead of money?

Again, is money what you really want, or would you consider other offers that aren't directly tied to salary? For example, what if you're given an additional five vacation days per year? That has real value, especially nowadays when we all seem to be working harder than ever. If not that, would you take an offer that lets you work from home one day per week? Or how about getting additional benefits you may not be getting now, like a higher match for your 401(k), or paid conferences out-of-state (or even out of the country)? Consider everything that you could be offered instead of money, and have them in your back pocket if your request is flat-out refused. (See also: Didn't Get the Raise? Ask for This, Instead)

10. What's my plan if I'm turned down?

Be prepared for the boss to say no. You shouldn't expect to get a raise, or the amount you believe you deserve, even if you think it's overdue. If you walk into the room thinking it's in the bag, and don't have a plan for rejection, things could go badly. You don't want to get upset, angry, or walk out and slam the door.

Instead, thank your superior for his or her time, and ask when a good time would be to revisit the issue. This leaves the possibility of a raise still in the air, and allows you to try again at the appropriate period. Then, go back to doing what you do without holding a grudge or lowering your performance. Work hard, work smart, and that raise will hopefully come soon enough.

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This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Survive Working From Home When You're an Extrovert

Emily Guy Birken — Mon, 15 Oct 2018 08:00:10 +0000

Working from home can be the perfect fit for introverted professionals. Since introverts tend to recharge best by being alone, and focus best while working solo, telecommuting offers them the best possible work environment for their preferences and abilities.

Then there are the extroverts. Being extroverted means that you recharge best by being social, and you often do your best work when you can bounce ideas off other people. Working from home could potentially make an extrovert lonely, bored, and likely to lie in wait for the postal worker just to have someone to talk to.

But it doesn’t have to be this way. Extroverts can happily work from home without cornering door-to-door solicitors to chat. Here are some easy ways you can make working from home work as an extrovert.

1. Get dressed

While one of the big benefits of working from home is the ability to stay in your pajamas all day, it is actually much better for your mental health and productivity to get dressed — and even to look professional. That’s because wearing professional attire helps put you into the right mindset to work, rather than nap, and it also helps to create a boundary between your work life and your home life.

In addition, dressing for work helps you to be prepared to see people, even if you have no specific plans to do so. You're much more likely to enjoy an unplanned (but welcome) conversation with a neighbor who drops by or the teller at the bank if you're dressed for work rather than wearing yoga pants and a stained T-shirt. (See also: 6 Ways to Prepare for Your Work at Home Gig)

2. Schedule work away from home

A great way to scratch the social interaction itch is to plan on working outside of your house at least once or twice a week. This could mean setting up shop at your favorite local coffee house, or even finding a local co-working space to haunt.

The best way to make this work for you is to be consistent about which days you take your work elsewhere. If your local barista knows you're at the coffee shop from 9 a.m. to noon every Wednesday and Friday, you’re much more likely to start forming bonds with her and other regulars who are there the same days. (See also: 11 Ways Freelancers and Telecommuters Can Make Friends and Network)

3. Join group fitness classes

Having flexible work hours means you have more options for getting your exercise in every day. Joining a group fitness class will give you both the important social outlet that you crave and the opportunity to step away from the computer for an hour each day to break a sweat.

4. Eat lunch away from your computer

It can be very easy to inhale some ramen over your keyboard while working from home, but it’s important to take an actual lunch break away from the computer screen. This offers you a needed break in the middle of the day, which can help you to be more focused when you get back to work after having lunch. A dedicated lunch break also gives you another potential opportunity to socialize, if you're able to make lunch plans with a friend or fellow work-from-home colleague. (See also: The 5 Biggest Mistakes People Make When Working From Home)

5. Make regular evening plans

Having regular plans to meet friends in the evening can be a lifesaver for extroverts working from home. This will help you define the end of your work day — which can sometimes be tough for remote workers — and give you a truly re-energizing social outlet to look forward to all day.

6. Schedule daily interactions

Most work-from-home jobs require some sort of regular phone calls, group video meetings, or other interactions. If you can, make sure you spread out your work calls so that you have at least one per day, rather than let them all pile up into one particular day of the week.

If the timing of your interactions with co-workers, colleagues, or clients is outside of your control, schedule other types of daily interactions to make sure you're getting the conversations you crave. For instance, you could schedule calls to talk to family members or friends on the days when you have no work calls to make. Just a 10-minute chat can make a huge difference in your sense of well-being.

7. Join (or create) a mastermind group

Mastermind groups bring together peers who work in the same field to network, bounce ideas off each other, and help encourage each other to move forward in their careers. Having a mastermind group meeting to look forward to once a month (or more often) can be a major boon for the work-from-home extrovert, as it not only provides you with the opportunity to talk shop with other professionals in your field, but it can help you grow your career.

8. Volunteer to attend conferences

Going to industry conferences can be a big win-win for extroverts who work from home, since the go-go-go pace of conferences can fit very well with their personalities. It also provides them with the opportunity for advancement when they bring home new information, clients, sales, or skills. As another plus, you can potentially impress your boss with your initiative by seeking out conferences that could help you do your job better or help your company fulfill its mission.

Being an extrovert in a stay-at-home world

Working from home without losing your mind is more of a challenge for extroverts. But making deliberate choices about everything from what you wear, to how you schedule your time, to where you get your remote work done can help you get the social interactions you crave while enjoying the benefits of working from home.

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This article is from Emily Guy Birken of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Ways to Improve Your Company's Culture, Even If You Aren't the Boss

Paul Michael — Thu, 12 Jul 2018 08:00:25 +0000

When you work for a company, you soon get to know its culture. Sometimes it's fantastic; everyone gets along great, and you pinch yourself to see if you're dreaming. Most of the time, however, company culture is in need of some improvement, if not a complete overhaul.

