Chat
Loans By Phone: (800) 404-0254

How to Succeed at NANOWRIMO

nanowrimo

NANOWRIMO is a writing challenge that goes on every November where lovers of literature everywhere take on the same goal—to write an entire novel in one month. See how you can successfully achieve this goal by following these great tips!

Table of Contents:

What is NANOWRIMO?

NANOWRIMO stands for National Novel Writing Month. It occurs every November and refers to a writing challenge to finish the first draft of a novel by the end of the month. So if you’ve always wanted to write a book now is your chance!

The Logistics

So the logistics of NANOWRIMO is to get a full, first draft done by the end of the month. The official final wordcount goal is 50,000 words. If you divide that into the 30 days of November, then you’ll need to write about 1,667 words every day for the whole month of November to get to the final word count and end up with a full first draft.

Final Word Count Goal: 50,000 words

Daily Word Count Goal: 1,667 words

But ultimately NANOWRIMO is about you, your writing goals, and what works best for you. Some people only have time to write on the weekends and that’s ok! If you’re a weekend writer then can write 3,571 words for each day of the weekend (Friday, Saturday, and Sunday), instead of writing 1,667 words each day of the week. Over the course of the weekend your new word count goal would be:

Weekend Word Count Goal: 10,000 words each weekend

How to Write a Novel

how to write a book

1. Pick a genre

The very first thing you should decide when going into NANOWRIMO is the genre you’d like to work with. If you’re going to write a book it’s good to first know what kind of book you want to write. The kinds of stories you could write are an endless list of categories and subcategories, so if you want to see a more detailed list check out Literary Genres.

But here are some of the more basic literary genres:

  • Fantasy
  • Fiction
  • Nonfiction
  • Historical fiction
  • Science fiction
  • Memoir
  • Mystery
  • Tragedy
  • Romance
  • Horror
  • Self-help

It also might be important to decide who your audience is before writing because that can decide a lot about how you write your novel. Thinking about what age group you are writing for is a great way to start so your reading level and content cater appropriately to your readers.

2. Pick a perspective

First Person: This perspective is written in the main character’s point of view. The narrating character tells their own personal story with their own words. When writing in first person you’ll use words like I, me, us, my, and we.

Second Person: This perspective is written to address the reader directly. It’s as if the narrating character is telling a story to the reader directly. When writing in second person you’ll use words like you, referring to the reader who the narrator is speaking to.

Third Person: This perspective is not written from the point of view of the character or the writer. Instead, a third party narrator is telling a story that they are not themselves in any way apart of. This can also be referred to as omniscient point of view, because the narrator is like the all-knowing god of this story. When writing in third person you’ll use words like he, she, they, and it.

Multiple Perspectives: You can also write your book using multiple points of view. This is especially common when writing in first person because then you can switch between the firsthand perspectives of different characters throughout the story.

Present Tense: You can also write your story in the present tense. In this case you would write as if the character is telling their story as it is happening. For example you would write, “I walk toward the closet door and open it.”

Past Tense: It is much more common, and even recommended, to write your story in the past tense. This means you would write the story more naturally, as if it had already happened and someone is narrating a detailed, perfectly remembered account. For example you would write, “I walked toward the closet door and opened it.

Ultimately, if this is your first novel, it’s recommended you write in third person, in the past tense. If you feel a little more confident in your writing abilities then you can try out writing in first person, or even switching between multiple points of view throughout the story. If you really want to be different, you can write in the present tense, but most books are written in the past tense.

3. Create the world

All stories need a setting. Maybe your story will occur in a small town or the big city. Maybe it’ll take place in an alternate universe, or a completely different fantasy world of your creation. Get a clear vision of what your world is like, and all the important aspects of the world that will affect your story and characters.

4. Create the characters

There are many ways to create really great characters. You can make a vision board for each characters to keep tabs of all your inspiration for who they are. You’ll also want to find names for them and keep notes on all the things you know about each person appearing in your novel.

5. Make a story outline

Now that you have the materials and initial ideas you need to make a story, it’s time to start outlining! One thing that can really help you storyboard your book is to first think about your beginning and your ending.
There are many templates and guidelines out there for how to format a story outline that can help you with all of this.

story outlining

  • Freytag’s Pyramid
  • Imagine the rise and fall of a pyramid. The story starts with exposition, rising action, peaks with the story’s climax, falling action, and ends with the resolution. To see the story outline in even more detail check out the 7-Step “Freytag’s Pyramid” from the Writing Itch.

  • Snowflake Method
  • This method involves starting with a small story summary and expanding it to have more and more details until you have a larger story.

  • 8 Point Arc
  • The 8 point arc includes 8 key story points that you can write about in order to have an 8 step plot outline for your novel.

  • 3 Acts
  • The first act is the setup, act two is when the confrontation occurs, and act three is the resolution. This outline is great for writers who just need a really simple idea of the basic flow of their story.

