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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 to Start a Fundraiser

fundraiser ideas

We are surrounded by causes all the time, each one just as valuable to our time and efforts as the next.

Maybe you need to make money for your organization, for a club to function, or for a charity to give away. There are a lot of ways we can do our part for the causes closest to us, and having a fundraiser is one of those ways.

Explore this Guide:

  1. Pick a Cause
  2. Pick an Event
  3. Set Goals and Plan Logistics
  4. Advertise
  5. Give a Formal Thanks

1. Pick a Cause

First you’ll want to decide on a cause and define a clear purpose for the fundraiser. You can’t save the world all at once but you can put forth a concentrated effort on one topic and really make a change. Then you can find an organization that aligns with your purpose. You can find organizations worthy of your help in your local community or nationally.

To find some national charity organizations you can visit GuideStar.org. You can sometimes contact national or local charity groups in order to get their help, affiliation, or expertise on how to run a fundraiser for a certain cause. It’s also a good idea to find a reputable organization to give the proceeds of your fundraiser, as they may have better resources for how to use it effectively.

2. Pick an Event

more fundraiser ideas
 

Nothing makes people want to spend money more like making an event out of it. But you’ll want to determine the best type of event to make people aware of your cause while getting donations at the same time. Some events may be more appropriate for a cause than others. Either way, you’ll want to make sure the event is fun and engaging for the participants.

Fundraiser Ideas:
  • Car wash
  • Host a party and sell tickets
  • Marathon
  • Sell something:
    • food
    • seasonal buys, like chocolates and flowers for valentine’s day
    • tickets to a party, concert, talent show, movie night, or other event
    • raffle tickets for prizes
    • sport, tournament, competition
    • auction
    • yard sale
  • Carnival or fair with games and contests
  • Put on an event for kids, like a scavenger hunt
  • Offer lessons, like a cooking class

3. Set Goals and Plan Logistics

make plans
 

Your fundraiser is going to need a detailed plan with goals. You’ll need a budget for how much money you can afford to spend on the fundraiser event or endeavors. You want as much of the proceeds as possible to go to the charity, and not toward the event. One way to help pay for your fundraiser is to get companies and stores to make donations. For instance, if you are having a talent show for your fundraiser, you could speak with the owner of the venue to see if they’ll let you use the space for free as their donation toward your cause.

If you need funding to put on your fundraising event, then you can also visit Check City for a personal loan to help get your charity event rolling.

You’ll also need to plan your event, decide the date and time, book the venue, set things up, get any licenses you may need, decide how you’ll receive donations, and make any other decisions and plans necessary. You’ll need to get the necessary supplies together as well. For instance, if you’re having a marathon you’ll need to mark the path, bring water, cups, and snacks.

How to Organize Fundraiser Money
  • Open a bank account
  • Create a GoFundMe account
  • PayPal
  • Venmo
  • Cash
  • Checks
  • Cards

Above all else, make sure that everyone at the event knows how to make their donations. Make an announcement explaining how to donate at the beginning and end of the event, and place the information to donate in a visible place.

4. Advertise

Before your fundraiser takes place you’ll want to advertise for it. First, figure out who your audience is. Who is also concerned about this issue and will want to take part in your fundraiser? If you are selling items or hosting a certain kind of event, what demographic and age groups are going to be most interested? Target these kinds of people in your advertising.

  • Print
  • Social media
  • Online website/events
  • Fliers to pass out
  • Ask ppl to announce the event
  • Start an event on Facebook
How to Start a Fundraiser on Facebook

First, you’ll want to visit Facebook’s Fundraiser Page.

Second, you can either choose:

  • raise money for a nonprofit
  • or a personal cause, like raising money for a friend’s surgery.

Finally, you’ll set your fundraising goals and start sharing and posting about your fundraiser to start getting donations!

You can also explore the Fundraiser page what all is going on in the Facebook fundraising world and see what other people are doing.

How to Start a Birthday Fundraiser on Facebook

  1. log into Facebook
  2. on the left-side toolbar, under Explore, click on Fundraisers
  3. from here you’ll choose a charity
  4. set your goals and time limit
  5. invite people to participate in your fundraiser
  6. post about your fundraiser, mention that this is what you decided to do for your birthday, and if you want, briefly outline why this fundraiser is important to you
  7. make sure you thank everyone who donated

5. Give a Formal Thanks

thank you notes
 

It’s important you thank everyone involved in the fundraiser. It’s a good idea to take a moment during the activities to thank everyone, as well as send out a gesture of thanks after the activity is over. You can send out thank you notes, post a thank you announcement on your website or Facebook event, or you can send out a trinket, or small gift of some kind to show your gratitude for their help in your fundraiser.

Make sure you don’t forget to thank:

  • everyone involved in making the event possible
  • the organization involved in the charity you chose
  • everyone who participated and donated

 

Supporting a worthy cause is a beautiful thing, and anyone can make one happen! All you have to do is know how to put on a fundraiser and contact the right people for help.

