Category Archives: Business

Cutting Costs on (Some) Financial Expenses

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 Here are a few simple, easy ways to save on personal expenses and make some extra money:

FINANCES

 Bank any unexpected or “windfall” money (but take some and get something you’ve always wanted to have or plan for something that you’ve always wanted to do; then bank the reminder).

If you have to use an ATM, only use those at your own bank to avoid service charges (if you’re able to; sometimes you have to use what’s closest).

Use cash as much as possible.

Buy printed checks from mail-order or online companies.

If you’re able to, try for a FREE checking account.

Prepare your own tax returns.

For those still employed, sign up for any automatic savings plans or deductions the company offers.

Open a savings account that compounds and pays interest daily.

If you use money orders, shop around. The charges vary (the banks tend to be the most expensive).

Keep a record of your spending to become aware of where your money goes.

FOR EXTRA INCOME

 At the end of each day, put aside all your loose change. Then deposit it regularly at week’s end. It adds up (especially pennies).

Have a garage sale.

Donate old clothes to a charity or one of the online thrift shops for a tax deduction.

Make craft items to sell at local, state, and county fairs.

If you have clerical skills, have a pleasant speaking voice, or both, you can work at home as an online office assistant, call center representative, online tutor, or an online content writer/producer for websites.

Kids who are old enough can work to earn extra cash-mowing lawns, running errands for neighbors, or pet sitting.

Sell old clothing, furniture, and other items through thrift or consignment shops

Cook meals for elderly people in your neighborhood. 

If you were good at a particular subject in school, or are currently a “mini-expert” on several topics, consider becoming a tutor at a local school, community college, or learning center.

 GENERAL 

Grow your own herbs (not necessarily “weed “!).

E-mail (or write) a fan letter to companies whose products you like; You may receive coupons, often for free items.

 Clean windows with newspapers instead of paper towels.

Go to the movies in the afternoon, instead of in the evening.

Enter all the contests you can, as often as possible as long as they’re FREE.

Dress up or add accessories to an outfit you already own instead of buying a new one.

Grow plants from seeds or cuttings to give as gifts.

 If possible, buy gifts and holiday decorations for the next season when they go on sale after the current holiday season ends.

Instead of eating out, buy take-out food and eat at home.

If you have just one or two (maybe three) pairs of underwear that need cleaning, use some dishwashing liquid and hand-wash them.

Get rid of unnecessary luxuries.

If feasible, use public transportation (it IS cheaper, but with that being said, not everyone enjoys riding and possibly dealing with masses of strangers. Use your own judgment).

Don’t buy on impulse.

Watch out for any “rent-to-own“; avoid them if possible.

Sew as much as possible. If you don’t know how, learn (It will come in handy).

How Emotions Influence Financial Behavior

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Here are a few ways:

Just because you can do almost anything with money doesn’t mean you can do everything.

Choices must be made; we must choose things not to do. When we spend money on one thing, it’s money that we cannot spend on something else, neither right now nor anytime later. These are Opportunity Costs.

Mental Accounting is operating our financial behavior much like organizations and companies do, allocating our money to categories, or accounts, and setting a budget for clothes, rent, bills, etc. These categories control what we spend and how we spend it, etc.

Receiving money from a negative source (drug dealing or selling guns, for example) that you don’t feel good about, so you try to “launder” it by donating the tainted money to charity or other good things or causes is Emotional Accounting.

The Pain of Paying is exactly what it implies; it’s some version of mental pain when we pay for things, at any price. If we happen to consume something while thinking about the payment, the pain of paying will deeply color the entire experience, making it far less enjoyable. Things like credit cards, auto-pay, debit cards, etc. are ways to “lessen” the pain, but the pain is still there.

To avoid the pain of paying, we increase the time between payment and consumption and decrease the attention needed to make payment (like paying for a trip or an item well in advance of enjoying or receiving it).

There are basically three types of times we can pay for a product or service: Before consumption or enjoyment; during consumption; or after consumption.

When we are drawn to a conclusion by something that should not have any relevance to our decision, Anchoring is what happens. This concept influences the price we are willing to pay (how much is it at the dollar store or the local Piggly Wiggly, for example? That’s what I’ll go by).

Herding is a part of anchoring; it’s the idea that we will go with the crowd, that we assume something is good or bad based on other people’s behavior. If they like it, do it, and pay for it, it must be good.

Basing our financial decisions on similar decisions we ourselves have made in the past is Self-Herding.

Confirmation Bias occurs when we interpret new information in a way that confirms our own preconceptions and expectations. It’s also when we make new decisions in ways that confirm our previous decisions.

The idea that we value what we have more simply because we own it is the Endowment Effect.

Ikea Effect-The harder it is to make something, the more we feel that we had some part in creating it, and our love for it increases even more. Investing effort creates extra love!