  • The Hero’s Journey
  • The hero’s journey is a classic story outline you see in popular books like Harry Potter and Lord of the Rings. It’s similar to the 8 point arc in that it has a detailed 10 step plan for your story outline.

  • Notecards
  • Write out your key scenes on different notecards. Then you can use a wall or bulletin board to place your notecards in order. This outline technique is great for writers who often rearrange events.

  • Plots
  • This outline is for when you have multiple plots happening simultaneously. You can have a main plot and sub plots, or have equally important A, B, and C plots.

Story Beginnings:

  • Mid-Action
  • Also known as in medias res, starting in the middle of the action can be a great way to get your audience hooked right away and keep impatient readers from putting the book down after the first page.

  • Ask a question
  • By starting with a question you can immediately give your book an inquisitive tone.

  • Introduce us
  • You can also start your novel by introducing the reader to something or someone important. You can describe the setting, the world they live in, or a key character.

  • Origin story
  • If your story has important background information then you can start with the origin story of your kingdom, or main character.

  • Flashes, dreams, and memories
  • You can also start your book out with an important flashback into the past, a foreshadowing flash into the future, in the lucid landscape of a telling dream, or with key memories.

Create Conflict:

Every story needs some riveting conflict. It’s what keeps the story going and keeps your readers interested in what’s going to happen next. For more help in brainstorming your main and sub-conflicts read, “Decoding the Six Conflicts in Literature (With Examples).”

Story Endings:

Some people really struggle with how to end their book. There are many things to consider in order to create a good ending. You’ll need to ask some important question like, what goal or goals you want accomplished or unaccomplished by the end, how your characters change, and what do they learn or fail to learn.

  • The Happy ending
  • The goal is accomplished and things are better now.

  • The Tragic ending
  • The goal fails and things are worse now.

  • The Twist ending
  • The goal is accomplished, but for some reason things still end up worse.
    The goal fails, but for some reason things still end up better.

  • The Cliffhanger
  • The goal remains unaccomplished, leaving readers in suspense, or in the middle of events.

Writing Resources

Every writer has their go-to resources for writing. Eventually you might find blogs, forums, or books about writing that you like.

Name Generators:

Websites:

Books:

How to Cultivate Yourself as a Writer

Like with any hobby you should look into bettering yourself as a writer, just as you would if your hobby was hiking or drawing. Here are some things you can do to really enter into the writing world:

  • Join writing groups
  • Write with others
  • Get feedback
  • Read books you love
  • Read books on writing

How to Stay Inspired Throughout November

When you’re on a writing deadline it can be really hard to stay inspired. Everyone has their own tricks to beating writer’s block and as you write more frequently you’ll gain a list of your own. Here are some things you can try to get you started:

  • Explore Pinterest
  • Make vision and mood boards
  • Get in nature
  • Take care of your physical and mental health
  • Keep reading things you love
  • Watch things you love
  • Listen to things you love
  • Set up your workspace so it’s decluttered and free of distractions

NANOWRIMO is like a community event on a larger scale. By joining the groups and forums you can accomplish your goals along with your fellow writers and who knows?! Maybe you’ll make some friends or publish something great! What’s more, writing novels can potentially become a lucrative at home job to get your household some extra income.

If you’re going to do NANOWRIMO this month, you may need a little help preparing. If you do need some financial help visit a Check City store or our website to take out an easy to use Personal Loan.

 

READ MORE

Learn some other tips about making more money, “Making More Money.”

Thinking about writing as a career? “How to Choose a Career” can help you decide if a career in writing is write for you.


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 Attendant’s 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.
 

 
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.


READ MORE
Visit the Bureau of Labor Statistic’s website for more details on their May 2018 survey about the flight attendant profession.

See more details about PayScale’s very own study on the flight attendant profession.

Plan more ways to follow your traveling dreams on a budget, “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:

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!

 
What is a Resume?
Create a Master Resume
Resume Sections

Design a Resume
How to Make a Resume for a First Job
How to Make a Resume for College
How to Make a Cover Letter for a Resume
 

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.



READ MORE
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 Much 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.

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 has become such a giant generator of content that it has even developed its own list of genres, or “niches.”
youtube video genres

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 stars
 
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?


READ MORE
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 Much Do Nurses Make?

nurses pay

The nursing profession has been around for a very long time. Today there are over 100 different nursing specialties. So the field not only offers a lucrative salary, but a chance to specialize in what you are most passionate about as well. This article will take a closer look at the salary aspect of the Nursing profession.

Everyone at some point has to figure out what to do with their life and what job to take. We all want a job that will make us happy, foster our passions, and provide for ourselves. If your passion includes helping people then the nursing profession may be the perfect career for you.

There are many reasons becoming a registered nurse (RN) is a great career choice. For one thing, the registered nurse profession currently has an expected growth rate of 15%, which is much faster than the average job’s growth rate. So if you’re wondering if your job outlook as a future nurse is good or not, have no fear, the demand for nurses is only going to get higher.

