Be the master of your disaster

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

You have a lot in common with GM and Chrysler: “50% of Americans today say they are dissatisfied with their jobs, up from 40% in 1995,” according to the Conference Board.

Being unhappy at work has nothing to do with the quality of work available. It has everything to do with your fear and inability to decide to go after what you want. Economic uncertainty is the perfect opportunity to seize control of your career. Why? Because you have little to lose.

You know everything you need to know now. However, what you don’t have is the ability to make a decision in the face of uncertainty. You will never get more certainty. The time is now. There is no tomorrow.

It’s called progress. To have progress you must suck first. The single greatest lesson you must learn is that there is no right choice for you. All decisions have opportunities. Pick the one that seems the most interesting at the moment.

First, you must die. GM and Chrysler have died. A definition of death is the termination of something. For years, these two companies knew that their old way of doing business was not sustainable. But they could not change. You also know, deep down, that you cannot continue on much longer being uninspired at work. It’s killing you. The solution is career bankruptcy.

A Morgan Stanley study found that returns were strong for companies that emerged from bankruptcy from 1980 through 1993, the last period of multiple recessions.

Covad, a company recently declaring bankruptcy, said its restructuring will “make the company virtually debt-free while putting it in a better position to obtain the additional capital necessary to achieve profitability.”

In other words, a rebirth. A second chance.

But how do you get reincarnated. Let’s look at GM. Never in my life have I ever wanted to own a GM car. After researching gmreinvention.com, I was actually inspired to consider them. Why?

They see this as an opportunity to recreate and reinvent a better product. GM CEO Fritz Henderson said it quite beautifully: “We will get the job done and do it once. We will start over and get stronger.”

A great line in the commercial is: “…The only chapter we are focused on is chapter 1.”

But starting over is too risky, right? Let’s look at the risks in your life. Your risk is that you will lose what you have. Is it all that much? Imagine you shifted your focus on the opportunity that existed if you changed your life? Is it possible that the true risk is continuing your life as is? What do you risk losing if you do not change? Your energy, your enthusiasm, your dreams? Your greatest risk now, is the status quo.

A new life is calling you. One that you yearn for deep down.

Poll question: If you could reinvent yourself, what would you do differently with your career? Send your answer to the e-mail below. The most inspiring answer may get published.

Remember: Every master was once a disaster. Failure is your teacher.

E-mail your question to: info@Dr-Career.com. Visit www.Dr-Career.com for a free download. Listen to Career FastTrack “Live” Mondays at 5:30 p.m. on CiTR 101.9 FM or online at citr.ca.

U.S. jobless rolls drop sharply to nearly 6.7M

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

By CHRISTOPHER S. RUGABER, THE ASSOCIATED PRESS

WASHINGTON — The total number of people on the unemployment insurance rolls dropped for the first time since early January, the government said Thursday, while new claims for benefits rose slightly.

The Labor Department said the total unemployment insurance rolls fell by 148,000 to 6.69 million in the week ending June 6, the largest drop in more than seven years. The decline is a sign that layoffs are easing.

The drop also breaks a string of 21 straight increases in continuing claims, the last 19 of which were records. A dip in continuing claims several weeks ago was later revised higher.

The department also said initial claims rose 3,000 to a seasonally adjusted 608,000 last week, above analysts’ expectations. The four-week average, which smooths fluctuations, fell by 7,000 to 615,750. Continuing claims data lags initial claims by one week.

The drop in continuing claims could signal a slowing in the rise of the unemployment rate, which reached a 25-year high of 9.4% in May. Many economists forecast the rate could reach 10% by the end of the year. Continue reading.

Career on the rocks? Go your own way

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

Feel like your career is on life support? You are not alone. There is a cure.

“I was let go six months ago and thought it was the end of the world. After doing some soul searching, I realized that I am an entrepreneur at heart. My concern however is that with the economy, is it a bad idea to start a business during the recession? What do I need to be aware of in this recession to not only survive but thrive?”

According to Ideacafe.com most businesses start and fail not because of a lack of market opportunity but because a lack of vision.

I recently conducted an interview with the CEO of 1-800-GOT-JUNK? Brian Scudamore. He runs an incredibly innovative junk removal service. His company was ranked as the second best workplace in all of Canada by Great Place to Work Institute Canada.

He is also a very nice and generous person with his time and I wanted to feature his company in an article. A special thanks also to Tania Hall, senior PR manager at the company for identifying the company’s top five tips:

1.  Clear Vision: A vision is a clear picture of how your business looks, acts, and feels at any time. Knowing where you’re headed, regardless of the maelstrom of change around you, is a sure fire way of reaching your goals.