This is where you can help. Even if you're not the one in the corner office, you can still have a positive impact on your work environment and company culture. Here's how.

1. Don't help the gossip spread

One of the worst aspects of any company culture is the rumor mill. Almost every place of employment has it. If you're not the boss, and it's not your place to put your foot down about stopping the spread of gossip, you can at least do your part to limit how far it goes.

The best way to do that is to stop feeding into it yourself. Don't lean in at the water cooler when voices turn to whispers and someone is talking about a co-worker. Don't engage. Simply say you're not interested, and walk away. You may not be able to wipe it out entirely, but by becoming a positive influence, you may inspire others to avoid it as well. (See also: 8 Career Moves That Prove You're Finally a Grown-Up)

2. Look at "bad" projects with a fresh perspective

Something I have personally learned from my 20+ years working in advertising is that there aren't bad accounts. What happens is that the people working on them become jaded, relationships are strained, and they become awful to work on. Then, a new hire comes in and suddenly that account is turned around for the better, simply because the newcomer had no history with it. Use this perspective to your advantage.

What projects are just awful? Which tasks are dreaded? Which people seem to just collapse when they hear the name of a certain client or account? Take a look at it with fresh eyes. Why is it bad? Are people actively making the situation worse with a negative attitude? What can you do in the next week to turn that ship around?

3. Get in earlier and leave a little later

Remember the zip and zeal you had for the job when you first arrived? You couldn't wait to get to your desk and dig into the work day. After a while, that get-up-and-go has got up and left, and you're probably like most other people now. The same routine. The same habits. Why not change it up and go back to the attitude you had during the first few weeks?

Get in earlier, and be the first one to make the coffee for everyone. Do the rounds and say hi to other people as they come in (it's amazing what a friendly smile can do to lift anyone's spirits). Hang out a little later than usual, and when you do leave, do so with some pep in your step. You'll be surprised at how infectious your new lease on life will be. (See also: 10 Small Gestures That Go a Long Way at Work)

4. Strive for the culture you want to have

You know that adage, "Dress for the position you want?" Well, the same applies to company culture. Rather than accepting that this is the way it is, make your actions fall in line with the culture you'd rather have.

Admittedly, it'll be baby steps at first. You can't suddenly start working from home three days a week when the policy is dead set against it. But you can make small changes that can incrementally lead to bigger ones.

For instance, some places like to get all the employees together on a Friday evening to mingle, with drinks and snacks provided. Why not ask if you can start something like that? Get people interested in providing refreshments as a group effort. Do it after everyone's work is done. This simple act of togetherness could impact the morale and thinking of the whole company.

5. Provide solutions, don't just point out problems

It's incredibly easy to voice a negative opinion about something. How many times have you seen a political party rant and rave about a policy they don't like, but come up with empty rhetoric when asked to give a real solution? As we all know, building something up is way harder than knocking it down, so don't bring a sledgehammer to the debate.

Instead, look at what you think is wrong and find ways to give solutions to the people at the top. This could be through your manager, human resources, or even a company suggestion box. Writing, "The dress code here sucks" is nowhere near as effective as writing, "Let's dress in casual clothes, but have a smart outfit on hand in case of client meetings."

6. Don't go it alone

There is strength in numbers, and that could not be more true for shifting the corporate culture. If one person comes to the boss asking for more paid sick leave, it's just one voice. If it's half the company, the boss will sit up and take notice.

Find people who believe in the same changes and improvements you do, and get organized. Make regular petitions to the boss for small but important changes that would improve the morale of the whole company. When the boss gets the chance to make everyone happy and look good, without forking over an arm and a leg, they'll do it.

7. Never make it personal

This ties in nicely with the last point, but it's worth noting that your own bugbears are not going to be a good enough reason to make any significant changes. Maybe you loved working remotely two days a week at your last job, but if this current company doesn't allow that for anyone, they're not going to make an exception just to please you. Saying, "I work better with music" is not going to fly if no one else wants to hear music all day. Instead, find a way to make your personal case one that doesn't require big changes — like, for example, asking if you can wear headphones.

8. Acknowledge any effort management makes to change

The first time you cook any kind of meal, it's not going to turn out perfect. Imagine your reaction if the person you made it for said, "This is dry, has way too much salt, and it took you hours to get it done!" Chances are, you're not cooking for that person again any time soon.

It's the same with management. They're people, not faceless entities. When they see a problem and do what they can to try and make it even a little better, let them know. Sure, the pot luck was poorly organized, few people came, and there wasn't enough time to enjoy it. Praise the positives, with suggestions on how it can be even better when they try again. Encouragement goes much further than scorn.

9. Work your magic with people who have influence

You're not the boss. You may not even speak to the boss on a weekly basis. However, you will almost certainly know someone that does, and you can use that to your advantage.

When you see them in the break room, make time to sit down and have a chat. Talk about what you would do to make things better if you had the boss's ear. Provide suggestions that this contact can use as his or her own, and in turn relay them to the decision makers. It doesn't matter who takes credit for a better culture. The reward is the culture itself — not the accolade of changing it.

10. Know why the culture changes you want are required

Some of the greatest company cultures in the world are envied by us all. However, they're not appropriate or doable for every company, and asking for something totally out of reach could sink any chances you have for small successes.

For example, Walt Disney Parks and Resorts regularly makes the list of one of the top places to work in the world. Remember though, they are in the business of happiness and fantasy, and many of their company policies are not going to go over well in a manufacturing plant or accountancy firm.