A career as a registered nurse is a great option not only because the future outlook, job security, and demand looks good. It also only requires a bachelor’s degree, and the average salary for registered nurses is $71,730 a year! Not only that but the nursing profession has a vast array of subfields and specialties you can go into as well. No matter your temperament or passion you can bet that the nursing profession has a niche for you.

What Determines Pay?

According to the Bureau of Labor statistics RNs tend to make an average of $34.48 an hour. When calculating for annual salary, the lowest 10% was around $50,800 a year, the median annual salary was $71,730 a year, and the highest 10% was up to $106,530 a year.

Like all jobs, how much an RN makes is also going to depend on certain factors unique to that field. The variables that affect the salary of a registered nurse are:

What state you work in

Different states all have different average RN salaries. For example, RNs in Alabama have an average annual salary of $57,890, but RNs in California have an average annual salary of $102,700. Just keep in mind that these numbers often vary due to things like cost of living. Nurses may make more in California each year than nurses in Alabama, but the cost of living between these two states may differ greatly as well.

Level of education

There are 4 different levels of education that you can seek in the nursing field. All of which will require studies in nursing, physiology, anatomy, and nutrition. Generally the higher your education level, the higher your starting salary at a job is going to be.

  1. Associates Degree in Nursing (ADN) takes 2-3 years.
  2. Bachelor of Science in Nursing (BSN) takes 4 years.
  3. Master of Science in Nursing (MSN) takes 2 years.
  4. Doctorate in Nursing (DNP) takes 4 to 6 years.
Experience or how long you’ve been working as a nurse

The more experience you have working as a nurse the more your salary is likely to increase compared to nurses who are newer or haven’t worked as RNs for as long. The fact that experience and time spent in the job factors into salary is helpful because it means employers will recognize you for your experience and compensate you more for your time spent in the field.

But if you are new to the field and still only making that starting salary, you may need some help here and there to stay on track financially. If you find yourself needing some help during the month, you can use the Check City Payday Loan.
 
nurse tasks
 

What Do Nurses Do?

What everyday tasks a nurse does will potentially depend on whether they are specializing in a specific field or not. But below are a couple of common RN duties to give you a feel for the kind of work that would be required of you on a daily basis:

  • Administer medications and treatments
  • Assist in examinations
  • Instruct patients on how to care for themselves after leaving a medical facility
  • Observe patients
  • Operate medical equipment
  • Perform tests
  • Record patient medical histories
  • Record symptoms
  • Supervise the Certified Nursing Assistants (CNAs)
RN Hours:

Some patients are going to need around-the-clock care, so there will always needs to be some RNs on duty. RNs usually take the 24 hours in shifts so that there are always nurses available in the day and night. This means that as an RN you may end up working nights, weekends, holidays, or be on call.

If you are interested in the work that RNs do but want to work more regular business hours, then there are some options available. There are places of work where RNs are needed but they only operate during normal business hours. Places like offices and schools will only require a regular work shift.

Nurse Related Jobs and Specialties

There are many nurse related jobs that are also worth considering if you are interested in this type of vocation. This is one of the perks of the nursing career. It has the potential to lead to other jobs, and it connects you to the medical career world in general.

There are also many different specialties within the nursing field itself. As you become a registered nurse you may find that a specific area of work interests you above the others, and if you want you can pursue that specific area of practice.

The following charts are just a few examples showing the range of salaries for some common nursing specialties. But there are over a 100 different nursing specialties available in the medical field right now. Below we will continue to go over some of these other kinds of nurse specialties. For more information about different nursing specialties and what they do you can visit RegisteredNursing.org.
 
nursing specialties


Nurses hold some of the most important jobs in order to make a hospital function properly. They literally fill hundreds of rolls and perform a countless array of duties. If you are looking for a job that will allow you to live comfortably, while letting you pursue your individual passions in the medical arena, then becoming a registered nurse is the ideal path for you.


READ MORE
This article is apart of a series, read “How Much Do Teachers Make?” to learn more about the salary of other professions.

Explore this Career Guide Series for more information on how to become a nurse and what the job is like.

Connect with the Nursing Community and read more about different Nursing Career Specialties.

7 Tips for Workplace Wellness

tips for workplace wellness
 
In order to take good care of your work you first have to take good care of yourself. Taking care of your well-being will not only help you in life, but it will help you in the office as well.

  1. Get Quality Sleep
  2. Fuel Your Body Effectively
  3. Exercise
  4. Prevent Eye Strain
  5. Decorate Your Desk
  6. Learn to Unwind
  7. Have Pursuits Outside of Work

Believe it or not, but even an office job can have its own hazards. You may not think about it but everything from vending machine food and sitting all day can cause serious health problems. But don’t worry, there are plenty of ways to combat these workplace hazards and increase office wellness. This can mainly be done by having a work-life balance. Everyone always seems to be talking about having a good work-life balance, but what does this balance really mean? Ultimately your wellness at work is about taking care of your physical and mental health.
 