2. Smart Marketing: It is a mistake to begin penny-pinching the marketing budget when the economy is on the downturn. Brand awareness is more important than ever! Some strategic scaling back may be necessary, but the money you spend to raise awareness about your business now will put you top-of-mind for your customers in the future.

3. Customer Focus: Maintaining a strong customer focus is essential during hard economic times. Regular evaluation of customer satisfaction is important, but when people are cautious about spending, businesses must work extra hard to earn their trust. Now is the time to show your customers why they need your business. For example, at 1-800-GOT-JUNK?, we are currently using the Net Promoter Score (NPS) system, which gives us detailed information about our customers’ experience and enable us to provide a better service.
Click here to find out more!

4. Great People: Great people drive a great workplace culture, which in turn can achieve miracles. It takes time to cultivate a work environment that’s full of passionate, hard-working people who really love their work, but the investment in finding great people is always worth it. When times are tough, great people are committed to doing the work needed to achieve success.

5. Stay Positive: Keeping a positive attitude is crucial to an entrepreneur’s success during a recession. People look to you as their top role model at work. Lead by example and even when there’s sobering news to impart, always ask your people: What lesson can we learn from this?

Entrepreneur Contest: The president that sends me the best company vision will win an opportunity to promote their business on my show Career FastTrack. Entry deadline is June 19 at 5 p.m.

E-mail your question to: info@Dr-Career.com. Visit www.1daydreamjobchallenge.org for a free download. Listen to Career FastTrack “Live” Mondays at 5:30 p.m. on CiTR 101.9 FM or online at citr.ca.

a special invite to join the Science of Getting Rich

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

Dear MPLOYR readers,

I want to invite you to something really
special.

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A couple of years ago, back in 2007, I
made a decent amount of money from this
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called the Science of Getting Rich
(sounds like something the market would
like to have right now, doesn’t it?).

So boy, was I glad to see Bob Proctor and
his team relaunch it!

http://partners.thesgrprogram.com/affiliates/signup.php?m=1544dd9f

I’m signing up again because I know it will
be another success. (I mean, we ARE talking
about a powerful product from Bob Proctor,
Jack Canfield and Rev. Michael Beckwith)

And I want to personally invite you to jump
on the bandwagon.

They have a great affiliate plan. And it’s
so, so easy.

http://partners.thesgrprogram.com/affiliates/signup.php?m=1544dd9f

The pre-launch date is April 14th, so hurry
to get your head start.

Cheers,
Eugene Gregorio,
Founder & CEO of MPLOYR

PS: Oh, and did I mention it’s a 50%
commission 2-tier program? Plus, there’ll
be an additional ONGOING 50%
commission on a new continuity program
they’ve got. It’s a beauty!

http://partners.thesgrprogram.com/affiliates/signup.php?m=1544dd9f

Three ways women can make more money

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

Feel like your career is on life support? You are not alone. There is a cure.

“I worked in the advertising industry for 11 years and rose in the ranks. I was very good at my job and got promoted to a role where I was surrounded by all men.

I recently was let go and I am convinced it is because I am a woman.

Do you have any advice for women in the workforce?”

In 190, men made up 80% of the workforce and women 20%. As of March 2009 in the United States, women made up 49.7%.

Women are working more, but they are making less.

You’re only going to see this announcement once (ever), so please read every word very very carefully. It’s really that important. To all women, I want to invite you to something really special. Click here.

According to the Canadian Labour Congress, “the gender wage gap in Canada has remained stuck since the mid 1990s at one of the highest levels in the advanced industrial world.”

Most recent figures show that women make 7.5% of what men make in comparable roles. These are the facts.

However, I wish to share three anecdotal lessons I learned from three women and how women can make more money:

- Ask for more money:
A human resources manager I had on my radio show told me that about 90% of people do not negotiate their salary or ask for a raise.

What was even more shocking to learn was that she expected most people to ask for more money.

Women in her experience, were less likely to do so. This could explain par of the reason why women make less money then men.

Managers have greater respect for employees who stand up for their monetary worth.

Both men and women are qualified to ask for more money.

- Strut your stuff:
You do not have to be a man to succeed. n 2007 I met a very powerful and successful real estate broker, an industry dominated by men. She told me that many women she meets try to ignore their feminine side. She said this is a mistake.

Women have an innate ability to relate to people and a keen sense of intuition.