Some people have even found that after putting on their first fundraiser it turns into an annual event that their community looks forward to every year! So not only can a good fundraiser do a lot of good in your community and in the world around us, but it can also bring your community closer together.


READ MORE

Learn some more tips about “How to Set up a Fundraising Event.”

Read about the benefits of charities by reading, “Charity Gives Back More Than It Takes.”


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.”

How to Make a Good Resume

make a resume

Resumes are a very important part of the job application process.

A resume is often the first impression you’ll make on an employer and can be what gets your foot in the door and gets you that interview!

Explore this Guide:

Job seekers everywhere are panicking about how to make an effective resume so they can start seeing success from their job searching. Even if you’re just starting out in your field you still want a professional resume that will clearly show any hiring manager what you can bring to the table.

What is a Resume?

A resume comes from the French word, résumé, meaning outline. Now we spell it without the accents and use it to refer to an outline of our work history, expertise, and skills.

Resume is pronounced re-zeh-may, or “re-zə-mā” if you understand the phonetic alphabet. Either way you can easily listen to the pronunciation of the word at Merriam-Webster.com.

Resume Objective

The objective of a resume is to show a potential employer, an easy-to-read, brief outline of why you qualify for the job. They want to see a quick glance at your career, accomplishments, and what skills and qualifications you’ve gained so far.

It is a formal document showing your professional life thus far, that a potential employer uses to make an educated decision about whether you merit an in-person interview or not. When creating a resume you’ll want to make sure it includes all the information an employer would need to make this decision.

Create a Master Resume

It’s a good idea to create a master resume where you simply write everything you could ever put on a resume. This can also be considered a curriculum vitae (CV)—a lengthier version of a resume that isn’t meant to be an overview, but instead a thorough outline of all your experience, certifications, awards, achievements, projects, and publications. A CV or master resume, is meant to be a complete history of your academic and professional career, endeavors, and accomplishments. You want to keep a copy of your master resume, or CV, because different jobs are going to necessitate you include different information, depending on the job.

For instance, if you’re applying for a job where you’ll be designing someone’s website, you won’t need to include the cashier job you had as a teenager. But if you’re applying for a job in customer service, then the employer will want to know that you have that customer service experience as a cashier.

You also only want your resume to be a page long, but a resume with absolutely all the experience you’ve ever had in your life is going to eventually be longer than a page, so keeping all this information in one place on your master resume is a good idea to have as a reference.

resume example

Resume Sections

There are a few key sections that go into every professional resume. Once you have a master resume to work from you can start putting everything into these main sections.

Personal Info

Somewhere near the top of your resume, you want to put your name on the center stage of your resume so the employer can easily know right away who they are looking at. Then you can kind of introduce yourself briefly by including a personal bio section that may list your personal interests and hobbies. If you’re including a cover letter on the front of your resume, you can also put this personal introduction there instead.

Contact Info

You’ll also want to include your preferred contact information on your resume. This information is usually so that they can contact you in case they want to offer you a job interview, so make sure you put down the best way for them to contact you for this. Usually this includes your phone number and email address.

Your email address on a resume should be simple and professional. If you don’t already have an email username with your name instead of a TV reference, then it’s time to make one for professional purposes like this.

You can also include other ways for them to get to know you and see your qualifications if those apply for you. If you have a personal website, or an online portfolio you can include that here too. You can also include any professional accounts you have, like your LinkedIn profile.

Experience

Here is where you outline your job history. You don’t necessarily need to include every job you’ve ever had, sometimes it makes more sense to show the work experience that most applies to the job you’re applying for now.

You also want to list your work experience in reverse chronological order, meaning that the job you had most recently goes first, and the oldest job experience goes last. This way you are putting the most relevant information, the most recent and therefore most applicable information up front.
When listing each job you’ll want to include the following information:

  • Job title (the title you had at this job)
  • Company name
  • Location
  • Job description (what were your main duties at this job, and what did you accomplish there)
Education

This section is where you outline your education. Many people have questions about what to include and not include in the education section, like when do you stop putting your high school education on your resume? Once you have a bachelors or associates degree you are usually ok to stop including your high school education on your resume.

Your high school education is a basic education that everyone receives, so there really isn’t anything specific about it that applies to your future job. And once you’ve officially gained some form of higher education an employer can easily assume you also have a high school education, but it’s what you did in your higher education, what you studied and learned specifically there, that interests them now.

  • When listing your education you want to include the following:
  • The name of the school
  • The years you were there
  • What degree you have (associates, bachelors, masters) and in what

If you haven’t finished college yet you can include your estimated future graduation date and what you are studying, meaning your majors and minors.

Achievements

You don’t have to just put down jobs that you’ve had though, also put down any other achievements, accomplishments, awards, or community involvement that might be important for employers to know. If you’ve published anything before here is the place to list that. Any volunteer work you’ve done. Any licenses, certificates, or other special training you may have, including if you speak another language.

Skills

When making your skills section the first thing you want to do is look into what skills are involved in the job you’re looking for. Job ads usually list the kinds of skills they are looking for in an applicant. If any of these skills apply to you be sure to include them.
The skills section should include both hard and soft skills.