We don’t want to give up what we own partly because we overvalue it, and we overvalue it partly because we don’t want to give it up. This is the concept of Loss Aversion. Here’s an example:

  1. Could we live on 80 percent of our current income?
  2. Could we give up 20 percent of our current income?

The answers to both questions should be “yes,” because they’re the same question. But most people will say yes to no.1 and no to no.2. Why?

It’s the “give up” part in no. 2 that most will focus on.

Segregating Gains plays on loss aversion in this way: It’s one painful loss against many pleasurable gains. When a product has many features, it’s in the seller’s interest to highlight each one separately and to ask for one for all of them. To the consumer, this promotional practice makes the whole seem much more appealing than the sum of its parts.

The concept of Sunken Costs is finding that once we’ve invested in something, we have a hard time giving up on that investment. Therefore, we’re likely to continue investing in the same thing, not wanting to lose that investment. So often we throw good money after bad, adding a dash of wishful thinking.

Transparency reveals the work that goes into a product or service, allowing a company to show us that they’re working hard, earning our money. We don’t value things much unless we know there’s a lot of effort involved or at least the appearance of effort.

When we use specific terms to describe an experience, like the “bouquet” of a wine, that’s an example of Consumption Vocabulary. Consumption vocabulary gets people to think, focus, and pay attention, to slow down and appreciate an experience in a different way, and then experience the world in a different way.

Enjoyment of something comes from both the sensation of the thing (taste, the sound of a song, etc.)-and what’s happening in our brain to co-create the total experience of it, the full consumption experience.

Language can enhance or reduce the quality of the consumption experience-and that’s the primary reason it so powerfully influences the way we value something.

When language supports an experience, it changes and enhances that experience and how we value it.

When consumption vocabulary also describes the process of production, we appreciate the item even more.

Reward Substitution is a way to fight self-control. We value a reward in the future much less than we value a reward in the present even if the reward in the present is much, much smaller.

Source: “Dollars and Sense: How We Misthink Money and How to Spend Smarter” by Dan Ariely and Jeff Kreisler, 2017.

Seven Business and Tech Firsts

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The world’s first billionaire was John D. (Davison) Rockefeller; his net worth officially passed $1 billion on September 29th, 1916.

In 1870, he founded the Standard Oil Company, becoming an American industrialist, philanthropist, and petroleum industry icon. As gasoline’s importance grew, so did Rockefeller’s empire; he bought out smaller oil companies, eventually controlling more than 90 percent of the American oil market.

The first computer mouse debuted on December 9th, 1968, by inventor Douglas C. Engelbart and a research group from the Stanford Research Institute (Palo Alto, CA) at the Fall Joint Computer Conference in San Francisco.

On November 17th, 1970, Engelbart was given a patent for his computer “mouse” (named because the “tail” came out the end).

The first product was a 3-button hand-operated pointing device, originally called an X-Y position indicator.

1968 also marked the debut of the world’s first laptop computer concept; it was called the Dynabook and was created by Alan Kay of the Xerox Palo Alto Research Center, CA. His concept was indeed a notebook-size wireless portable computer, but for children. The Dynabook never got past some sketches and a cardboard model, although by 1972, Kay’s ideas did lead to a Xerox prototype called the Interim Dynabook; this project didn’t go much further either.

The first commercial laptop was most likely the GR-D Compass 1100, launched in 1972.

The world’s first mail-order business was created by Benjamin Franklin; yes, that Benjamin Franklin. In 1744, he produced and printed the first mail-order catalog of academic and scientific books.

The first Social Security check, no. 00-000-001 was issued to 65-year-old Ida May Fuller on Jan. 31st, 1940 for $22.54.

The world’s first website, nxocOl.cern.ch, debuted on August 6th, 1991. It was created by Tim Berners-Lee and Robert Cailliau, developers of the World Wide Web (www). The site explained exactly what the www. was and provided instructions on owning browsers and setting up a web server. And nxocOl.cern.ch also became the world’s first web directory.

The bar code, also known as the universal product code (UPC), was invented by Bernard Silver and Joseph Woodland in 1948, receiving a patent in 1952.

The first barcode item ever scanned was in Troy, Ohio (Marsh Supermarket) on June 26th, 1974, and was a 10-pack of Wrigley’s Juicy Fruit chewing gum. Why Wrigley’s gum? It just happened to be the first item the cashier picked up!

Source: “firsts-Origins of Everyday Things That Changed the World” by Wilson Casey, 2009

Dealing With an Asshole (without going to jail)

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They’re everywhere; not just in the workplace.

Assholes can abound within your home environment (perhaps you’re related to a few or even married one), local supermarket, fancy restaurant, regular fast-food place, local school district or hospital, etc. (Hopefully, there’s only one or two, but sometimes there can be several at practically all the abovementioned places, among many others. Because unfortunately, assholes can multiply like rabbits!).

Are you constantly and consistently talked to (and about) like dirt?

Been subjected to highly suspicious acts of sabotage?

Is this harassment on a regular or daily basis?

Now a person can be a temporary asshole, due to unusual or upsetting circumstances and situations going on in their life (it’s understandable, but it’s not a valid excuse. And if you’re guilty of this, explain briefly and apologize ASAP).

