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How to Escape Debt in 2016

The new year is right around the corner and if you’re like most people, you’ve probably got a running list of resolutions to achieve and milestones to reach. If getting out of debt ranks near the top, now’s the time … Continue reading →

The post How to Escape Debt in 2016 appeared first on SmartAsset Blog.

What is a Foreign Transaction Fee and How Can You Avoid It?

Foreign transaction fees are irritating little charges that every traveler has faced, and most credit card users have questioned. They are the bane of a frequent flyer’s life and if not managed carefully, could result in some serious charges. But what are these charges, why do they exist, what’s the average fee, and how can […]

What is a Foreign Transaction Fee and How Can You Avoid It? is a post from Pocket Your Dollars.

What to Do When Your Credit Card Goes Missing

You’re likely to lose track of a credit card at some point—many people do. You’re standing at the checkout counter, you open your wallet and it’s not there. What you do depends on how prepared you are and whether you think the card was lost or stolen. How to Prepare for a Lost Credit Card… Read More

The post What to Do When Your Credit Card Goes Missing appeared first on Credit.com.

How Does a Line of Credit Work?

When it comes to borrowing money, you have a few options like loans and credit cards. With a loan, you receive a lump sum all at once. You then have to repay that amount, plus interest over time. You also have … Continue reading →

The post How Does a Line of Credit Work? appeared first on SmartAsset Blog.

How to Make a Great Impression in a Virtual Interview

Global pandemic got you thinking this is no time for a job change? Think again! Unemployment did soar to alarming rates in the early days of Covid. According to the Harvard Business Review, U.S. unemployment jumped from 3.5% in February of 2020 to 14.7% in April. But as of November 2020, it’s back down to 6.7%.
 
There is a job market, and it’s yours to partake in if you so choose. But the search is likely to be virtual.
 
So whether you’re out of a job or just looking for a change, let’s talk about strategies that will help you shine on screen and land your dream job.

1. Polish that profile

Keeping your online presence current and polished is a good idea in any moment or market. But according to Fast Company, there’s a particular urgency to sprucing it up right now. 
 
“Because many HR professionals are relying on video interviews, they’re also looking for ways to get a better feel for who the candidates are… [so] many are turning to social media profiles and looking for evidence of the candidate’s work online.”
 
This is a moment to assess your professional online presence. Personally, I focus on LinkedIn.
 
What’s your headline? What achievements are you highlighting? Do you have links in your profile to samples of your work?  Can you ask for testimonials or endorsements from people in your network? Ask a few friends to check out your LinkedIn profile as if they were looking to hire. Get their feedback and make adjustments. 
 
This is your moment to use LinkedIn like a Rockstar.

2. Set the scene for success

My family has this little holiday tradition. Every year we watch the 1989 classic National Lampoon’s Christmas Vacation. It gets worse every year, but you don’t mess with tradition. This year, my 13-year-old was savvy enough to recognize that no one in Clark Griswold’s office had a computer on their desk. She simply couldn’t fathom the idea of work getting done in a pre-technology world. I can barely believe it myself.
 
Technology has evolved in ways the workforce of 1989 could never have imagined. It’s amazing what we can do today. But while videoconferencing technology has technically enabled amazing things, we all know it can be clunky and awkward by 2020 standards. So do your best to make your virtual interview as smooth as possible.
 
Here’s a quick checklist:
 
  • Check your tech. Internet connection, microphone, webcam—are they all working? If not, make sure you troubleshoot ahead of time.
     
  • Create a professional setting. Your background—real or virtual—should be as professional as possible.
     
  • Test the platform in advance. Make sure that wherever you’re meeting (Zoom, Teams, etc.) you have everything downloaded or updated, and you'll be able to get into the virtual interview without a hitch. Do a practice run with a friend if you’re anxious.
     
  • Strip out distractions where you can. Kids, dogs, landscapers, snowblowers—they're all noisemakers of the highest order! Be aware, and do your best to minimize.
     
  • Acknowledge distractions you can’t control. In a tiny apartment or homeschooling kids solo? Don't stress! Just call this out as the meeting begins so no one is caught off guard. Any interviewer with a shred of humanity will offer you some grace.

If the interviewer isn't willing to cut you some slack, pay attention to that vibe! I mean, is a workplace that can't roll with real-world challenges graciously really where you want to be?