Hard skills are specific abilities and knowledge that you have, like knowing how to use Photoshop.

Soft skills are useful attributes, like being organized or friendly.

Then, if you have room, don’t just list these skills, but provide examples to show how you do indeed have these skills. These examples can also be included on your cover letter instead, where you’ll have more room to tell key experiences that prove you have these skills.

For example, if one of your skills is that you know how to use Photoshop, you can also say that you used Photoshop to design a poster in your most recent job. Or if you list that you are organized, you can briefly talk about how you created a new filing system at your last job.

Design a Resume

You can make your resume on Microsoft Word, on Google Docs, or even online. Both Microsoft Word and Google Docs have free-to-use resume templates that can also work as good examples of how to professionally format your resume.

Resume Template Websites

How you design your resume is how you’re going to make your resume stand out. But this doesn’t mean you should make your resume flashy, in fact you should do the opposite. Your resume’s audience doesn’t want to be distracted by too many colors or graphics, they want to focus first on the information that is most important, so center your design around the information itself.

Create a Path for the Eye to Follow

You want your resume to be easy to read. One way to accomplish this is to create a path for your reader to follow. We read left to right, so this path tends to make a kind of Z shape on the page.

Make it Organized

Use bullet points to help organize your lists. Use headings with a clear heading hierarchy so the sections and subsections are clear.

Use a 10–12 Point Font Size

This way your font size won’t be too small to read, but it also won’t be silly looking by being too large.

How to Make a Resume for a First Job

If you are making a resume for a first job then you may not have a lot of experience yet to fill out your work history. A resume for someone just entering the job arena is often called an entry-level resume or a student resume if you are still going through school.

But the experience section of your resume isn’t just for your work history. You can put all kinds of other useful experiences there as well. You can list programs, clubs, and organizations you’ve been a part of, or volunteer work you’ve done. For example, you may not a previous job to list in the experience section, but maybe you were the president of the horticultural club, or the lead flutist in the concert band. You can replace your work experience with these types of high school experiences instead.

Another approach you can take to fill out your resume as an inexperienced student is to make your resume more skill focused than experience focused. If you can’t list any jobs than you can list different skills you have and describe how you gained those skills.

You can list your high school experiences in the same way you would list a job, including the following information:

  • Your Title (Volunteer, Club Secretary)
  • Company/Organization Name (National Honors Society)
  • Location
  • Description (what were your main duties, what did you accomplish)

How to Make a Resume for College

If you’re in college, or freshly out of college, you may also run into a unique problem when creating a resume. Your experience section is also going to look different because you may not have a lot of jobs to list. But college provides tons of exceptional experiences that you can include in a resume instead of jobs. You can list internships you’ve done, or apprenticeships. You can talk about capstone classes and the major projects and research you did for these key courses, and show how these classes have prepared and trained you for a job. You can also talk about any programs, clubs, and organizations you were apart of during your college career.

In the accomplishments section, be sure to include all the certifications you’ve received while in school. Today, successfully obtaining degrees and certificates from your college classes can mean a lot to a potential employer. If you received any awards, special honors, or published your work in a student journal you can include these kinds of accomplishments as well. You can even include your GPA in your college resume if you have a particularly high GPA to boast about.

How to Make a Cover Letter for a Resume

It is always a good idea to include a cover letter when you send an employer your resume. A cover letter is formatted like a formal letter consists of these main points,

  • Your name
  • Your contact information
  • The date
  • Professional greeting
  • A brief paragraph about yourself
  • A paragraph or two for key experiences where you prove your skills
  • Conclusion
  • Professional closing

To create a winning resume all you have to do is follow the advice in this article and remember the whole point of a resume—to show what you have to offer in a brief, clear, straightforward way. Meanwhile, if you’re in between jobs and need some financial help, feel free to check out Check City’s Personal Loans.

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Check out another great article about writing a resume, “How to Make a Resume for a Job.”

Read another Check City article about getting a new job, “New Year, New Job.”

How to Choose a Career

choose a career

What career you choose determines what major you study while in college. It influences what life you can afford and what you spend so much of your time doing each week of your life until retirement.

Choosing a career is a big decision to make and high school seniors each year are stressing out about how to go about deciding their future. But deciding a career path doesn’t need to be too stressful. Finding your passion is largely about self-awareness and researching all your options. By following the suggestions below you can decide your future career with ease.

Explore this Article

  1. Understand Yourself
  2. Research Options
  3. Weigh Options
  4. Make a Plan

Understand Yourself

self introspection

Becoming more self-aware can be especially difficult for younger, high school students who are still figuring out so much about who they are. But this journey into self-exploration can be fun and eye opening too! You want to discover and record your skills, interests, strengths, weaknesses, and passions.

Start exploring the things you love right now. This is the first part of the journey that leads you to a career you’ll love. You also want to know your values, or what you will and won’t do in a job.

This is where learning more about your personality type will come in handy. For instance, if you are more introverted, then working with customers may be on your list of things you don’t want in a job. If you love being up on your feet then having a more hands-on job might be on your list of things you do want in a job.