And then…..there’s your 24/7, 100% certified, be-one-till-I-die ASSHOLE!

Asshole Creating (or Encouraging) Factors

Having/Gaining Power-especially if they once had little or no power at all

At the Top and Feeling Threatened by any upcoming “stars” 

Being Rich

Being a Rule Stickler–all the time

Always On the Smartphone, Always Oblivious

A Male with a Female Boss (men tend to be more threatened; studies have shown!)

Being Cynical and Negative as a Way of Life

Many people will often flat-out deny that an asshole does indeed dwell or work among them or hold out false hope that one doesn’t exist: “It’s not that bad.” (Uh-huh.) “Things are going to get much better soon.” (Nope!)

Or, people do know but prefer to make excuses: “I’ll leave for a better situation right after I finish this important project. And I’m learning so much here, making many great connections; the mind-numbing abuse is just a small trade-off. It’s worth it.” 

“I’m tough. I can completely disregard all those so-called abuse aftereffects when I leave work; like a light switch, I can turn it on and off, baby.” “And besides, no one can replace me. I’m the star of this show, the glue that holds everything together.”

“It’s much worse for others here; I have no right to complain. Yes, it’s bad, but it could be even worse someplace else. My fellow sufferers and I will just put up a united front. Power to the people!”

There are a few ways to avoid an asshole, at least for a while:

If at all possible, keep your distance. Now there will be times you may have no choice but to deal with or interact (you’ll just have to grit your teeth, clench your butt cheeks, and do it as quickly and efficiently as possible).

Perhaps you’ll be fortunate enough to be able to continually duck and dodge, or use other people as asshole blockers.

Sometimes after a direct asshole dealing, creating shelter from the storm is necessary and imperative. This can be the snack spot, an outside area, another floor (if applicable), or even a bathroom stall if needed, just wherever you need for a break and recovery.

Some companies, organizations, and other places use an early alert system; “asshole incoming” messages are sent via e-mail, phone texts, or in-person transmissions.

Self-Protection Tactics

First of all, don’t blame yourself; it’s possible to downplay the “asshole effect” with humor (even the most dedicated one has a lot of funny elements), and support groups like DWAA (Dealing with Assholes Anonymous).

You can also take the high road or “kill them with kindness“; remain friendly and civil no matter what. You can also try to understand the asshole, and figure out what makes them “tick,” so to speak (this might or could work; in my humble opinion, taking the high road requires tremendous patience. I’m patient to a certain point. I’ve also tried “understanding” but quickly realized that knowing an asshole’s background doesn’t necessarily mean that the asshole will become a nicer, better person (in some circles, this could be considered a form of ass-kissing or sucking up).

And of course, there’s the classic tactic: Ignore!

Proceed With Extreme Caution

You can directly face off with the asshole, but be very careful; use these methods only if there’s absolutely no other way:

Calm Confrontation-Telling the asshole exactly what they’re doing, how their behavior/actions are affecting you and others, and demanding an immediate stop. Remember, the key factor here is staying calm.

Aggressive Confrontation-Not recommended (this can backfire very badly).

Revenge-Also not recommended (for the same abovementioned reason).

Using the System-Going the legal route (this can drag on for several years).

Sources: My personal recollections and “The Asshole Survival Guide: How to Deal With People Who Treat You Like Dirt” by Robert I. Sutton (2017).

How to Identify the 10 Most Annoying Office Workers

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(The following was written before the COVID-19 pandemic. Those of you who are still commuters or do “hybrid” work-a combination of remote and physical locations-may recognize all or some of the following. Full-time “remotes” will definitely remember.)

I have worked in several different offices for large corporations and small
companies, encompassing the Midwest and Eastern regions of these United
States.
And there hasn’t been a workplace yet, NOT ONE, where I didn’t encounter most
of these office space aggravators:

LOUD TALKERS-If there are more than four people in a workspace, at least one
of them will be the one that can be heard in China.
Even just saying “Hello” can be quite a jarring experience; You’ll be blasted out
of your seat or blown a few feet from where you stood (It’ll sure feel that way).
Have you ever tried to hold a private or just a normal conversation with a loud
talker? Forget it, because ALL of it will be revealed right there at that moment.
I was “lucky” enough to work with one who would repeat everything you said in
a booming voice as you were talking to him. Only talk about things with this
person that you really wouldn’t mind being broadcast in the office and
throughout the Chinese mainland.

KNOW-IT-ALLS-They not only think, they BELIEVE that they’re a vast reservoir
of all the knowledge in the world-and you’re not. Even on things they know
absolutely nothing about (And you KNOW they don’t), they’ll ab-lib or “shoot off
the cuff” (It’s actually very weird, yet fun to watch).
Some of you may remember Cliff Claven from the popular TV series “Cheers“
(played by John Ratzenberger); he’s the patron saint of this group.
If you really need an answer to a burning trivia question, they may actually be
handy once in a while (Be prepared for a lengthy dissertation, however).