She went on to say that ambition and drive are normal human traits for both men and women.

- Network
A partner at a large accounting firm successfully rose through the ranks of her company. She was talking to me about the greatest barrier women face in reaching her position: Networking.

She said women are less likely than men to attend evening company networking sessions due to family obligations.

These networking develop the relationships with senior management and be on the promotion track.

If you are a woman and experiencing a gender wage gap, we would be very interested in hearing your story. Please email us.

Email your question to: info@Dr-Career.com. Visit www.1daydreamjobchallenge.org for a free download.Listen to Career FastTrack “Live” Mondays at 5:30pm on CiTR 101.9 FM or online at citr.ca.

99 Ways to Skin a Cat

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

It seems like everybody has their own theory on how to survive the recession. Just some of the kind of stuff you’ll see across the internet and blogosphere is advice like:

• Protect your job
• Move while others are distracted
• Earn extra money
• Evaluate your mortgage
• Refinance high interest credit cards
• Reduce spending
• Haggle your way to savings
• Conserve and reduce your energy bills
• Avoid taking on any unnecessary debts

I really could go on to reach 99 just to represent the saying, “99 ways to skin a cat”. But I won’t waste your time. I know you can Google it for yourself and find hundreds more advice from every Tom, Dick and Harry out there.

So let me get straight to the point.

With so many ways and advice, how come not everyone gets rich? How come not everyone who reduces their spending get rich? How come not everyone who has an education get rich? How come not everyone who starts a business get rich?

Because it’s not about what you do, it’s about how you do it. Cause while there are 99 ways to skin a cat, if you don’t do it RIGHT — whichever method you have chosen — it won’t bring RESULTS.

So what is the ONE right thing that you need to do to get rich?

Bob Proctor knows. And he wants to tell you that there is a science — a formula — to get rich. It’s about doing certain things in a certain way. And this blueprint has been proven to make anyone get rich across centuries.

So before you waste your time trying out 99 ways blindly, get this one formula that will transform your financial future.

To learn more about the Science of Getting Rich - go to http://www.thesgrprogram.com/?m=4a1f14ff29377

Is Working Online At Home The Way to Financial Freedom?

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

Are online jobs the next big thing? As the U.S. economy continues to free-fall, millions of American are finding themselves without jobs, sufficient retirement or paychecks coming in. In March alone the number of unemployed increased by 694,000 to 13.2 million. Throughout history those on the cutting edge have adapted and prospered by knowing how to adapt to current economic climates, and this trend may once again be taking place on the internet. Continue reading at Miami Gazette News

If the idea of working from home interests you, I’ve compiled a list of our list of top 10 Work At Home opportunities.

1. Six Figure Yearly
2. Six Figure Cash Machine
3. Maverick Money Makers - Get Paid For Life!
4. Home Job Group
5. Classified Surveys
6. Big Weekly Earnings
7. Express Paid Surveys
8. Internet Earn System - Internet Millionaire Reveals the Shocking Truth of About Making Money Online

Don’t forget the cover letter

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

So now you have a professional resume but what about the cover letter?

As with the resume a well written cover letter is vital when applying for employment. Many job seekers spend hours preparing the resume, while very little if any thought is given to creating an effective cover letter.

Although, some employers may not take the time to read the entire cover letter, it is almost always the cover letter that greets the employer when applying for employment opportunities.

It is also a well written cover letters that will get you noticed and stand out from other candidate submissions.

The following outlines my personal recommendation to keep in mind when writing a professional cover letter:

- Customize each cover letter to specific contact or department (do not use “to whom it may concern”)
- Free of grammatical errors. Proofread your cover letter and use spell check. Keep it professional not personal (e.g. do not mention marital status etc.).
- Keep the cover letter relevant to the job you are applying for.
- If you don’t have a specific contact person, address the cover letter as Dear or Attn: to specific department.
- If you do have a contact name, spell out the entire name (e.g. Dear Jane Smith). Do not refer to the contact on a first name basis or use any nicknames.
- Don’t be overly-flattering or over the top. (e.g. “it’s been a dream to work at ABC”). Just be honest (e.g. “I’m applying for the recent job posted on the myjobnow website for _____”)
- Use an e-mail address that matches your name in some way. Don’t email your resume from js6547@yourdomain.com.
- Don’t sign your emails with some kind of hand or nickname. Use your given birth name.
- First impressions count, don’t be forgetful, attach your resume to the cover letter.
- Show some creativity, write a letter that conveys both your personality and professionalism.
- Every sentence of your cover letter you should show enthusiasm, passion for the position and industry, and interest in working for the employer.
- The cover letter length should never exceed on page. The cover letter is only a brief introduction to get the employer interested in reading your resume.
- Mention names if you know someone within the company for which you are applying. Hiring managers pay more attention to unsolicited resumes when they assume you were referred by one of their employees or customers.
- Cover letters should always be typed, not hand written.
- Always close with a promise of action (e.g.. you will follow-up with the contact or company within 7-10 days in regards to the status).