Taking the Myers Briggs Personality Test might help you better understand key aspects of your personality.

If you have trouble finding these personal answers within yourself, there are some things you can do to find the answers.

Ask Yourself Questions

Giving yourself an introspective interview can really help learn more about yourself. Questions are good because they help you analyze yourself and what you do and don’t like. It also helps you look at yourself more realistically. You may like the idea of being a lawyer, but you have to ask yourself if you are willing to do all that is necessary to become a lawyer, and if you’ll really be happy with the required daily tasks of a lawyer.

Questions help you see patterns and become more self-aware, which is paramount to finding a career path for you. They also help you to know what you would like in a job (so you can accumulate a list of options) and what you wouldn’t like in a job (so you can cancel certain options out).

To conduct your introspective interview you can ask yourself the following questions, or you can have someone else ask them while you respond and talk about your answers together.

  • If I could choose one friend to trade jobs with, I’d choose __, because __.
  • I’ve always wondered what it would be like to do __. It’s interesting to me because __.
  • If I had the right education or skill set, I’d definitely try __, because __.
  • If I had to go back to school tomorrow, I’d major in __, because __.
  • My co-workers and friends always say I’m great at __, because __.
  • The thing I love most about my current job is __, because __.
  • If my boss would let me, I’d do more of __, because __.
  • If I had a free Saturday that had to be spent “working” on something, I’d choose __, because __.
  • When I retire, I want to be known for __, because __.
Take an Aptitude Test

There are lots of online career tests you can take. A career quiz will give you ideas about what fields and jobs that might be right for you.

You’ll be asked questions to determine your skills and interests. Then the test will pair your results with careers that best fit your answers. You can then weigh these different options and research them to help you pick one. Below are two free tests you can take right now:

The MAPP Career Assessment

Career Aptitude Test

Research Options

research careers

After you have some options in mind you can learn about your choices in order to make an informed final decision. Don’t only research specific jobs though. This can be really helpful, but think about broader fields of work as well.

There are fields of work and then there are jobs in those fields. Sometimes deciding a field of work first will help you find the specific job you’re looking for.

Types of Careers
  • Arts and Communication
  • Business
  • Education
  • Engineering
  • Humanities
  • Law and Government
  • Medical
  • Science
  • Social Services

Once you’ve decided on a career field, you can narrow your search down to a specific job in that field. Deciding which job to pick is easier if you read the requirements or the responsibilities for each job, and see if they interest you. You can search actual job openings to find the most common real-world requirements involved. Indeed and ZipRecruiter are two popular job search websites where you can see real postings for the careers you’re interested in.

You can research other important aspects of the career by visiting PayScale.com. This website has surveys about almost every profession imaginable, and can tell you things like average salary, what people on the high end of the job get paid vs the lower end. You can even search by your location and experience to assess how much you can expect to get paid.

They also list the skills that are most important to the field, the tasks and requirements involved, how people review the job, gender percentages in the field, and the health benefits you generally get. It’ll even show you related jobs and jobs in your area and it’s all shown to you in pretty, simple graphics.

Do Internships and Job Shadowing

Internships and job shadowing can be a great way to get some hands-on experience with the careers you’re interested in. Often your school advisers can help you find internships and job shadowing opportunities near you.

Conduct an Informational Interview

If you don’t have the time for internships and job shadowing, you can conduct an informational interview. It’s like a reversed job interview. You visit with someone who has the job you’re interested in, and you ask them a series of questions to get a feel for their job, what they did to get where they are, and any other insights or advice they might have for you. Here are some example questions you could ask from the Berkeley University of California:

  • What are your main responsibilities as a…?
  • What is a typical day (or week) like for you?
  • What do you like most about your work?
  • What do you like least about your work?
  • What kinds of problems do you deal with?
  • What kinds of decisions do you make?
  • How does your position fit within the organization/career field/industry?
  • How does your job affect your general lifestyle?
  • What current issues and trends in the field should I know about/be aware of?
  • What are some common career paths in this field?
  • What kinds of accomplishments tend to be valued and rewarded in this field?
  • What related fields do you think I should consider looking into?
  • How did you become interested in this field?
  • How did you begin your career?
  • How do most people get into this field? What are common entry-level jobs?
  • What steps would you recommend I take to prepare to enter this field?
  • How relevant to your work is your undergraduate major?
  • What kind of education, training, or background does your job require?
  • What skills, abilities, and personal attributes are essential to success in your job/this field?
  • What is the profile of the person most recently hired at my level?
  • What are the most effective strategies for seeking a position in this field?
  • Can you recommend trade journals, magazines or professional associations which would be helpful for my professional development?
  • If you could do it all over again, would you choose the same path for yourself? If not, what would you change?
  • I’ve read that the entry-level salary range for this field is usually in the range of ______? Does this fit with what you’ve seen? (Don’t ask about the person’s actual salary.)
  • What advice would you give someone who is considering this type of job (or field)?
  • Can you suggest anyone else I could contact for additional information?

