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	<title>Financial Culture &#187; Employment</title>
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	<link>http://www.financialculture.com</link>
	<description>Financial Culture</description>
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		<title>How to Write an Email While Sending Resume?</title>
		<link>http://www.financialculture.com/how-to-write-an-email-while-sending-resume/</link>
		<comments>http://www.financialculture.com/how-to-write-an-email-while-sending-resume/#comments</comments>
		<pubDate>Mon, 05 Dec 2011 12:03:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[how to write email when emailing resume]]></category>
		<category><![CDATA[tips to write an email when applying for a job]]></category>
		<category><![CDATA[what to write in the body of an email when sending resume]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=1941</guid>
		<description><![CDATA[Nowadays, most job applicants prefer sending their resumes by email in the form of an attachment. While sending resumes through email the job seeker must make sure that the body of the email is written in a certain way and includes some specific information. This article will inform you how to write an email while [...]]]></description>
			<content:encoded><![CDATA[<p>Nowadays, most job applicants prefer sending their resumes by email in the form of an attachment. While sending resumes through email the job seeker must make sure that the body of the email is written in a certain way and includes some specific information. This article will inform you how to write an email while sending your resume.</p>
<ol>
<li style="padding-bottom: 15px;">The resume document m<img class="alignright size-full wp-image-1942" style="padding: 3px;" title="How to write an email when sending a resume" src="http://www.financialculture.com/wp-content/uploads/2011/12/How-to-write-an-email-when-sending-a-resume.jpg" alt="How to write an email when sending a resume" width="253" height="213" />ust be named after your name. You can also include the position you are applying for while naming the resume document. For instance if your name is Michael Smith and you are applying for the position of a computer analyst, you can name the resume document as ‘Resume of Michael Smith (computer analyst)’. Mentioning the position you are applying is optional; you can also name the document as: Resume of Michael Smith.</li>
<li style="padding-bottom: 15px;">The next most important thing is the subject line. While sending an email to your friend or a relative, you can omit the subject line, but while mailing an employer as a job applicant you must always include a relevant subject line. The subject line must inform the employer about the post for which you are submitting the application. For instance, if you are applying for the position of a HR manager; the email’s subject line should be: ‘Application for the Position of HR Manger’.</li>
<li style="padding-bottom: 15px;">The job seeker’s <a title="Resume Is Important But Brush Up Your Soft Skills For A Job!" href="http://www.financialculture.com/tips-for-job-interviews/">resume</a> must always be accompanied by a cover letter. The body of the email should carry the cover letter. You should not send the cover letter as an attachment and just write a note in the body of the email saying ‘find the attached documents’. The cover letter must have a detailed narrative explaining the reason for which you are interested in getting the job, things that you are going to offer as an employee and your qualifications.</li>
<li style="padding-bottom: 15px;">Finally, the language of the resume and the cover letter must be simple and correct. Don’t try to reveal you vocabulary skills while applying for a job. Instead be grammatically correct and natural.</li>
</ol>
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		<title>Hottest Jobs in the Green Sector</title>
		<link>http://www.financialculture.com/hottest-jobs-in-the-green-sector/</link>
		<comments>http://www.financialculture.com/hottest-jobs-in-the-green-sector/#comments</comments>
		<pubDate>Mon, 22 Aug 2011 05:30:19 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[education for green jobs]]></category>
		<category><![CDATA[green jobs]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=1851</guid>
		<description><![CDATA[As we start focusing more and more on the benefits of green energy and technology, there are a great number of jobs being created in the process. There are plenty of jobs available in the sector, and as long as you have decent qualifications, you will have no difficulties. Only about 22 pc of green [...]]]></description>
			<content:encoded><![CDATA[<p>As we start focusing more and more on the benefits of green energy and technology, there are a great number of <a title="Things to Know Before Switching Jobs" href="http://www.financialculture.com/things-to-know-before-switching-jobs/">jobs</a> being created in the process. There are plenty of jobs available in the sector, and as long as you have decent qualifications, you will have no difficulties. Only about 22 pc of <strong>green sector jobs</strong> require a graduation degree.</p>
<h5>Solar Power Contractor</h5>
