My Taste in Music
My musical tastes are often a little off the beaten path. Since a couple of years ago, when my household started watching Ditty TV on our Roku, I've really enjoyed listening to Americana music. Shawn James (with or without his band, The Shapeshifters) has been one of my favorites. Shawn James, along with fiddle player Sage Cornelius, recently played their first Minnesota gig at the Turf Club in St Paul, and I got to see him play live. Here are three of my favorite songs featuring Shawn James for your listening pleasure.
"Hellhound" by Shawn James
This is the first song by Shawn James I ever heard. In this video, it's amazing to me that this larger than life song is generated by one guy playing at least 3 instruments and singing in room full of weird stuff.
Cover of John Legend's "Who Did That to You?" by Shawn James with Sage Cornelius
I've heard the John Legend song (featured in the movie D'jango Unchained). Here, Shawn James does the song the way he thought it should have been done in that scene--a little angrier. Fiddle player Sage Cornelius is also ridiculously good.
"The Bear" by Shawn James and The Shapeshifters
I love this video. It has great music, fire and moonshine, so what's not to like? Near the end, as the lot of them are dancing around the fire, the guy on the left is jamming harder than perhaps anyone else has jammed in the history of playing an instrument while dancing. This song and video feature not only Shawn James, but The Shapeshifters as well.
Bonus: "John the Revelator" by Shawn James
Here is my fan filmed, poor lighting video of Shawn James singing an a cappella version of "John the Revelator" with the audience stomping and clapping along. Mad props to Sage Cornelius who is microphoneless, but jamming his heart out onstage. Video taken at The Turf Club in St Paul on 3/19/2018.
The Obligatory Nerd Girl Fan Photo
My husband, and extrovert, struck up a conversation with Shawn James before the concert, and took my picture with him. Now my daughter, who is particularly fond of "The Bear" video, will definitely think I'm super cool.
Death by Lecture
As humans in today’s fast-paced world, we often value getting the job done as quickly as possible. When it comes to helping people learn, lecturing’s, aka “just tell them everything they need to know,” becomes the unfortunate default mode of information delivery. Unfortunately, the process of knowledge transfer doesn’t work like a bank deposit, and we can’t just extract knowledge from one person and implant it in another. Instead, individuals need to engage with information so they understand what to do with those details and make them into their own, internalized knowledge.
Grandpa, Tell Me a Story
You know who loves stories? Little kids. Do you know why? They are trying to figure out what the world is all about and what to do with all of the things they are experiencing for the first time. Just like adults use stories to help children understand the world, stories help adults make the transition from bland best practice or potentially useful technique to thing-I-actually-do. Let’s look at three examples of how stories can be incorporated into training to engage people in the learning process and help adults actually learn.
Reason 1: Stories Help Concepts Become Real
In training, many times we’re covering abstract ideas, and sharing models for how to apply those ideas. Stories help us make that jump. Here's an example:
During a training with customer service professionals, we're trying to help them understand the importance of getting to know individual customers and catering to their unique needs.
"Each customer is different. Every person who calls us on the phone has their own point of view and personal struggles that we may know nothing about. We need to find out what matters to them and emphasize those points as we speak to them. Overall, be careful about making assumptions about people’s wants and needs based on your personal preferences."
Story to make the idea real:
"Here’s an example of learning about our customers and tailoring our approach to their wants and needs.
While working at a table at a church conference, my job was to discuss health insurance benefits with pastors currently working in congregations. I was there to promote a great new benefit where pastors could earn $250 for completing an online health assessment quiz. For me, taking the health assessment was a no-brainer, because I thought, “Yay! Free money!”
I quickly learned, though, that this was not the prevailing opinion among the pastors. Several stopped to express outrage that the church was trying to BRIBE them to take the health assessment. Since many of the pastors prided themselves on being more concerned with doing good in the world than with money, having a financial reward for doing something that they should do anyway became a disincentive.
One church leader realized that a different approach was needed. She used the concept of stewardship—which means taking care of the gifts God has given to you, including your money and your own personal health. She told pastors that it was their duty as leaders of the church to model good stewardship by taking the health assessment (especially since another benefit was helping their congregation to earn a discount on their health insurance premiums).