 ONE-UPPERS-Whatever experience you’ve had, whatever trip you took, even
if you’re the FIRST to ever accomplish something in a given field, they will
ALWAYS do it better, travel to better places, and achieved more (After all,
you were only the first by default, didn’t you know that? They actually achieved
the one-of-a-kind goal first (or their cousin), but something else came up: They
inherited $50 million dollars and took FOUR around-the-world trips, setting up
their own computer labs and hamburger joints-or something like that.

ANGRY MAN (or WOMAN)-No matter what it is, whether it’s office business,
national news, or some aspect of home life, Angry will be ticked off-and stay
ticked off. If you come to work happy, they’ll be upset became you came in
happy (“Our community’s in tatters”. “You should be out there, doing your
share.” “Why aren’t you?” “Huh?” “Well?” “You finished your project on time,
huh?” “You COULD have helped me with mine; Why didn’t you?” “Well?” “You
think you’re all that, don’t you?” ). A close relation to this is the man or woman
with THE FUNKY ASS ATTITUDE. I have noticed that many angry and FAA types always want someone else to do part or all of their work for
them. Is it because they’re just not very good at their job and are “playing the
bad attitude card” to hide this? Hmmm

 SUPER PARENTS-They’re into baby or their kids, 24-7. It’s not entirely a bad
thing, and at least this group deeply cares about their offspring (There ARE
other things to talk about, though). But it’s annoying (and disturbing) to try to
convert EVERYONE to parenthood (Some are childless by choice, some are
childless for medical reasons-ALL choices should and need to be respected).

 THE NOSY (or SPYS, MOLES, SLINKYS)-They hover around, working
diligently to get the goods on everyone and the company. They seem to be
capable of appearing right through the walls, creeping up on you. They’ll know
if you got fired or promoted before you will (and may tell everyone else about it
first).

 THE PERKY-They live in Candyland. No matter what, they’re bubbling over
with pure sunshine and constant joy (And you should be too, gosh darn ya!).
There never seems to be a serious moment, nothing ever fazes them (at least
not in public). It’s unnerving sometimes-But if things are going exceptionally
well in your life, they are fun to celebrate with.

CHARITY PUSHERS-They’re those extremely passionate folks who are always
(and constantly!) collecting for a cause, any cause (Are the chili peppers in
Mexico being threatened? Are pigs and hogs being denied mud? Ongoing
conspiracy found in a baloney sandwich?). They care. They REALLY care.
And you should too (constantly!).

 THE DOWNERS-Some of you out there may remember a recurring comedy
sketch on “Saturday Night Live” called ‘Debbie Downer‘ (portrayed by Rachel
Dratch). It was hilarious-and oh-so-true. Perhaps you may not know it,
 but many, if not, most of you have certainly run across a person that’s
constantly having a tragedy, 24-7 (Don’t these folks ever have a GOOD or
HAPPY moment? But then, they’ll probably complain or whine about it!).

 SLOBS (or PACK RATS, HOARDERS, COLLECTORS)-They’re often one of
the nicest people around, but no one’s seen their desk in years. THEY haven’t
actually seen their desk in years. The piles and stacks have now begotten their
own piles and stacks.
But the weird thing is, slobs can usually find just what they need or what’s
requested out of all that chaos. I believe they could find just what they need out
of a garbage dump.
That DOES take a skill.

Become Your Own Motivation Guru

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What do you do when you know what you need to do, but don’t want to do it? If you’re like most people, you find yourself doing EVERYTHING ELSE but what you should be doing (often with a deadline looming). Your “get up and go” got up and went and didn’t even say goodbye.
This type of situation can wreak havoc when you have a jam-packed schedule and especially when you’re running your own business. It’s up to you-the entrepreneur wearing enough hats already-to also become your company’s motivation guru. Here’s how.

Get some answers.
You need to find out what would make doing the job at hand desirable, worthwhile, possible, and/or intriguing enough to get you to do it. Ask yourself these questions:

What do you want to do now?
You may be willing to do a task later; you just don’t want to do it now.
When would you be willing to do it?
If you answered something like “February 2028” or “Never“, you may want to follow up with the next question.

Do you still want the task to be done?
Will the result be worth the effort? Does it really need to be done? Maybe your delay signifies that it’s not really necessary.

Are you willing to live with the consequences of not doing it?
Sometimes you have to say no in order to open yourself up to new opportunities. Is this the case?

What would you be willing to do?
There might be a “fun” or “easy” part of a project that you may enjoy doing. Once you get started you may find that’s all it takes to get you motivated enough to complete it.

Is there another way to get the work done?
You can always arrange for someone else to do it. Be aware that you may have to pay someone else unless they’re a close relative or good friend. And even then… the price might be steep.

How will you feel once the task is done?
Sometimes the prospect or visualization of getting it over with will activate you. I often give myself a little non-edible treat-like reading a long-anticipated book, buying a new much-needed item, or simply taking a leisurely cat nap when I complete projects.