Look at your business and see what can be done to improve things for good reason. A generous vacation policy is valuable everywhere, as is an on-site gym, corporate discounts, and 401(k) matches. If you say you want all-you-can-drink soda and snacks for free, and a massive entertainment system in the break room, you better be able to back that up with more than "Because it would be cool." (See also: 5 Ways Employee Perks Are Good for Business)

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This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

6 Ways to Stay Focused in an Open Office

Rachel Slifka — Tue, 03 Jul 2018 09:00:10 +0000

Believe it or not, open office layouts were created with good intentions. The idea behind the open floor plan is to encourage collaboration and teamwork among employees, rather than having walls that literally divide people. The design also helps companies save on the amount of office space needed to accommodate everyone. Individual offices take up much more space, and therefore cost companies more money to rent and fill.

While some people love working in an open office layout, it certainly isn't a fit for everyone. Some people thrive among the constant chatter and collaboration of coworkers, while others find it distracting.

If an open office setting is preventing you from accomplishing your to-do list each day, there are ways you can make it easier on yourself. Here are six simple ways to stay focused while working in an open office.

1. Get some fresh air

When the office is full of distractions, it is sometimes best to walk away for a minute to clear your mind. The best way to do this is to step outside for some fresh air. A deep breath of nature can restore the mind from the mental fatigue of work, allowing you to return to your tasks with a fresh perspective and decreased stress.

In fact, Steve Jobs of Apple was notorious for holding walking meetings in order to spend more time outdoors. (See also: 5 Bedtime Routines of Famous Financial Gurus)

2. Invest in headphones

Noise-canceling headphones are a lifesaver when it comes to eliminating distractions. Not only do they help drown out office chatter, but they also signify to others that you're trying to work. People tend to interrupt you less if they see that you're wearing headphones and are in work mode.

Further, research conducted Cornell University in 2016 shows that "streamlined" music can help improve your focus at work, and your mood — giving you all the more reason to crank your favorite tunes. (See also: This Is the Best Music to Listen to If You Want to Be Productive)

3. Establish boundaries

Perhaps the best open office survival tip is to establish boundaries with those around you. There's no shame in letting people know how you work best. You're there to do a job, and if the open office layout is becoming a distraction, it's up to you to find a way to make it work.

Block off an hour or two a day on your calendar that is strictly dedicated to working on your own. Share your calendar with others so they know when you are or aren't available. And chances are, you aren't the only person in your office struggling with the open concept. Lead the charge by creating an office plan of how to let one another know when you're busy. Perhaps you put a do not disturb sign up while you are occupied, or you ask everyone on your team to coordinate an hour of distraction-free work. Whatever the case, find something that works for you and your coworkers.

4. Ask for emails

How can anyone get anything done when coworkers are constantly stopping by or pinging you on Slack? The truth is, it's difficult for anyone to work with constant interruptions.

Fortunately, there's another form of communication can help prevent interruptions: email. Most things aren't urgent, so it's okay to ask your coworkers to email you instead of verbally asking you, or messaging you. By requesting emails, you can respond when it works for you and better establish your priorities. Plus, you can close your email when you're working to eliminate yet another distraction. If someone really needs to speak with you, encourage them to email you and setup a time to speak later in the day. (See also: 5 Easy Ways to Declutter Your Digital Life)

5. Find an alternative workspace

Sometimes, it may be impossible to accomplish your objectives in an open office atmosphere. If this is the case, talk to your boss about finding an alternative workspace to use when you seriously need to concentrate. Whether you need a private conference room for a few hours or the chance to work from home once a week, come up with a few options to present to your manager.

If all else fails, you can always ask to move to a cubical that faces the wall. These are often less distracting since you don't see everyone in the office while you work. (See also: 14 Reasons Your Boss Should Let You Work From Home)

6. Practice tolerance

After setting some established boundaries, your coworkers should better be able to accommodate your need for privacy. However, no one is perfect. Respect and tolerance goes both ways in the workplace.

While it might not be an ideal situation for you at all times, try to see the benefit of your office layout. Understand that no matter your work setup, everyone you work with communicates differently. By practicing tolerance, you can focus your energy back onto your work.

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This article is from Rachel Slifka of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

6 Times You Should Insure Your Side Gig

Kat Tretina — Mon, 02 Jul 2018 08:30:11 +0000

About two years ago, I launched a small side hustle dog-sitting for neighbors. It was a profitable side gig that allowed me to earn extra cash in my spare time. But one of the things I hadn't prepared for when budgeting my startup costs was insurance for my business.

I quickly found out it was necessary. My good friend who had encouraged me to take up pet-sitting was watching a dog for a client. She must not have closed the dog's crate all the way, because he escaped one night and destroyed the owner's expensive silk Oriental rug. The owners took her to court, and she ended up owing them over $30,000. Because she didn't have insurance, she was on the hook for the replacement cost herself.

Unfortunately, my friend's story isn't that uncommon. Many side hustlers run businesses without insurance, leaving them at risk if there's ever an accident or error.

Whether you're a freelance graphic designer, dog-sitter, baker, ride-share driver, or housekeeper, insurance can be an essential safeguard for your business. You might think insurance is unnecessary because your gig is too small, or perhaps you work solely from home. However, mistakes and accidents happen all the time in all industries. Here are five times you need an insurance policy.

1. You have customers visit your place of business

If you have customers visit your home or store — maybe you opened a hair salon, or you run child care services out of your house — there's a chance your customer could get injured on the premises. The client could sue you for damages, leaving you on the hook for tens of thousands of dollars (if not millions!). An insurance policy can protect you from this liability.

2. You spend time in a customer's home

Maybe you're a personal assistant or you run a housekeeping business, and your client trusts you to work in their home. Even if you're careful, it's all too easy to knock over a precious heirloom or spill a drink on a designer sofa. Without insurance to cover your mistake, you might have to compensate the owner for the damage on your own.

3. You work with children or animals

Children and animals present unique challenges, because they can be unpredictable and have a knack for getting into mischief. Whether it's an incident while baby-sitting a child or dog-walking, you could be held responsible for legal or medical fees. It's important that you insure yourself to cover these bases.