By keeping the wants and needs of the audience in mind, and realizing that they may be very different from our own, we figured out how to position this benefit in a way that resonated with our audience. "
How the story helps:
This story takes an abstract concept (everyone is different) and drives it home. Since many people may identify with the person who would gladly take the health assessment to earn money, seeing a completely different, and often unexpected, viewpoint can be shocking. Adding details about people and context for why they have the values they do, can be eye-opening.
Reason 2: Stories Help People Learn from Other People's Experiences
When you first learn a concept, it may sound good in the abstract, but you're not sure how to apply that idea in the real world. In professions like being a police officer or a fire fighter, stories are a way that seasoned staff help rookies learn from other people's experiences. Here's an example of how to use stories to share real-world examples.
With new corporate trainers, using proximity technique to deal with disruptive students in a classroom environment.
"When trying to manage students who are disrupting the classroom, using proximity can be helpful. In short, standing near a student can help them to realize that they need to change their behavior."
Story to share one person’s experience using the technique:
"During student introductions at the beginning of a sales training class, Alice, a branch manager sitting at a table in the back of the room, was explaining what she hoped to gain from class.
In the middle of Alice’s introduction, Jim (the top insurance salesperson in the region) answered his phone. He was sitting at the front table in the classroom, and there was no way for the whole class NOT to hear his conversation as he loudly explained the concept of accident forgiveness.
I asked Alice to pause for a moment, then walked over to Jim, and stood next to him for a moment. He looked at me, I smiled at him, and then he put his hand over his phone long enough to say, “I’ll step outside to finish this call.” I nodded to let him know that I appreciate it. Once he left, Alice finished up, and the next person did their introduction.
In this case, standing next to Jim was the cue he needed to realize that he was doing something disruptive and self-correct his behavior."
How the story helped:
The story involves people with names and characteristics. This shows on sometimes challenging student, a high performing salesperson, and a situation that may resonate with students. It also shows how using a relatively simple solution can solve the problem, and help the trainer maintain control of their classroom. This story shows students how they can apply the skill, which may also help them identify when they could use a specific skill in their classroom.
Reason 3: To Give Context for Technical Training
When I’ve observed technical trainers, most of them are great at taking people through the step by step process needed to make something work. However, many times the question “why would we ever do this?” is missed. If people don’t get why the process matters, they will have a hard time mustering up enough energy to pay attention. Here's an example of how to use a story to set up a scenario within a technical training course.
Showing students in an intermediate Microsoft Word class how to use the mail merge feature to create mailing labels.
"We’re going to create mailing labels. This would be helpful if you needed to mail the same item, like a marketing campaign, to multiple people. You could even use a mailing list that you had saved in Excel as the starting point for your mailing labels."
Story to illustrate why you'd complete this process:
"Joanie and Chachi are getting married and having the big wedding of Joannie’s dreams.
Now that it’s time to address invitations, her best friend, Jenny Piccalo, points out that addressing 500 envelopes by hand is going to be excruciating.
Joannie has a great idea! Why not use the Excel file they’ve created and use the Mail Merge feature in Word to create mailing labels! They can even use one of those handwriting style fonts to help them match the script on the invitations.
Let’s look at how to set that up."
How the story helped:
Especially in technical training, sometimes we get so caught up in the “click here, click there, GOOD LORD NOT THERE” aspect of it that we forget to tell students why they’d ever bother to do the process we’re explaining. Giving them a why, in this case a why that aligns with concepts people know (the joys of managing the postal aspects of a big event) and incorporating fictional characters (who doesn’t love a little Happy Days reference?) adds a layer of lightheartedness that is often missing from technical training.
What Do You Think?
Why do you think telling stories in training is beneficial? What is your favorite story to tell? How does it enhance the learning process? Include your thoughts in the comments.
I Am Sooooooo Tired!
In adult life, “I’m so tired” is a common complaint, second only to “I am so busy.” Of course, we are so tired and busy because of how important and in-demand we are, therefore we don’t have time to take on one more thing because, for goodness sake, we don’t even have time to sleep!
#Humblebrags aside, there are certainly many life habits adults have that can mess up the ability to sleep—including our 24/7 culture, using our smart phones late in the evening and that cursed show we’re watching on Netflix that somehow tricks us into watching the next episode. Once you do call it a night, here are three tactics for getting yourself from being physically in bed to actually asleep.
