Why Taking a Pay Cut to Find Your Dream Job Might Just Be a Good Idea

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Do you know anyone working their dream job right now? How many people do you know that are working a job they hate just to pay the bills, all the while holding out hope that their dream job will plop right down in their laps? All they are waiting for is the right time, right?
If you ventured a guess, the latter probably outnumbered the former by quite a large margin. That’s not necessarily a bad thing, considering that people have to pay bills to live, so they have a vested interest in earning a paycheck. But, some people find themselves completely restless with the path they’ve chosen and want to make a break for something new and exciting. That’s when many people break up with their reality and decide to chase a dream. You may not succeed but at least you can say you gave it a try, or you could end up living your dream.
Finding the Dream Job
Even if you have a solid job that is paying the bills and offering security, it may not be enough. If you want something else out of life then why not make the uncomfortable move and leave your situation? The drawback: going from plenty to living on the lower-rung of the pocketbook scale.
If you decide to try your hand at your dream job there will be setbacks, you will have to make sacrifices that, perhaps, you are not comfortable with. That means less eating out and less entertainment plans, you will have to limit your purchases to the essentials, while still leaving some for yourself.
Your friends and family should be your rock at this time. They should be there to provide help and encouragement, but if they’re not, it’s their loss and your life, so go live it.
Before you leave your current job, make sure you have something to fall back on. Make sure you have your dream job in place, even if you are close to getting it there is no guarantee. You do not want to put yourself in a compromising situation that you will have to dig your way out of.
A New Type of Rich
If you make a drastic step and totally alter your life, will it be worth it or will your life be more fraught with peril than before? Who knows, and it depends on your situation. If you decide to quit your job to focus on African alligator wrestling, you will be in for a complete, 180 degree change in lifestyle. But, you also reward yourself both spiritually and emotionally by following what it is you want to do.
The hardest part of making the change may be the fear of what people say about you. Even though your bank account may not be overflowing, your karma bank will be earning interest. And who cares what someone says about you, you’re following your dreams while they slave away in a cubicle working for a faceless, soul-sucking corporation who would just as easily fire them and everyone in the office if it improved their stockholder shares. So why do you care what people say, you have a dream and you’re following it. Live for yourself, even if it means a hit to the pocketbook.

How to Take the Plunge and Start Your Own Business

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January is the time of year when lots of ambitious entrepreneurs decide to start their business. Starting a business can be a risky proposition, but it’s always exciting to start out on your own and let yourself be the one making the decisions. In order to have a successful business venture you need the right resources and help, including checklists, tools and services you will need.

If you’re ready to take the plunge, make sure you have everything in line before your business is up and running. There is a lot of groundwork that needs to be laid before you can even find your first customer, so make sure you have everything lined up before you start your business.

  • Create your businesses identity

You need something that sets you apart, and your logo and brand image are what represents your business. They are the most recognizable, tangible part of your business. Before you start a business you need to create a unique, standout logo for your business identity.

  • Select your legal status

Depending on how your business will be structured, you will need to form a legal structure. Some of the most common legal statuses are incorporated (Inc.) and limited liability corporations (LLC). Decide what type of business model is right for you business before you begin.

  • Get some customers online

Your potential customers are out there…online. You need to create a solid website, have it submitted to search engines and even start some small advertising campaigns. If you can establish an online presence, your business will see sales in no time.

  • Paying your employees

There are payroll services available that will calculate checks and taxes; it’s one of the easiest ways to pay employees. You can find plenty of suppliers online that will make it easier to write paychecks all on your own.

  • Manage your finances, seriously!

Make sure you keep an eye out on your finances, money does not grow on trees but it sure as heck burns like them. You can blow through a pile of cash quickly without even paying any necessary bills or expenditures. Get a solid accountant or software that will manage your finances correctly.

  • Enable credit card transactions for your company

Look up some merchant services account companies. They enable you to run a credit card online, through you computer or over the phone. It’s a simple process that doesn’t require that much information from you, but really helps out with generating revenue. Most people pay for goods and services online through credit cards, they aren’t shoving cash in their modem, so make sure you have the ability to process their transaction. You might also consider PayPal as they also have merchant services for a monthly fee and a transaction fee. Your bank may also provide a merchant service with less fees (mine does… I just made the switch- what a savings!).

  • Have a brick and mortar store

If your business requires it, have a physical location, but if you’re starting an online company a website is all you need. Just have point-of-sale equipment so that you can process payments as they come through the store. Tracking and maintaining customer records allow for faster processing times, this allows you to estimate future expenditures.
Having and running your own business has its ups and downs but in the end, if answering only to yourself is a strong motivator for you, then I would say GO FOR IT!