4. You're trusted with sensitive or proprietary information

If you're a graphic designer, bookkeeper, or writer, you might not think you need insurance. However, your clients likely entrust you with company information that is sensitive or confidential. If your computer is stolen or you're hacked, that information could be compromised, and your clients could take legal action against you.

5. You couldn't cover the cost of legal fees and settlements

As a business owner or side hustler, there's always a chance of a vendor or client suing you for some discrepancy or issue. If you don't have enough money in the bank to cover typical legal fees or settlement costs, you likely need insurance coverage. (See also: 9 Times to Hire a Lawyer Immediately)

6. You're driving people around

Uber and Lyft offer their independent contractors supplemental insurance in addition to requiring them to have their own auto insurance policies. However, don't think that means you're completely in the clear. Often, the company-supplied insurance has strict limitations and is inadequate.

For example, if you're a driver with Uber, you have third-party liability coverage of at least $1,000,000, uninsured or underinsured motorist bodily injury coverage of at least $1,000,000, and contingent collision and comprehensive coverage with a $1,000 deductible only when you're on your way to pick up a rider and until you drop them off.

If you have the app on and are waiting for a request, your coverage becomes much more limited: $50,000 per person or $100,000 per accident for bodily injury, and $25,000 per accident for property damage (such as a damaged fence). If you wreck your car, or if you damage another vehicle, you'll likely have to handle the repairs on your own. Because you were working for a ride-sharing app at the time of the accident, your personal auto insurance policy may not cover it, either. (See also: What Kind of Auto Insurance Do Uber Drivers Need?)

The lesson here is that even if the side gig company offers some sort of supplemental insurance coverage, it's probably not comprehensive enough to cover all of your bases. It's a good idea to look for your own supplemental policy to ensure you're fully covered.

Where to find insurance

In many industries, you can get an insurance policy for under $500 per year. If you're not sure where to start, contact your personal insurance agent to see if they offer business policies. If not, you can also use InsuraMatch to find out what insurance you need and get quotes for the necessary policies.

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This article is from Kat Tretina of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

8 Networking Tips for Introverts

Paul Michael — Thu, 28 Jun 2018 09:01:10 +0000

Ask most people what an introvert is, and they'll describe someone who's shy, doesn't like being around people, and is very quiet and aloof. Well, that's not always accurate. Some introverts love social gatherings and can be very talkative. However, they tend to find the experience draining and need alone time to get their energy back.

Knowing that, networking can be a daunting and overwhelming experience for most introverts. So, whether you are shy in social situations, or just find the whole experience exhausting, here's what you can do to make networking a success. (See also: The 10 Best High Paying Jobs for Introverts)

1. Know before you go

Anyone who is shy, or has social anxiety, will find the unknown to be the most daunting part of the networking experience. Who's going to be there? What's the place like? Will there be music? Will I have to interact with a lot of people, or play those networking games?

Much of this anxiety can be reduced by researching the event before you step foot in the building. Send emails to the organizers and ask about the setup. If they have held this meeting before, see if you can find pictures and videos of it online. These days, it's easy to find a record of any kind of event like this thanks to Facebook, Instagram, and Twitter. If you do your research, you can dull that anxiety down to just some mild jitters. And once you're there, you'll be much more at ease.

2. Consider volunteering at the event

This may seem like the worst kind of advice for an introvert, but as I'm one myself, I can tell you it really works. If you volunteer to actually do something at the event — be it handing out name badges, taking coats, or helping serve food — having something specific to do stops that horrible feeling of being forced to interact with people without having a good reason.

"I can't just go up and talk to that person" becomes "I'll see if that person wants another drink, and maybe we can have a quick chat as well." Plus, if you have a job to do, it's very easy to escape the conversation you're having if it's all getting to be too much. Personally speaking, I was dreading going to San Diego Comic Con to network for my company; then they asked me to staff the booth. I was so busy handing out goodies and answering easy questions that I forgot I was networking at the same time. (See also: 9 Unexpected Benefits of Volunteering)

3. Have a prepared opener for introductions

Another way to make the event go smoothly is to know what you're going to say to people before you get face to face. The most important thing to remember with an introduction is that you are not trying to cram everything into a few opening sentences. You simply want an easy way to start the conversation without coming across as either pushy or "used car salesman." Go for something easy to remember, and universal.

Phrases like, "So, what brings you here today?" or, "How often do you come to these networking events?" are good because they're open-ended questions (asking a question with a yes or no answer can be a conversation killer) and they also put the focus on the other person. Let them talk about themselves for a while. Of course, if you're asked the same kind of question, be prepared with a brief sales pitch.

4. Practice your sales pitch

You've been asked the question you were going to ask: "So, what brings you here today?" The last thing you want to do is freeze like a deer in the headlights, or stumble over something that leaves a tepid first impression. You need something short and snappy that gets across who you are, what you do, and most importantly, why you do it.

It should not feel over-rehearsed and robotic. It should not be full of industry jargon, or go on and on about aspects of your industry that only the most die-hard professionals will love. Go for a 20 to 30 second explanation, checking off the most important and memorable aspects of you and your business. Give the other person some meaty facts that they can respond to. Then, practice this with friends and co-workers. Practice a lot. You will want this to feel natural. (See also: 5 Reasons Everybody Needs an Elevator Pitch — Even You!)

5. Bring some moral support

Often the reason networking events can be so off-putting is knowing that you will have to spend hours talking to strangers. You can almost eliminate that part of the challenge by bringing along a friend, relative, or co-worker you trust, and most importantly, with whom you have a great relationship. They will be your emotional crutch for the event, as long as you tell them beforehand that you're relying on them for that. You don't want them wandering off after 10 minutes while you're stuck in a crowd.