I read way more non-fiction than fiction. I read books on time management, making better business decisions and promoting positive behavior change. While I love these books because they help me improve my work skills and excel in life, reading non-fiction activates me. I usually take notes, make observations and think of all of the things I should DO. While this a helpful mindset for overall life success, it’s not going to do my sleep any favors.
Now, I read non-fiction during the day, and fiction at night. I read stories that are entertaining and engaging, but help my mind wind down. So far, my teenage daughter (a voracious reader) has gotten me hooked on dystopian young adult fiction trilogies including Hunger Games, Divergent, Matched, Uglies and more. They are quick reads that are well paced with interesting plots. They also serve as entertainment that helps me transition from awake, functioning adult to ready to go lights-out adult.
Not sure what to read? Grab something from an area little free library, grab a book at the local coffee shop’s free shelf or get thee to the library. Check out what friends and family are reading and get recommendations. Pick something and start. If it’s not your thing, pick something else.
Write It Down
Admittedly, the world “journaling” makes me throw up a little bit in my mouth. These days, journaling is often the go-to remedy for everything from being more grateful for what we have to figuring out why we do the crazy things we do. Do you know why journaling is recommended so much? Because it works. Getting information out of your head and on paper has huge value. It helps you not only process your ideas, thoughts and feelings, but it enables you to take part in the process of taking a thought your mind is stuck on and physically put it somewhere else. Offloading that thought—at least until morning—frees up our minds to get some damn sleep.
When I’m supposed to try to sleep, my brain liked to occupy itself by rehashing every dumb thing I’ve ever said, revisiting movie trivia I can’t quite remember and stewing on problems I can’t quite solve. Keeping those thoughts inside my head (or trying to will them away) only results in more tossing and turning and less actual sleep.
The answer? Write it down. Next to your bed, keep a pen and a writing surface—no matter if it’s a proper journal, half used notebook or the back of an envelope. Trying to pinpoint why that project failed? Write it down. Finally remember the name of your coworker three jobs ago? Write it down. Finally figure out the right way to word that paragraph? Write it down. Instead of either stewing on a topic (and not sleeping) or trying to hold on to that thought until morning (which I never manage to do), you guessed it—WRITE IT DOWN! It also frees up your mind to wander and dream and sleep instead of turning a problem over and over in your head until morning, when you’re thinking even less clearly due to lack of sleep.
If I’m having a tough time sleeping, or even dealing with a stressful situation, I will often take deep breaths. Recently, I attended a training session about resilience. The presenter referenced 4-4-8 breathing and mentioned this technique helped soldiers in the special forces handle stressful situations. As an extra added bonus, it also works as a way to get your mind to calm down and get to sleep.
Here’s how it works:
Variations on this idea abound—including 4-4-8 breathing, 4-4-4 breathing or Circle 7 Breathing (7-7-7). Regardless of the numbers you use, the whole point is to help your mind focus, pay attention to your breathing and calm yourself down. If you’re in a stressful situation, using this exercise can help clear your head so you can deal with the task at hand. If it’s bedtime, tactical breathing can push you from pre-bedtime routine to sound asleep.
What Do You Think?
What are your tried and true tips for getting to sleep? Include your thoughts in the comments.
The Networking Conundrum
As an adult human with (or searching for) a grown-up job, we often hear about the value of networking--but how does one “network?” And how does one do it in a such a way that we’re meeting people, building relationships and connecting with individuals in a meaningful way? How do we do all of that without being (or feeling like) the slimy person who talks with someone today in order to shamelessly use that person for selfish personal gain later on?
Overall, networking includes meeting people, keeping track of them and nurturing those relationships in a mutually beneficial way. Let's break down each of those key components.
Meet All The People
We meet people all the time whether we’re working on a project, attending a conference or dressed in our least attractive ensemble attempting to sneak in and out of the grocery store. The trick with networking is to figure out how to meet people who share your professional interests. Here are three key places to meet the people that will become part of your network.
Coworkers and Vendors
I’ve worked for 10+ organizations, each of which had some turnover and many new employees. After I met someone initially, or sometimes after I worked with them on a project, I would connect with them on LinkedIn. I also connected with coworkers at other office locations as well as point people working for vendor organizations. Since I have worked directly with all of these people, they have direct experience with me as a coworker, manager or project team member.
