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How Much Do Surgeons Make?

how much do surgeons make

A full-time employee in America makes an average of $3,744 a month, while the average surgeon makes around $21,259 a month!

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Becoming a surgeon might be a difficult endeavor, but it proves worth it in the end. Surgeons have one of the highest paying jobs making $17,515‬ more a month than the average American.

What Do Surgeons Do?

A surgeon is a physician who uses their expertise to primarily perform surgeries. They are specialized doctors who focus their education and medical practices on performing surgeries. They operate on lots of ailments from broken bones, removing cancerous tumors, and hip replacements. Ultimately, a surgeon is someone who fixes, replaces, or removes both internal and external parts of the body.

Surgeons can either become a Medical Doctor (MD) or Doctor of Osteopathic Medicine (DO). An MD lets them practice conventional (allopathic) medicine. A DO lets them practice osteopathic (more holistic) medicine.

Surgeons can also specialize in certain kinds of surgeries. For example, orthopedic surgery involves the musculoskeletal system, neurological surgery involves the brain and nervous system, cardiovascular surgery has to do with the cardiovascular system, and plastic or reconstructive surgery often involves fixing cosmetic or functional issues.

How to Become a Surgeon

Medical professions have some of the longest processes for becoming doctors and surgeons. But these professions also come with the biggest payouts in the end. Literally!

1. Get a Bachelor’s Degree

+4 years

The first thing you’ll need to do on your journey to become a surgeon is to get a bachelor’s degree. This involves a four year degree from an accredited post-secondary university.

You’ll want to use these 4 years to major and minor in subjects that will help you pass the Medical College Admission Test (MCAT) and help give you a knowledge base for medical school. Some good subjects to study include, science, biology, health science, chemistry, physics, and kinesiology.

Another thing you’ll need to do during these 4 years is fulfill pre-med course requirements and healthcare experiences. You’ll need to have both of these things for your application to medical school. Talk to your school and make sure you know what courses are required for you to take and look into doing internships, job shadowing, and volunteer experience at your local health facilities.

2. Pass the MCAT

In your senior year of college

Now it is time to take and pass the Medical College Admission Test, most commonly referred to as the MCAT. You’ll take this test in your senior year at college.

It takes some people a few tries to pass the MCAT. You can take the MCAT 3 times in a year, 4 times in 2 years, and 7 times all together. There are also plenty of helpful resources out there to help you practice for this exam.

3. Enroll in Medical School

+4 years

Once you pass the MCAT you can enroll in medical school! In medical school you will complete a Medical Doctor (MD) or Doctor of Osteopathic Medicine (DO) degree. As stated above, an MD lets you practice allopathic medicine while a DO lets you do osteopathic medicine.

In medical school you will learn all things related to medicinal practices. You’ll learn subjects like biochemistry, physiology, human anatomy, pharmacology, pathophysiology, microbiology, and preventative medicine.

In your last 2 years at medical school you’ll start doing clinical rotations with the supervision of experienced doctors. This will help ease you in to getting real first-hand, medical experience.

4. Complete a Surgical Residency

+5 years

After you finish medical school it will be time to complete a surgical residency. This where you can start to specialize in a certain area of surgery like orthopedic, neurological, cardiovascular, thoracic, obstetrical, pediatric, or reconstructive surgery. You will do all this while still under the guidance of other experienced surgeons. A surgical residency usually lasts about 5 years.

5. Get Licensed

Now that you have finished your surgical residency you can get licensed and board certified. The requirements for a surgical license will depend on the requirements and process of the state where you want to practice. But usually, to get your surgical license you will need the following:

  1. Graduate medical school
  2. Complete your residency
  3. Pass an examination

There are 2 types of examinations you will need to pass to get your surgical license, depending on whether you got an MD or a DO.

  • MD exam: U.S. Medical Licensing Exam (USMLE)
  • DO exam: Comprehensive Osteopathic Medical Licensing Exam (COMLEX)

It’s also recommended you get board certified with the American Board of Surgery (ABS).

How Long Does It Take to Become a Surgeon?

After getting a bachelor’s degree, going through medical school, and completing your residency, it can take you up to 13 years to become a surgeon.

Different Types of Surgeons

How Much Do Orthopedic Surgeons Make?

An orthopedic surgeon performs surgeries on bones, joints, ligaments, tendons, and muscles. As an orthopedic surgeon, you can be a general surgeon or you can specialize in a specific niche like hips and knees. According to Salary.com orthopedic surgeons can expect to make a median yearly salary of $484,210.

How Much Do Plastic Surgeons Make?

Plastic surgeons work with everything involved in the restoration, reconstruction, or alteration of the body. Often this field of surgery is separated into two categories, namely, reconstructive surgery and cosmetic surgery. Plastic surgeons might do anything from performing nose jobs to helping burn victims. They make an average $220,473 a year.

How Much Do Pediatric Surgeons Make?

Pediatric surgeons specialize in surgery for fetuses, infants, children, adolescents, and even young adults. These young ages come with their own challenges and expertise. A pediatric surgeon can make around $446,154 a year.

How Much Do Trauma Surgeons Make?

Trauma surgeons use operations and non-operative methods to handle traumatic injuries. This includes emergency surgeries on patients in critical conditions, like those who’ve just been in a severe car crash. Trauma surgeons make an estimate median salary of $402,462 a year.

How Much Do Oral Surgeons Make?

Oral surgeons can also be called maxillofacial surgeons. They specialize in surgeries that involve the face, mouth, and jaw. They are often closely related to dentistry as well. They make about $284,089 a year.

How Much Do Surgeons Make?

If you’re going to go through 13 years of schooling with several difficult exams and residencies, then it needs to be worth it. You’re going to go through long periods of intense schooling and residency work.

According to the American Medical Student Association (AMSA) over 86% of graduates have tuition debt. In 2016 it was estimated that the average medical school student had $190,000 in student debt. But this doesn’t mean you should dismiss the idea of becoming a surgeon. Student debt can be a worthwhile investment into your future. All you have to do is determine the return on investment (ROI).

Financial constraints can be a real hassle, but Check City can help you with the day-to-day financial struggles with an easy to get Check City Payday Loan!

How Much Do Surgeons Make a Year?

how much do surgeons make a year

According to the Bureau of Labor Statistics surgeons in the lowest 10% percentile can make an annual wage of $94,960, while surgeons in the highest 90% percentile make around $208,000 a year. This means that in general, surgeons make a mean annual wage of $255,110 a year.

According to PayScale surgeons in the lower 10% make $87,000, the average surgeon makes $221,093, and the highest 90% make $511,000 a year.

How Much Do Surgeons Make in a Month?

Considering the numbers given to us by the BLS, surgeons can expect to make a mean monthly income of $21,259. But according to the average annual salaries from PayScale, surgeons make an average $18,424 a month. This is still far greater than the average monthly income of most full-time Americans.

According to the highest estimated numbers surgeons can even make up to $42,583 a month.

How Much Do Surgeons Make in a Week?

One of the most practical ways to see and understand a potential salary is to break it down into weekly pay. According to the average annual salaries, surgeons can make $5,314 or $4,606 a week and $10,645 a week at most.

The BLS states that most surgeons make about $122.65 an hour and PayScale isn’t far from this number with an average $103.50 an hour. So according to mean hourly wages, if they work 40 hours a week surgeons can expect to make roughly $4,906 a week.

Pay by Location

How much a surgeon gets paid can depend on many factors, like what state you live in, which city in that state you live in, or what kind of facility you work in.

For example, here’s how much a surgeon can expect to make depending on the medical facility that hires them:

Offices of Physicians $265,920
General Medical and Surgical Hospitals $225,700
Colleges, Universities, and Professional Schools $175,410
Outpatient Care Centers $277,670
Specialty (except Psychiatric and Substance Abuse) Hospitals $235,770

From this table you can see how different types of facilities and fields of expertise can impact annual salaries. Different states can also offer higher or lower pay.

Top Paying States for Surgeons:

  1. Wyoming
  2. Wisconsin
  3. Utah
  4. South Dakota
  5. South Carolina
Pay by Experience Level

pay by experience level

A surgeon’s pay can also depend on their experience level. This can include how many years they’ve been working or the kinds of skills they develop.

So a surgeon who is beginning their career with 1 to 4 years of experience makes an estimated $101,736 a year, 5 to 9 years makes $150,000, 10 to 19 years makes $275,000, and 20 or more years make $395,000.

For example, having emergency or trauma skills can boost your salary by 122%! A general surgeon makes an average of $221,093 a year while a surgeon with emergency and trauma expertise can make up to $491,318 a year. That’s over twice the salary!

If surgery isn’t for you there are still many potential jobs out there in the medical field. If you’re looking for a little less schooling you could become a nurse! Or if you want better hours and less intensity you could become a dentist.


Sources


US Bureau of Labor Statistics. “Surgeons.”