Take Care of Your Body

physical well-being
 

Get QUALITY Sleep

Sleep is a factor that greatly affects your performance throughout the day as well as your physical and mental well-being. But it isn’t enough to just go to bed and hope for the best. You don’t just want enough sleep you want quality sleep. There are ways you can optimize your sleep so that you are getting the most out of your nights.

Go to bed and wake up at the same time

This will help your body to adjust to a regular schedule. Once your body is used to this schedule falling asleep each night and waking up each morning will become much easier. Set an alarm or reminder for when you need to start getting ready for bed to help you learn to wind down at the same time each night.

Stay hydrated

You actually get dehydrated as you sleep which can cause a dry and hoarse throat in the morning, leg cramps during the night, and an overall lack of quality sleep. You lose hydration in the night through breathing or a dry or warm environment in your bedroom. Another thing that can cause night dehydration is exercising late in the evening. To combat this issue, hydrate yourself well throughout the day, keep a water bottle on your nightstand, and keep your room temperature on the colder side with a humidifier turned on while you sleep.

Fuel Your Body EFFECTIVELY

Your body is like a complicated machine and in order to work at top performance levels and feel its very best your body needs fuel that it can work with. There are a lot of foods out there today that might be quick, easy, and immediately filling, but they won’t provide your insides with the proper nutrients to function at full capacity and eventually you’ll feel this as you feel more and more lethargic throughout the workday. You can fuel your body with a lot of things, but only certain nutrients will give you effective nourishment to give you optimal health and energy.

Eat wholesome meals

Make healthy meals at home and take healthy meals with you to work. Many of your coworkers might be going out to eat every day and though this might be fun in the short term it probably isn’t beneficial in the long term. Healthy homemade lunches will improve your physical wellness and improve your spending! You can also start bringing in healthier treats for your coworkers to help improve workplace wellness as a whole.

Eat wholesome snacks

If your stomach is growling for the majority of the day, you will likely crash before the end. Make sure you have the right nourishment going into your body and it will pay off. Even simple snacks can help keep you going between meals. Nuts, fruits, and cut up vegetables can really give you the energy you need to make it through the day.

Cut down on sugars

One of the biggest issues office workers fight on a typical workday is lethargy. Sugar intake can be one of the major contributing factors to your lethargy. Take note of the sugar content of what you are consuming in a regular day and you’ll see how prevalent this ingredient has become in a lot of our foods.

Then remember, while you pick your foods each day, that each gram of sugar adds to unpleasant feelings like bloating and tiredness. Make sure you take these tips to heart in order to keep your body happy and healthy throughout the workday and throughout your life. You will be grateful when you still have energy after retirement!

Stay hydrated

You would be shocked to know how much staying hydrated can improve your workplace wellness. There is nothing more important than drinking enough water throughout the day. It doesn’t matter whether it is summer or winter, your body is made up mostly of water and you need to continually replenish it. Don’t wait till you are thirsty to start drinking. It is much better to have a set amount that you plan on drinking throughout the day.

In general it is advised that you drink 8 glasses of water a day. It can help to have a designated water bottle that you keep with you throughout the day to drink from. If you have trouble getting yourself to drink enough water each day try drinking with a reusable straw. This can make drinking enough liquids faster and easier. Another thing you can do is put things in your water to make drinking water more fun! You can add cut up fruits and vegetables, mint leaves, and many other things to your water to make staying hydrated healthy, tasty, and fun.

Exercise

Exercise may seem like a dauntingly intense habit to get into, but it’s actually one of the easiest ways to boost your well-being because any amount of it will help. Even if you only go out of your way to exercise 20 minutes on weekdays, that’s still better than no exercise at all.

The average person is advised to get 75 to 150 minutes of physical activity into each week. This averages out to be around 30 minutes a day. Thirty minutes really isn’t asking too much of your time and there are a million ways you can get this 30 minutes of physical activity into your day without having to do crazy intense workout sessions at the gym. You can simply go on a walk, plan a hike for the weekend, go swimming, biking, or take a physical class like dancing or yoga.

Put Exercise on the Agenda

You can implement a routine of exercise into your day before or after work. Getting yourself to exercise will be easier if you schedule it into a specific time of day. In fact, a study found that working out at the same time each day made exercise more effective.

Work Out at Work!

You can also find ways to grab some exercise while you’re at work! There are hundreds of exercises you can do at your desk. Everything from simple stretches to replacing your chair with a stability ball can greatly improve your health.

Whatever you choose to do, change things up and get your body moving as much as possible. By the end of the day when most of your coworkers are crying about sore backs and tired limbs, you will be ready to keep going with your day.

