DESPERATION WILL DOOM YOUR JOB SEARCH

Desperation Will Doom Your Job Search

Enthusiasm about a potential job is a good thing. But enthusiasm, if expressed incorrectly, could be interpreted as desperation. Your resume or cover letter could then end up in the trash, and that's not a good thing.
Recruiters say they have seen people write things like, "I'll be waiting by the phone, "or "I'm very eager to start" -- both of which can sound desperate. Polite and professional is the better way to go.
Reflect First, Be Truthful
Put yourself in the shoes of the employer when writing your cover letter. Try and understand what the employer is looking for while reviewing cover letters and resumes. The employer will select candidates with qualities that will be the best fit for the company.
"I really need the money" shows the employer that money is the top motivation for that person. Most likely, this statement will not match employee qualifications the company is seeking.
No matter how badly you want a position, do not fib or fabricate on your cover letter or resume. You may have found your dream job posted on a job search engine, but that does not mean you are qualified for the position. If you don't meet all the requirements posted, wait until you have more experience in the areas requested. When the time comes to move into a similar position, bring that enthusiasm with you!
Do Not Blast Resumes
Job seekers who blast out unsolicited resumes annoy roughly 63 percent of recruiters surveyed by ResumeDoctor.com. No matter how badly you need a job, make sure that company is hiring.
If there are no job postings listed on a company's web site, it is OK to call and inquire about vacant positions. It is not OK to send a resume if the employer apologizes and indicates there are no open positions at this time.
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Follow up with Restraint
Following up is a must in the interviewing process. It lets the hiring manager know you have a genuine interest in the position. It is standard to give the hiring manager a call about a week after the interview to inquire about the status of your application.
Phoning the employer more than twice a week to follow up most likely will not be perceived as aggressive or taking the initiative. It will most likely annoy the employer and may hurt your chances of getting hired.
One Size Doesn't Fit All
A common misconception of a desperate job seeker is they can fit in at any company. Rushing through the job search without doing your research just for the sake of landing a gig is counterproductive. If you made it through the interview process and were offered a position, the first day or week would be a surprise.
Researching all opportunities will prevent the shock factor

TEN TRAITS THAT MAKE YOU FILTHY-RICH

Ten Traits That Make You Filthy-Rich

Saving money isn't all about whether or not you know how to score screaming bargains.
It has more to do with your attitude toward money.
Just think of those who don't fit the filthy-rich stereotype. People like Warren Buffett.
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As explained in the book The Millionaire Next Door by Thomas J. Stanley and William D. Danko, personal finance has as much to do with people's traits as it does with money. Many millionaires, in fact, have frugal ways.
Understanding how personal traits can influence your finances is an essential ingredient for building wealth.
Here are 10 key traits:
1. Patience
Patience is one of the most important traits when it comes to saving money.
This means waiting until the first wave of product hype has passed, keeping a car for an extra few years before getting another one and waiting until something you want fits into your budget instead of putting it on credit.
Patience is often the difference between creating savings and being in debt. Having the patience to wait until you find a good deal is a cornerstone of good finances.
2. Satisfaction
When you're satisfied, there is no reason to spend money on nonessentials. The sole purpose of commercials is to make you believe that buying a product or service will make you happier, wealthier, better looking or improve whatever isn't bringing you satisfaction.
People spend because they want to capture the excitement shown in advertisements. When you are satisfied with what you have and your life (not trying to live like those on TV), your finances will be in a lot better shape.
3. Organization
Being organized can make you more productive and ensure that all the many issues pertaining to personal finances are addressed.
It means not paying late fees, not buying two of everything, knowing deadlines that can affect your finances and getting more done in less time. All these can greatly benefit your finances.
4. Discipline
You need the discipline to continue to save money for specific, long-term goals every month.
Personal finance isn't a way to get rich quick, but is a disciplined execution of your lifetime plans.
5. Reflectiveness
It's important to be able to look at your financial decisions and reflect on their results.
You're going to make financial mistakes. Everyone does.
The key is to learn from those mistakes so you don't make them again, or recognize if you keep repeating them.
6. Creativity
The economy and our earnings don't always match our expectations.
Unexpected developments wreak havoc to elaborate financial plans. When this happens, changes are needed to deal with the new circumstances. Creativity is essential to accomplish this.
Creativity allows you to make something last longer rather than purchasing it when you don't have the money. It means juggling money to stay out of debt rather than simply paying with a credit card. It means finding a cheaper alternative when money is tight.
In these ways, creativity plays a large role in keeping finances in order.
7. Curiosity
Having curiosity helps you learn, study and improve yourself.
The curiosity of wanting to know more, to take the time to study and then take what is learned and put into practice is an important process that is driven by curiosity.
8. Risk-Taking
To build wealth, one needs to be willing to take risks. This doesn't mean uncalculated risks. It means weighing all the options and taking calculated risks when appropriate.
The stock market has risks involved, but over the long term, history shows that it provides good returns on money that is invested wisely. Those who fear risk altogether end up saving money in accounts that likely lose money to inflation in the long run.
9. Goal-Oriented
The importance of setting and working toward goals is obvious. If you don't know where you are going, it's difficult to get there. It helps your personal finances immensely if you have money goals and are motivated to reach the goals that you have set for yourself.
Those who lack goals don't have a road map to take them to the financial destination they want.
10. Hard- and Smart-Working:
Creating wealth and staying out of debt rarely comes about without a lot of hard work.
Many people might hope that the lottery will solve all their financial problems. The true path to financial freedom, however, is to work hard to earn money while educating yourself to continue to have more value and increase your salary.
You may not possess all of the above traits. But knowing them can help you make changes so that you nourish the ones that you have and obtain the ones you're missing.
Ultimately they will help you with your personal finances and create a plan to accumulate the wealth you desire

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