<p>Solar Power is increasingly being turned to both for commercial and for reside<img class="alignright size-full wp-image-1852" style="padding: 3px;" title="Jobs in the green sector" src="http://www.financialculture.com/wp-content/uploads/2011/08/Green-sector-jobs.jpg" alt="Jobs in the green sector" width="279" height="184" />ntial projects. There are a number of states such as Florida and New Jersey that offer rebates and incentives for choosing solar energy. Being a solar power contractor could work, since more and more homes and businesses keep installing them.</p>
<h5>Wind Turbine Installer . . .</h5>
<p>A rising percentage of the total power is being generated by the collection of wind turbine farms in California and Pacific Northwest. There will thus be a good deal of demand for professionals with knowledge and experience of wind turbine. As a new field, the potential for growth and advancement is excellent. Get into the business now!</p>
<h5>LEED Certified Engineer . . .</h5>
<p>LEED or Leadership in Energy and Environmental Design is a certification for buildings, homes and spaces designed in an environmental friendly way. Since we are moving to a period of more awareness environmentally, the demand for professionals skilled in making LEED certified buildings will only increase. There have been more than seven thousand buildings all over the world that have the certification. The know how will be a definite advantage.</p>
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		<title>Bag jobs even during tough economic times</title>
		<link>http://www.financialculture.com/bag-jobs-even-during-tough-economic-times/</link>
		<comments>http://www.financialculture.com/bag-jobs-even-during-tough-economic-times/#comments</comments>
		<pubDate>Thu, 27 Jan 2011 09:10:13 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[bad job market]]></category>
		<category><![CDATA[effective job search strategies]]></category>
		<category><![CDATA[job search techniques]]></category>
		<category><![CDATA[strategies for job search]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=1545</guid>
		<description><![CDATA[The status of a country’s economy is an indicator of almost all the markets within the boundaries of that particular nation. Obviously, job market is also included in the list of markets that are affected by the economy. And when the economy is in a downward trend the condition in job market becomes piteous. The [...]]]></description>
			<content:encoded><![CDATA[<p>The status of a country’s economy is an indicator of almost all the markets within the boundaries of that particular nation. Obviously, job market is also included in the list of markets that are affected by the economy. And when the economy is in a downward trend the condition in job market becomes piteous. The downsizing of the economy insists the companies to cut their costs and companies pull axes to start cost-cutting with the first blow on the manpower. It results in massive unemployment and job market shows no hope for job seekers.</p>
<p>Now, if someone says that such a job market situation can also fetch jobs, then that will never be acceptable. And you will probably take it as a shoddy joke. But there are several time tested strategies that shows desirable results in job search, even during hard economic times.</p>
<p><img class="alignright size-medium wp-image-1546" style="padding: 3px;" title="Job search strategies" src="http://www.financialculture.com/wp-content/uploads/2011/01/Job-search-strategies-300x205.jpg" alt="" width="282" height="195" />Several strategies can be adopted to make more <a title="Things to Know Before Switching Jobs" href="http://www.financialculture.com/things-to-know-before-switching-jobs/">jobs</a> available for a job seeker. One of the most significant and highly productive strategies is improving your knowledge and enhancing you skills. During the economic crisis companies look for efficient employees who will take negligible time to settle into a new atmosphere and his/her productivity will also be high. Companies during such hard time give less importance to fresher. Hence, following the advices of a career guide to improve your personality and skills will be helpful to secure a good paying job.</p>
<p>An alternative of the above strategy will be to seek help from a vocation professional. Vocation professionals offer a wide array of services like making CV, providing job coaching, useful exams all of which will improve your chances to fetch a job. There are additional services like social networking, writing cover letters that can attract companies and advising on career research techniques which are offered by vocation professionals.</p>
<p>One of the most important tools to hunt down a job is your CV. And during the time of economic slump job seeker must pay special attention to their CVs and design a quality resume. A resume must be made by doing a extensive research on the keywords. Of a resume doesn’t contain the exact keywords that are required to get a specific job, then surely that resume will be undetected by the filtering system of job portals. So to make the chances of getting a good job, a resume should be made intelligently. Resume services are quite helpful in this regard.</p>
<p>Once these strategies fetches you an interview, your appearance, confidence and smart body language will make an impression on the employer.</p>
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		<title>Playing ball with Wall Street</title>
		<link>http://www.financialculture.com/playing-ball-with-wall-street/</link>
		<comments>http://www.financialculture.com/playing-ball-with-wall-street/#comments</comments>
		<pubDate>Fri, 01 Oct 2010 05:05:29 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Business]]></category>