Office Friendly Exercises

  • Practice good posture
  • Leg raises
  • Chair dips
  • Use weights at your desk
  • Ab workouts with your swivel chair, or stability ball
  • Lean on your desk to do planks or pushups
  • Use a standing desk
  • Go for a walk around the building
  • Take the stairs instead of the elevator

Prevent Eye Strain

If you work in an office chances are you also get a lot of screen time at work. Staring at screens all day can put a strain on your eyes and even cause headaches and nausea after a while. But you can help prevent eye strain by getting a blue light filter on your screen, or blue light filter glasses to wear at work. It is also a good idea to take a break or two from your screen while at work to give your eyes a rest.
 

Take Care of Your Mind

mental well-being
 

Decorate Your Desk

Decorating your desk will make you happier, and liven up your workspace. You can get plants, you can set up some photos, you can decorate with cool looking bulletins and white boards, or splurge on a special mug or thermos just for your desk.

Learn to Unwind

You don’t have to pay for an expensive spa to still have your own personal spa day. There are endless things you can do to unwind and everyone relaxes in different ways. For some people relaxing may include hanging out with friends and going out. For others, relaxing may mean staying home, taking a warm bath, watching TV, or reading a good book. In order to learn how to unwind you need to learn more about yourself and what relaxation techniques work best for you.

  • Learn about mediation
  • Keep a journal
  • go outdoors
  • listen to music
  • have a spa night
  • read a book

Have Pursuits Outside of Work

It will give you a special sense of accomplishment to have your own personal pursuits outside of your job. And if you need help with funds to make your club or go on a weekend getaway you can use a Check City Personal Loan!

  • Volunteer
  • Join a book club
  • Start your own group or club
  • Join a recreational or intermediate sports team
  • Make personal goals
  • Plan vacations and getaways
  • Take a class

Having workplace wellness is all about having a work-life balance. Having a work-life balance is all about taking care of both your body and mind. If you remember these key principles of taking good care of yourself than not only will your life and health improve, but you will actually become more successful and productive at work as well!


READ MORE
Read “Workplace Wellness” from Mental Health America (MHA) to learn more ways you can improve the overall well-being of your employees.

Read an NPR report about how effective wellness programs are in the article, “How Well Do Workplace Wellness Programs Work?

Read an article from Corporate Wellness Magazine called, “What is Workplace Wellness Really? “ to learn more about what workplace wellness means.

For more tips about workplace wellness, see our article, “How to Stay Healthy at Work.”

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.

11 Important Qualities to Have When Changing Careers

career-qualities
 

 
In order to keep up with the changing job market and stand out from all the other eager job candidates, it helps to have the qualities of a successful professional. Whether you are changing careers or looking to start one, these skills are what every employer in every field looks for when interviewing candidates. In order to succeed in today’s changing job market, workers have to foster new skills and hone in basic ones. Whether you are 25 or 40, starting your career or changing it, here are some great career changing qualities that will make you stand out from other job candidates.
 

 

1: Work Well in Groups

Be a team player! In almost every work environment you will have to work with others to some degree. Employers want to create a productive and peaceful work environment where coworkers not only get along, but work well together. So when you demonstrate your ability to work with a team, you increase your attractiveness as an employee. Working well with others also creates a sense of unity and helps productivity in the workplace.

Understanding Generational Differences

When entering the workforce you will quickly see that there are often generational differences between coworkers. Anyone from Generation Z to Baby Boomers may be present in your next place of work and—as Sarah Sladek has found in her studies—there are distinct cultural differences between each generation. In order to avoid generational misunderstandings, it is important to get along and understand your coworkers as well as help them understand you. After all, a peaceful work environment is a productive work environment.

It’s easy to have a lot of prejudice toward people who see so differently from you. One of those differences we all can experience is generational. There are currently 4 defined generations listed below from oldest to youngest:
Baby Boomers (born between 1946 and 1964)
Baby Boomers have been raised to follow tradition. They care about families and economic security.
Generation X (born between 1965 and 1981)
Generation X was raised during the women and civil rights era. Their time was before childcare programs which gave them the nickname “latch-key children,” meaning they were raised to be self-sufficient and independent thinkers. They care about a work-life balance and seeing a positive impact from their work.
Generation Y or Millennials (born between 1982 and 1995)
According to media expert Sarah Sladek, Generation Y is a tech savvy, globally minded generation that isn’t joining, buying, networking, learning or engaging like other generations. This generation experienced many firsts, firsts to use technology. They want frequent feedback, want variety in their work. They avoid tradition for the sake of tradition. They’re eager to learn and lead. And they like to reexamine to keep things relevant and future focused.
Generation Z (born between 1996 and 2009)
Generation Z is the newest and youngest named generation right now. They are also referred to as the connected generation because they haven’t known life pre-internet. They are a creative, entrepreneurial group that care about social causes.
 