Your partner in crime can be there to help you field difficult questions, and if they're more of a people person, they can even introduce you and do some bragging on your behalf. Talking about yourself like you're awesome can sound egotistic. But when someone else does it, you're a star.

6. A few conversation-starter props can help

If you're one of those people that has trouble keeping the conversation going, why not bring a few props that you can bring out when you start having trouble? A fun business card is perhaps the easiest and most convenient one to bring along. I, myself, have used cards printed on wood, cards that expand to 10 times their original size, and even one that had a joke embedded in a sound chip.

7. Arrange small one-on-one meetings

If you are not good in crowds, avoid them. Sure, there are plenty of big events and meetings around, but you can also arrange to meet people one-on-one for coffee or lunch. Seek out people you want to meet with in online forums and through LinkedIn, which has become one of the best ways for anyone to find and engage with new contacts. Get the conversation started online, then ask to take it into the real world with a meeting. This is also great for easing tensions because you already know a little about each other, and know that you are both interested in talking further. (See also: 7 Social Situations All Introverts Fear)

8. Avoid meeting in person altogether

If all else fails to work for you, you can avoid in-person meetings completely. This isn't ideal — you eventually need to get your face out there and shake hands with people that can help your career. But if you just can't do that right now, use technology to help you out.

There are instant messengers and emails. You can also try a few webinars that allow you to chime in without actually being in the room. You can use Skype and video conferencing to connect with people in your city, or halfway around the world. And guess what? Your smartphone actually allows you to call someone. To be fair, I hate talking on the phone these days as much as everyone else — however, if it saves you from an in-person meeting, especially with a big crowd, it's definitely the lesser of two evils.

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This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Survive and Thrive as a Young Boss

Kentin Waits — Wed, 27 Jun 2018 09:00:10 +0000

I work in the world of digital marketing — a decidedly youth-obsessed field where being in your 20s is considered a tactical advantage (for me, an advantage that expired about two decades ago). But the blush of youth isn't always so welcome, especially if you're gunning for a manager's position and the corner office.

Some fields are filled with traditionalists who may only see you as a pair of skinny jeans with a fast metabolism and good hair. But fear not! Here's how to overcome the skeptics and thrive as a young boss.

Learn the ropes

Every workplace is unique and every job is different. Take time to learn about the processes and expectations of your new position or new employer. That means showing interest, engaging with staff, and demonstrating a willingness to absorb information before making any big changes. (See also: 6 Simple Ways to Make a Fantastic First Impression)

Own your knowledge

The best way to thrive as a young boss is to own your knowledge and stop apologizing for it. Realize that very few companies give promotions by accident or hire without reason. Strike a balance between healthy self-confidence and a level of modesty that keeps you accessible, open to new ideas, and willing to work hand-in-hand with your team.

Be conscious of subtle ways you may be contributing to negative perceptions about your age. Uptalking is one of the most pervasive. Uptalk or upspeak is the tendency to end declarative statements with a slight vocal lift (which makes statements sound like questions). This linguistic habit suggests you're unsure of what you've said and are looking for approval.

Exercise diplomacy

Diplomacy is a valuable skill for any employee in any job, but for young bosses, it's absolutely essential. Realize that many of your co-workers were likely vying for the very position you now hold. Tread lightly while the dust settles. Pay attention to office politics (they're an inevitable part of every work environment) and be transparent as you build your team and work to make your mark as a manager. (See also: 15 Soft Skills Every Employer Values)

Focus your energy

Young bosses are anxious to prove themselves, but there's risk in taking on too much too soon. Your eagerness may be interpreted as insecurity, as one-upmanship, or as blatant brown-nosing. Even worse, overextending yourself can lead to costly mistakes or early burnout — both bad ways to earn respect. Focus your energy and talents on those duties you were hired to perform. (See also: 10 Tricks to Avoid Workout Burnout)

Delegate wisely

Now that you're focused on the most crucial parts of your job, delegate other duties strategically. But choose your resources carefully. Match the task to the talents of the individual and set clear expectations about timing and results. Remember, delegating not only helps you, it allows those around you to develop new skills and demonstrate professional growth. (See also: How to Delegate at Work and at Home in 4 Easy Steps)

Nurture careers

It's one of the most profound duties of being a good boss: supporting the career growth of the people you manage. Though you may still be trying to sort out your own professional path, don't forget about your employees. Find the strengths in each of your team members and help them use those strengths to take their next career steps. When people see you're genuinely committed to career development, they'll have a whole new level of respect for you. (See also: How to Be Successful as a First-Time Manager)

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This article is from Kentin Waits of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

7 Underrated Skills That Will Help You in Any Job

Kentin Waits — Tue, 19 Jun 2018 08:30:25 +0000

When it comes to employment, degrees, training, and experience matter. Still, not everything employees have to offer was learned behind a desk. There are soft skills and subtle personality traits that can enrich and transform any workplace — from a basement bike shop, to a billion-dollar investment firm. Though they're tough to list on a resume, here are seven underrated skills that will help you no matter what your job. (See also: 15 Soft Skills Every Employer Values)

1. Empathy

It's a fact we sometimes forget: The world of work is populated by humans. Sure, we all strive to appear cool and collected, but sometimes the veneer cracks. People who are able to listen, understand, and offer empathy bring real value to the workplace. These folks tend to be expert communicators (especially across cultural barriers). When managing people, they often develop a loyal following that improves teamwork and productivity. (See also: This One Skill Can Make You a Better Boss)

2. Patience

In our competitive culture, aggression is usually considered an indispensable business skill. But there's something to be said for those of us who don't live on hyper-drive. Patience gives us room to weigh options, consider outcomes, and develop strategies that are based on real information instead of reflex. For managers, patience helps build a healthy team atmosphere and nurture employee talent.