Job Interviews Tips for 2020

job interview

Job interviews can be a stressful part of the job hunting process. But with some tips, you can easily ace your next interview and land your dream job!

Do you have a weakness for job interviews? Succeeding in job interviews is a crucial part of the job consideration process. How you do in the interview can be the deciding factor in whether you get hired or not. That’s why we put together this master guide with all the job interview tips you need.

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When searching for a new job, part of the process often includes an interview. Employers conduct job interviews so they can get to know you and ask important questions. They want to gain a better impression of who you are than they can from just your resume. This will then better help them decide who to hire.

Job Interview Preparation

There are things you need to do before, during, and after an interview in order to ace it. First, we’ll go over what you need to do before you even get to the interview. These tips will help you feel confident and prepared for job interviews when they come.

Research the Business

Before you go into an interview, you should sit down and do some research on the company or business you are interviewing with. Find their website, visit their store, read reviews, and read articles about them to become more familiar with the company.

You want to research the business because then you’ll have a clearer understanding of what they do and what might be expected of you at this new job.

Download a Free Resume Template.

You can even research the company before you send in your resume. Then you can tailor your resume and cover letter to that particular business. For example, you might see on their website that community service is important to the members of this company. Then you can be sure to list your volunteer experience first on your resume.

Review the Job Description Again

Read and review the job description so that you really understand all the information the employer has already provided about the job. That way you won’t ask questions in the interview that you should already know the answer to. It will make you look bad if you don’t know something that was clearly stated in the job posting.

Pay particular attention to the skills and requirements they list in the job posting. This will give you important insights into what they want to know about you in the interview. For example, if photoshop is a required skill, then be prepared to talk about the ways you’ve successfully used photoshop to complete jobs and tasks in the past.

What to Wear to a Job Interview

Don’t pick the clothes you are going to wear on the day of the interview. This will make it take longer for you to get ready and leaves you vulnerable to wardrobe malfunctions and catastrophes. Instead, pick your clothes a few days before, try them on to see how they look, and make sure they’re clean, ironed, and neat.

A lot of people also wonder what to wear to a job interview. But picking job interview outfits doesn’t have to be complicated. It is usually better to be overdressed than underdressed. So no matter what the job might be, it’s always a good idea to dress Business Professional.

Business Professional includes things like skirts, suits, suit jackets, blazers, button-down shirts, collared shirts, and dress shoes.

It’s also important that you manage your grooming before a job interview as well. To give your best first impression you want to be clean, look clean, and smell clean. Also, be careful not to wear too much perfume or cologne. The purpose of proper grooming is to look like you know how to manage and take care of yourself.

Plan your Trip

Plan your transportation ahead of time for the day of the interview. Know how you are getting there and when you need to leave. Be 15 minutes early to make sure you aren’t late and to show how punctual you are.

You’ll also want to make transportation preparations to make sure you have enough gas in the tank or suddenly realize you didn’t ask for the address. You should also ask for a phone number to contact in case you have trouble finding your way. Some people even like to make the trip to the interview the day before just to make sure they won’t get lost on the day of the interview.

Don’t Forget to Eat!

Eat an hour or so before you go to the interview. You don’t want to suddenly have a rumbling stomach during the interview or trembling fingers because you didn’t eat yet that day.

When you’re nervous, it can be easy to lose your appetite and forget to eat. So don’t forget to put feeding yourself on your preparation list for the job interview.

Bring a Notepad and Pen

Bring your own notepad and pen so you can take notes if you need to during the interview. You can also use the notepad to keep a list of questions you want to ask so you don’t forget them.

Having a notepad with you can also help you look more professional and ready to be productive.

Job Interview Tips

There are things to do and not do, during the interview as well. A lot of these job interview tips revolve around the art of public speaking. In a job interview, you have to make conversation in front of a stranger, or even several strangers sometimes. You want to learn some public speaking skills so you can present yourself well and give a good first impression.

Avoid Fidgeting

Don’t fidget in your chair too much. When you’re nervous it can be easy to tap your foot incessantly without even noticing you’re doing it. But your interviewer notices.

Learn to talk with both feet firmly planted on the ground and your hands in your lap. Do a test run of public speaking for the interview with a friend to get someone to notice your nervous ticks for you so you can work on them.

Avoid Filler Words

Don’t use filler words. This can be a very difficult habit to get rid of, but with some practice, you can do it. Practice talking through your interview with a friend who has a counter and can count all the times you say your favorite filler words.

Do several practice runs until that number goes down or even reaches zero. Once you force yourself through practice to get rid of filler words in your speech, you’ll find it a lot easier to avoid them.

Make Eye Contact

Make eye contact with the person conducting the interview. Making eye contact shows open, friendly, and confident body language. It can also help you seem less nervous than you are if that’s something you struggle with.

But it’s also ok to look to the right or left of someone or up at a spot on the wall or ceiling as you explain an answer if this helps you focus on your answer and not feel nervous.

Keep Body Language Open and Friendly

Use open body language and avoid using closed body language without realizing it. Open body language will help you come across as confident and friendly, a perfect candidate for the open position.

Closed body language includes things like crossing your arms or legs, avoiding eye contact, or slouching your shoulders.

Open body language includes things like shaking hands, making eye contact, keeping both feet on the ground, not crossing your arms, and having good back posture.

When you practice for the job interview with a friend, also practice having good posture, looking your interviewer in the eye, and using open, confident, and friendly body language.

Don’t Criticize Others

Don’t criticize or complain during the interview. This will make you seem tacky, immature, unprofessional, or even rude. It’s particularly a bad idea to complain about your previous boss in an interview. This will not earn you points in their eyes or flatter your potential future boss.

Instead, this kind of talk will make them think you’ll talk bad about your new boss or the company behind their backs and no employer wants that for their business.

The person conducting the interview might ask you some questions about your old employment like, “what were some things you didn’t like about your previous job?” or “why did you leave your previous job?”

Answer these questions without making things too personal. They don’t want to know that you found your old boss annoying or that this one coworker talked about their cat too much. They want to know more about what you do and don’t want in a job to see if this job is a good fit for you.

Job Interview Questions

We’re going to go over the most common job interview questions and how best to answer them. The biggest thing you’ll want to prepare is your answers to interview questions. That’s why we’re including this list of job interview questions and sample answers. The best way to practice answering job interview questions is to practice answering them with someone. Even if that someone is yourself in a mirror.

Socializing with other ppl in your field is also a great way to network with important people and learn how to talk about yourself within your field.

Common Interview Questions

The best way to answer interview questions successfully is to have a story in mind for each possible question. Have job interview related stories prepared that could illustrate something useful to a potential employer.

Download a Free PDF Printable of a Job Interview Questions Practice Sheet.

Have examples of when you did hard things, handled conflict, overcame things, had success, when you failed and got back up, when you were a leader, or when you contributed as part of a team.

Tell me about yourself.

This question leaves interviewees everywhere at a loss for words. It’s hard to talk about yourself, and we don’t do it very often, but you’ll want to learn how to talk about yourself in relation to your field.

What an interviewer wants to know by asking this question are things related to the job. If you’re applying for a science job they don’t necessarily want to know how you like soccer.

When an interviewer says, “tell me about yourself” they want to hear a brief overview of your career so far.

What are your weaknesses and strengths?

When an interviewer asks about your strengths and weaknesses they are trying to determine how you perform your job. If you have a weakness within your area of expertise they want to hear about the efforts you’re taking to overcome that weakness.

If you have a particular strength within your field they want to know how you got there and what you learned from developing that strength. They want to see how you function as a person and a potential employee.

Where do you see yourself in the future?

This question might come with an arbitrary amount of years tacked onto it like, “where do you see yourself in 5 years?” but the intentions behind the question are the same. The employer wants to know what your long term goals are and whether those goals will be best served at this job. They want to know what you can gain from this job and what this job can do for your 5-year plan.

Actually sit down and make a current 5-year plan for yourself. It’s ok if your 5-year plan changes each year, it’s just good to have ambitions, an eye on the future, and responsibility for yourself and your future. This is your opportunity to show them you are a goal-oriented person and know how to make plans to reach those goals.

Why should we hire you?

What an employer wants to know here are specific ways you might contribute to this job and help make things better. You can show them how you’ll do this by giving examples of the contributions you’ve made in previous jobs.

For example, maybe you love organizing and helped optimize a filing system at your previous job. You could tell this story to illustrate how your eye for details and organization would make you an asset at this new job as well.

Why do you want to work here?

This question is closely tied to the “where do you see yourself in the future?” question. They want to know how this job fits into your life and your goals. They want to know why you are excited about this job and all you could contribute to making this position better than when you found it.

They want to hear about which parts of this job you feel the most passionate about and why it’s important to you. Maybe you want to work at this job because the position offers opportunities you’ve been looking for, or fits perfectly into your schedule, or allows you to pursue a passion you’ve always had.

At the end of the day, employers want employees who actually want the jobs they give them and who will be happy in this job position.