These are just a few tips to keep in mind when writing a professional cover letter.
Unfortunately, there is no secret formula that guarantees you employment, or even a job interview.
An effective cover letter is simply a way to ensure you get noticed by employer and helps you stand out from other job applicants.

Have questions about how to wow potential employers? Visit us at www.hrinmotion.com. Providing job preparation services from human resources perspective.

Social networking can lead to a job

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

Feel like your career is on life support? You are not alone. There is a cure.
Have you tried social networking sites to connect with your future employer? People are successfully using them today to find new work. They work so well because they use networking as their basis. 60%-80% of those I help find work do it through networking.

Statistics also show that job search networking is much more effective when you make loose connections with people whom you think cannot help you.

Linkedin:
1. Get picked up: This site is made up of mostly employed adults who work for companies you want to get into. Create a profile, and copy and paste your resume content. Hot tip: recruiters use keyword searches to headhunt you.

2. Get it for free: To meet a stranger on Linkedin will cost you. But there is a free way around it. Search by company or person you want to speak to, then go to their profile and see what groups they are part of. They may be part of a marketing association you are a member of. Ask to join this group. You will be let in. Now contact this hot lead for free.

Twitter:
3. Be a follower: By following people in companies you want to work for, you will know who hangs out with them, what conferences they attend, what they are thinking and what their future plans may be. This insider information can be used to tailor your brand to their needs.

4. Be a leader: Employers love hiring people who have an opinion and are current. By writing Twitter entries that are relevant to your industry, you are demonstrating your knowledge. It is the ultimate show and tell item. Have your twitter link on your resume and cover letter header.

Facebook:
5. Be popular: People love the status bar. Instead of writing you are smelling your feet, write these words: “Seeking employment as a Marketing Specialist”. Only your friends will see this and they will pass it on to their network.

Email your question to: info@Dr-Career.com. Visit www.1daydreamjobchallenge.org for a free download. Listen to Career FastTrack “Live” Mondays at 5:30pm on CiTR 101.9 FM or online at citr.ca.

How bad credit can cost you a job

say goodbye to the "job" as you know it and discover the "Holy Grail" of attracting wealth - Many of us have conditioned beliefs that in order to earn money, we have to study hard, work hard and pretty much do everything else the hard way. Bob Proctor wants to show you another way. And you'll be happy to know that it's easy. Visit the Science of Getting Rich

Many employers — including the federal government — routinely scour credit reports on current and prospective employees to help decide who’s hired or fired. Here’s what you need to know about the risks.

By Liz Pulliam Weston

After two years of unemployment and three years as a contractor, Richard Becraft was offered a good civil service job with the Department of Defense in May 2002. The position paid $12,000 more than he was currently making and promised the kind of stability Becraft hadnt experienced since defense industry layoffs, a divorce and a subsequent personal bankruptcy rocked his financial world.

After a background check, however, the job offer was rescinded. The government letter that the Oxnard, Calif., man received indicated financial considerations made him a poor security risk.

The idea, Becraft said, was that his past financial troubles made it more likely I could be bribed . . . to disclose the secrets of this nation.

Becraft believes the denial was unfair — particularly since federal law specifically prohibits an employer from using a bankruptcy as a reason not to hire, promote or keep a worker. Although employers can use other credit problems such as defaults or collection actions in their hiring decisions, Becraft insists his credit report was free of any negative marks until the bankruptcy.

I had excellent credit until then, he said.

Credit checks for job applicants
Government workers arent the only ones whose credit histories are being scrutinized. Anyone who has had trouble paying bills could find his or her finances endangered again as employers use credit information to help decide who to hire, fire or promote.

There are some indications such credit checks are on the rise. About 35% of the companies surveyed by the Society for Human Resource Management pulled the credit reports of current or potential employees last year, up from 19% in 1996.

Other experts say employers are far more interested in other kinds of background checks, including identity verification and criminal histories. (For more information on background screening, see Secrets you can keep from your employer.)