3. Eloquence

Eloquence is the art of expressing thoughts and ideas clearly. Beyond demonstrating intelligence and insight, it's an essential part of tact and diplomacy. Knowing what to say and how to say it can help you navigate the choppy waters of office politics, avoid unnecessary conflict, and calm irate customers. (See also: 25 Ways to Communicate Better Today)

4. Curiosity

Why is curiosity so powerful? Because it's only satisfied by acquiring more knowledge. Curiosity keeps us asking "Why?" and inspires us to look for smarter solutions to everyday problems. Curious employees are more inclined to take initiative, seek out additional training, and pursue professional development opportunities.

5. Creativity

Creativity makes innovation possible. In every job, creative thinking can help you spot (and correct) inefficiencies, develop smarter (and cheaper) processes, and design new products and services that improve lives. That's not just a soft-skill; it's a hard asset that every employer is hungry for. (See also: Boost Your Creativity: 9 Surprising Ways to Generate New Ideas)

6. Adaptability

No matter what your career path, one thing is certain: The road won't always be smooth. Companies reorganize, technologies change, and old industries are constantly disrupted. Embrace the chaos. Being adaptable helps you survive — and sometimes even thrive — in this new reality.

7. Good etiquette

In the nation that invented informality, good manners get noticed. Making proper introductions, practicing basic dining etiquette, ensuring that every email contains a salutation and a closing, and silencing electronic devices during meetings — these small overtures demonstrate a level of professional refinement that can win over new clients and advance your career.

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This article is from Kentin Waits of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

10 Ways to Smooth Over a Work Disagreement

Paul Michael — Wed, 06 Jun 2018 09:00:17 +0000

Conflicts in the workplace are tough. They can lead to a very stressful work environment, a lot of sleepless nights, and some people even quit their jobs over the issue. But if you approach the disagreement calmly, it should not be something that ever gets you to the point of quitting or taking time off. You can get past this. Here's how.

1. Give each other time to calm down

Nothing good ever comes from a conversation that happens in the heat of the moment. Tempers are flared, egos are bruised, and both of you may say things you later regret (or that could impact your position at the company).

Whatever the situation, agree to take a time out from each other for at least 24 hours so that you can sleep on the issue and perhaps talk to someone about it. You will both come back to the table a lot calmer, perhaps with some insights into how and why the disagreement happened in the first place, and what you can do to smooth things over and get back to work. (See also: 5 Times You Should Avoid Confronting a Co-Worker)

2. Look at the issue from their perspective

It's easy to get self-centered when you have a disagreement. You know you're not the one at fault, and you sure aren't about to change your mind. But putting yourself in the shoes of the other person can be tremendously helpful, especially if you're convinced that this is all on them.

Advertising legend Bill Bernbach used to carry around a small piece of paper in his pocket. On it were three words: "Maybe he's right." Maybe you did something that led to choppy waters. Even if you didn't, what is the other person going through right now? Is there trouble at home? Did they get handed a lot of responsibility in a short amount of time? Are they in fear of losing their job? By switching roles in the disagreement, you will have a better understanding of it. And hopefully, the other person is doing the exact same thing.

3. Don't play the blame game

Finger-pointing is for the playground. In a professional working environment, trying to throw all of the blame onto someone else is not going to go over well. For a start, even if it really is all on the other person, you're going to be perceived by others as unreasonable. What's more, coming to an accord is going to be almost impossible if you don't bring some kind of concession to the table.

Imagine for a second that this happened because of a mistake you made. If the conversation starts with, "This is all your fault and you know it," how open will you feel to talking this through? Put aside the blame, and instead focus on the issue at hand, rather than the person who started it. What's the problem, how do you solve it, and how do you do it in a way that both parties can agree upon? Any meeting of the minds that starts with a pointed finger is not going to end well.

4. Stay focused on the issue

It happens in disagreements at home all the time, and it's not helpful. You start off arguing about one thing, and before you know it, you've lost your temper and it's become a character assassination. Don't let this happen at work.

If the other person is constantly late, and it impacts your projects, find out why. Saying, "You're late because you're disorganized and lazy" is an attack that leads to greater conflict. Instead, talk calmly about the situation and offer advice that could help. Maybe it's simply a case of downloading a few organization apps that can keep that person on schedule. If the other person keeps making mistakes, look at the cause. Are they stressed about something? Were they never shown the correct procedure? Was their training rushed, or was it given by someone who made the very same mistakes? Stay laser-focused on the issue, and a resolution will be reached much more quickly.

5. Don't ignore it and hope it will go away

It won't. Well, not unless that person is fired or has a life-changing epiphany. By ignoring it, you're both letting it fester. The issue will always be there, like an inactive volcano, and all it takes is one push to make it explode. You can paint on a smile, you can pretend everything is peachy, but you'll both eventually combust.

It's far better to get everything out in the open as soon as you can, talk about it, and find a solution. It's more difficult to tackle it than it is to ignore it, but the outcome is way better for everyone involved. You may even find that after the issue is resolved, you become good friends.

6. Establish ground rules for a conversation

There should be rules you both agree on before talking it out, and they can be very helpful in alleviating some natural tensions. For starters, you should both agree not to attack the other person's character. You may want to have a rule that allows either person to step away for a few minutes if things get heated or they're having a hard time concentrating. Perhaps you want a third party there to take notes and keep everyone honest. As long as you both agree on these rules before you begin, you should make significant progress.

When you're done, agree to shake hands, put the incident behind you, and focus on the future. This is not something anyone wants shoved back in their face the second some other disagreement happens.

7. Don't go negative

If you've ever had a disagreement with a romantic partner, you know how quickly it can derail when things turn negative. You go from talking, to screaming, to not speaking to each other at all. And after a period of not talking, it can take longer to recover from that argument than the issue it was actually about.