For some people differences can be a huge roadblock in a working relationship. This often happens because people take differences as a personal offence. But we all see with different eyes and when accepted, this can be a team’s greatest advantage. You alone can’t experience and see everything, but together, with many perspectives, your team can SEE and therefore DO much more than any individual.

Generational differences are also not the only difference you’ll come across in the workplace. Everyone was raised differently, comes from different places, backgrounds, and beliefs. Knowing how to interact and work with all kinds of different people will make you a useful asset to any working team, and an all-around better human being.

So let people be different. Let everyone bring their own unique selves to the table and your arsenal for combatting projects and problems will be that much more impressive and diverse.

2: Giving and Receiving Criticism

In the workplace you’ll need to learn how to embrace and use criticism to your advantage. You also might need to know how to effectively give criticism as well. You should embrace every bit of criticism as an opportunity for insights on how to improve. Even the worst given criticism can have something useful that you can take advantage of. It may be hard to hear small, nitpicky ways you can improve. But when you allow yourself to use criticism, you can develop new skills that will help you climb the professional ladder and improve yourself as a person.
criticism

How to Give Feedback

Sometimes your job will require you to give feedback to others. The whole point of giving feedback is that you want to see something improve. Whether it’s actions or a project, you are simply invested in making something the best it can be. Your feedback needs to be helpful, effective, and clear. Here are 4 quick steps to make sure you don’t leave someone more confused by your feedback, rather than giving them the insight and direction you intended.
First, ask what IS working.
This isn’t just to make people feel good about what they are doing, or soften the blow of what you don’t like, though it can do these things too and that’s an added bonus. But if people don’t know what is working then they might end up changing things they shouldn’t. Make sure they also know what is working.
Second, ask what’s NOT working.
This part of giving feedback is rather obvious. But remember to not let yourself make the interaction overly emotional or personal while giving feedback about what isn’t working.
Be clear and specific.
Vague criticism is not helpful criticism. A subordinate or team member can’t improve if you are too ambiguous in an attempt to not hurt feelings. For example, if a team member is working on a design, don’t just say, “It could be better.” Instead figure out what specifically about it isn’t working. Is it the color? Is it the image they chose? Is it the font style? Be as specific as you can about what is and isn’t working.
Finally, help them implement your feedback.
Once you’ve figured out what exactly isn’t working you can become even more specific by suggesting solutions to their problem. So don’t stop at “the color isn’t working,” but help think of what could work. Maybe the color needs to be lighter, or darker, or a different color all together. In any case, don’t leave them to brainstorm solutions all alone. Giving suggestions can also help further solidify their understanding of what insights your criticism is trying to give.

How to Receive Feedback

In almost any workplace you are going to receive feedback about your work and performance. Here are a few steps to follow anytime you are receiving criticism:
Shut up and just LISTEN.
A lot of times, when receiving criticism about something we’ve worked on, our initial gut reaction is to talk, to explain ourselves, to help them see what we were seeing, or to defend our work and therefore ourselves. But when you are talking you are missing out on the feedback the other person could be giving if you let them have the floor.

It may help to look at your work not as YOUR work, but as THE work. Separate your work from yourself and allow it to be its own entity that you and the critic are both just working on together.
Wait until the end to ask questions.
Waiting until you know they are finished to ask questions is the best way to make sure you don’t miss anything. Asking questions will also help you understand their feedback more. Feedback is only helpful if you have a clear understanding of it, so don’t be afraid to ask questions at the appropriate time.
Turn negatives to positives!
Sometimes criticism isn’t so constructive. Other times even constructive criticism can just come with a lot of negatives. If the feedback is poorly given, focus on what good you can take from it to be better.
Thank the critic.
Make a habit of thanking your critics for their feedback. Even if it was poorly given, thanking them can help them chill out and realize they don’t need to be hostile to get through to you.
Implement the feedback.
Make a plan going forward of how you will implement the feedback. It was meant for your benefit so take full advantage! This is where you take the wheel back again and start driving forward.

3: Flexibility

Be flexible. The workplace today is changing rapidly. Rather than being angry and resistant of changes, develop flexibility. Flexibility is a winning strategy in today’s job market. It is also important to prioritize and be flexible with your time in order to take care of your own well-being, while still being productive.

If you have trouble with change, here are some tips on how to deal with change better:
flexibility

Stay Grounded

Find something in your life that isn’t changing to focus and lean on while you acclimate to the new thing.

Understand the Reasons

Seek to understand the goals for the change so you can more easily get on board. More than likely, if your workplace is changing something it’s because they have reason to believe it will make things better. Understanding the estimated benefits of this change will help you see its value and give you a reason to want the change too.

Keep Up to Date

Don’t get comfortable being stagnant. Make a habit in your everyday life to learn and try new things. This will give you an arsenal to deal with change as you actively pursue it in your own life. If you are staying up to date on learning new things, then some changes may not be that big of a shift for you. In a way, you’ll be prepared for changes in advance.