Weigh Options

weigh options

Now that you have a couple choices in mind, and have done your due diligence learning all about each one, you have to make a final decision. When making this final decision about your future, it’s important that you keep certain things in mind.

Think about the future, retirement, the family life you want. Think about what you would like your life to be known for and any other long-term goals you may have for your life. Will this career choice help you reach those goals?

Make sure you take priority over what you want to do over any societal expectations pressed upon you. After all, you are the one who’s going to live with this career.

Make a Plan

make plan

If you’re graduating high school and starting college soon, then you’ll want to not only pick a college but a major, and possibly minor, that will be useful for the field you want to go into. You can also start taking advantage of high school and college advisers and mentors if your school has a program like that. These counselors can act as career coaches to help you map out your career path.

In your research and studies you should figure out the steps, milestones, and requirements that people in your field must go through. Then you can plan these steps out in your own life. Record these plans in a place or a calendar that you can easily revisit and adjust as needed. Plan is a great website that can connect to your gmail or outlook account to help you plan your future effectively in one easy to use space. If you need some help planning financially, a Check City Personal Loan may be able to help you as well.

choose a career

Whether you are a college freshman looking to decide on a career path for the first time, or a seasoned career veteran looking for your dream job, the process is going to look about the same. By following this guidance you can learn more about yourself and discover what career path is the best for you, and find happiness and success in your professional life.

READ MORE

Check out “How to Change Careers in 3 Simple Steps” to learn some other steps to changing careers.

Read “11 Important Qualities to Have When Changing Careers” to see what skills almost all professions are looking for today.


How Much Money Do YouTubers Make?

How much do youtubers make?

Have you ever wondered how YouTubers can afford to spend all that time making viral videos?

Becoming a successful YouTube star may not be as easy as it sounds, but it is possible.

Explore this Article

YouTube has taken over the vlogging scene with full-force, creating a growing arena of self-employed, money-making vloggers. It’s easy to see why using YouTube’s platform has become such a lucrative business for some.

For instance, YouTube has become the second largest search engine in the entire world, and one of the most visited sites on the web. It has been estimated that all of us together spend a billion hours a day watching YouTube videos, and over 400 hours worth of videos are uploaded to YouTube every minute. youtube video genres YouTube has become such a giant generator of content that it has even developed its own list of genres, or “niches.”

YouTube Genres:

  • Gaming
  • Lifehacks
  • Gossip
  • News
  • Top [#] lists
  • Fail compilations
  • Food
  • Art
  • Product unwrapping and opening
  • How-to demonstrations
  • Animals
  • Spoofs
  • Online education course
  • Hauls

Facts about Earning on YouTube

To start off our understanding of how much YouTube stars can and do make, let’s take a look at some cold hard facts. The following are some lists of the top most successful YouTubers in the year 2015, 2017, and 2018 along with how much they earned that year:

youtube earnings chart

Needless to say, these are some impressive numbers. A lot of people would love to make these kinds of figures each year while being working from the comfort of their own home doing something they love. So how does it work? How do people make money on YouTube?

How YouTubers Make Money

There are many ways that YouTubers make money, and it’s often because they’re branching out, partnering with others, and creating a brand for themselves that goes beyond their YouTube channel alone. Below is a list of some of the most common ways YouTubers are making money:

1. Ads

There are 2 kinds of ads: Cost Per Thousand (CPM) ads pay you per thousand views and Cost Per Click (CPC) ads pay you each time someone clicks on the ad on your channel.

Your money goes to your AdSense account. You can direct deposit your earnings out of your AdSense account when there’s more than $100 in it.

2. Merchandizing

Many YouTubers end up making their own products like makeup, clothes, t-shirts, fan gear, and many others.

3. YouTube Partner Programs

When you are part of a YouTube Partner Program you can get paid for views and ads on your page. You can also access a large variety of content creation tools and get an opportunity to win prizes based on the number of views you have.

But you have to qualify for the program:

  • Your YouTube channel needs to reach 4,000 watched hours and 1,000 subscribers in the past 12 months.
  • You can apply for the membership anytime, but to get the top rated partner programs, you should have accumulated 15k of watched hours over the last 3 months.
4. Affiliate marketing

YouTubers can get paid to reference or recommend a product or service to their viewers. Online shopping sites will pay YouTubers a commission for any traffic or sales they get from the YouTuber referring viewers to their product.

They usually get paid based on how many people click the link to the product and how many people actually buy the product through that link. This can be done by a YouTuber in any of the following ways:

  • A video unboxing the product you are trying to sell
  • A video in which you recommend the product or service
  • A video reviewing the product
  • Links to the product in the video’s description
5. Sponsorships

A brand will sometimes pay YouTubers to create a video specifically about their product. Sometimes the brand will sponsor the entire YouTube channel and then the YouTuber has to use, recommend, or mention the product in every video. Sponsorships aren’t easy to get, and usually only come to YouTubers who have already made a name for themselves.