The same applies to a workplace disagreement. Do not go into the negative aspects of the issue. Avoid hostility, bitterness, and resentment. If your co-worker starts wandering into that territory, be the bigger person and steer them back to positive ground. Remember, you're both working for the same company, and you should both want each other to do well. When you're successful at your roles, the company benefits and everyone's a winner. So, stay positive. If you have things to say that may sound negative, how can you frame them in a better way? What good can come of this? What can you both learn?

8. Help the other party offer up a reasonable solution

This works well with most disagreements. If you come to the table with a solution already figured out, the other person will feel like you've bulldozed over them. Why should they take the solution you've offered? Does it benefit you more than them?

Instead, after you have both talked about the disagreement, ask them to consider what could be done to make the situation better for both of you, and maybe hint at solutions. For example, if they have been playing their music excessively loud, you could mention that the company pays for certain accessories that are helpful to create a harmonious working environment. That may be all the other person needs to suggest that he or she wears headphones. And if the company doesn't pay, why not offer to go halves, or pay yourself? If it leads to a happier life for you, it's money well spent. (See also: 12 Ways You're Driving Your Co-workers Insane)

9. Find a mediator

If the situation warrants it, and things have devolved into a situation that is unproductive, consider bringing in a mediator to help with the dispute. It could be another person from your department, a manager, or maybe just someone in the company who is known to be a people person. Don't bring in someone from human resources unless you want to make this official (more on that in a moment), and don't ask someone clearly biased to one of you.

Explain the situation to the mediator, and have the other person do the same. You are both going to have your own version of the story — if the mediator only hears one side of it, this will not work. Sit down and discuss things rationally. The mediator can help you both avoid going into a negative place, and can also explain things to each of you that may not come across the right way from either party, for obvious reasons.

10. Take it to human resources

As a last resort, and if you have tried all other avenues, you should both raise the issue with your human resources department (if you have one). When HR gets involved, you are shedding light on an issue that could have serious implications for both parties, so make sure you know what you're getting into.

You both may have to take some conflict resolution classes, and it's possible the incident could go into your employee record. That in turn could impact raises, bonuses, and other work-related benefits if it is seen that you cannot work out a disagreement amiably with each other. Human resources will keep the peace, but remember HR is there first and foremost to protect the company, not the employees. Everything will be put in writing, and if this is very serious, such as a disagreement based on race, age, gender, harassment, whistle-blowing, or favoritism, HR has the power to take action that could lead to dismissal and even criminal charges.

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This article is from Paul Michael of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

How to Prepare When Your Unemployment Is Ending

Denise Hill — Mon, 21 May 2018 08:31:21 +0000

Losing a job can be devastating. It can throw your life into a tailspin and severely delay or even kill your progress and plans for the future. Once you receive a little help through unemployment compensation, you may find yourself right back where you started when the benefit ends.

You may have been blindsided when you first lost your job, but losing unemployment before you've found a replacement job can also be a sucker-punch. As difficult as it all is, you still have to will yourself into being proactive. Here are a few things you should do to prepare for the end of unemployment compensation.

Begin with the end in mind

The best thing to do immediately after you receive your first unemployment check is to plan on not receiving it. It is a great aid that can help keep you afloat until you find work. But, you must keep the fact that it is only temporary in the forefront of your mind. During normal economic times, unemployment lasts 26 weeks, or six months. (See also: How Long Can You Really Live on Unemployment?)

Reduce your spending and live off as little as possible. And do your best not to depend on the benefit. The benefit itself makes this easier because it usually isn't enough to cover all of your living expenses. It is only assistance — similar to someone helping you up when you trip and fall. They help you to your feet. They don't carry you.

You have to find a way to cover the shortfall and generate your own income as quickly as possible. Put yourself on a shoestring budget. Establish spending and payment priorities, because some things may have to go unpaid. Call your creditors now and alert them to the situation and try to maintain a good relationship with them throughout the process. Downsize. Sell stuff. Get a side gig and do odd jobs. Unemployment can temporarily stop or at least slow the bleeding, but remember — it's only temporary. (See also: 5 Budget Overhaul Tricks for the Recently Unemployed)

Make getting a job your top priority

Job loss is so devastating because it is a loss — economically and emotionally. Dealing with the hurt, betrayal, and disappointment is a massive task by itself. Add to that coping with money issues and the instability it causes, and you've got a deep hole to climb out of. This can make looking for another job seem like a herculean effort. Try and view your unemployment compensation as a safety net and springboard. It helps ease the financial burden and it should propel you to action.

As the six-month period begins winding down, try adjusting your employment search to include jobs you wouldn't normally consider. Think outside the box. You may even have to get two jobs temporarily to help stay afloat. The closer you get to the benefit expiration date, the less picky you should become. Get training, attend job fairs, and leverage your networks and professional relationships to assist you during your hunt. You have to be aggressive, persistent, and diligent. (See also: 7 Networking Tips for the Recently Unemployed)

Get help

Federal and state-funded assistance programs are available specifically to help you through this period. Sadly, these programs' processes can be slow, bureaucratic, and inefficient, which is why it is imperative that you start the process ASAP. Benefits and programs vary by location, so be sure to check with your state's local agencies to understand requirements and procedures.

Supplemental Nutrition Assistance Program (SNAP)

Formerly known as the Food Stamp Program, SNAP provides food purchasing assistance to families in need. The amount you receive is based on your household size, income, and expenses. If you qualify, this could be a great way of ensuring your family is fed. It can also free up some cash enabling you to repurpose the grocery money and use it for another need. The benefit can be used at a host of traditional grocery stores, convenience stores, and even at your local farmers market.

Self-Employment Assistance Program (SEAP)

Have you ever heard the saying, "If you can't find a job, create one?" That's exactly what SEAP is designed to help you do. SEAP is a state-funded grant program specifically designed to train individuals receiving unemployment the basics of launching their own small business. And the best part about this program is that in most states, participants are not required to look for a job. The training program is your employment seeking activity. To find out if you qualify, check with your local unemployment office.