Why don’t you want to do it?
You can permanently alter aspects of what needs to be done or change your routine to make the task more appealing.

How long would you be willing to do the task?
Sometimes doing a little at a time helps a lot. You can also see how you’re progressing; that’s motivation right there!
Just get up and do it already!
There are a number of ways that you can get out of the doldrums and stay on top of your game. The following methods are used by many highly successful entrepreneurs and business professionals from all fields (and by yours truly).

Surround Yourself with Positive Energy and Attitudes by acquiring and connecting with colleagues and friends who have similar interests and/or challenges. If there are none in your immediate area, network via the Internet through associations and other great groups.

Give Yourself a Break to refresh and recharge your energy. You work hard enough, so when you’re feeling tapped out, tap into something completely unrelated to the job at hand. Play with your kids or pets, meditate, take a walk, or pick up the phone and call a friend. It’s imperative that you take the time to relax because being under pressure is just part of the life of an entrepreneur. I often use the visualization concept and imagine I’m in a five-star hotel being waited on hand and foot.

Play Some Great Tunes and get caught up in the good feelings they bring. A favorite work motivator across all industries is music. I even play certain types for each day of the week and often work in tune with the song!

Feel ready to take on the world or just the top item on your to-do list? Using these methods may help you find the drive you need when you need it and your ability to get the job done may be just the motivation you need to take your business to the next level. 

Surviving a Job Loss

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While a job loss has many ramifications, dealing with the range of emotions it causes-from anger to anxiety to depression can prove to be especially difficult. It is perfectly normal to experience these reactions, for being unemployed is inherently stressful and it can also involve a grief process.

There are four basic stages of this:

Shock-a disbelief that this has happened to you
Anger-a feeling that you have been wronged
Mourning-sadness over the loss of friends
Acceptance-the desire to get on with your life

  Stress isn’t necessarily a bad thing. It can, in fact, be a powerful motivator, but at too great a level it can get in the way of performance. It’s all a question of how you manage stress.

  Here are a few tips on how to deal with job stress:

1.    Keep a hopeful outlook. What are the good things in your life right now? (Good health, strong friendships, and your car and home are paid off). Listen to other people’s stories of how they emerged from this situation and not only survived, but in some cases, became more prosperous because of it.


2.    Recall the ways you have successfully handled past hardships and draw on these same skills to meet and overcome current challenges. You will become a much stronger person; To paraphrase an old saying, “What doesn’t break you, will make you”.


3.    Help yourself by helping others. Assist others in need by volunteering. When you are not going to work every day, your sense of being useful and helpful can suffer. You don’t have to do it full-time, but volunteer work will restore and maintain your self-esteem and self-concept. You may learn some useful new skills, you’ll look forward to getting out of the house, and most importantly, this will get you out of any depression (You’ll become so involved that you can look at your situation in a whole new way).


4.    Make connections. Don’t isolate yourself. Seek social support from your family, friends, and others. Spend time with those who offer genuine support and connection.


5.    Maintain a daily routine. Keep up a regular schedule, including household chores, job-search activities, and getting out of the house. This will also help stop any pending depression or just sitting around, feeling sorry for yourself.


6.    Take care of yourself. Make the time to properly exercise, eat, and rest. Schedule some time to do things you enjoy such as hobbies and social activities. You may feel the need to stay in survival mode when you’re job hunting, but this can lead to burnout. And besides, you still need some “down” time. Looking for a job IS a job and can be harder work than an ACTUAL job!
  
    Getting your finances in order is absolutely crucial now. One of the first things you should do is to see if you are eligible for unemployment compensation. If you are, sign up for them as soon as possible. I would also go over any savings you may have and figure out how much you can live on for as little as you can afford. Make sure you have enough for medical expenses and be very sure to keep paying for your rent or mortgage, heat, light, and food (You need these to survive). You will still need a telephone and a car (or public transportation) to find a job. If your money situation is extremely tight, make sure you pay for these first.

  If someone owes you money, ask for it. If you have a skill like baking, giving lessons or tutoring, decorating, or “babysitting” for pets or the elderly, put an ad in the newspaper or pass out homemade flyers advertising this to generate extra money. Sell off those items around the house that you no longer use that others need and will gladly pay for.

  Stop using your credit cards for now and start paying with cash. Create a weekly menu for all your meals. Start clipping and using discount coupons. Buy those store brands! (Did you know that we spend 14 percent of our total income on food? And almost half that amount is spent in restaurants, snack bars, vending machines, and fast-food places.) Eat at home or bring a brown bag lunch; it’s more nutritious and only a fifth the cost.

  Stay away from the malls. If you absolutely MUST go, bring a list of the things you truly need, with only enough cash to buy what’s on your list.

  Did you know that we often can spend more than $100 a month just on entertainment; movies, video rentals, cable television, hobbies, and other recreation?  Trim the entertainment.