In the Twin Cities, I’ve been involved with the Financial Planning Association, Association of Talent Development, Professional Association of Computer Trainers, the League of Longfellow Artists and Fredrickson Roundtable for Learning Leaders. Each time I attend a meeting, I have conversations with people before, during and after each presentation. I make special effort to get their names and connect with them on LinkedIn afterwards by including a brief note on who I am and our conversation. These are people who have seen me in a professional environment and have had at least one personal interaction with me.
Friends, Family and the Community
There are people that we interact with all the time—like the server at my favorite restaurant, my daughter's math teacher, the guy who works from the same coffee shop I visit, the woman who knocked me down last week at roller derby. This also includes friends from high school, classmates from college and the friend of my sister’s that I struck up a conversation with a month ago. After I’ve had a good interaction with people, I try to connect with them since our paths may cross again, and there will definitely be opportunities for us to help one another out. Now, reaching out to them to talk more about a specific topic will be easier since we have had casual contact on one or more occasions.
Some could argue that these people shouldn't be a part of a "professional network" since I don't directly know them from work. I disagree. I'm a firm believer that there is generally zero benefit to being mean to people and only positives from being nice to people. Go forth and be nice to people--if only for the sheer pleasure that being nice to another fellow human being can give you.
Keep Track of Everyone
LinkedIn is the core tool I use to keep track of my professional network. This is a collection of people I have worked with over the course of my career, colleagues from professional organizations and people who are both friends and possible business contacts. I use LinkedIn to post my professional profile, link to my other professional social media accounts and stay current on who of my connections currently work for what organizations. In addition to LinkedIn, I also keep email addresses and phone numbers for people who I worked with more closely, and connect people with who are family or friends as well as professional connections through Facebook.
Interact in a Meaningful Way
The biggest mistake most people make with networking is staying silent until they need something. In order to network effectively, it needs to be a give and take relationship. This includes talking to people in passing when you see them, congratulating them on their successes, asking them how they are doing and offering help when you can. Is someone looking for someone to click through a webpage they are designing? Volunteer to help. Did they just publish a book that you read? Comment on how much you liked the book or share the book with other people who might find it interesting. Did someone just get a promotion at work? Send them a quick note of congratulations.
Even sharing insightful articles on LinkedIn on a regular basis is one easy way to give to, rather than take from, your network. In order to be successful, networking should be about an ongoing relationship that is mutually beneficial—not your list of people that you ask to do you favors.
What Do You Think?
How do you build and nurture your professional network? Share your thoughts in the comments.
You Can Do The Thing!
Adulting is hard. I think we all know that we need to make an effort to do things that will help our future selves to be successful. We all know that eating better, exercising more, not procrastinating and getting some sleep will make us better in the long run. Unfortunately, laziness pays off now. Who can bother to get motivated and actually do stuff when there are 10+ seasons of Doctor Who available for the watching at any time, day or night?
So how do you motivate to do all of that pesky adulting you need to do? Here are three videos that may serve as the kick in the tail you need to get up and do something that doesn't involve guarding the living room couch.
If you just need a general affirmation of how awesome you are and how you need to just go do the thing, skip to video 3 because YOU ARE MAGNIFICENT! Otherwise, check out these videos and the articles at the end for even more motivation. I also realized that what I find motivating often includes some straight talk and a bit of adult language. Proceed with appropriate caution.
9 Life Lessons from Comedian Tim Minchin
Comedian Tim Minchin shares his comedic insights and 9 valuable life lessons. This is motivating on a greater level to live a good, meaningful life while also not taking yourself too seriously. It's also witty and amazing. (NSFW because adult themes and a wee bit of language.)
Daily Inspiration - David Goggins Find Your Drive
This video is inspiring on many levels from Navy Seal and overall badass human David Goggins. He talks about his upbringing and his firm belief that motivation is fleeting, but being driven gets you where you need to be. (FYI--he uses some offensive language, partly because he talks about being called the N word every day when he was in school.)
You Are Magnificent!
Are you lacking confidence? Feeling bad about yourself? Worried that you're not good enough? Let this woman set you straight. The core message of this video is that you need to just get up and do the thing. If you need a pep talk, here it is in it's intermittently foul-mouthed glory. You are magnificent! (NSFW because, swearing.)
What Do You Think?
What motivates you? Include your thoughts in the comments.