Contrary to the occasional rant about them, cover letters never go out of style. In fact, they should be considered one of the most important elements of the job seeking process. Unlike the resume, a rather cut and dried dissertation on your experience and training, the cover letter is your chance to convey more than simple experience. Understanding the important areas that need to be covered in a cover letter and the importance of creating unique letters for specific positions will allow you to take advantage of the strengths of the cover letter.
Length Matters
First, recognize the importance of appropriate formatting.  Cover letters that are too long will quickly loose the interest of the reader while those that are too short will not convey the necessary information.  Instead, be cognizant of the length and format of each cover letter.  Each cover letter should be no less than three paragraphs long and no more than one page long.  Not only is this length considered correct, it will allow you to appropriately address important areas adequately.

It Isn’t Your Resume
It is a mistake to simply use the cover letter to restate the facts that appear on a resume. Instead, the cover letter should be used to build interest–telling a little more about yourself and what you bring to the reader. An effective way to build interest is by expounding on an accomplishment that can be found in your resume. Instead of simply restating the accomplishment, give the prospective employer more details – details that will build interest in you.
Be Specific
Many make the mistake of creating a generalized cover letter.  Addressing a cover letter to the HR Department, utilizing generic job names and including general examples is a patently bad idea. Instead, take the time and do some research.  Even if you are sending a resume and cover letter to be filed for a later position, it is critical that it be addressed to the specific person in charge of hiring for that position.  Each resume that is sent out should include a cover letter that is specific for a particular job offering.
What’s Next
When concluding your cover letter, be sure to include your next step. You may want to inform the reader that you will call to confirm receipt in a week or let them know you will call to ensure they have all the information they need. Including a follow up action is the best way to ensure that your resume will be flagged for follow-up by the reader.
Cover letters are a good idea almost any time you are submitting your resume for review. There are a few distinct cases when a cover letter is not required.

  1. When the potential employer requests no cover letter be sent.
  2. When working with a headhunter.
  3. When using resumes at a job fair.

It is important that each cover letter be written with a specific job in mind. Carefully read and review not only job postings, but also any information that is available regarding the company to which you are applying. Doing so will allow you to craft a more effective cover letter – one that is more likely to generate a call back. You can tweak your main cover letter for different positions. Be sure and save each version with a different title so you can easily pull it up when a similar job position opens up.


Working from home is the goal of many people. I understand. I work from a home office as well. It is great when you don’t have to dig your vehicle out of a foot of snow to get to work in the morning, or sit in traffic for two hours on the way home. There are lots of cons as well, but that’s for another post. So, if working from home seems like the right choice for you and your family, what is the next step?

From stay-at-home moms looking to supplement the family income to entrepreneurs hoping for a chance at a better life , work from home opportunities often seem like the perfect solution. Finding a position that allows you to work from home is possible, if you know where to look and how to apply. Cutting through the scams is just the first step. As a job seeker looking for an opportunity to work from home, you must be web savvy, able to articulate your skills online and tenacious work ethic.

Finding the perfect online job means sorting through fraudulent offers and scams. Many of the most “promising” opportunities require you to invest money, sometimes several hundred dollars before gaining access to the details of the opportunity. In other cases, the opportunity, which ‘guarantee’s’ income in the thousands of dollars per month simply do not live up to the hype. The best way to avoid these types of false opportunities is to carefully search for opportunities. Instead of using keywords like ‘work from home’ use keywords and phrases like ‘telecommuting’ and ‘virtual.’ This will allow you to find real opportunities.
While many online opportunities request a real resume, most simply request you start the process by filling out a form. This presents a problem for many job seekers who are concerned with safety. Avoiding giving sensitive personal information should always be foremost in your mind. Never send information such as your social security number via online form. It is also a good idea to set up a separate email address for the purpose of online job seeking. In general, be leery of any opportunity that requests personal information early in the process.
For opportunities that request a resume, job seekers are encouraged to take advantage of all the tools at their disposal. Attaching portfolios or examples of your work is a great way to make your resume stand out. You’ll also want to add or attach a cover letter to briefly and professionally introduce yourself to the reader. No matter what the job is, highlighting organizational skills and self-motivation throughout your resume is critical as it sets you up as an ideal independent contractor.
In many cases the next step is a phone interview. Take this opportunity to highlight your personality, goals, ethics and belief system as they relate to working independently. Be sure to respond to all emails and phone calls promptly during the entire hiring process. Remember that once hired your primary contact with your employer will be via phone and email, so it’s critical to establish yourself as a prompt and courteous potential employee.
Working from home can be a viable career choice for many people, but only if they carefully select opportunities to avoid scams. Be prompt, professional and courteous in all your online dealings to increase the likelihood that you will land a plum at home job.