		<category><![CDATA[Employment]]></category>
		<category><![CDATA[wall street employment]]></category>
		<category><![CDATA[wall street firms]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=1052</guid>
		<description><![CDATA[For most of these college graduate’s, the dream was to play in college football’s national championship, and from there perhaps on to the big leagues as a professional. But there is an altogether different pot of gold waiting for these aspiring sportsmen at the end of the rainbow; a nice, fat six figure salary with [...]]]></description>
			<content:encoded><![CDATA[<p>For most of these college graduate’s, the dream was to play in college football’s national championship, and from there perhaps on to the big leagues as a professional. But there is an altogether different pot of gold waiting for these aspiring sportsmen at the end of the rainbow; a nice, fat six figure salary with a Wall Street firm just as soon as they graduate. Many college-going football players are finding that the bonds that tie their team together are also the bonds that can be used to leverage contacts within financial firms to land jobs and internships.</p>
<p>Most of these jobs are the kind that the very top percentile of applicants work hard towards and it is a terrific opportunity for these young adults to make a breakthrough onto Wall Street. And the benefits of having influential Wall Street ties on the athletic board has a ripple effect for these Ivy League schools; they in turn can attract the best talent to their college since these alumni can help prospective job seekers get the kind of jobs and internships that many would give their right arm to have right now.</p>
<p>These summer internships are often offered to Ivy League athletes by executives involved the sports program of the school in question. Others resort to sounding out alumni for references or to simply try and understand what a company <img class="alignleft size-medium wp-image-1054" style="padding: 3px;" title="wall street firms" src="http://www.financialculture.com/wp-content/uploads/2010/09/wall-street-firms-300x224.jpg" alt="wall street firms" width="300" height="224" />needs. Dozens of school-going athletes will get their jobs eventually with a financial firm, an unlikely marriage that few might see as a perfect fit. Schools such as Duke, Notre Dame and Northwestern already have such industry interfaces setup and are making full use of it all.</p>
<p>And that’s not all; these alumni help the student athletes develop the kind of skills that will be central to obtaining an internship with these Wall Street firms and subsequently, with some luck, a job as well that would be the envy of most. Even such institutions as New York based Columbia University are not immune to this need to leverage networks. They even have a full-time Director of Career Development for athletics. That tells you perhaps how big a deal this is. Etiquette dinners are held where student athletes are educated in the subtleties of making small talk in the midst of a formal dinner. This director, Kimberley Curry, is a liaison between the industry and the college and helps students get placed by constantly working with them. Most of these Ivy League students will not make it to NFL rosters and it is their futures that these schools are safeguarding.</p>
<p>As these alumni networks start to work more closely with their alma mater, these student athletes are benefiting most from it, but these schools are quick to dismiss anyone being given a free ride; the students have to earn their internships and jobs just as anyone else might. The message is clear, in sports and in life you get your breaks but it’s up to the individual to then deliver.</p>
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		<title>The walking jobless</title>
		<link>http://www.financialculture.com/the-walking-jobless/</link>
		<comments>http://www.financialculture.com/the-walking-jobless/#comments</comments>
		<pubDate>Wed, 08 Sep 2010 05:41:27 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[jobless Americans]]></category>
		<category><![CDATA[unemployment facts in the US]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=1013</guid>
		<description><![CDATA[There is a great depression hanging in the air like the sword of Damocles, and it is one that cuts sharp for those that are among the teeming unemployed of America. The bad news however is that this is set to worsen. The Labor department was the harbinger of bad news when they announced, quite [...]]]></description>
			<content:encoded><![CDATA[<p>There is a great depression hanging in the air like the sword of Damocles, and it is one that cuts sharp for those that are among the teeming unemployed of America. The bad news however is that this is set to worsen. The Labor department was the harbinger of bad news when they announced, quite somberly, that only 67,000 jobs had been created in the month of August. If you think that’s bad, compare that to the July figures of 107,000 before making a judgment. A large part of that had to do with the fact that the government laid off temporary Census workers during this period, and on the whole the economy lost some 54,000 jobs. On average, there is a need for some 125,000 new jobs created per month in order to keep pace with the population growth rate and the potential workforce that keeps on looking for jobs each month.</p>