What questions do you have for me?

At the end of a job interview, they will often ask if you have any questions for them. This is your opportunity to 1) ask about important information that wasn’t available to you before now and 2) ask questions to help you determine whether this work environment is a good fit for you.

You can also ask some of these questions before your interview, like how much the position pays or what are the scheduled hours. Also, don’t be afraid to go in with a small list of questions so you don’t forget them during the interview.

Examples of questions to ask in a job interview:

  • Can this job be done remotely?
  • What does a normal day at this job look like?
  • What are the pay, benefits, hours like?
  • How would you describe the perfect employee?
  • What’s something you don’t like in an employee?
  • How would you describe the workplace environment here?
  • How soon can I expect to hear back about a decision?
Job Specific Interview Questions

Questions might also be based on what job you’re applying for. For instance, if you’re going to work with people a lot, or customers, they might want to know how you handle tough situations with people, or whether you prefer working with others or alone.

They might have a test at the interview depending on the job position. For example, editors might be asked to take an editing test. Make sure you know about any job-specific things to expect in your interview.

Phone Interviews

Phone interviews are often used when schedules and locations just don’t meet up. You might get a phone interview if you are applying for a job out of state or in a faraway town.

There are also some specific ways to prepare for phone interviews that you don’t have to worry about in a normal interview.

Get Rid of Distractions and Noises

Let everyone in the house with you know you’re doing an interview so they know not to disturb you. If you have roommates they can be quiet or make sure they’re out of the house during your interview. If you have kids, you could drop them off at the babysitter’s house for the interview or have a spouse play with them outside while you focus all your attention on the call.

Basically, you don’t want noises in the background of your call. This can distract both you and the interviewer, making it more difficult to perform the interview over the phone.

Dress Up Anyway

Even though you aren’t going anywhere and no one is seeing you, you can still get dressed in business attire. When you’re on the phone it can be easy to forget the professional tone you need for this conversation. But if you’re dressed for an interview then it will be easy for you to remember what you’re doing and take on the professional behavior and tone you need.

Check for Technical Difficulties

Make sure you have good service where you take the call. You want to make sure you won’t lose the call and that you’ll be able to hear them well. If your phone’s speakers aren’t great then you might want to have them fixed before the interview. You could also connect your phone to a speaker to better control volume and hear them better.

Video Interviews

Video interviews are another way employers might conduct their interviews. This might just be an easier way for them to get through their interviews. Video interviews allow you to have the full interview experience without anyone having to travel.

Dress Professionally

Dress and groom yourself the same way you would if you were going to the interview. Because it’s a video interview and not a phone interview, they’ll still be able to see you, so you’re going to want to dress in business attire.

Check for Technical Difficulties

Check your video chatting capabilities with a friend to make sure you aren’t going to run into technical difficulties. A video interview would be ruined if suddenly your camera or video capabilities aren’t working. So do a test run first. Check the video quality, the sound quality, and the connection.

Tidy Up

Choose where you’re going to sit for the video interview. Then clean up the space around your designated spot. You don’t want the background behind you to distract the interviewers. Showing yourself in a clean environment will also help you make a good first impression and show you have your life together at home.

Get Rid of Distractions, Noise, and Interruptions

During phone interviews, you need to get rid of loud noise distractions, but for a video interview, you need to get rid of noise and visual distractions. Talk to whoever else might be in the house with you at the time so they know not to walk into the video as well as make too much noise.

Follow Up Job Interview Email

After the interview is over you’ll want to send a follow-up email. The interviewer took time out of their own day to talk to you and give you an extra chance at the job. They thought you were a good enough candidate to actually meet with them before they make a final decision.

So don’t forget to send a thank you email to them for taking the time to meet you and considering you for the job. You can also offer to answer any other questions if they need to contact you again.

Job Interview Follow Up Email Template:

 

Recipients Name,

Thank them for their time and consideration.

Remind them of why you would be good for this position and why you are interested in this job.

Mention how you look forward to hearing from them and let them know how to contact you if they have any further questions.

Sincerely,

Your Name

 

And now you wait. It might be appropriate to send another follow-up email if you don’t hear back from them after a week. There’s also a chance you’ll receive a follow up job interview and need to go through a second interview process. A follow up job interview happens when an employer has reduced a larger pool of candidates and getting a follow up job interview means that you made the final cut! Now you just have to ace your follow up interview and await their final decision.

You might also need some financial help to get you between jobs. That’s where the Check City Personal Loan comes in.

Useful Job Resources

You can also check out this helpful resource for job interviews at RobertHalf.com.

You can start finding jobs by using sites like, Indeed or ZipRecruiter.

If you’re looking for job interviews you might also need to know How to Make a Resume. If you need a resume you might also need to know How to Write a Cover Letter to go with your resume.

Depending on the type of job you’re applying for, you might also need to know How to Make a Portfolio, whether it’s a hard copy portfolio, or a website portfolio.


How to Become a Morning Person

how to become a morning person

As humans, we all struggle with a lot of common things. Losing weight, eating healthy, working out, not procrastinating, and waking up in the morning.

But becoming a morning person might be in your best interest if you, like many people, have an early morning schedule. Most people need to get up between 6:00 and 7:00 in the morning to have enough time to get ready and get to work.

In fact, about 85%of people get up early in the morning but only 22% would have an early morning schedule if they had a choice. So becoming a morning person would make this one aspect of your life more manageable and even maybe enjoyable.

The Importance of Quality Sleep

Just like eating healthy, exercising, and drinking enough water, sleep is an important part of our physical health that you may be forgetting about. Your body needs sufficient sleep and quality sleep in order to perform important internal functions.

Why Your Body Needs Sleep:

Many things in your body need sleep, like your brain, lungs, heart, and muscles. When you’re sleeping your whole body slows down. Your heartbeat and breathing get slower, your temperature drops, your muscles relax, and even your brain activity takes a beat.

All your systems decide to take a much needed break while you’re asleep. One system that especially needs this break is your brain. While you’re sleeping more cerebral spinal fluid pumps through your brain than when you’re awake. This spinal fluid literally cleans out the regular, everyday buildup in your brain and might even help prevent Alzheimer’s disease.

Your body is also able to focus more of its efforts on healing and repairs while you’re asleep. Because other functions are able to shut down, your body can work overtime fighting off illness or repairing muscles from everyday wear and tear or exertion.

1. Get into a Routine

The number one best way to successfully become a morning person is to establish a routine that you stick to every day of the week. The best way to successfully stick to a routine is to make your routine something you actually look forward to.

Download a Free PDF Printable for My Daily Routine Template.

You are going to want to set both a morning and evening routine. It might look something like this:

Morning Routine Example

It’s also a good idea to schedule some daily exercise into your day first thing. This will make you feel more productive, get your body energized and ready to go.

  1. Stretch
  2. Make the bed
  3. Drink a glass of water
  4. Brush teeth
  5. Shower
  6. Get dressed
Evening Routine Example

The purpose of an evening routine is to wind down at the end of the day, relax, calm yourself, and prepare your body and mind for sleep. Avoid doing activities that wake you up, and search for activities that relax your body and mind.

  1. Tidy up
  2. Prepare for the next day
  3. Get into sleepwear
  4. Plug in your phone
  5. Read a book

Download a Free PDF Printable for My Daily Morning/Evening Routine Template.

Make your mornings worth waking up for by planning things that make waking up worthwhile.

Think of your favorite way to get going, and put that in your morning routine. Then think of your favorite way to wind down and relax, and put that in your evening routine.

Here are a few examples to get you started on your own list:

  • Create a morning and evening playlist for how long you have to get ready in the morning or for bed.
  • Use your morning or evening time to write a daily journal entry.
  • Go through emails.
  • Read a book.
  • Schedule some family time.
  • Meditate.
  • Listen to podcasts.
  • Do a simple puzzle.
  • Read the news.
  • Water the plants.
  • Walk the dog.

If your body is on a schedule, it’ll perform better during the day, and make things like falling asleep, sleeping well, and waking up when you need to, easier. Wake up at the same time on weekends too so you never throw yourself off.

2. Get a New Alarm

The way you wake yourself up can also have a large impact on how easy it is to get out of bed in the morning. It’s common for alarms to be, well . . . alarming.

But waking up so abruptly is actually not the best way for your body to wake up, according to a study done by the National Institute of Industrial Health. It’s better to wake up gradually, and more naturally.

There’s a reason waking yourself up naturally on a Saturday is so much easier than getting up to a loud alarm sound all at once. This study found that “self-awakening” was a better, and even healthier way to wake yourself up each day.

Natural Alarm Clocks

There are some alternative alarm clocks you can use to help yourself wake up more gradually in the morning.