How an Office Romance Can Affect Your Work Environment

Career & WorkplaceWork/Family Balance


When you spend a third of your day at work, it is easy to become close to those with whom you share close quarters. When this blossoms into a romantic relationship, things can go downhill quickly. Office romances are frowned upon in many workplaces, with good reason; when two people break up and have to see one another every day, the tension can be felt among those around them. People can take sides, resulting in a decline of employee morale. When one party is particularly bitter, even lawsuits can ensue. I’ve written about this before, but it always intrigues me… probably because my office is in my home and the only other living being I see is my dog, Abbie.

One of the biggest problems facing companies is the threat of third-party lawsuits that arise over an office romance. In most cases, these lawsuits are launched as a result of a third-party employee feeling that he or she was treated unfairly due to someone else being favored. So, if a manager decides to give one of two people a raise and the one who receives it happens to be his girlfriend or wife, this might trigger a lawsuit filing from the party who did not receive the raise.
You also may want to consider your work mates and how they will react to this, as well as how it will affect those you are friends with who know about the romance, and how they will be treated. While putting myself through college, I was a nail technician (formerly known as “a manicurist”). One of my clients was a high-powered exec for one of the leading medical suppliers. She got me a job at her company selling medical supplies. She was also sleeping with the president of the company, who was married. At first, knowing her/him worked in my favor– it got me the job and well, it also got me a better sales position, selling some of the higher priced products versus the lower ones, so I made more commission. This wasn’t fair to the other reps and I soon realized that being associated with her meant not much work social life for me.
Another problem with an office romance is that if the romance does go sour, it can lead to false accusations or sexual harassment charges. Someone who is bitter about a failed relationship might retaliate by spreading rumors around the office or trying to make other coworkers take his or her side. Uh-oh. Not good. If you are on the receiving end of this type of treatment, it can lead to a damaged reputation or even the loss of your job. Also, if a woman decides to break up with one of her coworkers and he continues to pursue her despite her requests, it can lead to a sexual harassment claim.
All of these points are not to say that an office romance cannot work. For the most part, workplaces have rules in place for those who have established a romantic relationship. Many companies have addressed romantic relationships by implementing stricter rules, holding mandatory training sessions and even making involved employees sign a “love contract” in which they promise that their romance will not influence their job. Really?? In just about any scenario, though, try not to become involved with a boss or subordinate.  However, if this does happen, you might consider changing whom you and your significant other report to so that there will not be any accusations of favoritism.
Before pursuing an office romance, it is important to weigh the risks versus the benefits. It might seem like an appealing idea at first; after all, the two of you already have one thing in common. The added advantage of seeing each other throughout the day might lead you to believe that an office relationship is a good idea. However, only you can decide how much you are willing to put at stake for that relationship.  If it ends up poorly or your coworkers become jealous of the relationship, it can seriously affect your work environment to the point that one of you must quit or risk getting fired.


Many job seekers erroneously believe that searching for a job during the holiday season is a waste of time. Nothing could be further from the truth.  In fact, the holiday season, the time between Thanksgiving and the New Year, is often one of the best times to look for a new job.  This is true for several reasons.  First, there is often less competition because so many job seekers suspend their job search during these months.  Second, corporations with hiring budgets are often looking to ‘spend off’ their remaining budgets, making it easier to find an ideal position.  The key is utilizing unique opportunities available to job seekers during the holiday season and remaining positive.

For those looking for a job during the holiday’s, the following tips should be carefully reviewed and considered as part of their ‘survival guide’:

  1. Remain upbeat: Those that have been searching for a new position for an extended period of time often find their mood flagging during the holiday season.  Depression can quickly lead to wasted job seeking opportunities, so be sure to remain positive.  If needed, create a schedule for yourself, providing at least one job-seeking task each day.  Remember to treat your job search like it is a job in itself.
  2. Use holiday parties to network: You never know where the next opportunity will come from, and holiday parties offer the perfect opportunity to network and increase your visibility.  Whether attending family parties or industry events, put on your best face, be positive and network.  Holiday parties are the best opportunity for networking around.
  3. Holiday greetings: While the old ‘Merry Christmas’ cards are considered politically incorrect, Holiday Greeting cards offer the perfect opportunity to reconnect with industry contacts or potential employers.  Be sure to include your business card or contact information in the card to fully take advantage of this opportunity.
  4. Regularly review postings: Remember that as the year comes to a close, many businesses are struggling to fill open positions before their budget ‘resets.’  Keep checking classified ads and online listings and keep in close contact with your headhunter to ensure that you don’t miss any opportunities.
  5. Consider seasonal work: While seasonal work isn’t the ideal opportunity, especially for those looking for executive positions, sometimes taking a seasonal position can be beneficial.  The act of working again can do wonders for depression and if you are lucky enough to land a seasonal position in your field or industry, help keep your name visible. Oh, and might I add one very important thing: DISCOUNTS.