Job Searching on the Computer Machine
Back in the good old days, my job search took place mostly on Sunday mornings with a cup of coffee, a highlighter and the newspaper classifieds. Those were also the days of nice resume paper and matching envelopes. This was approximately 1 bijillion years ago.
Today, most job search action happens online--and there is no shortage of websites from which to choose. It's also not just about finding posted job openings but leveraging your professional network to find the right position at the right organization. Here are my top 3 websites for leveraging your professional network, researching companies and searching advertised open positions AND 3 extra websites that are also worth checking out.
LinkedIn is pretty much "the show." If you're looking for a job, or just exist as an employable human, you need to have a solid LinkedIn presence that includes a professional head shot, a list of recent job titles, and a fair amount of connections. As a hiring manager, after I review an application, my next step is looking the candidate up on LinkedIn to see what connections or organizations we might have in common. Not having a LinkedIn profile is a severely career limiting move. It very nearly means you don’t exist in the modern world.
There are multiple hour classes on using LinkedIn for maximum professional, and job search, effectiveness. I’ve included a few helpful articles in the “Learn More section. Personally, I use LinkedIn to help me get from applying for a company to talking with an actual person at the organization who can help me get noticed.
When I discover a position that interests me, I then see who I know who works there—and might be willing to refer me. If I don’t know someone directly, I’ll see who I know who might be able to introduce me to a recruiter or possible hiring manager. Personal recommendations make all of the difference—and are much better than trying to fight your way through an online application system.
When it comes to searching for a job opening, Indeed is the place to be. Indeed is an aggregator that brings together jobs posted on multiple websites and let’s you search them all through an easy-to-use interface. You can also upload a resume and customize your profile. There's also a section called "Desired Job" that compels you to specify the job title that interests you, employment status, and eligibility to work in the US. You can also set up options to let employers know that you are actively looking.
Take the time to set up multiple alerts so that you'll be notified when jobs that meet your criteria are posted--and I typically find more open positions on Indeed than on LinkedIn. In addition, you can save jobs and then track where you are at in the hiring process for each opening. If you're applying for multiple positions and want to keep track of the process, Indeed is a great help.
Again, even if I find a job on Indeed, I return to LinkedIn so I can leverage my personal network for the application progress.
As with LinkedIn and Indeed, Glass Door can also be used to search for jobs--and you may find some different job openings here than you find on other sites. However, the true value of Glass Door is company review information.
First off, there is a basic overview for each company. This includes website, headquarters location, number of employees, founding date, type of company, revenue, a summary, mission, awards, etc. Unlike company pages on LinkedIn, which are controlled by each company, Glass Door information is provided by Glass Door users. In fact, companies can not alter what is provided by people sharing feedback on companies and salaries.
Glass Door reviews come from from people who have first-hand experience with each company including current employees, former employees and candidates interviewing with the organization. In fact, in order to access all resources Glass Door has to offer, you’ll be asked to contribute a review.
Just like with Amazon product reviews, keep in mind the mindset of each reviewer. (I think back to my favorite Amazon review ever, where the person basically gave the book 1 star and commented that he hadn’t read it, but that the topic sounded dumb.) The reviews from current employees may be glowing and those from a recently fired employee may be scathing. Regardless of whether or not you agree with someone's assessment of the organization, it's helpful to get multiple viewpoints. Like with all opinions people share with you in life, you get to pick what you want to heed. Use these insights to figure up what items you may want to follow up with during the interview process.
As an extra added bonus, Glass Door also has salary information. I recommend using this as a guideline for what you might be paid rather than a “guarantee” of the rate of pay for a given position. Remember, all salary information is also contributed by individuals, and salary information is based off those inputs—which might not reflect your area of the country, specific job title or skill levels of individuals holding a given job title.
Three More Websites to Check Out
What Do You Think?
What are your favorite career related websites? Share your thoughts in the comments.
Some Days You Go To Work and Come Home With a White Box
Recently, I was laid off from my job. It is the fourth time I’ve been laid off over the course of my 20+ year career in corporate training and development. It’s also the third job I’ve had in a row where the company, not me, decided when my tenure at the organization was complete. I have not actively decided to switch jobs in 13 years. Given my field of choice, training, and my penchant for working for companies that are acquired, struggling, startups or reorganizing, this is a part of my professional life (and also why I moved to a larger job market after layoff number 2). Given my track record, I know how to handle a layoff.