  • A sunrise simulator alarm
  • Morning sounds alarm clock
  • Leave the blinds open to wake up natural lighting
  • Quiet, gradual alarm that builds in volume over a period of time
  • Set the timer on the coffee pot to wake you up with good smells
  • Set your smart home devices to turn on lights at a certain time

3. Exercise Daily

You might not think about this, but exercising daily can actually help you sleep more sufficiently. Working out keeps your body fit and helps regulate your body. You’ll find healthy sleeping patterns easier when you stick to a healthy fitness pattern.

Many people have argued that your body receives the most benefit from exercising in the mornings. If this routine works for you then go for it, but recent research also suggests that just working out at the same time each day is enough to see all those benefits.

4. Eat Right

If you haven’t figured it out yet, your overall physical health can greatly impact how much quality sleep you’re able to get each night. The same thing goes for eating well.

According to studies done by the American Society of Nutrition, your diet can impact the quality of your sleep. Eating a balanced diet fool of diverse, healthy foods is important to your body’s overall wellbeing and ability to function at full capacity, even in its ability to sleep efficiently.

Avoid Food and Caffeine Before Bed

Drinking caffeine too close to bedtime can keep you from falling asleep on time. Likewise, eating too close to bedtime can have a lot of adverse effects, like acid reflux, heartburn, restless sleep, nightmares, and even weight gain. Unless weight gain is something your body needs, then eating later in the day might be a good weight gain tactic for you.

Your metabolism is yet another thing that needs to slow down and take a break throughout the night. This is why the first thing you eat in the day is called breakfast because you’re breaking the nightly fast your body needs to reset for the next day.

5. Go to Bed on Time

You can’t get great sleep if you don’t give your body enough time to do what it needs to do while you’re asleep. That is why your goals should be set toward getting quality sleep each night. Understand sleep cycles and how they work can help you make that happen.

You’ll ensure you get quality sleep each night by sticking to a strict bedtime that allows you to get plenty of sleep each night.

6. Get Quality Sleep

There are different tactics you can use to help you sleep more comfortably, and therefore more soundly, each night.

  • Wash your sheets every 2 weeks
  • Shower before bed to get clean and wind down
  • Research what mattress is best for you
  • Get a sound machine
  • Get a humidifier
  • Get a fan
  • Keep your room cool and your bed warm

7. Get Enough Sleep

Different age groups need different amounts of sleep each night. Make sure you are getting adequate amounts of sleep for your age group.

amount of sleep

For example, newborns need the most sleep. They need around 14 to 17 hours every day. Infants need 12 to 15 hours, toddlers need 11 to 14 hours, preschoolers need 10 to 13 hours, and school-age children need 9 to 11 hours of sleep every night.

quantity of sleep

As you get older you need a little less sleep. Teenagers need around 8 to 10 hours each night, young adults need 7 to 9 hours, adults need 7 to 9 hours, and older adults need around 7 to 8 hours of sleep each night.

So if you’re wondering, “how much sleep do I need?” wonder no more! Use this simple chart to figure out how much sleep is best for you, and then plan your sleeping schedule accordingly.

8. Limit Screen Time Before Bed

The lights from the screen of your phone, computer, tablet, or TV can strain your eyes and keep you awake at night. But cutting out some relaxing phone scrolling before bed can be hard to do.

There are two ways to make limiting screen time before bed easier. You can either replace evening screen time with a screen-less activity that you find equally enjoyable or you can turn on night mode and blue light filters on your screens to help reduce the strain on your eyes.

Many devices even come with timers you can set so your phone will automatically turn the blue light filter on in the evenings. But don’t give up too quickly on finding other things to do before bed that doesn’t involve screens.

Instead of watching TV or being on your phone before bed, you could read a book, draw a sketch of the day, take a soothing bath, write in your journal, or have a bonding talk session with a loved one.

At the very least you can turn things on night mode or turn the blue light filter on, or turn the brightness down on your screens to give your eyes a much needed break.

9. Don’t Do Homework in Bed

This idea can apply to a lot of things, like drawing, writing, reading, watching TV, and even eating, but the main idea is that you should use your bed for sleeping, and not use it as a kind of bedroom desk or seating area.

This is because using your bed for more than just sleeping can actually train your brain to stay alert in that place. If you work in your bed, then your bed becomes a place to think about schoolwork or other things.

Instead, set up a comfortable desk space that you can use to take care of things like homework and other personal business.

10. Destress Your Life

Stress can be a huge factor in the kind of quality sleep you are or aren’t getting. Destressing your life throughout the day can help you get better rest at night! Sit down and think about the common stressors you have in life. Then brainstorm with a loved one about how you might better alleviate those stressful aspects of your life.

Financial strain can be a big stressor in many people’s lives. That’s why Check City makes it easy to get a Payday Loan so you don’t miss any important payments before your next paycheck comes in.


How Much Do Computer Programmers Make?

how much do computer programmers make

Computer programmers make about $5,221 a month while the average full-time worker makes around $3,744 a month.

In America right now, computer programmers tend to make about $1,477 more than the national average and that’s only considering the median salary figures for computer programmers. GlassDoor says that computer programmers can make up to $9,166 a month!

What Do Computer Programmers Do?

Computer programmers can work in a wide variety of fields. But mainly, computer programmers create and troubleshoot code, computer software, and computer programs.

Computer programming itself is all about writing instructions for computers so that programs and software work the way they are supposed to. Computer programmers often use their skills to help programs be more user-friendly for customers or other company employees.

Computer programmers complete their jobs by learning and using computer languages like Java, C++, C#, and Python, just to name a few out of many. Aside from computer languages, computer programmers also want to stay up to date in the world of technology throughout their careers.

The Best Coding Languages to Learn

coding languages

If you want to become a computer programmer you’ll want to start getting familiar with computer languages. There are many many computer programming languages, but some are more popular than others.

The 5 Most Popular Computer Languages:

  1. Java
  2. C
  3. C++
  4. Python
  5. C#

The languages you learn as a computer programmer can also be important to your future salary.

Java

Java is a useful language to know because it can be used on any platform, regardless of whether it’s Windows, Mac, Android, iOS, mobile, or desktop. It’s a very commonly used language that can be used for web development and creating apps. Java is considered to be an intermediate level coding language since you will need to learn some specific vocabulary.

Computer programmers who know Java make an average of $94,000 a year.

C

C is a very old computer language. It is actually the root language behind other coding languages like C#, C++, and Java. Because of this, many people recommend learning C first in order to get a good foundation in computer languages. C language is a high-performance language at the intermediate to advance level. You need to have some knowledge of computers before you start working in this language.

Computer programmers who know C make an average of $91,000 a year.

C++

C++ is a language branched off from C language. But while C language is intermediate to advance, C++ is only beginner to intermediate, making it a bit easier of a language to learn if you’re just starting out. Many have also been migrating from C to C++ because it is more intuitive in how it’s used.

Computer programmers who know C++ make an average of $91,000 a year.

Python

Python is a very common language and it is growing in popularity. Of all the languages mentioned here, Python is probably the easiest to learn. It is a beginner level of difficulty so if you’ve never learned a language before, Python might be the best language to start with.

Computer programmers who know Python make an average of $92,000 a year.

C#

C# was created by Microsoft and is similar to the C++ language. It’s a language that is most compatible with Windows, Android, and iOS and uses the concept of object-oriented programming.

Computer programmers who know C# make an average of $91,000 a year.

How Long Does it Take to Learn Coding

About 3 months

How long it takes you to learn a coding language will largely depend on the route you take to learn the language. Many programs and courses can teach a coding language in 3 months.

But you can also take college courses as a computer science major, and learn several important coding languages in 4 years. Either way, learning a single coding language is going to take you a matter of months to fully learn.

How Do You Become a Computer Programmer?

Another perk of computer programming is that the process to become one is rather uncomplicated.

First, get a bachelor’s degree

The most common bachelor’s degrees for computer programmers are computer science, information technology (IT), or mathematics.

Next, specialize in one or 2 computer languages

Becoming certified in these computer languages will be especially helpful in your career as a computer programmer. Besides your school, there are many places you can go to take courses, training, and testing for certifications. And if you need help paying for the courses you need, you could take out a Check City Personal Loan.

You may need to learn many coding languages throughout your career as a computer programmer, but starting by specializing in one or two is a great way to get your foot in the door. Specialized knowledge in one or two of them might also help make learning other languages easier later on.

How Much Do Computer Programmers Make?

computer programmer salary

Knowing your earning potential can help you know what offers to expect and accept when searching for a job. It can also help you make decisions about which career path to choose.

How Much Do Computer Programmers Make a Year?

According to PayScale computer programmers make around $40,000 to $98,000 per year. Their average yearly salary is around $62,663.

But other places have some things to say about the earnings of computer programmers too. Like the GlassDoor, that says computer programmers’ salaries range between $58,000 to $110,000 a year, with a base average pay of $76,526 a year.

Meanwhile, the salary range for computer programmers according to PayScale is $40,000 to $98,000 a year, with an average yearly salary of $62,663.

With $44,928‬ a year as the average salary for full-time workers in America, computer programmers do rather well for themselves.