<p><img class="alignleft size-medium wp-image-1014" style="padding: 3px;" title="jobless in USA" src="http://www.financialculture.com/wp-content/uploads/2010/09/jobless-in-USA-240x300.jpg" alt="jobless in USA" width="199" height="249" />It’s a case then of contracting demand on the part of employers having to turn away a surfeit of supply on the part of job seekers. The number of job seekers has grown constantly each year since the advent of 2008. In the wake of the great <a title="Recession Is Fading- Is It Right Time To Ask For A Pay Hike?" href="http://www.financialculture.com/recession-is-fading-is-it-right-time-to-ask-for-a-pay-hike/">recession</a> of our times, some 22 million Americans are now out of a job, and that’s before you even begin to figure in the 3 million people working part-time that would rather want a full-time job. That totals up to a quarter of a hundred million people that are either unemployed or not fully employed. This ends up creating a snowball effect on the economy that is negative as multipliers go. Families haven’t got the money to pay their bills or mortgages, they end up being chased by lenders and their bills continue to be unresolved. Nobody spends anything more than on what they need as essentials and the economy slows down on the whole. Sounds familiar? Well, it should. All of that means businesses can’t justify adding on workers and instead lays off workers, leading us to our core topic of unemployment.</p>
<p>The last big recession was seen in the 1930’s and that period needed a series of giant corrective measures that stretched through the 1930’s and 1940’s to reverse a worrying trend not entirely dissimilar to the current one. The ideas are there, and history has given us the template to work through things, it’s just that there seems to be a lack of political willpower to pull through and get the job done. The administrative system is like a deer in the headlights, paralysed by the enormity of the situation on hand. The time for bold action is here and now, not for demagoguery and passing the buck because if we don’t do anything this situation will get far worse in the years to come.</p>
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		<title>Things to Know Before Switching Jobs</title>
		<link>http://www.financialculture.com/things-to-know-before-switching-jobs/</link>
		<comments>http://www.financialculture.com/things-to-know-before-switching-jobs/#comments</comments>
		<pubDate>Sun, 01 Aug 2010 05:05:41 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[new job starting]]></category>
		<category><![CDATA[starting new job advice]]></category>
		<category><![CDATA[switching jobs]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=959</guid>
		<description><![CDATA[Hopping jobs, though not a fad, is more of a sport for most of us. We apply for all available jobs in the market and we have become proficient on how to tackle interviews. The only reason why we keep switching is better pay, friendlier atmosphere, ideal manager, and supreme work conditions. This seems to [...]]]></description>
			<content:encoded><![CDATA[<p>Hopping jobs, though not a fad, is more of a sport for most of us. We apply for all available jobs in the market and we have become proficient on how to tackle interviews. The only reason why we keep switching is better pay, friendlier atmosphere, ideal manager, and supreme work conditions.</p>
<p>This seems to be an unrealistic, never-ending hunt. However, if you dig deeper, you may even get a job that fulfills all your demand. But there is much more to a job than just receiving higher salary and better work conditions. This is why it’s imperative to explore a bit further before accepting any job.</p>
<p>Apart from usual questions like ‘Will I be paid for overtime work?’, and ‘How flexible is my job?’, there are fee other questions that needs to be answered before you take up any job.</p>
<h5>Is My Future Employer Financially Strong or Even Stable?</h5>
<p>Times are tough, and switching jobs is becoming more difficult than ever. You don’t want to be employed in a company <img class="alignright size-medium wp-image-960" style="padding: 3px;" title="things to consider when switching jobs" src="http://www.financialculture.com/wp-content/uploads/2010/07/things-to-consider-when-switching-jobs-300x199.jpg" alt="things to consider when switching jobs" width="300" height="199" />that may lay you off in few months. Only getting a high salary doesn’t mean the company is financially strong. Before you join any company know more about its finances and future growth. There are several ways to do it. Some of the best ways is to check its past record, reviewing financial statements, and exploring employment history.</p>
<h5>How Would You Know If Your New Employer is About to Go Bankrupt?</h5>
<p>If you are about to join a public company, its financial statements would be easily available. You can review it yourself of get it reviewed from a broker or financial consultant. Check what’s the Net Profit, Gross Profit, Inventory, and so on. However, if it’s not a public company, you will have to ask your employer about the financial status, employment details, long term goals, and so on. If the status is strong, you will get clear, straightforward answers. However, if the company is not in good condition, they would be hesitant to give out these details. Do not join the company if you don’t get satisfactory answers. I know it’s difficult to reject a high-paying job. But don’t take up a job that has the potential to ruin your future.</p>
<h5>What’s the Work Culture of Your Future Employer?</h5>