Even though I know the drill, it still sucks each and every time. There’s the loss of a daily routine, the changing of work friendships to acquaintances or regular friends, the excitement (and terror) of getting to find a new job, and the highs and lows of not knowing whether you’ll be unemployed for a week or for a year. It also comes with a new unpaid full-time job—which is finding a new full-time job.
Each layoff has also been a little different. My tenure ranged between 4 months and 8 years. My severance ranged from 2 weeks to 16 weeks. Twice, I could rely on my husband’s income and benefits, and once I was mid-divorce with nearly everything falling apart at once. Regardless of circumstances surrounding a layoff, there are a few good next steps to take.
1. Process Your Emotions
Curse you, feelings!
Losing your job, even through no fault of your own, is an emotional roller coaster. Given how much of your life you spend at work, suddenly not having the same job is a huge change. In fact, it’s the same level of change as things like getting divorced, having close friend die or having to go to prison. You may feel fine one moment, angry the next, then ecstatic, then in tears. Realize this is completely normal.
Just like dealing with a death in the family, you’re dealing with the death of the future you thought you had. Losing that imagined future, regardless of the role that your job plays in your life, is a big loss that needs to be addressed. Figure out how you will cope with these changes. You might choose positive ways (exercise, reconnecting with friends, journaling) or negative (overeating, overthinking, or a good old-fashioned bender). Find your emotional support people and confide in them. Talk to your partner, family and friends. Find a support group (in-person, or online, or both) to help you work through it.
As much as you may want to jump over the part where you have to admit you have feelings that influence how you live your day-to-day life, you need to address them—whether it happens now or later. Personally, two layoffs ago, I was going through a whole bunch of new and exciting (read "stressful”) life changes all at once. Then, I compartmentalized and focused on the business of moving and finding a new job. Once I was in my new job, I pretty much worked during the day and went through the process of dealing with all of the life changes at night. Do what works for you.
A Note About Social Media
As you process your feelings, be cautious about sharing too much on social media. Remember, the things that you share on social media are somewhere at least somewhat publicly available, forever. Even if you post things only to friends on the Facebooks, there is no guarantee that other people won’t see it given Facebook's ever-changing privacy parameters. Process those feelings in private, not in public on social media. You are not a Kardashian. You don't want prospective employers--or everyone ever--to see the dirty details of your process.
2. Manage Your Finances
Disclaimer: (You know there has to be one of these now that we're talking about topics like money and health insurance.) While I know stuff, I'm not a currently licensed, authorized anything. Feel free to take my advice, but double check my facts (and everyone's facts for that matter). This is your life, and you will care more about your finances and health care than anyone else does. With that, read on.
Whew! I'm glad we got THAT out of the way.
Most of us work because we have expensive habits to support—like living indoors and eating on a regular basis. When a job ends, there are financial concerns that need to be addressed right away. While you won’t have the income from your job, you will receive your final paycheck, possibly vacation time that you have earned and, hopefully, severance. You may also have additional sources of income (from a spouse, partner, or additional work). If you receive severance, realize that it may be less money than you think because taxes are taken out of that sum. Depending on your severance package, and the length of your unemployment you may also be eligible to receive unemployment benefits. While this may not be a lot, it will help to cushion the blow.
You also need to revisit your budget. Prioritize paying things like your housing and transportation, and plan to spend less on discretionary expenses like entertainment, shopping and eating at restaurants. If you have an emergency fund, this might be the time you start using that. If not, you may end up accruing a little debt. For most people, this isn't the time to buy a new car or build on to your house. This is the time to scale back and get through the yuck until you're gainfully employed again.
A Note About The Joy That Is Health Insurance
Since many people rely on their employer for health insurance coverage, figuring out this aspect can be tricky. If you are fortunate enough to have a spouse/domestic partner/parent who can bring you onto their health insurance, check that out right away. In general, if you were covered by an employer's plan, and lose that coverage, you will be eligible to switch to another employer sponsored plan. At least ask that question.
If that's not an option, you have a few more decisions to make. If you do receive a severance package, health insurance coverage for some period of time may be included. Find out if your previously employer sponsored health insurance coverage is paid for by the employer, or if you will receive money to cover the cost of coverage. (These are two very different things.) You may also be eligible for COBRA coverage, which means that you would continue your previously employer paid health insurance, but pay for it yourself. Be sure to brace yourself when you see the amount that you will now be charged for that coverage--because it is usually A LOT more than you paid as an employee.