How Much Do Computer Programmers Make in a Month?

Computer programmers can make an average of $5,221 per month, according to the average annual salaries mentioned above. But they also have the potential to make up to $9,166 a month.

How Much Do Computer Programmers Make in a Week?

As a computer programmer, if you are being paid hourly instead of a yearly salary, you can expect to make around $21.99 an hour and $879 a week. But according to ZipRecruiter computer programmers can make up to $47 an hour!

Pay by Location

pay by location

Sometimes where you work can impact what kind of pay you can expect. For example, New York makes 25% above the average pay, Los Angeles California makes 2% below, and Houston Texas makes 7% below.

Some of the best paying cities are Seattle Washington ($129,290), Charlottesville Virginia ($112,240), Vallejo California ($112,000), Olympia Washington ($107,890), and Hartford Connecticut ($106,250).

Some of the best paying states are Washington ($126,920), District of Columbia ($105,200), California ($97,470), Arizona ($95,900), and Massachusetts ($95,380).

Pay by Experience Level

pay by experience

Your experience level can also determine how much you get paid each year. Most jobs will pay you more, the more experience you have. Programmers who have only been working for a year or less can make an average of $51,344 a year, with 1 to 4 years of experience they can make $56,731, 5 to 9 years of experience can make around $69,571 a year, 10 to 19 years of experience can make around $77,466, and finally, with 20 or more years of experience, you can make around $84,664 a year.

Related Jobs

related jobs

If computer programming isn’t quite what you were looking for, there are other jobs related to computer programming that might better pique your interest. Some jobs related to computer programming are software developers, database administrators, computer systems administrators, computer and information systems managers, or computer and information research scientists.

Software developers make an average $105,590 a year, make $90,070, make $82,050, computer and information systems managers make $142,530, and computer and information research scientists make $118,370 a year.

There are many jobs to choose from out there and it can be hard to make a decision. But with the right help, you can figure out what you want to do in life with ease.


Sources


US Bureau of Labor Statistics. “Computer and Information Technology/Software Developers,” “Computer and Information Technology/Network and Computer Systems Administrators,” “Computer and Information Technology/Database Administrators,” “Computer and Information Technology/Computer and Information Research Scientists.”

How Much Do Dentists Make?

dentist salary

When picking a profession many people wonder about annual salary, because earning potential might impact which career path you choose.

By knowing how much you can earn in each field, you can better know what jobs best fit your desired lifestyle and have the ability to support yourself and your loved ones. Meanwhile, if you’re in between jobs and need some financial help, feel free to check out Check City’s Payday Loans to help get you through the job hunt.

The Different Kinds of Dental Professions

Dentistry is a great profession to go into if you want great hours along with great pay. There are also many different kinds of dentists so you have many choices within the field of dentistry as well.

All dentists need to have a professional degree, which usually involves going to dental school, though some dental professions require even more schooling. As we go down this list of dentist professions, their amount of required education increases.

Dental Assistant

Dental assistants are like the RNs of the dentistry world. They help out the dentist, perform routine cleanings, take x-rays, keep records, and schedule appointments.

General Dentist

A general dentist is the person you see for your regular annual dental checkup. They primarily focus on preventative care by teaching you how to take good care of your teeth so problems don’t occur in the first place. They’ll perform cleanings, X-rays, fillings, and other basic dental care.

Pediatric Dentist

A pediatric dentist is just like a general dentist except they specialize in treating children. Children come with their own kind of teeth and their own struggles when it comes to doctors, so pediatric dentists are helpful in that they focus on managing children, teaching them in ways they’ll understand, making the experience at the dentist less scary, and caring for their young mouths as they grow from baby teeth to adult teeth.

Orthodontist

If you have braces then you know that orthodontists are the ones you go to for this kind of care. But they don’t just handle braces. They also handle a lot of other issues connected to a misaligned mouth or jaw.

Oral and Maxillofacial Surgeon

Oral and maxillofacial surgeons are the surgeons of the mouth. They focus less on teeth and more on the tissues around the mouth—like gums, cheeks, lips, palates, tongue, and other facial tissues. These are obviously going to be more invasive treatments, so oral and maxillofacial surgeons continue school for a while after completing dental school. Though they focus more on the tissues related to the mouth they do also deal with tooth extractions.

Periodontist

Periodontists are all about your gums. They specialize in taking care of gum-specific problems and treatments. Some examples of the issues that can occur with gums are inflammation, pain, and gum diseases. If you have an issue with your gums specifically, then you might need to see a periodontist.

Prosthodontist

Prosthodontists are the people you go to when you need a tooth replacement. They take care of what’s called oral prosthetics, like false teeth. They are also the doctors you see in advertisements about getting extreme smile makeovers.

Endodontist

Endodontists specialize on the inside of teeth. The inside of your tooth is actually full of soft, sensitive tissue and can suffer its own kinds of damages and ailments that need to be treated by a professional. These are also the dentists that perform root canals.

How Much Do Dentists Make a Year?

infographic dentist salary

In 2018, dentists made an overall median salary of $156,240 per year and $75.12 per hour.

The lowest earning 10% of dentists earned less than $72,840 a year and the highest 10% earned more than $208,000 a year.

According to the Bureau of Labor Statistics (BLS) general dentists make an average of $151,850 a year. According to PayScale, pediatric dentists make an average $178,141 a year, orthodontists make $181,705, oral and maxillofacial surgeons make $243,806, periodontists make $173,939,
prosthodontists make $169,853, endodontists make $201,080, and dental assistants make $34,095.

How Much Do Dentists Make a Month?

monthly income

In 2018, dentists made an average of $13,020 per month

Sometimes it helps to break down yearly salaries into monthly income, especially if you’re currently living month to month. According to the same figures above, general dentists make an average of $12,654 every month, pediatric dentists make $14,845, orthodontist make $15,142, oral and maxillofacial surgeons make $20,317, periodontists make $14,494, prosthodontists make $14,154, endodontists make $16,756, and dental assistants make $2,841 a month.

The BLS found in their most recent population survey that the average full-time worker makes about $3,744 per month or $936 per week. Meanwhile, the average dentist is making around $13,020 per month, putting dentists’ salaries far above the national average.

Dentist Earnings by Location

how much dentists make by location

Some of the highest employment rates for dentists come from California, New York, Texas, Florida, and Illinois.

The pay that dentists can expect can also vary depending on state. Some of the top paying states for dentists are Delaware, Alaska, Rhode Island, Minnesota, and New Hampshire.

Dentists do best in less dense areas because they are more likely to have less competition and therefore more pay and flexibility.

How much do dentists make in California?

California is actually the state with the highest employment level in the U.S. California also ranks in the top 5 for states with the highest number of jobs and locations for dentists. The mean annual wage for dentists working in California is $151,490 per year and $72.83 per hour. Overall, California is a great place to be for a dentist.

How much do dentists make in Texas?

Texas is also a high ranking state in terms of employment level and availability. They offer a mean wage of $185,680 per year and $89.27 per hour, so New York actually beats California when it comes to salary.

How much do dentists make in New York?

New York is also a top contender for the state with the highest dentist employment levels. They feature an annual mean wage of $164,520 and $79.10 per hour. Overall, Texas might beat both California and New York where annual salary is concerned, but you have to consider where you’d like to settle down as well.

How to Become a Dentist

Now that you’ve seen the many benefits of becoming a dentist, you might wonder where to start on your journey to becoming one!

Step 1: Get a bachelor’s degree

It’s most helpful for you to major in a pre-dentistry major if your school provides something like that, or in a science major in order to have the upper hand later in dental school.

Step 2: Take the Dental Admission Test

In a way, dentists have to take their own version of the MCAT, just like aspiring doctors do. It’s called the Dental Acceptance Test and it is administered by the American Dental Association. The test takes 5 hours, and the current average score is 19 out of 30 points.

Step 3: Get a doctorate

Make sure that whatever doctorate you go for will be accredited by the Commission on Dental Accreditation. This way you won’t have any problems getting your license to practice dentistry afterward.

Step 4: Get licensed

To get your dental license you have to take another test. The National Board Dental Examinations are administered by the Joint Commission on National Dental Examination

 

The perks to being a dentist are endless. Along with a great salary and job outlook, you can transform the lives of your patience and alleviate their fears along with their pains.


Sources


US Bureau of Labor Statistics. “Dentists.”

The Best Books by Dave Ramsey

dave ramsey books

Dave Ramsey is a New York Times bestselling author, and a radio show host on The Dave Ramsey Show.

You can find his books wherever you buy books and you can listen to his radio show wherever you listen to podcasts or the radio. All of his books are also on Amazon, where you can find the kindle versions for your e-reader, or audiobook versions so you can learn all about finances on the go.

Table of Contents:

When getting into Dave Ramsey’s books people often wonder which book they should start with? If you want to read Dave Ramsey’s books in order there are a couple of routes you can go. You can read them in the order he wrote them, or read them in order of the things you learn in each book.