<p>Most people quit job not due to lower salary or no growth, but poor work conditions, improper behavior of managers, lack of ethics, and other social factors. Most quitters are not satisfied with their job and work culture in office. Hence, if you are looking for professional success and long term relation with the company, make sure you choose an employer that has good working conditions. You will be more productive at work, if you happy and satisfied.</p>
<p>Work environment certainly plays an important role in any job, and should be one of the most preferred criteria while selecting a job. If the company has flexible schedule, low turnover rate, co-operative team work, employee motivation program, and other such facilities, it is probably a workplace you must miss.</p>
<h5>Job Description</h5>
<p>Never make choices and decisions based on the Job Description of the position. Most companies have Human Resource and Communication department, who are experts at writing job descriptions, and embellish it with attractive words. Hence, it’s important to discuss your role during the interview, and know everything about your day-to-day tasks.</p>
<p>One of the best ways to assure you are at the right place is having a healthy conversation with your manager before joining the company. If it works out well, and you get all answers satisfactorily, you can make your career move easily.</p>
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		<title>Are You At the Right Job?</title>
		<link>http://www.financialculture.com/finding-the-right-job/</link>
		<comments>http://www.financialculture.com/finding-the-right-job/#comments</comments>
		<pubDate>Mon, 12 Jul 2010 05:05:43 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[finding the right job for you]]></category>
		<category><![CDATA[job and careers]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=939</guid>
		<description><![CDATA[Many people aren&#8217;t really sure about the synchronization between their job and their career. And many are even now aware about the difference. So, let us ponder upon these two terms, and understand what it means. When you take up a job, the only intention is to earn money. Even if you don&#8217;t like it, [...]]]></description>
			<content:encoded><![CDATA[<p>Many people aren&#8217;t really sure about the synchronization between their job and their career. And many are even now aware about the difference. So, let us ponder upon these two terms, and understand what it means.</p>
<p>When you take up a job, the only intention is to earn money. Even if you don&#8217;t like it, and the work doesn&#8217;t motivate you at all, you do it, simply to earn money. However, something that you don&#8217;t like cannot be your career choice. Hence, you wouldn&#8217;t be probably working at your current job five years from now.</p>
<p>Career, however, is a continuous process. You may change many jobs, but your work would be similar throughout your life. During your initial years, you work towards developing your skills, and you change employment to get a high-paying job. Probably the difference would be much clearer after going through following points:</p>
<p><img class="alignright size-medium wp-image-940" style="padding: 3px;" title="Finding the right job" src="http://www.financialculture.com/wp-content/uploads/2010/07/finding-the-right-job-201x300.jpg" alt="Finding the right job" width="201" height="300" />Job is simply to have some money in your pocket. Career, however, is a series of many jobs related to your area of interest, which will affect your future opportunities.</p>
<p>Job doesn&#8217;t provide many networking opportunities as you wouldn&#8217;t be working in this area for the rest of your life. However, network built at your career will help you time and again.</p>
<p>Job wouldn&#8217;t really affect your career path. However, you career is backbone of your life that provides you money skills, experience, and so on.</p>
<h5>Advice About Jobs</h5>
<p>You have taken up a job only to earn some money. So, the only thing you must be concerned about is your paycheck. Make sure you don&#8217;t annoy your boss, and behave properly with him. Finish your task on time, and learn as much as you can from the job.</p>
<p>However, you shouldn&#8217;t be emotionally attached with the job or the work. Simply complete your task and save energy for your career. If you job is killing you, simply quit it and find another one. That may be a bit difficult one in such an economy. But if money is what you are bothered about, you will get many jobs.</p>
<h5>Advice About Career</h5>
<p>You goal is not only to get your task done, but gain new skills, experience, network, relations, and so on. You would probably work in the same area for the rest of your life. So, the quicker specialize in your work, the more successful you would be.</p>
<p>You are not only working for money here. You work for satisfaction and enrichment. Hence, it&#8217;s okay to be emotionally attached with your company and work. Try to be loyal, get promotions and bonuses. You must actually go an extra mile, and do things that would generally exceed your boss&#8217;s expectations. You know you are at the right place, so fight harder, and don&#8217;t stop until you reach the desired level of success.</p>
<h5>Conclusion</h5>
<p>Many might not really understand whether or not their current job is a part of their career. Ask yourself do you want a promotion, or simply a paycheck every month. Figuring this out early in your life would save you lots of energy, money, and time.</p>