  And don’t forget to turn off the lights and television when you’re not using them. Close the door. Put a full load in the washer and dryer. Set the thermostat to 68 degrees and put on a sweater. Use a fan (instead of air conditioning) when it’s hot. These simple actions will save you from higher utility bills, which you don’t need right now.

Sometimes a job loss can often turn out to be a greater opportunity than if you had continued with the company. By doing the abovementioned tips, you may find yourself being offered a better position or end up starting your own business.

Work Like a Cat (on location or remote)

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Whether at work in a physical location or remotely at home, adopting a few cat traits can teach you how to manage stress, develop independence, and live life on your own terms.

Here are a few examples:

Be free as the air and do only what you have chosen to do. Work only at jobs that fulfill you; heed only your own counsel, and pursue your true desires.

To maintain your inner calm and peace, identify the source of your stress, deal with the issue thoroughly, then let go of it for good-don’t ruminate or brood-and calm will return.

Know how to assert yourself calmly, and defend your space at the first attempt at intrusion. You deserve more than a walk-on part!

Wisdom is not a subject that can be learned or taught. It is a state, a stance that requires a step back from the agitation of life in order to comprehend it better in its universality. The wise person knows how to sit on the moon in order to gaze at the earth, just like the cat sits on the roof to observe the moon.

Emancipate yourself from other people’s views of you. To your own self be true.

Learn something new every day.

A cat is independent; it’s one of their main characteristics. But yet by our very nature, we can not be totally independent, as cats are (people have always leaned toward living in groups). Despite everything, we all have an interest in regularly taking into account the degree of dependence and independence in our lives, so we’ll ask ourselves from time to time:

How financially independent am I?

Do I alone determine my life’s major directions or are they determined by the needs of my partner, parents, or children?

To what extent am I dependent on my work for the money it brings in? Am I so much in debt that I have no other choice than to rack up overtime, spending weekends and holidays working?

Am I obliged to put up with my boss’s moods in order to keep my job, even though there’s a better position waiting for me elsewhere if only I were to allow myself to apply for it?

We can not live independently like a cat, but we owe it to ourselves to correct certain tendencies that can evolve, often without us realizing it.

Work to recapture a substantial part of independence in all areas, and you will win your freedom.

Learn to be served like a cat (they know how to delegate). Knowing how to delegate is key in the workplace (and in other areas as well); many company directors and other managers are incapable of trusting others and delegating, so they spend far too much of their time checking and validating their employees’ efforts. This can create a “mothering” culture where employees will want every minute detail of their work checked and approved. The result is wasted hours and excessive work for the boss. Effective delegating will develop time for yourself, to do what you like, rather than constant monitoring.

Regularly creating your own calm (cats love calm!) conditions creates the conditions for your well-being and is the best solution for avoiding ulcers.

Learn to say “no,” as a cat does. Don’t take on tasks that are not part of your job description with such regularity that your colleagues and superiors come to expect it of you, with no financial compensation for the extra workload.

Cats are natural bosses; a catlike attitude is very well suited to a professional context. Consider:

Be efficient when necessary and deal with problems immediately.

Always be watchful without being noticed.

Be responsive if needed and make that special effort.

Don’t spend your energy unnecessarily; also, ration your work.

If you’re the boss, be like a cat by always maintaining a firm yet benevolent attitude, encourage with a glance, and be present.

A cat is tenacious.

Be patient and tenacious in everything you do. Never give up!

Cats are always cautious.

When there’s a doubt, there’s no doubt. Follow your instinct!

And here’s a bit of extra advice from the resident “cool cat” of TV’s Shark Tank, Damon John:

Being broke can actually fuel success as an entrepreneur.

Why?

It forces you to think more creatively, use your resources more efficiently, connect with your customers more authentically, and market your ideas more imaginatively.

It forces you to be true to yourself, stay laser-focused on your goals, and come up with innovative solutions to make a meaningful mark.

Sources: “How to Think Like a Cat” by Stephane Garnier, 2018 and “The Power of Broke-How Empty Pockets, a Tight Budget, and a Hunger for Success Can Become Your Greatest Competitive Advantage” by Daymond John (with Daniel Paisner), 2016

(Online) Job Hunting

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My initial impression of job hunting online for a work-from-home position was that it would be easier.

In one aspect it is when it comes to commuting; there’s no running all over God-knows-where trying to get to a certain place, or worse, trying to find it when you have no clue where you’re at or don’t know the area. At all. And then there’s that hour-long (or more) stretch getting out there and then going home. Yecch!

But in all other regards, online job hunting is still a tricky process. Being positive you meet most, if not all, qualifications doesn’t mean you’ll get the job (and you should, or at least be a serious candidate). What exactly are employers and recruiters really looking for?