Strong Support Network

In your personal life it’s important to have a support network. This can consist of people, hobbies, and practices that you can lean on in times of change and need. It’s also important to have support from fellow coworkers and team members when changes cause you and fellow workers to lose footing. Be there for others and they’ll be there for you.

4: Problem Solving Skills

Be a problem solver. Employers look for workers who can work across lines and be an active participant in the running of the business. When you are willing to learn expertise and solve problems that arise, you increase your level of knowledge and your value to the company.
problem-solving

Understand the Problem

You can do this by defining the problem, listing all the obstacles and related variables, and defining the root cause of the problem. Understand the whole picture so you aren’t missing any important details that may be the key to the solution.

Reverse Engineer

Sometimes deconstructing the problem will help you find the root cause, which may be the key to the solution. Also, thinking about things backwards can give the new perspective necessary to see the solution.

Communicate

There will probably be people and other departments that you’ll need to communicate with in order to understand the problem completely. The knowledge of these other people may be the missing link you need to formulate the entire solution.

5: Confidence

Be confident. When you project a sense of confidence, you center yourself. Your sense of confidence will have a profound effect on your coworkers. When you appear confident, your coworkers and managers will be willing to follow your lead.
confidence

Change Your Perspective

People aren’t just born with or without confidence, it’s something that you build for yourself. You can grow or diminish your confidence through the perspective you choose to have.

Grow Thick Skin

Part of self-confidence is having thick skin. You want to build up a layer to keep yourself from taking everything personally and allowing every little thing to chip away at your self-esteem.

Try treating yourself like you would a friend, or loved one. Seeing yourself from this detached perspective can help some people be kinder and take better care of themselves. Find opportunities to congratulate, compliment, and reward yourself.

Look Inward

Deconstruct Your Self-Image.

Be more self-aware. Take note of your triggers to know what builds and what diminishes your self-confidence. Be aware of what you obsess over and ruminate about. What failures do you focus on? List the things that disappoint you about yourself. For example, if you say “yes” even when you want to say “no.”

Do the 100 days of rejection challenge. Jia Jiang started this challenge. You purposefully make crazy requests of people in order to be rejected once a day for 100 days. His purpose was to desensitize himself to rejection.

Reconstruct Your Self-Image

Visualize yourself as you want to be. How you view yourself in your own mind’s eye is where your self-confidence stems from. Create an image of yourself that you are proud of.

Practice seeing yourself as equal to those around you.

Use positive affirmations. Affirmations are when you say things out loud to make them more real, to train your brain to think a different way about yourself.

Practice leaving your comfort zone.

Practice more self-care.

Make realistic goals you know you can accomplish. You might want to go to the gym every day, but you know you can get yourself to the gym at least twice a week.

Look Outward

Create boundaries. Part of self-care is creating your own boundaries and respecting yourself more by adhering to the boundaries you need.

Forget yourself. Pay more attention to those around you instead of worrying about how they see you. Help others, volunteer, and focus more on the things outside of yourself.

6: Competence

Being competent is all about your ability to learn new skills and navigate uncharted territory. It is about having a level of self-sufficiency and not being helpless in every new situation. Competence will take you farther and farther in your job as the things your workplace wants you to do are going to vary more. Competence also comes in different levels.
competence

Level One: Confidence

One trait of a competent person is having confidence in your abilities. When you pair confidence with competence, you have a winning strategy for completing tasks that may be new to you. You can gain this first level of competence by doing new things frequently. You might not have any experience using Microsoft Excel, but you can have experience in doing new things. There are a lot of tips, tricks, and skills you can learn by doing new things that can transfer over to other tasks as well.

Level Two: Learn

The second level of competence is being able to learn and figure new things out on your own. Skills like this come from knowing how to research and study independently. In school you learn this skill with individual assignments. For example, you need to get rid of an endnote on a document, but you don’t even know what an endnote is! Because you do know how to use the internet and user forums, you can figure out how to do it on your own.

7: Good Work Ethic

Develop a strong work ethic. Work ethic can encapsulate a lot of different things. Ultimately work ethic is the idea that hard work is important. If you have a good work ethic that means that you put in good, valuable, high quality work and that you care about the kind of work you are doing. It also encompasses how you carry yourself in the workplace.
work-ethic
Here are some characteristics of those who have a good work ethic:

  • Be focused
  • Have an appropriate work-life balance
  • Be professional
  • Adhere to workplace etiquette
  • Be dependable
  • Be self-disciplined
  • Be organized
  • Be productive
  • Be efficient
  • Be responsible
  • Care about the work you’re doing
  • Care about quality work
  • Determination
  • Accountability
  • Humility
  • Integrity
  • Discipline
  • Team player
  • Loyalty to company
  • Time management, be punctual, deadlines
  • Honest
  • Respectful

