Category — Money

There are plenty of available jobs in the market, and there also are a lot companies recruiting right now, but it is possible that those job openings are never advertised or published in newspapers or on the Internet. Further, important or high-rank job openings are rarely advertised. How to approach this hidden job market? Certainly, it’s not enough to investigate listings of job openings. The key is word-of-mouth or networking.

Networking means building a list of contacts. Contacts are people you’ve met during your business or social activities. More often than not, such friends and acquaintances will provide you information about job openings, companies and industry leads. Moreover, they’ll introduce you to other so that you can grow your network. Therefore, it is important not only to inform them about your job search, but also give them some résumés.

This list will provide some hints about the people and organizations we should include in our network:

• Relatives
• Friends
• Recruiters
• Former Employers
• Neighbors
• Professional Organizations
• Other Job Seekers
• Academic Contacts (School, University)
• Business Associations
• Merchants

Organizing your Network of Contacts

Please, organize your network. Save information about your contacts in a spreadsheet or a database. Include their names, titles, company, address, phone and fax numbers, and email. It’s also important to register a few notes about the way in which any of your contacts is valuable, for instance, what do they know?, who can they refer you to?, and so on. Further, organize their business cards.

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Typically, the first prerequisite for a sound job application is a well-redacted and organized Résumé (a document closely related to the Curriculum Vitae, but the latter focuses more on education, publications, and other accomplishments). A shining résumé can move you to the first places of a list comprising perhaps hundreds of prospects. Therefore, your résumé should list your germane abilities according to the job you are applying to… remark those abilities that would guarantee a star performance in the job. Remember that you are the ultimate responsible for highlighting your attributes to constitute a valid option to integrate the new team that the company is forming. However, a good résumé is not a guarantee of success, but it indeed is our presentation letter, and it may be the deciding factor in the employer’s final decission. Often the résumé is processed by the employers in order to select a group of applicants for interviewing them. Thereby, our résumé has to grab the employer’s attention positively. Our résumé has to be professionally elaborated, and reflect clearly, concisely and attractively the information about our academic and professional achievements. A résumé is our marketing letter… and our first goal has to be that the recruiters or prospective employers can’t put down our résumé.

Let’s see how recruiters or prospective employers will not put down our résumé.

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The Net is full to bursting of sites about how to make money online. But what we really need to know about making money is this: Making money is not easy and All we need to make money is common sense and a well-planned approach to work. But those two points are a secret to no one. Nevertheless, it’s very frequent to find websites and blogs bragging about how much money their owners are making. And they are earning a lot with just an Internet connection, a deluxe Apple laptop, and some coconut water in a paradisiac island. You may win up to 250K, monthly! You can be as rich as them! You only have to follow their techniques, and of course, to buy their books and videos to learn how to be a successful “entrepreneur”. Utterly nonsense. Thanks to the Net, to be a “guru” is easier than ever. I’m no “guru”, so bear with me.

I do strongly believe that blogging is about living (in the net, that is), not about bragging. These undoubtedly clever guys nourish from the naivety of some people. For them, it’s a perverted kind of pleasure to read about “how to make tons of money online.” They say: “Look! This guy is making so much money with just a web page!.” Their natural reaction, of course, is “I can do better!.” Some have quit their jobs to pursue the role of “entrepreneur”. To have the motivation to improve is nice and all, but it’s even nicer to have a clear and down-to-earth mindset. We can win money. Yes. We can. We have all the required abilities. But we’d be better off if we take every net’s thing with a bit of salt. Building self-confidence demands taking risks… but illusory, unattainable goals knock-off self-confidence atrociously.

Being an entrepreneur requires a clear vision about the business we want to undertake. Being an entrepreneur needs courage and accepting risk. But above all, being an entrepreneur requires good capacities for planning and self-discipline. Entrepreneurs have the abilities for being their own bosses. And not everyone is prepared for that. And it also requires courage to be able to accept our current limitations. But if you believe in yourself, you can overcome any of these obstacles.