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		<title>I Have Quit My Job!</title>
		<link>http://www.financialculture.com/i-have-quit-my-job/</link>
		<comments>http://www.financialculture.com/i-have-quit-my-job/#comments</comments>
		<pubDate>Wed, 23 Jun 2010 06:11:26 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[early retirement]]></category>
		<category><![CDATA[extra sources of income]]></category>
		<category><![CDATA[quit job]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=918</guid>
		<description><![CDATA[I have resigned last evening, and by the end of July 2010, I will be at home, without any stress. Quitting a job, however, is quite a scary situation. And before you make this decision, make sure you have things in place. If you are planning on early retirement, there are several things you need [...]]]></description>
			<content:encoded><![CDATA[<p>I have resigned last evening, and by the end of July 2010, I will be at home, without any stress. Quitting a job, however, is quite a scary situation. And before you make this decision, make sure you have things in place. If you are planning on early retirement, there are several things you need to consider.</p>
<p>Why I did I make such a decision? Here are some reasons. Individually, they might not be quite powerful, but they all balled together.</p>
<h5>More Time to Family</h5>
<p>Managing a full-time job, and few personal blogs had made my life quite hectic. And I simply wasn&#8217;t able to devote any time to my family, which my wife keeps grumbling about, all the while. Besides, I have two kids, whom I want to spend <img class="alignright size-medium wp-image-919" style="padding: 3px;" title="things to consider when leaving a job" src="http://www.financialculture.com/wp-content/uploads/2010/06/things-to-consider-when-leaving-a-job-229x300.jpg" alt="things to consider when leaving a job" width="184" height="242" />more time with.</p>
<h5>More Time to Write</h5>
<p>Every individual has personal preferences, or some hobbies. I love writing, whether it&#8217;s a personal blog, or book, or simply a letter. When you, however, don&#8217;t get much time to spend on your hobbies, it frustrates you. Lately, I have had some opportunities, which I missed, and I don&#8217;t want to miss them anymore.</p>
<h5>Financial Stable</h5>
<p>if you decide to quit your job for good, remember you must be financially stable. Besides, you must have planned for your retirement, children&#8217;s education, monthly expenses, and so on. If I wouldn&#8217;t have planned these things, I would have never thought of quitting. Besides, we don&#8217;t use <a title="Different Types of Credit Cards in USA" href="http://www.financialculture.com/types-of-credit-cards-in-usa/">credit cards</a>, we don&#8217;t have any loans to repay, and we have investments.</p>
<h5>Frugal Living</h5>
<p>My family have been living frugally since last couple of years, which leaves us with much more money to spend on valuable things. And we have decided to continue. Apart from saving a considerable amount every month, it fun to notice how it helps boost our creativity.</p>
<p>Note: Frugal living is not depriving oneself of anything, it&#8217;s about using your money wisely.</p>
<h5>Working From Home</h5>
<p>With several years of experience in financial advising, I have many options to work from home. Besides, my passion for writing opens many doors. Working from home with provide me with additional income, and help spend some free time. And, best of all, I could do what I really love, whenever I want.</p>
<p>Also working from home is better than commuting 5 miles every day. Eating leftover is less expensive than spending on lunch, coffee, and gas every day.</p>
<h5>Health Improvement</h5>
<p>When you are employed, you hardly get time to exercise. Besides, you don&#8217;t really care about what you eat or drink. The only few things that you are bothered about are work, money, and fun. I have quit my job because I want to get back in nice shape once again. Lately, I have gained much, and if I continue to be so, I will set a bad example for my children.</p>
<h5>Other Sources of Income</h5>
<p>My wife is employed, and she has many more years before she retires. I can, therefore, rely on her for my monthly spending. Besides, I have:</p>
<ul>
<li style="padding-bottom: 15px;">Many personal blogs, where good revenue is generated through Adsense</li>
<li style="padding-bottom: 15px;">Money invested in various products. I earn interest, dividends, and profits every month.</li>
<li style="padding-bottom: 15px;">Plans to publish a book by September this year.</li>
<li style="padding-bottom: 15px;">A Financial Advisory business from home</li>
</ul>
<p>Early retirement is certainly a good option. However, there are several things (I cannot say disadvantages) that you need to mull about. Spending free time, boredom, loose communication with friends, shortage of money, inflation, health problems, and so on. Only if you have a plan that takes care of all these things, you can think about retiring early.</p>
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		<title>Resume Is Important But Brush Up Your Soft Skills For A Job!</title>
		<link>http://www.financialculture.com/tips-for-job-interviews/</link>
		<comments>http://www.financialculture.com/tips-for-job-interviews/#comments</comments>
		<pubDate>Mon, 15 Feb 2010 06:03:28 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[dress appropriately for interview]]></category>