YouTubers can charge their sponsors anywhere from $10 to $50 per 1,000 views. So if the video hits 1 million views, then the YouTuber makes anywhere from $10,000 to $50,000 for that one video.

6. Crowdfunding or Patronage

Patreon is currently one of the most popular examples that online entrepreneurs like YouTubers use to make money off their craft.

By becoming a patron on patreon fans can get extra perks like extra content, behind the scenes footage, bloopers, and more.

7. Live engagements

Depending on what your YouTube channel is about you can also get paid to do live events, like speaking.

Why Doesn’t Everyone Become a YouTube Star?

youtube income

You may be thinking at this point about quitting your job and starting a YouTube channel of your own, but there are some cons to online self-employment. Yes, some YouTubers can make a lot of money from their branding and their channel, but MOST YouTubers don’t.

To put it in perspective, 90% of all YouTube views only go to a small 3% of YouTubers. Also, 97% of all aspiring YouTubers don’t make it across the U.S. poverty line ($12,140) with their YouTube channel earnings. Even if you do manage to make it to the top 3%, you’re looking at making an average of $16,800 a year, which is not very much.

Below are some other cons to remember before putting all your hopes on the success of a YouTube channel:

  • Advertisers don’t always pay very well.
  • Not all sponsorships are paid. Some come in the form of free goods or services instead.
  • YouTube takes 45% of what advertisers pay you.
  • Many YouTubers are a part of an agency or multi-channel network, and these partners will take a cut of your earnings too.
  • Personal costs for equipment or anything else you might need for your videos.
  • It takes a lot of your personal time to create quality content that will do well.

YouTubers can make money from their channels, but those who are actually successful at this are often branching out and making money in other ways as well. Their YouTube channel is often just one part of their larger brand. If you’re an aspiring YouTube star and need help with funds to get started, you can take advantage of the Check City Personal Loan and expand your brand as well. Isn’t it amazing that we live in a world where personal branding and creativity can allow so many a livelihood doing what they love?

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Watch the Check City YouTube Channel!

Visit the Influencer Marketing Hub to see how much different YouTube stars made in 2015.

Visit the G2 Learning Hub to see their figures for how much different YouTube stars made in 2017.

Read Forbes’ article “Highest-Paid YouTube Stars 2018: Markiplier, Jake Paul, PewDiePie And More” to see how much different YouTube stars made in 2018.

Read the article “How Much Do YouTubers Make? (A Lot!)” to learn more about how YouTubers are making money.

How to Set Goals

setting-goals

We all make goals and we make them for many reasons. They can help us be productive in both our personal and professional lives.

But if you don’t know the key aspects of goal making than your efforts can seem pointless. By taking into mind the following key components of goal setting, you can successfully accomplish all your goals.

Explore this Guide:

  1. Make the Main Goal
  2. Find the Goal’s Purpose
  3. Make a Detailed Plan
  4. Measure the Results
  5. Reward Yourself

Why Make Goals?

Goals are how you decide to do something and the plan you take to achieve it. Goals consist of long term and short term goals. Sometimes your goal is a big picture, far in the future kind of goal, and other times your goal is closer to the present. Sometimes long term and short term goals can be seen as main goals and sub goals that lead you to your ultimate goal.
For instance, maybe you want to start a successful business, having a successful business would be your long term or ultimate goal. All of the tasks and accomplishments that are necessary for you to get to your ultimate goal are the short term goals or subtasks or steps necessary to achieve the main objective. One of those short term goals might be getting the papers for your business in order.

inspirational-quote-goals

Different Kinds of Goals

Goals don’t just have to be professional. You can make fun goals too! There are lots of formal, professional, and serious goals we need to make throughout our lives, but there are personal and fun goals we can be making along the way as well. Make goals for your more professional and serious successes, but set goals for yourself as well, like to get out every Friday, or to save up for a vacation this summer. You’ll also want to be making financial goals, like to save up for a new car, or spend less on entertainment this month. If you ever need help reaching your financial goals and getting back on track you can take out a personal loan at Check City.

  • Professional Goals (goals about work, or your own professional endeavors, hobbies, or talents)
  • Fun Personal Goals (goal to save up for vacation this summer)
  • Serious Personal Goals (goals to better your physical or mental health)
  • Financial Goals

What are SMART Goals?

SMART goals stands for Specific, Measurable, Achievable, Relevant, and Time-Bound. It is an acronym that describes the kind of goals you want to make. You want the goals you make to be specific, measurable, achievable, relevant, and time-bound.
 
Don’t just make a blanket goal to lose weight, make a specific goal to lose 10 pounds.
Utilize a scale to measure your progress.
Plan to achieve your goal by formulating a new plan for your meals and exercise.
Make a plan to lose weight because this goal is relevant to your life, and will give you tangible health benefits.
Give yourself a timeline by planning dates for weigh-ins, with specific weight goals for each weigh-in date.