If you are not willing and/or able to continue with your previous employer's health plan, you may be able to go on the insurance exchanges to find coverage. Depending on your situation, you may also opt for the “be careful” health plan (no health coverage, but no sky diving either). Figure out what makes the most sense to you, and how to mitigate any risks you take.
3. Start Your Job Search
Now that you are without a job, you need to figure out how to get a new job—which is no small effort. Think about what kind of a job you want and write it down. Take time to think about the job titles, possible employers and salary range you want to target. It’s hard to find what you want until you actually know what you want to find. Get your resume updated (if you haven’t already). You may even need a couple of different basic resumes if you’ll be applying for different types of jobs. (Personally, I have an instructional designer resume, a training manager resume and a program manager resume.) Figure out how to highlight your unique skill set and showcase what problems you can help your potential employer solve.
From here, start letting people know about your new status of being “in transition” (not unemployed) and ask people for help. Many times, people offer help. Letting them know specifics on how they can help will do wonders. Perhaps they can introduce you to people who work at one of your target companies. Perhaps they know about a position that has not yet been advertised. Perhaps they know someone who knows someone who you should talk to. Maybe they have a lead on an up and coming company who needs someone just like you. Rely on those working relationships that you have built and put them to work. (Also remember that this is a two-way street. Be sure to help your fellow job seekers, or people who are trying to fill positions. Creating mutually beneficial relationships helps everyone.)
Keep in mind there are additional resources beyond your current network. Just like with emotional support, there are groups that can help with job searching. Check out LinkedIn groups, in-person meetups and seminars on how to network. Find a professional group and meet those people. The more people you meet, the better chance you will have to find a new position that is right for you.
Through my many, many layoffs, one thing has remained true. I have always ended up in a better place, both personally and professionally, than I would have expected. I learned new skills, met new people and made life changes that I probably needed to make, but I only did when life gave me the shove I needed.
Weatherman by Willis
I first heard Willis during a performance at Circus Juventas at St. Paul. This song, Weatherman, is from the album Uncle Treacle. Willis is a combination of Lady Gaga's amazing voice with a vaudeville flair. she is well known for her costumers and theatrical makeup.
Weatherman by Daphne Willis
Yes, there is a song entitled "Weatherman" by two artists who have Willis as part of their name. Here is a live version of Weatherman by Daphne Willis. Her vocal range demonstrated in this song is impressive, and she performs music in multiple styles including country, blues and electronica.
Weatherman by Dead Sara
...and now for somethign completely different (and much harder). Dead Sara's is fronted by Emily Armstrong and Siouxsie Medley. The band describes themselves as "an electrifying four-piece rock band whose supercharged music is propelled by Medley’s exhilarating, monster guitar riffs and Armstrong’s powerful, wailing vocals."
Buying a house is one of the largest financial decisions that most of us will ever make. I have bought two houses in my life. The first, I made many, many mistakes that I’ll share here for your amusement and general edification. The second, after having more experience in adulting and all things personal finance, I did in a much more planful and intentional way.
Through these two very different experiences, here are my top three tips for buying a:
A Note on the Use of Information in this Article
Here is my disclaimer regarding the content in this article. (We all know there has to be one of these just to set the record straight.) The ideas included are for educational purposes only, and should not be construed as financial advice. Concepts covered here are overly simplified examples of basic finance related information. Please consult a qualified financial professional to learn additional details about each financial concept and to help you figure out what is right for you.
A List of Don'ts: My Life as a Clueless First Time Home Buyer
The first time I bought a house, I did things in a way that hurts my current, better financially educated self. At the time, my then husband and I, were recently married and realized that more adultier adults bought houses. Here are the highlights of the poor decisions we made during this process:
Downright Awful Decisions:
A List of Dos: My Life as a Much Smarter Home Buyer
Years later, after having worked in the financial services industry for a bit, my soon-to-be fancy new husband and I decided to consider buying a place together. This time around, being 10 years older and a ton smarter, we had a more methodical process.
We talked about how we wanted to live our lives and bought a house that would support those wants and needs. We also worked with a realtor, who helped us through the details of being a smart homebuyer. Finally, we had a greater understanding of the financial aspects and what we were getting ourselves into.