		<category><![CDATA[job interview preparation]]></category>
		<category><![CDATA[job interview skills]]></category>
		<category><![CDATA[job interview tips]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=678</guid>
		<description><![CDATA[Are you a Master’s degree holder in rocket science? Or are you a medical college intern aspiring for a post in a reputed hospital? Or are you a high school graduate on the look out for a sales job in one of the biggest retail stores of your town? Your resume does speak about your [...]]]></description>
			<content:encoded><![CDATA[<p>Are you a Master’s degree holder in rocket science? Or are you a medical college intern aspiring for a post in a reputed hospital? Or are you a high school graduate on the look out for a sales job in one of the biggest retail stores of your town? Your resume does speak about your skills but what really matters for getting selected in a <strong>job interview</strong> is your manners. Obviously, good manners are a criterion that is fairly demanded of the job candidate because there will be so many people with the same degree and work skills and the distinguishing factor between them is their manners and appeal. No wonder, these days a lot of placement agencies are holding soft skills training programs to groom job interview candidates in professional behavior and manners. One has to sell himself during an interview and has to try <img class="alignright size-medium wp-image-680" style="padding: 3px;" title="job interview guidelines" src="http://www.financialculture.com/wp-content/uploads/2010/02/job-interview-guidelines-300x219.jpg" alt="job interview guidelines" width="275" height="201" />his level best to impress the interviewers. You can always attend job etiquette classes at any good training institute, but before that just try to follow these basic rules:</p>
<h5>Be On Time</h5>
<p>Being on time, not too early or too late is the first thing that impresses interviewers about you. It shows that you value yours as well as other’s time and that you’ll be punctual to office once you are appointed. Being too early shows that you have time to waste and being too late conveys disrespect for time and other people(interviewers). If you do happen to turn up late at the interview venue due to reasons that you really cannot help please convey that to the interviewers beforehand if possible, or at the venue politely.</p>
<h5>Dress Appropriately</h5>
<p>Dress formally for the <strong>job interview</strong>. Stylish casual clothes might look good on you but they are most appropriate for a holiday. Dress according to what you think best suits the environment. Even stylish fashionable clothes are appropriate for appearing for an interview in the glamour world of cinema or advertising. Inappropriate dress shows disrespect. Never dress shabbily for an interview.</p>
<h5>Shake Hands Most Effectively</h5>
<p>Your handshake conveys your personality. A firm brief handshake sets the tone right. A meek and soft handshake, a too tight grip of the hand and holding the hand for a long time are gestures that are going to make the other person unpleasant and develop a negative vibe between you.</p>
<h5>Convey a Favorable Image</h5>
<p>In an interview it is very important to impress your interviewer with a positive body image and language. There might be times when you might be asked difficult or uncomfortable questions. Keep calm under such situations. Always look your interviewer in the eye as it conveys trustworthiness. Slouching shows disrespect or indifference. Be alert and use non- aggressive gestures.</p>
<p>Don’t forget to thank the interviewers after the interview. Write a thank you note if possible and that too a printed one as it is a business note.</p>
<p>Thee common mistakes that people make during interviews are, going unprepared for the interview, insulting past employers, suppressing personal information and telling lies. Avoid these.</p>
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		<title>Are You Investing to Increase Your Net Worth?</title>
		<link>http://www.financialculture.com/are-you-investing-to-increase-your-net-worth/</link>
		<comments>http://www.financialculture.com/are-you-investing-to-increase-your-net-worth/#comments</comments>
		<pubDate>Mon, 11 Jan 2010 06:56:46 +0000</pubDate>
		<dc:creator>admin</dc:creator>
				<category><![CDATA[Employment]]></category>
		<category><![CDATA[increase your net worth]]></category>
		<category><![CDATA[ways to increase net worth]]></category>

		<guid isPermaLink="false">http://www.financialculture.com/?p=631</guid>
		<description><![CDATA[The summation of total assets of any individual including the cash in bank account is called ‘individual net worth’. Is it? I don’t think so. Probably the only reason why you will be handed the pink slip, and not your colleagues, is your lack of knowledge about ‘Individual Net Worth.’ If, according to you, net [...]]]></description>
			<content:encoded><![CDATA[<p>The summation of total assets of any individual including the cash in bank account is called ‘individual net worth’. Is it? I don’t think so. Probably the only reason why you will be handed the pink slip, and not your colleagues, is your lack of knowledge about ‘Individual Net Worth.’ If, according to you, net worth is something that a person has earned, then what about his ability to earn?</p>