Five years ago, nearly all employers who bothered to do background checks wanted a credit report pulled, said James Lee, chief marketing officer of ChoicePoint Inc., which does 6 million background checks annually. Today, far more employers are screening their workers, Lee said, but fewer than 30% of ChoicePoints customers want credit information.

Credit has not turned out to be a good predictor of workplace theft. This is what our customers are telling us, anyway, Lee said. A better predictor is a criminal history involving bounced checks.

Lie on the application, lose the job
Job applicants are much more likely to lose a job because they have a recent criminal history or they lied on an application about their identity, experience or education, said William Greenblatt, CEO of Sterling Testing Systems Inc., a New York City background checking firm.

Of the 10,000 adverse action letters we send out monthly, very few of them are credit related, Greenblatt said. Its less than 5%.

Employers are more likely to use credit reports as a way to verify employment history and Social Security numbers, Greenblatt said. Lenders often verify employment when you apply for a loan or credit card, so a credit report is seen as a good way to double check the employers listed on a job-seekers application.

The federal government still routinely requests credit checks for employees, Lee said, but typically denies jobs or promotions only when the employee would have direct access to cash on the job, or security clearances are involved.

Clean up or clear out
You dont have to work directly for the government to be affected by its credit checks, however. Gene worked for a consulting agency that was hired to do some work for the IRS in Philadelphia. Two months after he started the IRS job, a government investigator told him his poor credit was endangering his position.

I was advised to clean up my credit report if I wanted to remain a consultant, Gene said. They gave me a month. There’s not a whole lot you can do to straighten up your credit in month.

Gene insisted his credit wasn’t that bad to begin with . . . no defaulted student loans or bankruptcies or anything like that. But four months after he was hired, Gene said his employer told him not to report to work anymore.

Know your rights
In the private sector, the people most likely to have their credit reviewed are those who will deal with cash or valuables, or who are financial executives, said Greenblatt, a labor attorney with 26 years experience in employee testing and screening.

Bank tellers, CFOs (chief financial officers), controllers, people who work for brokerage institutions, financial institutions, he said. Jewelry manufacturers do credit checks . . . when youre dealing with diamonds, theyre easily concealed (and stolen).

If youre concerned about your credit history affecting your job prospects, heres what you should know:

An employer needs your permission to run a credit check. The Fair Credit Reporting Act (FRCA) requires your written permission any time an employer hires a third party to conduct a background check, said human resources consultant and attorney Wendy Bliss. That includes running a credit report. Of course, you likely wont get the job or promotion if you dont agree. But failing to get your okay is an FCRA violation, said Bliss, author of Legal, Effective References: How to Give and Get Them.”

While other black marks can be used against you, technically a bankruptcy cannot. Under Title 11 of the U.S. Code, employers are prohibited from discriminating against someone who has filed for bankruptcy. Since most people have trouble paying their bills before they file, this is often a moot point — the employer can point to that history as the reason for the adverse action. If an employer makes the mistake of citing your bankruptcy as the reason you were fired, not hired or denied a promotion, though, you might want to consult a labor attorney about a lawsuit.

An employer is supposed to tell you if credit information is used against you. If an employer uses credit information to deny an applicant a job, fire a current employee, rescind a job offer or cancel a promotion, federal law requires the employer to do two things:

* Before the adverse action is actually taken, the employer is supposed to provide the worker with a copy of the report and an explanation of the workers FCRA rights.

* After the action is taken, the worker must be told which company provided the credit information, given contact information and told he or she has a right to dispute the reports accuracy.

Rather than go through all this, of course, many employers simply find a less complicated excuse to give you.

Your ability to dispute the information may be of limited use, as well. If your employers decision was based on erroneous data in your credit report, for example, it could take you months to get the problem corrected — by which time someone else will have been hired for the position you wanted.

Find out what’s on your record
Thats another reason why its important to check your credit reports at least a couple of times a year and challenge any serious errors you find.

All that said, a couple of late payments arent going to kill your job prospects. Employers who care about credit histories typically look for serious negative marks, such as collection actions, repossessions, foreclosures and evictions. Some are wary of people carrying enormous debts or otherwise indicating theyre living well beyond their means.

If your credit problems arent serious and relatively recent, most employers arent going to care, Greenblatt said.

All good employers are looking for good people, Greenblatt said. Theyre not looking for reasons to disqualify people.

Liz Pulliam Weston’s column appears every Monday and Thursday, exclusively on MSN Money. She also answers reader questions in the Your Money message board.

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