Tip 1: Assessing Housing Wants and Needs
Before looking at houses, we talked about what we each wanted, and what was important to us collectively. We took our lifestyle into consideration and turned those abstractions into our list of must haves and nice to haves. Our list of requirements included the following:
Housing: Must Haves
Housing: Nice to Haves
Once we assessed our needs, we knew what we were looking for. We could also then assess if we were in a financial position to purchase a house that met our needs, or if we needed to wait longer.
Tip 2: Working with a Buyer's Realtor
When buying a house, there is no earthly good reason not to work with a realtor. Realtors get paid a percentage of the cost of the house being bought, which is paid by the seller. In short, it costs you no more money to work with a realtor than to work by yourself.
Realtors will also help you save time, money and frustration because this is what they do for a living. They will help you find possible houses that meet your needs. They arrange house showings so you can privately view a given house. They may also know about houses that are going on the market before they are listed to give you a head start on other potential buyers. They also typically have relationships with people who do financing and home repairs, so they can help with recommendations throughout the whole process. They can walk you through the paperwork from start to finish.
Typical realtors represent people who are buying and selling houses. We worked with one who only helps people buy houses—a buyer’s realtor. Part of the reason why we chose a buyer’s realtor is that their only job was to help us buy a house, not to also sell other people’s houses. This means that they do not have a possible conflict of interest (unlike realtors who both buy and sell houses) since there would be no temptation to try to sell us a house that they had listed.
Tip 3: Learn About the Financial Implications
Some people, mostly homeowners, tout the financial benefits of owning a home—and believe me, there are many. However, buying a home is also a multi-pronged financial commitment that goes beyond the desire to stop "throwing money away" on rent. Here are a few financial factors to consider when considering buying a house.
Figure Out How Much House You Can Afford
There are several calculators available online to help you figure out how much house you might be able to afford. If you look at guidelines for how much of your income should be spend on any given thing, typically they recommend spending 25-35% of your income on housing.
Personally, I think a lot of calculators suggest an amount that is higher than it makes sense to spend. (A calculator I ran recently suggested that I could afford to spend more than twice what I currently spend on my house—which is not something I would ever do on purpose). One more conservative recommendation is that you plan to spend 25% of your net income. (As a reminder, your gross income is the amount that your employer says they pay you, and your net income is the amount of money that actually shows up in your paycheck on payday). In the end, you need to figure out what makes sense for you.
Housing Costs: More Than a Mortgage
Financing Your Home Purchase
It’s not just the purchase price of your house, but how that translates into monthly payments for you. Most people obtain a loan to buy a home, which is called a mortgage. The amount you pay on a monthly basis depends on the interest rate, the term (how long you plan to pay it back) and the amount that you borrow.
There are several loan options, but here are two common ones:
House Buying Expenses
Ongoing Housing Costs
So Now What?
After you have a big long cry after realizing there is more to this than you thought there might be, realize that looking at houses is a part of adulting. Get thee a good buyers realtor, who has been through this a bunch of times, and then can help talk you through what you need to do. The more you know about the processes, the better off you’ll be.
What Do You Think?
What advice do you have for people considering buying a home? What missteps did you make that you’d like to help others avoid?
I remember in college, watching Nirvana perform Smells Like Teen Spirit on MTV. It was like nothing I'd ever seen before. I also remember them publishing a version of the video clarifying what the sometimes mumbled words were, and then seeing the video again interspersed with a grieving Courtney Love lamenting Kurt Cobain's untimely death.
Fast forward many, many years. My daughter's junior high school band covered this song at a recent concert, which inspired me to find new, different covers of this now retro song.
Smells Like Teen Spirit: It Don't Mean a Thing if it Ain't Got That Swing
This version features a starlet Robyn Adele Anderson covering the song with a 1940's swing style.
Smells Like Teen Spirit: Full Orchestra and Choir
More instruments! More vocals! Even more smelling like Teen Spirit!
Smells Like Teen Spirit: A Capella
...and now for something completely different. This time, no instruments at all are needed. Instead, it's four guys, Maybebop, with microphones in a hallway doing amazing things with only their voices.
I learn for a living. I distill my research into useful blog entries. Geek, parent, knitter, yogi, writer, educator, businessperson, gluten intolerant & roller derby nerd.