<p>Before I emphasize on the significance of net worth, let me tell you have lucky you are to have a job. It has been predicted by most of the economist that the unemployment rate is bound to leap and stay soared for a long time. For precise information, make some efforts to explore your search engine and scroll through latest unemployment trends because this isn’t an unemployment article.</p>
<p>Employers will continue to terminate people because they can’t afford paying the same number of people as they did last year or year before. And they will definitely target someone who isn’t investing much in himself.</p>
<p>Net worth isn’t only about owning assets. It means your ability to earn money. It means how well can you improve and enhance the performance of the most useful funds-generating asset – You.</p>
<p>Here are ten simple things you need to do to improve your net worth, or at least save your job.<img class="alignright size-full wp-image-632" style="padding: 3px;" title="how to increase your net worth" src="http://www.financialculture.com/wp-content/uploads/2010/01/how-to-increase-your-net-worth.jpg" alt="how to increase your net worth" width="314" height="235" /></p>
<h5>Know about the industry and location</h5>
<p>The reason I didn’t mention the unemployment rate above is simply because I cannot. The rate is equivalent and unchanged across nation. It changes with a minute alteration in targeted area and profession. It’s around 5-6% in the financial sector, whereas 20% in construction industry. The unemployment rate is highest in Michigan, whereas lowest in North Dakota. Obviously, you didn’t know all this. Start knowing about your industry, your location, your designation. Update yourself on who is being fired, hired, down sized, or promoted. This will help you to get a new job or help you to decide when it’s to step down.</p>
<h5>Your company’s sources of income</h5>
<p>How does your company generate revenue? By selling mutual funds? May be you don’t know much about your organization. Because most of the companies have multiple sources of income. Maybe all are not equally rated, but remember, they do have many sources. Learn about the most important and be a fundamental part of it. Be person with real knowledge and genuine usage.</p>
<h5>Do something to safeguard your job</h5>
<p>On a Sunday, sit with a pen and paper and pretend to be the boss of your company. Decide who should get a raise and who should be thrown out of the firm, with strong reasons. Now look at your role. Are you worthy of a raise? Do you have the necessary skills that are needed for a promotion?</p>
<h5>If you are a business owner, pretend to be a customer</h5>
<p>Owning business means having many bosses. They can put you out of business quicker than a boss can fire an employee. Pretend to be a customer and think of things that you expect from a business like yours. Are you a satisfied customer?</p>
<h5>Assess your skills</h5>
<p>You ‘Net Worth’ as assessed by your boss isn’t the summation of your total assets. It is your ability to work, to generate results, to handle the pressure of targets and achieving them. Jot down all the skills that you have and those you will need to become the best. I am sure you have all the skills but are under-utilized. Work towards developing those skills. While in office, focus on the tasks that generate results. Eliminate wastage of time, efforts, and energy.</p>
<h5>What if you are terminated tomorrow?</h5>
<p>It’s a question we dread, hence we aren’t ever prepared for it. Think about the options that you have after being fired. Think about the achievements in your current job that you can list down in your resume. If you can’t think of any achievements, strive to get one. What is that you can do in your spare time that can add value to your resume? What is it that will increase your net worth?</p>
<h5>Do it yourself</h5>
<p>Increasing your net worth also means doing and knowing about things. What are the things that you don’t do and pay someone else to do it? Which among those tasks can be done by you? There are many things that you can learn and start doing yourself like taxes, repairs, or financial planning.</p>
<h5>Take up a side job</h5>
<p>Or start a side business. But try to earn some amount for other sources. Don’t rely merely on your current job income. This will help you to accumulate funds, learn new set of skills, or lead toward a new career.</p>
<h5>Sharpen your social skills</h5>
<p>Believe it or not, to succeed, you have to be social, pleasant, co-operative and likable. Okay, success also comes to those who are rude, arrogant, unhelpful, and ugly, but it becomes tougher for them. People help you, if you are helpful; people cooperate, if you are cooperative.</p>
<h5>Is it your dream job?</h5>
<p>You probably generate best results if you enjoy what you are doing. Do you think you current job is what you enjoy? Do you feel like quitting and taking up something else? May the current economy and severe market conditions wouldn’t allow you to take up what you like. However, with time, it will improve. So do your homework and be prepared for the right time.</p>
<p>Investing in <a title="Stocks, Bonds or Mutual Funds-which Is Your Best Investment Option?" href="http://www.financialculture.com/stocks-bonds-or-mutual-funds-which-is-your-best-investment-option/">stocks, bonds and mutual funds</a> may be quite difficult for you due to the financial crunch. However, investing in something (you) that provides better returns, isn’t quite difficult. Start increasing your net worth before you are kicked out of your company.</p>
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