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We are already accustomed to financial media regularly releasing statistical reports and rankings of the people that lead and have accumulated an important allotment of the world’s money. For instance, Forbes magazine published its annual Japanese ranking a few days ago. For most of us, it’d be wonderful, impressive, and even magical, to someday read our names in such lists. A lot of people only dream of being there. But reality often reveals otherwise. Sometimes, it’s just a matter of luck, or inherited fortunes. But we’ll disregard such cases, as uninteresting for analysis. The norm is that becoming rich requires plenty of sacrifices, and above all, extraordinary efforts. It’s not easy. However, it’s not impossible to reach such goal. Powerful souls set exceptional goals.

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Yummy… a pizza with onion, green pepper, mushrooms, olives, plenty of tofu and a bit of minced fresh garlic. Tasty! Oh, and I have to buy my new laptop. Well, for all these things and little pleasures there’s the credit card. I prefer to pay with my credit cards as I dislike the notion of acting like an ambulant cash dispenser However, using credit cards requires control and knowing well the “policies behind the card” (the rates, the limits, how the credit reporting system works, etc.) Managing and using credit cards is just a matter of applying good sense.

That said, I have some friends that abuse their credit cards usage. They charge a lot! They go nuts because they feel like they work pretty hard and should be able to do that sometimes. The problem is not that they cannot afford the payment or cannot pay it off. The problem is that most of their purchases are frivolous things they really don’t need. Surely, they work hard and they deserve to enjoy the fruits of their work. But they are not enjoying anything by acquiring a bunch of unneeded objects. On the contrary, they’re wasting their money. The only thing that such frantic credit card usage satisfies is the desire of material possession. Do we indeed work so hard only to crumble under such lame desire? When we are going to use our credit card we always should examine the actual reason behind the purchase. Review carefully your financial state… are you paying a house, a car, a small loan? Then try not to acquire more debt. Moreover, if we have a short or troubled credit histories we must try to do things right. Pressure of extreme debt is what leads to desperate and dangerous measures such as payday loans, for example. Really dangerous. Calm. Relax. Think. Good sense, remember? Life is beautiful.

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Saving refers to the preservation of money for future use. Such future use might include capital and goods purchase (house, transport, vacations, etc.), emergencies, and miscellaneous expenses. Strictly speaking, saving is the difference between our income and our consumption expenditure. Besides, saving is our main tool to cope with mortgages, credit card debt, extraordinary bills, and other loans. Without savings, such debt and expenditures may sharply erode our personal finances. Saving also allows for harnessing sudden investment opportunities and to gain access to quality services. All in all, saving is a fundamental aspect of personal finance.

Money has to be tightly controlled. We must know where money comes from, and where it goes to. We must strive to know the way our money flows, the paths it travels, and the drains taking most of our income. By closely watching our money’s nature, we’ll learn to control it. Control is a keyword of personal finance. Control refers to checking the errors we are incurring with our money’s management, and to take the corrective action to rectify any deviation from our desired goals. Setting goals is other important requirement for saving, and it answers the question what are we saving for ?

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What is your relation with your money? Money is a necessary thing, and to have and to win money is not a sin (rhyme intended ). On the other hand, to live for money is not only a sin but a stupidity. We, as integral human beings, are of much more value than any material concept. This is something I insist a lot in my business seminars: look for money, but never lend your heart to money. In other words, win money, but don’t let money to win you.

Who are the Winners?

Winners are fortunate people, indeed. But except for rare cases, most of their fortune stems from hard work, and more importantly, from a sound and clear mindset. Winners have no time (nor wish) to be moaning about the “harshness of life.” Winners don’t complain about such things, because they understand that life, like a river, exhibits turbulent episodes in some parts, but caress and nourish the surrounding nature, all the way.

Positive Attitude in The Winners’ Mind

Nevertheless, all these years I’ve known a lot of people who are frequently bitching about their lack of money or general misfortune, but what they are indeed lacking is a positive attitude toward their money. Now, what does this “positive attitude” notion mean? Let’s start by answering a few questions:

• What really are the kind of thoughts that flood our minds when we think of our money?
• Which are the words we utter when speaking about our money and related things (such as mortgage, bank, expenses, etc.)?
• In the past, how much success have we attained by spending and investing our money?

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