8: Handle Pressure

Work well under pressure. Today’s workplace is a pressure cooker of stress. When you develop a sense of calm amongst the crazy, you exponentially increase your ability to rise in the workplace.
pressure-stress

Take Care of Your Body

Try to treat your stress the way you would treat the common cold. Stress can also affect your body. Everyone gets colds, that’s why it is called the common cold. Everyone also gets stressed out in the same frequency. When you have a cold you can either do nothing and let it escalate to a sinus infection, or you can do things to take care of yourself and get over the cold quicker.
Get More Sleep.
On a regular day you might be able to get away with 5 to 6 hours of sleep and still function normally during the day. But when you are sick you need to sleep more than that. In the very least you need to be getting a full eight hours of sleep each night, maybe a little more. When you’re stressed you also need more sleep than normal to recuperate. You’ll want to also make sure you are getting quality sleep:

  • Make your room cold.
  • Have plenty of blankets.
  • Go to bed and wake up at the same time.
  • Give yourself an extra half hour of falling asleep and waking up time.
  • Unwind before bed, relax, meditate, take melatonin, or drink some cold water.

Eat Healthy.
Make sure you are eating healthy. When you have a cold sometimes you lose your appetite. Sometimes when you’re stressed you can also lose your appetite, while other people’s appetite grows. You have to fuel your body with the nutrients it needs to keep up and keep running during times of sickness or stress. You have to give your insides a fighting chance by providing the right fuels.
Exercise.
Unlike when you’re sick it’s actually good for you to exercise like normal when you’re stressed. Exercise is a good natural medicine for stress.

Take Care of Your Mind

Reach Out.
Reach out to others and let them know what’s going on with you. Sometimes simply talking out our stress can help alleviate it. Go out with people in your support system to have some fun and treat yourself. You can also formulate a team to help you with whatever’s stressing you out. Sometimes we stress out because we have a task that’s too big for one person and we need to accept that and ask for help.
Prevent Burnout.
One thing that affects a lot of worker’s stress is actually burnout. There are a lot of things you can do to prevent and treat burnout, but one thing that helps is to change things up. Changing your routines or taking a much needed vacation can be just the medicine you need to reach full capacity again.
Organize Better.
If your tasks are all planned out in doable chunks then you can tackle your workload better and stress about it less. For instance, you’ll know you don’t need to worry about task B today because you have plenty of time allotted on Thursday to tackle that item. Effective organization gives you back control. Also try keeping a list of all the things you’ve finished so you can have an accumulating list of accomplishments to remind you of how productive you’ve been.

9: Time Management

Manage your time well. You can be the best employee in the world, but if you constantly miss deadlines due to poor time management, you undercut yourself. So, learn how to allocate your time for each task wisely to increase your marketability. Time management skills will not only help you be more productive, but it will also help you take care of yourself better.

  1. plan your month
  2. plan your week
  3. plan your weekend
  4. plan your day

time-management

Some Time Management Tools:
  • Monday.com is great for managing team jobs.
  • Toggl is great for keeping track of how you use your time.
  • Google or Microsoft Tasks are great for making and organizing your to-do lists.
  • Bullet journals are great agenda for the creative spirit or if you want to organize a lot of different things in one place.
  • Trello is a great app if you like to organize with post-it notes.
  • Mind Meister is a great tool if you like to organize in a map or thought-web form.
  • Hard copy calendars are great for a big picture visual.
  • White boards are also great for a big picture visual.

10: Communication

Be a communicator. When you communicate well, you create a sense of harmony and competence in your team and in your office. Good communication is a valuable skill that should be developed no matter where you are on your career path.

Nonverbal Communication

Includes things like your body language and demeanor. You can practice good nonverbal communication with good posture and being an engaged listener.

Verbal Communication
  • Be respectful
  • Be relevant
  • Be specific
  • Be focused

positive-attitude

11: Positive Attitude

Develop a positive attitude. Nothing is less attractive than someone who doesn’t want to be on the job. Whether you hate or love your job, develop a gratitude and a positive attitude to keep morale up!
 
Along with having an overall positive attitude become invested in your work. It is yours to do and how you do it and your attitude toward it, will reflect you more than it reflects your job.






READ MORE
Listen to Jia Jiang’s TED Talk, “What I Learned from 100 Days of Rejection” to learn about what he learned from the 100 days of rejection challenge.
 
Read the Mayo Clinic’s article, “Job Burnout: How to Spot it and Take Action” to learn more about managing burnout in the workplace.

NEED QUICK CASH?

start your application

* Required Field

 

  • HACKER SAFE certified sites prevent over 99.9% of hacker crime.
  • Cashwise
  • RLS
  • Check City BBB Business Review
  • CFSA
  • UCLA

Apply Now Or Call 1-800-404-0254

Find A Location | Contact Us | Wireless Policy | Terms of Use | Privacy Policy | © 2004-2019 Check City Online. All Rights Reserved.