Don’t use the holiday season as an excuse to forgo your job seeking activities. Instead, try to remember that the months in-between Thanksgiving and the New Year can offer plum employment opportunities.  Use your survival guide to take advantage of the unique opportunities the holiday season can present.
Above all, remain committed to your job seeking activities. Failing to do so during the holidays can quickly ruin any momentum you currently have.

How to Get Employers to Call You Back

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How many times have you found yourself in this situation: several days prior, you had an interview.  It seemed to go well and the interviewer informed you that they would ‘get back to you.’  You went home, excited, but as the days passed with no call, you begin to question every aspect of the interviewing, wondering where you went wrong.

This happens more often than many HR professionals would like. Relax. Sometimes a busy schedule of interviews and work sometimes gets in the way of them calling you back.  Learning techniques aimed at discovering how to make employers call you back is an easy and beneficial addition to any job seekers trunk of tricks.

  1. Don’t Expect It: Don’t ever assume that you will get a call back.  Instead, make it a point to discuss the point of next contact before finishing the interview, meeting or phone call.  This can be as simple as asking when an appropriate time would be for you to follow up.  Many job seekers are leery of this, feeling that it will make them appear pushy; however, politely asking for a follow up isn’t being pushy.  I think it shows motivation and Always ask for a follow up.  Never leave it to chance.
  2. You Are Responsible: At the end of the day, you, as the job seeker, are the one responsible for the follow up, after all, it is you that wants the position.  Take responsibility for the part you play in follow up meetings and calls by asking for them, being polite is subsequent contact and following through on any promises you make.
  3. “I’ll Get Back To You” isn’t enough: “I’ll get back to you’ may be the five most dreaded words in the job seeking business.  Don’t ever leave a meeting or interview on this note. If a potential employer uses this line, ask them when!  If they cannot provide you with a specific time frame for a follow up, ask when it would be appropriate to follow up yourself.  Again, don’t be afraid to schedule your follow up.
  4. Keep Calling: If you were unable, or afraid, to schedule a follow-up, wait three days and follow-up yourself. Again, many job seekers shy away from this tactic, but remember that the interviewer or HR manager is busy as well and a gentle reminder is not harmful.  Be respectful whenever leaving a message and always be consistent.

Getting that all-important call back can be difficult and waiting for it can be even worse. Instead of leaving it up to fate, take matters into your own hands.  Be proactive by scheduling follow-ups.  Be polite, but assertive, when asking for a follow-up call or meeting.  Don’t ever be afraid to follow-up yourself.
Waiting is an unfortunate part of finding employment. If you are like me, waiting for anything can be excruciating. You can make this waiting a bit easier to endure by learning how to make an employer call you back.  The peace of mind a scheduled follow-up can give you will make the waiting game much easier.


Many executives who are looking for an opportunity to receive their Masters degree without impinging on their current responsibilities are turning to Executive MBA’s. These unique programs offer professionals a curriculum that fits neatly into their professional world.  The programs are designed for a group setting and in most cases, a group of students will begin and complete the program together.  The short length of the program, typically two years, is also advantageous.  Still, many professionals wonder about executive MBA’s:  are they needed and what’s the value?

Executive MBA programs are similar to more traditional MBA programs. Courses include advanced finances, accounting, management, statistics, information systems and marketing.  In the competitive world of upper management and executive positions, obtaining an advanced degree is often a necessity.  The nature of the executive MBA makes this possible for those who otherwise would not be able to.
People who are attracted to the Executive MBA program are varied. Most share a desire to grow professionally and who do not have the time to complete a more traditional program.  In most cases, EMBA candidates have ten or more years experience in their given field.  Individual schools may have a variety of other requirements as well.  These may include professional recommendations, GMAT scores and a complete professional resume.
Obtaining an executive MBA can have a large impact on your career. The degree represents another level of experience and sophistication.  Advanced knowledge and new skills allow you to expand your roles.  In a world that is competitive on a global nature, this experience and these skills can be invaluable. For self-employed individuals, the degree is equally useful.  It will provide you with yet another platform from which to launch future business endeavors and successes.
Price may be a concern when deciding whether to obtain your executive MBA. It is true that the cost can seem quite steep; however, the price of the degree is an investment in your future. In some cases, it may be possible to defray the cost by working with your employer.  Even if this is not the case, understanding the inherent benefits of an MBA and an executive MBA in particular, often makes the price of the degree well worthwhile.
Determining if an executive MBA degree is ideal for you is a personal decision. The price and time commitment often seem steep.  Still, the benefits and the potential for future job growth and potential increased earnings often make working towards this degree a simple decision for many professionals.
If you are considering working towards an EMBA, discuss the matter with your employer. Doing so may help you defray some of the costs.  It will also give you an idea of what benefits you can hope to reap upon completing your degree.