3. Account for the floating head syndrome

Videoconferencing is the best we’ve got, but it’s not perfect. There is so much about in-person interaction that we didn’t appreciate until we lost it! We’re now trading in floating heads. We’ve lost our access to body language which helped us read the room or sense how we were being received by our conversation partner.
 

In the absence of body language, you’ve got only your voice, so check in with the interviewer.

 
In a pre-pandemic world, the savvy among us might read subtle cues from the interviewer indicating we’ve gone off-topic, or we’re going into too much detail. But in the absence of body language, you’ve got only your voice.
 
So check in—not constantly, but periodically. Ask the interviewer “Am I answering the question you asked?” or “How’s this level of detail? I can provide more or less if that would be helpful.” 
 
The interviewer will appreciate your checking in. It demonstrates an emotional intelligence many of your competitors may not show.

4. Keep that energy soaring

We all know Zoom-fatigue is real. Energy tends to be lower on video, so find ways to express enthusiasm that the interviewer can’t help but experience.

Focus on being fully present.

This isn’t about singing and dancing (though some solid choreography would certainly make you memorable!) Focus instead on being fully present. Close all of your tabs or windows besides the videoconference. The temptation to multi-task or be distracted by an email is dangerous. This will help you stay focused on the conversation at hand.
 
Be prepared to share stories or examples about projects you were really excited about being a part of. Oh, and find moments to just smile! Let your interviewer know, visually, you’re just happy to be there. Your enthusiasm will shine through.

5. Ask questions of the moment 

It’s good practice in any climate to ask thoughtful questions in an interview. Hiring leaders respond well to curiosity. Especially the kind that shows you did some prep work.
 
In this particular climate, be sure you ask a question or two that is relevant to the experience we're all having. You might ask how they’ve shifted their strategy or service delivery or what they’ve learned about their customers during Covid.
 
This line of questioning shows not only a spirit of curiosity, but that you’re thinking about the need to redirect, be agile, and consider the context when engaging with their products or customers.

6. Put your resilience on display

The great buzzword of 2020 will surely carry into 2021. You may have skills, experience, and connections, but every company wants to know: Are you resilient?
 
Buzzy though it may be, companies want, now more than ever, to recruit people who know how to deal with setbacks, handle rejection, learn from failure, and keep on truckin'!

Every company wants to know: Are you resilient?

So as you move through your conversation, find spots to highlight moments of failure that taught you something new; challenges you overcame; or difficult feedback you used to improve yourself. You can even talk about how you transitioned to working while homeschooling, nursing, and doing whatever else the pandemic has demanded of you.
 
These are the rules of the road when it comes to virtual interviewing. And of course, it goes without saying that what mattered in traditional interviewing—being on time, being professional, doing your research, sending a thank you note—all still applies.
 
Now go get ‘em, tiger!
 

The Average Salary of an Architect

The average salary of an architect is $76,100 per year. Have you ever wondered how much an architect earns? Becoming an architect requires an investment of money and time, but pays off in the form of a rewarding career that comes … Continue reading →

The post The Average Salary of an Architect appeared first on SmartAsset Blog.

15-Year Fixed vs. 30-Year Fixed: The Pros and Cons

It’s that time again, where I take a look at a pair of popular mortgage programs to determine which may better suit certain situations. Today’s match-up: “15-year fixed mortgage vs. 30-year fixed mortgage.” As always, there is no one-size-fits-all solution because everyone is different and may have varying real estate and financial goals. For example, [&hellip

The post 15-Year Fixed vs. 30-Year Fixed: The Pros and Cons first appeared on The Truth About Mortgage.

Watch Your Wallet: 7 Hidden Costs of Self-Isolating at Home During Coronavirus

As some expenses decrease during self-isolation, others can creep up. To brace yourself and your budget, keep an eye on these costs while in quarantine.

The post Watch Your Wallet: 7 Hidden Costs of Self-Isolating at Home During Coronavirus appeared first on Real Estate News & Insights | realtor.com®.

Secured vs. Unsecured Loans: Here’s the Difference

Whether you’re trying to buy a home or looking to get a college degree, you may need to take out a loan to finance your goals. If you’re seeking out your first loan, know that borrowing money is a common…

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The post Secured vs. Unsecured Loans: Here’s the Difference appeared first on MintLife Blog.