1. Make the Main Goal

Don’t have too many goals at one time. This may be difficult if you are creating a business, but that is why hiring dependable employees and delegating effectively and communicating well with each other is so important, especially in the beginning. If any one person in your project has too many goals they need to achieve they can have trouble focusing and end up not accomplishing anything very well. So delegate goals so that each person can have the most focus possible for their manageable set of goals. That way, each goal gets accomplished on time, and in the best way, done all the way and not incomplete or done poorly.

2. Find the Goal’s Purpose

Every goal needs a clear sense of purpose. You need to have a specific objective in order to effectively motivate yourself to achieve this goal. Yes you may want to have a successful business but why? Think about your reasons and write these down. Many successful businesses today made it big because they had a clear motivation behind all they do, and a lot of them end up sharing this in their company’s origination stories or in their company motto.

3. Make a Detailed Plan

When planning your goals you’ll want to list out a series of steps or subtasks, or sub-goals that are going to get you to your main goal. You want these steps to be very specific things you can really do. Be detailed so nothing important falls by the wayside. For instance, only saying “make print ads” may not be helpful. You also need to plan out how you’re going to make them, when they are due, and where they’re going to get posted, and who is in charge of getting the permissions to post them at each location. Right all these things out, plan out the times, the places, and the people involved.

4. Measure the Results

Keep track of how you’re doing. If the steps you have in your plan aren’t giving measurable results than you can change your plan.

5. Reward Yourself

Sometimes an extra motivator or benefit is helpful when reaching your goals. In life we always like to have good things to look forward to, so feel free to reward yourself when you reach your goals. There are many healthy ways you can reward yourself. You can reward yourself with food, like a celebratory dinner, or a favorite dessert. You can also reward yourself by going shopping and buying yourself a gift. It doesn’t have to be expensive either. Activities like fun outings, a movie or spa night, can also be great ways to reward yourself for achieving something.

 

goal-chart-printable

Create a Goal Workspace

It can also help to have a place where you write all these things down. Some even find it helpful to hang up your planned goals where you can see them every day. It can also help to place your plans in the most relevant place. For example, if your goal is about losing weight it would make sense to keep your goal chart in the kitchen, or near your treadmill. If your goal is about work then you’ll want to keep your goal chart in your workspace.

  • Put your goals on a calendar. With a calendar you can easily outline the dates of your plan.
  • Put your goals on a template, or chart. With a chart you can keep track of your progress levels and check off items once you’ve finished sub-goals.
  • Use an app. There are countless apps out there to help you track your habits and reach your aspirations. Here are some of the best goal setting apps:

Daylio is a great app for journaling and tracking your moods. It is also one of the most customizable apps, and allows you to track anything you want. It has a pleasing design, icons, and color palettes.

Loop is another great app for tracking. With Loop you can easily see all your goals and their progress in one place.

ATracker has some nice calendar and task features.

TickTick is a great goal app for groups or partners. You can sync and share tasks and goals with other people. There’s also a function to help you focus on certain tasks.

In some ways, goals are how we live our lives. It’s how we make decisions and enact change. Knowing how to properly set goals can help you level up in your personal and professional life. As Les Brown once said, “Your goals are the road maps that guide you and show you what is possible for your life.”

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Learn more about setting goals by reading, “How to Set Goals the Easy Way.”

Read more about SMART goals and how this acronym applies to your personal life by reading, “Personal Goal Setting: Planning to Live Your Life Your Way.”

How to Grow Your Small Business

Here at Check City we have an amazing working relationship with many of the small business owners in the cities and states that we operate in. Whether it’s helping small business owners cover their payroll expenses with a cash advance or helping people start their own online business with commissions from our affiliate program there are a number of ways that we work with small businesses. In this post we’ll continue on from our previous post on starting your own business by focusing on some grate ways to grow your business.

Entrepreneurship and owning a small business lie at the very core of the fabled American Dream. Creating a company from scratch, built up by the ingenuity and skill of the owners, established with time to secure the proprietors a stable fiscal future or perhaps even great stores of wealth; and all of the above attributes of small business drive many Americans every year to open the doors on their various enterprises.

Owning a small business in the American capitalistic tradition can be an adventurous ride of highs and lows, great excitement and success muddled with the occasional failure or set back. But it is this uncertainty and risk that makes owning a small business one of life’s great quests.

It All Starts With an Idea

Developing and building a small company into a successful part of any industry will require a couple of measures to be taken by the owners. The first is to have a marketable idea for business.

Hopefully this first step in creating a successful small business has already been taken care of by the entrepreneurs but if not allow the following sentence to be an extremely basic guideline to follow while pondering on the product or service on which the small business will be based. A quality business will sell a product or service that is in need by a specific market or demographic of society but will be able to be sold to every demographic with only slight changes or variations to the product or service.

In this way, a small business sets itself up for growth beyond their original targeted demographic. This does not mean, however, that the targeted demographic of the product of a small business should be seen only as a mere stepping stone into a larger market.

The truth is that this initial targeted market or section of society for whom a small businesses’ product or service is tailored will be an interregnal foundational layer upon which any growth, or even flat line sustaining, will take place. This is because returning clients make up almost eighty percent of the total revenue for a small business.