Here’s an example of some “qualifications” that are absolutely stunning in their complexity and complication. It’s for the position of Content Marketing Writer:

Responsibilities

  • Working with all division consulting practices and industry vertical areas to write, edit, update and maintain the content, including: web content, emails, newsletters, online advertising, case studies, whitepapers, thought leadership works, research reports, bylined articles, press releases, social media posts, product brochures, datasheets, direct mail, video scripts, presentations, ads, internal communications and other materials as needed
  • Integrating key messaging and positioning, and ensuring accuracy, quality, and consistency of corporate standards for thought leadership and marketing communications materials across all global regions (Americas, EMEA, APAC)
  • Bringing and applying business acumen while working with practice marketing managers, subject matter authorities, and regional marketers as well as conducting interviews to gather information, write and edit content to support divisional content strategy
  • Working with the Communications team to write, build content, peer review internal communications, leadership communications, external media pitches, press releases, external op-ed pieces, divisional media responses to evolving/emergent situations/crisis communications
  • Representing the divisional marketing team in interdepartmental projects such as sales meetings, company intranet redesign, and corporate rebranding
  • Other duties for this role will be assigned
  • Bachelor Degree
  • 2 years of related experience

Desired

  • Marketing copywriting experience
  • Experience in editing and proofreading all types of copy for all types of platforms
  • Bachelor’s degree in Journalism, Marketing, Public Relations, Communications, or related field
  • Five to seven years of relevant experience in business-to-business (B2B) and/or consulting marketing, public relations, and/or communications
  • Proficiency in Microsoft Office applications (Outlook, Word, Excel, PowerPoint, etc.)
  • Excellent, customer-centric oral and written communication skills, with an emphasis on grammar, copywriting, and proofreading
  • Writing samples demonstrating effective brand-sensitive marketing communications required
  • Marketing copywriting experience

Skills & Experience

  • Excellent writing skills, both technical and narrative
  • Strong business acumen and ability to develop and articulate complex value propositions in the consulting space
  • A creative mind with a strong design aesthetic
  • Experience developing content for marketing programs that resulted in increased brand visibility and sales leads
  • Experience gathering details on market dynamics, client needs, and technology, and demonstrating this knowledge to build compelling content that highlights the value of a product or service offering
  • Equally strong communication skills working with subject matter authorities to produce articles and white papers
  • Excellent time management & interpersonal skills
  • Employee benefits and/or HR consulting industry experience strongly preferred

Personal Attributes

  • Impeccable eye for detail and ability to meet deadlines
  • Highly motivated with a strong work ethic; able to operate independently and with minimal supervision
  • Ability to work and interact efficiently and optimally across multiple marketing channels in a collaborative environment
  • Ability to handle pressure, prioritize and handle multiple projects simultaneously and accurately, to meet tight deadlines
  • Proven ability to multi-task
  • Analytical and creative problem solver with excellent time-management and problem-solving skills

U.S. Eligibility Requirements

  • Apply online to be considered
  • 18 years of age or older
  • Any offer of employment is conditioned upon the successful completion of a background investigation
  • Unrestricted work authorization to work in the United States is required. For U.S. employment opportunities, Gallagher hires U.S. citizens, permanent residents, asylees, refugees, and temporary residents. Temporary residence does not include those with non-immigrant work authorization (F, J, H, or L visas), such as students in practical training status. Exceptions to these requirements will be determined based on the lack of qualified candidates with a particular skill. Gallagher will require proof of work authorization
  • Willing to execute Gallagher’s Employee Agreement or Confidentiality and Non-Disclosure Agreement which requires, among other things, post-employment obligations relating to non-solicitation, confidentiality, and non-disclosure.

What I find amazing is the sheer number of qualifications and responsibilities needed for this one position (it’s actually intimidating!). And I’ve often wondered: If you have several years of experience, why wouldn’t that be considered the equivalent of an Associate or Bachelor’s degree? And I’ve also wondered: Is this done to keep people out of a job? Or to discourage them from even trying? It could well be a combination of both.

Through it all, I always try to keep and maintain a positive attitude; it’s not easy, but there’s the saying, “Sometimes you have to get a thousand NOs before you get one YES,” “Sometimes you have to kiss a thousand frogs before you find a prince,” or something to that effect.

And for each accomplishment, whether it’s a major move or a “baby step“, give yourself a little reward (or a big one, if you prefer).

It doesn’t have to be food; rewards can vary from making time to catch up with your reading (a personal favorite) to taking 10 more minutes for a nap or checking out a new product from the store.

You’ll start looking forward to not only getting things done but also giving yourself rewards along the way.

“They” say that the best time to get a job is Wednesday morning (would that even apply if you’re online?). Personally, I’ve found that it makes no difference whatsoever as to what day or time, whether online or in person. Unfortunately, getting hired, even currently, can depend on a ton of variables that often have nothing to do with what should be the main and only factor: Your ability to get the job done.

A daily to-do list is still good, either online or written. I personally do a weekly one, because if I don’t get a task done that day, there’s still leeway to complete it within that week (and there’s less pressure!). Even online, it’s still a good idea to keep tabs on frequent updates as they happen (there could be a slow period; several weeks of nothing. Then suddenly, two days or a week of intense activity! You just never know; it’s the “variables” at work, so to speak.)