Dave Ramsey’s Books in Chronological Order:

If you want to read all of Dave Ramsey’s books in order, you can follow this master list of all his books so far.

1992 – Financial Peace

1993 – Dumping Debt: Breaking the Chains of Debt

1998 – The Financial Peace Planner

1998 – More Than Enough

1999 – More Than Enough: The Ten Keys to Changing Your Financial Destiny

2000 – How to Have More Than Enough: A Step-by-Step Guide to Creating Abundance

2002 – Cash Flow Planning: The Nuts and Bolts of Budgeting

2002 – Financial Peace for the Next Generation

2003 – The Total Money Makeover

2003 – The Great Misunderstanding: Unleashing the Power of Generous Giving

2004 – The Money Answer Book

2008 – Relating with Money: Nerds and Free Spirits Unite!

2011 – Dave Ramsey’s Complete Guide to Money

2011 – Dave Ramsey’s High Performance Achievement: Accomplishing the Extraordinary

2011 – EntreLeadership: 20 Years of Practical Business Wisdom from the Trenches

2014 – Smart Money Smart Kids

2014 – The Legacy Journey: A Radical View of Biblical Wealth and Generosity

Dave Ramsey Kid Books: Life Lessons with Junior

kid books

4.38 stars on Goodreads

Life Lessons with Junior is a series of children’s books written by Dave Ramsey. In them, he goes over all the most basic concepts of money management. Following Junior’s adventures can teach your kids all about monetary responsibility in clear simpler terms they’ll understand. He goes over everything from spending, debt, saving, work, giving, contentment, and integrity. Don’t miss out on gracing your household shelves with these great childhood reads with life lessons your kids will keep with them all their lives.

Smart Money Smart Kids

smart money smart kids

4.26 stars on Goodreads

Smart Money Smart Kids is a book that Dave Ramsey wrote with his daughter, Rachel Cruze. It is a book that teaches parents all about how to teach their kids about money. Part of good parenting is preparing your kids to be responsible, independent adults someday and a big part of being an adult is knowing how to manage your money. In this book, Dave Ramsey and his daughter will tell you all about how to raise kids who are smart about their money.

If you’re looking for something from Dave Ramsey that can specifically help your teens, check out his article, “A Teenager’s Guide to Building Wealth.”

Dave Ramsey also has a great recommendation for a college 101 bundle that includes Debt-Free Degree by Anthony O’Neal and The Graduate Survival Guide by Anthony O’Neal and Rachel Cruze.

Financial Peace

financial peace

4.31 on Goodreads

Financial Peace is one of Dave Ramsey’s first books, but he has since revisited the book, renaming it, Financial Peace Revisited: New Chapters on Marriage, Singles, Kids, and Families. This newer edition of his first book now includes more information for married couples, singles, children, and families. This book is also where he introduces the KISS rule, which stands for “Keep It Simple, Stupid.” It’s about getting out of debt and staying out of debt and the idea that you should use contentment to make your financial decisions. It also goes over how to manage money flow and investing.

One of the primary keys to understanding your finances and being able to take control of them is to manage the flow of your money. A lot of people just let money flow as it does, not really thinking too much about where it’s coming from and where it disappears. But if you learn to take full control of where all your funds are going then the problem of disappearing funds won’t happen to you and you can find financial peace.

The Total Money Makeover: A Proven Plan for Financial Fitness

total money makeover

4.28 stars on Goodreads

A large part of what makes makeovers so fun is the joy of reaching your goals and having a different life and a different you at the end of your journey. But have you ever thought about going on a similar makeover journey with your finances? Dave Ramsey will show you how.

The Total Money Makeover may be one of Dave Ramsey’s most popular books. He talks about some of his most famous money tips all while debunking myths about money. He brings a simpler, more straight forward approach to money management that anyone can understand and utilize in their life, no matter their financial situation. Dave Ramsey says that this book can work every time, all you have to do is follow his steps.

Complete Guide to Money

complete guide to money

4.44 stars on Goodreads

In this comprehensive guide Dave Ramsey goes over all his basic financial tips and lessons—How to Budget with Dave Ramsey, how to save, how to get out of debt, how to invest, mortgages, insurance, marketing, bargain hunting, and giving. Anything you want to know when it comes to money, you can find in this master guidebook.

The Money Answer Book

money answer book

3.82 stars on Goodreads

The Money Answer Book is a quick read with questions and answers to more than 100 common money questions! It’s a fast guide that goes over budget planning, retirement planning, shopping tips, saving for college, giving to charity, and so much more. If you need something you can quickly leaf through to find the answers you’re looking for.

How to Have More than Enough: A Step-By-Step Guide to Creating Abundance

more than enough

4.11 stars on Goodreads

How to Have More than Enough is the newest version of Dave Ramsey’s earlier book, More than Enough. Once you have gotten out of debt, he has more down to earth advice about building wealth. Dave Ramsey’s perspective is unique because he doesn’t just talk about monetary wealth, he talks about having a wealth of happiness. He takes it a step further by talking about finding wealth in relationships and in your family. In this book, he goes through 10 traits you need to be prosperous in life beyond your financial situations.

EntreLeardership

entreleadership

4.21 stars on Goodreads

In EntreLeadership Dave Ramsey talks about how he built his company, and how to be a strong leader. He talks about how to grow as a leader and the questions you should ask yourself in order to develop yourself. This book has doable, step-by-step guidance to follow to become a better leader and watch your business grow as you do.

He talks about inspiring and unifying your team, handling your business finances, and reaching your business goals. If you are making your own business and you need some pro tips about leadership, this book is what you want. But you can find great insights in this book no matter what you are doing with your life right now. If you are a parent you can use it with your family or at work, you can use it with your coworkers! This is because leadership is really all about functioning efficiently as a team and reaching your goals together.

What Books Does Dave Ramsey Recommend?

We’ve talked all about books that were written by Dave Ramsey, but what about books that Dave Ramsey recommends? There are many other great financial reads you can find on Dave Ramsey’s website. You can also read more about Dave Ramsey’s steps to reach financial steps by reading, “Dave Ramsey’s 7 Baby Steps.” Here are just a few book suggestions from Dave Ramsey:

Dave Ramsey’s Book Club

If you’re interested in really tackling your finances with Dave Ramsey’s sage wisdom you can actually join Dave Ramsey’s official book club! All you have to do is create an account on his website and then join the book club (fees may apply). Then, at the beginning of each month, you’ll receive Dave Ramsey’s book club book of the month in the mail. You’ll also get an email with details about when the live book discussion will happen on the private book club Facebook page along with a study guide to use as you read.

For more answers to any questions you may have about the Dave Ramsey book club, just visit the book club’s FAQs Page.

 
Dave Ramsey along with his many inspiring books have helped a lot of people get back on their feet financially. You can take on his financial fitness challenge too and manage your money like never before.

Another way you can get some needed financial help is to take out an Installment Loan at Check City! Installment loans can help you stay on top of your bill payments and avoid late fees, which can really hurt your long-term financial goals.


What is Business Communication?

communication in business

Knowing how you communicate helps you understand yourself and others better while making you a more effective and productive interactor in the world.

What is Business Communication?

Business communication refers to any communication that goes on within a professional setting. This includes presenting information in meetings, brainstorming in a team, or problem solving with your coworkers.

Why is Communication in Business Important?

Whether you are a large or small business owner, good communication is always good for business. Effective business communication can also help with employee engagement.

A survey was done with 400 different companies and 100,000 total employees, and they found that each company lost an average of $62.4 million in profits because of poor communication. That’s a lot of lost profits all because of bad communication. But these losses can be easily prevented by taking the time to learn about how you and those around you communicate.

Types of Business Communication

types of business communication
 

By understanding the different types of communication you can know better how to utilize the different communication forms to your advantage. There are 2 primary forms of communication, verbal and nonverbal. Verbal is going to include talking out loud to each other, whether in person, on the phone, or over a video call. Nonverbal includes body language and writing.

Verbal

Verbal communication is the standard face to face type of communication. It can also be communicating through things like conference calls or a phone call. Choose your words and tone of voice wisely and appropriately for the person and the situation. Don’t use terminology they won’t understand, and don’t overload them with lots of verbal information all at once. We tend to only remember the last parts of what we hear, so either make that the most important thing, or include note taking.

The trick to verbal communication is taking the other person’s perspective into account so that they will understand your words as you intend them. This is why reading articles like this one, to understand others better, is paramount to becoming an effective communicator.

Nonverbal

Body language is all about how you physically present yourself, and what others can observe or assume from your outer appearance and demeanor. Our facial expressions can also offer subtle cues to an observer of what we’re thinking or feeling. If you want to seem open and confident, don’t cross your arms over the front of your body, practice good back posture, make eye contact, and dress appropriately for how you wish to be received.

Technical Communication

One form of communication you may need to be familiar with in your job is technical communication.

Technical communication can be when you need to talk about technology or other specialized subjects in your field.

It can also be when you use technology, like slides, to communicate effectively.

And finally, technical communication can also be when you need to communicate instructions. Giving instructions comes with it’s own set of rules and guidelines so that you can be clear when offering a step by step process.

In many professional fields employers and employees alike will need to have a measure of skill utilizing technical communication in order to effectively share information in their area of expertise.

Communication Styles

communication styles
 

Many people have researched and studied the different styles of communication we all use. They have found differences in communication styles between genders, generations, and cultures.

Multiple researchers have attempted to categorize communication types into 4 or 5 main groups, but the truth is, communication is such a vast and complicated aspect of human interaction that truly defining it into a handful of categories is near impossible. For the sake of simplicity we will divide communication styles into 2 sections that can often overlap.

Logic-Based

People who base their communications in logic can get a bad rap from other people for being heartless or cold. But details and figures are just the way they best understand the world around them, just as an emotion-based communicator make sense of the world through their intuition. Logical communicators are a major asset to your business as they will keep your projects focused.

  • Focus on facts, numbers, data
  • They make their decisions based on figures rather than how they feel about the choices
  • They are great researchers
  • Detail oriented
  • They like the process of things and breaking large tasks into small ones
Emotion-Based

Emotional communicators like to rely on their intuition to make decisions. They make sense of the world around them through their instincts and emotions. Emotional communicators can be a great asset in connecting your business to your customers and creating the kind of environment that welcomes consumers and coworkers alike.

  • Rely on intuition, instinct, gut feelings
  • Focus on the big picture goal or main idea of what you want to accomplish
  • They are often creative and good at brainstorming
  • Social
  • They care about human connection and thus have strong interpersonal skills
  • They are often the diplomatic peacekeepers in their group
Passive

Passive communicators don’t communicate very well. They are the people who go with the flow. If you have a peacekeeper personality you might be guilty of being a passive communicator. They have trouble expressing themselves, or voicing their own opinions and feelings.

This kind of communication is a problem because it can lead to a build up in stress and it keeps you from offering your insights. It can also lead to misunderstandings in communication because others are forced to assume your thoughts or stance on things rather than hearing it from yourself.

The benefit of a passive communicator though, is that they are great listeners and can be great confidants and peacekeepers in the office.

Aggressive

Aggressive communicators are the opposite of passive communicators. They are on the other side of the spectrum, where they always say what’s on their mind. They are often described as demanding, authoritarian, and dominate and control the conversation.

The problem with aggressive communicators is they can be seen as rude, have a hard time listening or letting others get a word in edge-wise.

But the benefit of aggressive communicators is that they can make great leaders and get things done. They aren’t afraid to delegate.

Passive-Aggressive

Passive aggressive communicators are inwardly aggressive communicators, and outwardly passive. They have so much they want to say, but never do, whether out of fear or a lack of control. But their aggressive communicator side breaks free in subtle ways, but the communication is never completely clear or direct.

Assertive

The most ideal form of communication is assertive. When you are an assertive, you communicate openly without dominating the conversation too much. Assertive communicators have found the balance between passive and aggressive communicating.

They know when to listen, and when to speak up.
If you are interested in finding out what type of communication style you naturally favor, you can take this communication style quiz from glassdoor.

Business Communication Skills

skills and techniques
 

Now that you have a better understanding of the types and styles, we can move on to the techniques you can use to better your communication practices.

Don’t be afraid of silence

You can learn a lot from silence. Silence gives the other person in the conversation full opportunity to finish their thoughts, or add important details. This way you don’t miss any important contributions the other person might have.

Being comfortable with silence will also help people feel more comfortable and at ease conversing with you because it teaches you to be a less nervous conversationalist if you’re not worried about filling silence.

Ask questions

Learning to ask the right questions can be the key to really effective communication. Asking questions also shows you have personal interest in the topic or people a part of the conversation.

Stay current

Being learned will help you to have more meaningful conversations, and it will make you a more helpful asset in general in your workplace.

Manage your stress

Nothing leaves you more muddled in the head than when you’re stressed out. When you manage your stress properly, your mind will be clear, focused, and you’ll be better able to make decisions and think clearly.

Avoid filler words

Filler words are any words, phrases, or sounds that get used too often in speech. Many times filler words are subconsciously used to fill pauses in between thoughts. Becoming comfortable with silence will also help you with this communication technique.

Some examples of filler words include: um, like, uh, ah, ok, you know, yeah.

Learn and use people’s names

People really appreciate it when their names get used and remembered. By putting forth an effort to learn and use names you’ll make a friendly and amiable impression on anyone you meet. Showing that you can remember names also shows those around you that you have a good memory.

Use “I” statements

Using “I” statements instead of “you” statements is a great communication tactic. Using “you” in your speech can sometimes come off as demanding, or accusatory, which will cause others to clam up or get on the defensive when talking to you. So rephrase your speech to avoid using “you” too much so that you don’t come across as accusing.

For some other tips and tricks to communicating effectively, check out a business communication PDF:

Communication is a giant part of good business. At your job you’ll need to brainstorm, work in groups, and solve problems by communicating effectively with your coworkers, subordinates, and superiors.


READ MORE

If you need help finding a career first read, “How to Choose a Career.”

If you need even more tips for great communication read, “What is Communication?

Read a book all about technical communication, Technical Communication: a reader-centered approach

Check out this business communication book, Speak with No Fear


How Much Do Flight Attendants Make?

flight attendants salary

Flight attendants fill a lot of hats—from janitor to EMT, they take care of everything related to the passenger.

In fact, flight attendants are more like aerial experts than they are servers. Below is a brief overview of the flight attendant profession and its salary.

Explore this Article

The career path you choose is important because you will spend a large part of your life at your job. So deciding on which career to pursue is no small matter. The career of a flight attendant provides a very unique form of work-life and can pay extremely well. If you want your job to include free travel and frequent travel opportunities then this career option might be the perfect choice for you. Keep reading to find out more about this career, the work-life it provides, and how much flight attendants earn.

The Life of a Flight Attendant

Anyone who has flown before has probably seen their flight attendant walking around the cabin, ushering people in and out of the plane, serving food and beverages to the passengers, and collecting trash. These tasks may not seem very glamorous, but flight attendants are actually much more than just servers and ushers. They are also highly trained professionals, taught to handle a variety of scenarios from medical emergencies to aerial ones.

Common Flight Attendant Duties
  • Greet and usher passengers to their seats
  • Process passenger tickets
  • Assist with passenger’s carry-on luggage
  • Keep the cabin clean
  • Make announcements
  • Serve passengers food, snacks, and beverages
  • Train passengers about basic plane safety and protocol
  • Train the exit rows on their specific duties in case of an emergency
  • Make sure passengers adhere to the safety protocol and regulations of the plane
  • Take part in preflight meetings with the pilots
  • Do preflight inspections and checks
  • Administer emergency medical care

As you can see flight attendants fill a lot of hats. They are trained professionals, hired to take care of everything related to the passenger, and trained to be ready for almost anything that could happen while they’re in the air.

In fact, much of what flight attendants are trained for actually has more to do with safety and the mechanics of the plane than serving passengers. They even need to have separate qualifications for each of the different kinds of aircrafts they work in. Short from maybe the pilot, your flight attendant knows a lot about planes.

So what is it like to be a flight attendant and how satisfied are they in their jobs? The Bureau of Labor Statistics and Payscale both have some promising numbers for the profession.

Payscale found that 4 out of 5 flight attendants reported feeling highly satisfied with their job. They also found that 71.7% of flight attendants are female and 28.3% are male.

The Bureau of Labor Statistics found that the job outlook for aspiring flight attendants is very good, reaching a growth rate of 10 percent. They predict that this healthy job growth rate is due to the promising future that air travel has, which will mean an increase in plane passengers, and thus cause an increase in demand for flight attendants. Overall, the future looks bright for anyone thinking about entering the flight attendant profession.

How Do You Become a Flight Attendant?

First,

you have to complete training and certifications. There are places you can go to get certificates and then when you are applying to get hired by an actual airline they will put you through what is called ground school. If you pass ground school you are hired.

Second,

you go through training with your airline, and receive any specific training for the aircrafts you’ll be working on.

Third,

you progress through the ranks! Seniority matters a lot in the flight attendant world, so generally those who are just starting out will have to be on call for a while and work lots of holidays. But eventually you can work your way up, get better hours, maybe get off on some holidays, and get more pay.

How Much Do Flight Attendants Actually Make?

Flight attendants can really make good money. Some stereotypes about flight attendants may lead some to believe that their jobs primarily entail customer service work, like being a waiter or working in the gig economy. But the numbers show that this is far from true.

Flight attendants are actually more like airline experts than they are servers, though they do provide those services as well. Their pay also reflects the amount of training they require, and most flight attendants make much more than the average waiter.

Pay Depends On:

How many years of flight attendant experience you have.

Like many jobs, the longer you work as a flight attendant, the more experience you have and the more employers will pay for your expertise. Generally employers are willing to pay more for experience because it means they will have to train you less.

What airport you work from.

A flight attendant usually works from a specific airport. Just like other workers who go to the same office building each day for work, flight attendants also go to the same airport each day to begin their shift. Bigger airports are going to have higher salaries available than smaller ones.

What airline you work for.

Flight attendants may work from the same airport, but the airport is not their boss, the airline is. Flight attendants are primarily employed by airlines, like Delta or United, who all offer different kinds of pay and benefits to their employees.

How Much Do Flight Attendants Make a Year

The Bureau of Labor Statistics found that the median annual wage for flight attendants was $56,000 a year. The lowest 10% earned less than $28,950, and the highest 10% earned more than $80,870.

How Much Do Flight Attendants Make an Hour

PayScale also did a study that found some interesting information about the flight attendant profession. They found that the average flight attendant’s hourly pay is $20.73 an hour. The lowest 10% earned $12.73 an hour and the highest 10% earned $50.97 an hour. As of August 2019, the national average for hourly wage was $28.11, so a flight attendant’s average hourly wage is not far behind the national average.

When deciding any career path it is important to do your research and understand not just the kind of financial life it can provide for you, but the work life it comes with as well. If you want to see the world you don’t have to quit your job. You can become a flight attendant and keep earning while you follow your traveling dreams!

Meanwhile, if you’re in between jobs and need some financial help, feel free to check out Check City’s Payday Loans.


Sources


US Bureau of Labor Statistics. “Flight Attendants.”

PayScale. “Flight Attendant Hourly Rate.”

Check City Blog. “Cheap Ways to Travel on a Budget.”

How to Write a Cover Letter

write cover letter

A cover letter sent in along with your resume, is a key tool for eager job seekers who want to stand out amidst their competitors.

Having a cover letter in your job application can be just what an employer needs to really get to know you and see what you have to offer. When you effectively include the key sections listed below, you can create an effective cover letter that ensures the employer has everything they need to see how qualified you are:

Explore this Guide:

What is a Cover Letter?
Cover Letter Format
Elements of a Cover Letter

  1. Your Name and Contact Information
  2. The Date
  3. Professional Greeting
  4. Introduction
  5. Key Experiences
  6. Conclusion
  7. Professional Closing

Cover Letter Examples

What NOT to Do in a Cover Letter
 

What is a Cover Letter?

A cover letter is like the front page of your resume, but in letter form. You write it just like a regular letter, but include certain things related to your resume and the particular job you are applying for.

Cover letters are often used because your resume is only a page long so you might not have room on your resume to explain a lot of things. A cover letter summarizes the most important aspects of your resume, or the most important qualifications you’d like to highlight.

A cover letter also gives you the opportunity to introduce yourself a little more, and explain important aspects of your resume and why you want this job.

Cover Letter Format

Though not every job ad requests it, it is always a good idea to include a cover letter when you send an employer your resume. Like your resume, a cover letter is a single page and consists of 3 to 5 paragraphs.

When writing a cover letter it is also wise to research the company because just going off the job ad isn’t enough. Look up the company and try and learn a bit about them. This can help you make the letter specific since employers prefer it when an applicant seems to specifically want this job, not just any job.

Make a master cover letter where you store all the brief paragraphs you write to outline certain skills, so that when you go to write a letter for a specific job, you can pull from there. Sometimes certain experiences will relate to more than one job application, so these paragraphs can be reused.

Still, always read through your cover letter before sending it to make sure there aren’t any references that don’t apply to that specific job application. Each letter should be written for that job in mind, and shouldn’t sound like a reused template.

Elements of a Cover Letter

Just like a resume, a cover letter has key sections that are always included.

Your Name and Contact Information

Put your first and last name at the top of the cover letter, on center stage, in a similar way to how you put your name at the top of your resume. This way, if the two papers should get separated they’ll still be distinguishable as a unit because of this similarity. It will also leave the readers with no confusion about who they are reading about.

Then you’ll want to place your contact information below your name, just like how you did on your resume. You can think of your name and contact information as the header of your job application documents, present on each page for optimal clarity.

Contact information to include:

  • Email
  • Phone number
  • Your website or online portfolio
  • Your LinkedIn account

 
name and contact info
 

The Date

Include the date you submitted or sent the letter right below your name and contact information—right before the rest of your letter.

 
date cover letter
 

Professional Greeting

There are several ways you can address your letter. If you are able to find out the name of who would be receiving your letter or who the hiring manager would be, then you can address them by name.

But more often than not, we aren’t able to know such specific information in the application process. When this happens, you can simply address your letter by the name of the corporation with whom you are applying.

You can also use a general term like, “to whom it may concern,” but this might be seen as too impersonal or like you didn’t research the company enough.

 
professional greeting
 

Introduction

First, introduce yourself. Write a brief paragraph about yourself, introducing some key information they’ll want to know—like who you are and what you’ve been doing with your career so far.

For instance, you can tell them if you’re a student, if you’re looking for a career change, or if you’re looking for a new job in a new area after moving.

Second, tell them how you came across the job opening. Maybe you found it on indeed, or knew someone who referred you to the job opening.

Third, tell them why you want this job. Briefly explain why you are interested in this particular job and what caused you to apply for it.

This section should only be a small paragraph—just a couple sentences to briefly outline the three items mentioned above.

 
cover letter intro
 

Key Experiences

In the main body of your letter you’re going to talk about two or three key experiences that prove your skills. This may be the most important section of your cover letter. If a cover letter is the written form of your resume, then this would be the experience and skills section combined into one.

Here is where you’re going to outline choice experiences that illustrate important skills and abilities. Give real life examples that prove your qualifications. Be careful about which experiences you decide to write about, and make sure they are relevant to what the employer would be looking for.

Below is a sample template of how you could format these paragraphs:

 
key experiences
 

Conclusion

The closing paragraph should be as brief as your introduction, if not shorter. It is where you place your call to action. But since this is a job application you have to be careful how you frame this call to action. If you’re too pushy or seem arrogant, you could give a negative impression to the employer before they even meet you.

Simply let them know that you would be happy and willing to come in for an interview, or be contacted for any additional information they may need.

Framing your call to action this way invites them to act on your cover letter, without making demands or assumptions about your acceptance.

 

 

Professional Closing

Now it’s time to wrap up your letter with a professional closing. Here are some examples of professional letter closing phrases you can use in a cover letter for a resume:

  • Sincerely,
  • Regards,
  • Best,
  • Thank you for your consideration,

 
professional closing
 

Cover Letter Examples

Unlike a resume, there aren’t any websites that will let you simply plug in information while their template arranges your cover letter for you. You have to write it yourself. But here’s an example of a basic cover letter template you can use to help you write:

 
cover letter template
 

People also often wonder how to write a cover letter if they’re still in high school, or if they’re applying for an internship instead of a job. Either way the main principles of your cover letter will be the same. The only main difference will be in the key experiences section.

Cover Letters for High School

If you are a high school student, or lack work experience, get creative and use other experiences you have. Maybe you don’t have stories from a past job, but you were in the marching band where you learned about hard work and dedication. You can talk about these kinds of experiences instead.

Cover Letters for an Internship

If you are applying for an internship instead of a job, make sure you understand what the internship is all about, and the kind of tasks they’ll want you to do. Showing you understand what the internship entails will help them take you more seriously as a candidate.

Then you can talk about the things you are learning in your college classes that make you a good candidate for the program.

You should also talk about how you plan to use this internship to further your professional career, so that they can see all you plan to gain from this program.

What NOT to Do in a Cover Letter

Here’s a list of some things you should never do in a cover letter:

  • Don’t send the same exact cover letter in every job application. This can make you look detached and sloppy if there’s ever something on it that relates to a different job you previously applied for.
  • Don’t use a casual voice, or any slang.
  • Proofread! Make sure you thoroughly edit your cover letter before sending it so there are no spelling mistakes, run on sentences, or any other mistakes or oversights.
  • Don’t be pushy. You want to sell yourself in your cover letter, but if you do so in a demanding way you could make a bad impression.

If you’re worried about how you come across in your cover letter, it’s always a good idea to have some other people read it too. They can give their impression of you through the letter and make sure you’re portraying yourself in the correct light and clearly getting your points across.

Having a second or third set of eyes look over your cover letter is also a great way to make sure you don’t miss any spelling or grammar mistakes.

Meanwhile, if you’re still in between jobs, you can always take out a Check City Personal Loan to tide you over while you write your killer resume and cover letter to land that great new job!

READ MORE
Don’t forget to check out Check City’s other article on how to write your resume, “How to Make a Resume.”

Take a look at GlassDoor’s article about cover letters, “How to Write A Cover Letter.”

Learn some other cover letter tactics, “How to Write a Cover Letter.”

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