Focus on Retention

Without client retention a small business will never see growth nor is it likely to succeed at all. One can retain existing clients to their business by having quality staff, customer service, and by creating an environment of user friendly tools.

This means the implementation of two basic things, both of which involve the internet and web services. The first is the development of a quality web page for the company and the second is adequate training for the company’s employees. Both of these aspects of a small business will be of paramount importance while endeavoring to enhance one’s business.

Training quality staff to work in one’s store front is the first step in superior customer service. Online compliance training is available to train employees in the legal side of daily business as is online customer service training.

Building and developing a user friendly home page for the business is equally important to retaining customers as the virtual store front is often the first place a potential or returning customer will visit when deciding whether or not to give their business to a company. A small business owner can ensure client retention by having a quality and user friendly online presence.

Grow By Saving Money

Another way in which a small business can experience growth is by saving money on their monthly expenditures. The first and best way for a small business to cut back on their monthly expenses is not by implementing new business policies, but rather by employing domestic utility bill saving techniques in the office, or in other words, by using the same energy conservation methods that one would use in their own home to save money on monthly utility bills.

Monthly utility bills can bleed a small business dry a fast as a shrinking clientele. Small business owners should strongly consider implementing energy conservation techniques in order to save hundreds of dollars per year.
Such practices should include temperature discipline with the thermostat and conserving energy by not using power in unused areas of the office and by switching off lights in unused areas. These power saving methods are used every day by private individuals and families in order to save money and similar use by small business will yield a similar result.

Another power saving method that can be employed by small business owners is in the use of laptops over desktop computers. Laptop computers use up to ninety percent less energy to run than do desktops.
Laptop use should therefore be strongly considered wherever possible to save even more on energy costs. With these tips and techniques at the disposal of all small business owners, it is not difficult to see how a small company can use online tools and their own skill to build a successful and meaningful establishment.

4 Investments Worth Making

worthwhile investments
 
With the Up’s and Down’s the economy has experience over the last several years, many people have been left asking the question, “Are there any truly safe investments that can be made these days?” In today’s post we’ll cover the top 4 investments that are still worth making.

1: A House

house investment
 
A home is one of the most worthwhile investments you will ever make, and what an investment that will be. It may take you decades to pay off your house, but the nice thing about houses is that they increase with value over time.

The value of real-estate rises over time like the value of a car falls, it’s predictable. Your investment will pay itself off and more should the need ever arise to move or sell.

With that in mind, any land you may own will have the same effect. As the amount of available land decreases, prices for land that you own increase.

It’s the law of supply and demand. The less supply available, the more someone is willing to spend when the demand rises. With that being said, be wise when it comes to making your home purchase as well as the improvements that you make during your time living there.

As we learned in 2007 there can sometimes be artificial inflation that happens in the housing market, buying during those times can lead to severe financial turmoil. In addition to being careful when you buy, be careful what improvements you make, understand that some improvements such as landscaping don’t give you as much bang for your buck when it comes time to sell as a remodeled kitchen or bathroom.

2: A Steady Stock

stock investment
 
Certain stocks have shown steady, predictable growth over the years and are therefore, safer to invest in. Oftentimes the growth is slow, but it always moves in the positive direction.

When you plan on putting aside money for a number of years, consider investing it in a steady stock instead of a bank. Your money will appreciate better in an investment rather than a holding cell.

3: An Education

education investment
 
If you don’t have a post-secondary degree yet, get one. On average, salaries take drastic turns for the better with every degree you get. You are worth more when you have learned more. You come to the table with more to offer, and are therefore a competitive employee. If a company wants you, they’re going to have to pay to keep you.

That’s the beauty of an education. It represents quite the financial investment, but the jobs and salaries that follow are well worth the time. They more than pay themselves off with time. If you have one already, see if there’s anything more that you can be doing to increase yours, ie. attending conferences and keeping up with recent literature.

4: Invest in a Friend

invest in people
 
There is untold power in investing in the people around you.

Studies have shown that there is a correlation between the people that give more and the people that earn more. Some say it comes from a social responsibility. When you’ve been given so much, you are responsible to give to others. The more you give, the more you’re blessed with. Others will say it’s a weird coincidence. Science can’t figure it out, but the phenomenon remains.

The more you invest in the people around you, the more money you are likely to make. You will never know though until you give it a shot. On top of that, you’ll be doing something to make a difference in people’s lives. Whether you give them a fish and feed them for a day, or teach a man to fish and feed him for a lifetime, the results will be the same.

For one, you’ll help someone, someone that needs help like you’ve needed in your life. For another, you’ll share an excellent example to those that might continue the legacy themselves (like your children).

Finally, and least importantly, you’ll feel great about what you did—changing someone’s life. Invest in the people and community around you. This doesn’t always mean you invest monetarily. Many times it will simply be getting to know someone new, offering a listening ear, or showing someone that’s ignored that you care. No other investment will give you the return of investing others. This is the best investment you will ever make.


READ MORE
Take a look at “Planning Investments while Budgeting” to learn more about how you can include your worthwhile investments in your budget.

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