To Be Continued…

Money Making Abilities and Skills by Astrological Sign-Part 2

Posted in Business, Food/home improvement/business by

Libra-They will take time to get things right and are usually honest in business. Libras are often in a partnership, a great promoter of ideas, and build a good network of contacts.

As an employer, a typical Libra is extremely restless but unhurried! They’ll consider everyone’s opinion before making decisions. These bosses will come up with unusual answers to problems, are experts at analyzing situations, with strong opinions on finance. And they believe they have the best policy.

As an employee, a typical Libra will belong to a union, give and expects a fair deal, and is a great mediator when dealing with personality differences. They can be moody but are not nasty, and they talk a lot but do not gossip. And they need rest breaks!

To Libras, wealth means luxury.

Scorpio-This sign will eventually know all their fellow workers’ secrets! They can also sense other people’s moods. Scorpios will excel as team leaders and will appear to be calm in all situations.

As an employer, a Scorpio wants total loyalty; they’ll even be concerned and compassionate to workers’ families, regarding them also as part of the team. These bosses confront problems directly, will solve even the most difficult problems, and do anything to help someone they like. But they’ll never reveal the deep extent of their competitiveness.

As an employee, Scorpios are self-motivated, know what they want to achieve, do not waste time, and are not clock-watching. They are tenacious, intense, and career-minded. These workers will take any amount of criticism from someone who has something they want and will accept failures as inevitable only when the odds are overwhelming.

For Scorpios, wealth is access to power and corporations.

Sagittarius-Saggies need a challenge, even if they’re working the dullest, most routine position. They’re also versatile and need intellectual and physical exercise. Saggies may have two jobs; they need to do several things at once (They’ll get tired only when bored).

As an employer, a Saggie may be very blunt and expects people to be straightforward. They have a good sense of overall planning but may overlook details. They are kind and understanding but can be erratic and hard to tie down. Saggies are generously cheerful, can promote anything very well, and can boost morale. They’ll fight for what they believe is right.

As an employee, Saggies work best when they’re allowed to work at their own pace (usually fast!). They’re cheerful and do not complain, will boost everyone’s spirits, are enthusiastic, willing, and usually ahead of everyone else. Saggie workers are interested In current pay, but not in long-term career plans.

To a Sagittarius, wealth allows them to take gambles and risks to forge into uncharted businesses and to back up their vision with action.

Capricorn-This sign will work hard and for long hours; they also like to have some “homey” comforts at their workplace to enable a clothes change for another appointment, or to do an all-nighter if needed.

As an employer, Capricorn will not neglect their family life; family members may visit at work. These bosses are kind, but follow the rules! They also work very hard and have a strong sense of duty. They’re not into perks but will help when people are in need. Responsibilities are taken very seriously; personal needs may be ignored. Complex organizations will be kept running smoothly. They are also conservative dressers and are well organized.

As an employee, a Capricorn will arrive a little early and leave late. They’ll work steadily and quietly, staying with the same company for a long time. This sign is dependable, can carry huge workloads, and will mind their own business. Capricorns occasionally will reveal a wry sense of humor and has respect for authority and the elderly. They’re conscientious and always aim high-for the power, not the glory, however. And they’ll expect a salary that reflects the type of work done.

For Capricorn, wealth means large sums of money-preferably cash-that they can put their hands on at any time.

Aquarius-They enjoy working with a group. They don’t like the routine; Aquarius enjoys variety. And they usually like using their mind, but don’t like decision-making.

As an employer, this boss is fair and will pay their employees exactly the job’s worth and are generous to anyone doing extra-special work above and beyond. They expect a day’s work for a day’s pay and don’t like any form of dishonesty. Aquarius will carry out the role of the boss with their sign skills of quick thinking and shrewd analysis. They’ll give employees all the rope they need (even to hang themselves) and will not forgive lies or broken promises.

As an employee, Aquarius can be aloof, but will still gather a large circle of friends. They’ll regularly go off on a mental exploration of future possibilities, returning with very creative ideas and bringing a fresh approach to any task. In their early years, an Aquarius will change jobs frequently, but later they’ll settle down and stay with one company. Aquarius workers are courteous, conscientious, and have a knack for sensing machine malfunctions.

To Aquarius, wealth equals freedom, especially to say “no”.

Pisces-This sign enjoys work that offers freedom of expression, which for Pisces usually means working alone or in a self-directed position. If Pisces is working in a team, they’ll prefer an occupation that allows for frequent changes and adaptations. They don’t like working in a team that has a strict routine.

As an employer, Pisces will serve people rather than accumulate power; in organizations, they’re more likely to be there as a director rather than as a regular boss. They’re also a shrewd judge of character, unconventional and creative, but values the conventional and well-organized; they’re needed to back up their ideas.

As an employee, Pisces will need work where there’s a lot of outlet for creative imagination and human understanding; if one or the other of these needs are not met, Pisces will be depressed, useless, and lazy. They are very impacted by their surroundings; they’re loyal workers if they’re happy.

For Pisces, wealth means luxury.