Housing assistance

If you foresee yourself struggling to pay rent or your mortgage, help is available. The Department of Housing and Urban Development (HUD) offers a number of rental assistance programs including the Housing Choice Voucher Program. This voucher program provides assistance by paying all or a portion of your rent, if you qualify. Most states also have some sort of Emergency Rental Assistance Program which provides short-term, income-based assistance. And the federal government offers assistance to those in rural areas through its Rural Rental Assistance Program.

If you are struggling to make mortgage payments, the Federal Trade Commission offers protection for distressed homeowners from predatory and unscrupulous lending practices. There are a lot of private and nonprofit agencies that can help you refinance, negotiate a short sale, and/or keep your home if you fall behind. The key is to do your research. Understand what you are signing. And don't make decisions out of fear or under pressure. You have options. Breathe, consult an objective expert, and move forward with what works best for your situation.

Nonprofit and social service agencies

Every state has a different suite of services and resource offerings for those in need. Finding those resources can be difficult — especially when you don't know where to look. 211.org was established to address this need. It is a repository of information containing resource offerings for every state and parts of Canada. It is a free service that can help you find federal, state, local, nonprofit, and (small) fee-for-service assistance. It doesn't matter if you get help from family and friends, your church, or a federal or state source, as long as you get help.

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This article is from Denise Hill of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread:

3 Online Businesses You Can Launch In No Time

Nick Wharton — Wed, 09 May 2018 08:30:20 +0000

The opportunities for making money online are endless in this digital age. I'm not talking about creating the next Google or Facebook, and I'm definitely not suggesting that there are any get rich quick schemes that will land you thousands for just a few hours of work. But there are plenty of full-time businesses, as well as lucrative side hustles, that can be set up relatively quickly with little to no upfront investment.

It takes a lot of hard work and dedication to get a business off the ground. There are lots of things to consider before even launching, such as what the business will provide, who the customers will be, what your pricing structure is, and what you're going to call it.

Stuck for ideas? These business ideas will enable you to get set up and ready to go in 24 hours or so. Here are three online businesses you can jump-start in no time. (See also: 11 Ways Anyone Can Make Money Online)

Virtual assistant

The role of the virtual assistant is completely open-ended, and the tasks can vary wildly depending on whom you're assisting. Assignments could be anything from replying to emails and updating social media, to editing spreadsheets and coordinating your client's schedule. If you're organized and are happy taking on smaller tasks for other people, then you can make money from anywhere in the world by being a virtual assistant.

Timothy Ferriss's The Four-Hour Work Week helped to create an emerging market for virtual assistants with individuals and small companies looking to outsource the menial tasks that take up the majority of their time. This allows them to focus on growing their businesses. Once you've decided on the skillset you're going to offer, there are several ways of kick-starting your new business online.

You can apply for a job with a virtual assistant agency and once you're hired, you'll already have a client or list of clients waiting to be connected with an assistant. This is how many VAs start, but you may also find jobs through word of mouth or from former employers. Social media is a free and easy way to advertise your services, too, and just a few posts to your professional profiles, particularly LinkedIn, can get the ball rolling. (See also: How to Find a Legit Virtual Assistant Job)

Social media manager

Social media management has become so crucial to the success of businesses that for most companies, it pays to have someone in charge of their accounts who really understands the ins and outs of all the social media platforms. Though most people have personal accounts on at least a couple of the big platforms, social media for businesses is an entirely different animal. That said, in order to prove you have what it takes to help a business with their accounts, you'll undoubtedly need to have built a significant presence of your own online.

Social media management involves building thriving communities for your clients, which ultimately generates extra revenue for them. It can involve writing and scheduling engaging content, running advertising campaigns, and replying to queries or complaints. You're probably also going to be in charge of a budget dedicated to social media growth, and therefore should know how best to spend it for the highest returns.

Similarly to virtual assistant positions, there are online agencies where you can find social media management jobs. However, once you have some experience under your belt, it may be worth pitching clients directly. Though it can be scary at first, it's an invaluable skill to learn and gives you much greater control over your rates and schedule. It's easy to assess whether you think you can help a client by simply looking at their social media content and engagement. Then you can put a plan together for how you will quickly improve it. (See also: 6 Ways to Make Extra Money Using Social Media)

Online tutor

If you enjoy teaching and have in-depth knowledge of a particular subject, then online tutoring could be a reliable moneymaker for you. Where previously, tutoring was all done face-to-face and relied on finding students in your local area, the internet has made it global. Thanks to video calls and online teaching programs, you can tutor anyone anywhere in the world, from anywhere in the world, with just a laptop and a decent internet connection.

Languages are a fantastic starting place, as you don't necessarily need qualifications. Often, you don’t even need to speak the student’s native tongue, as you’re encouraged to teach only in the language being learned.

But tutoring is not limited to language instruction. The most open sector in tutoring is for school-aged children, and math and science tend to be subjects that children require help with. Around exam times when many parents want to give their kids a boost, tutors can be extremely busy, and you can adjust your rates accordingly to meet that demand.

More often than not, tutoring positions are relatively short-term, so you'll likely have to continually be looking for new gigs. There are many online platforms that connect tutors to students, such as Tutor.com and Chegg.com. Apply online and set up a profile to begin finding jobs. You can also market yourself online using social media platforms, free classified ads on sites like Craigslist, online teaching directories, and even your own website or blog. Once you've successfully tutored some students, the best way to get new business is to ask for referrals, as it's likely that they know other people looking for similar help. (See also: How to Earn $1,000 a Month or More as an Online Tutor)

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This article is from Nick Wharton of Wise Bread, an award-winning personal finance and credit card comparison website. Read more great articles from Wise Bread: