Category: Credit Card Guide
New Year's resolutions. According to Inc. Magazine, 60% of us make them. But many of us know that when it comes to actually keeping New Year's resolutions, the odds aren't exactly in our favor. Research shows that, despite our best intentions, only 8% of us accomplish those annual goals we set for ourselves.
If you're anything like me, 2020 has left you hungrier than ever for fresh starts and clean slates.
What keeps us coming back every year? Well, as PsychCentral tells us, it’s partly tradition (we are creatures of habit!) and partly the allure of a fresh start, a clean slate. And let’s be honest, if you're anything like me, 2020 has left you hungrier than ever for fresh starts and clean slates.
That fresh start can apply to your professional life just as easily as it applies to dropping a few pounds, quitting your Starbucks habit, or taking up hot yoga. So, let's talk about some strategies to help you set career resolutions and, most importantly, actually keep them.
Goals versus resolutions
Every year I hear people say “My New Year’s resolution is to lose 20 pounds.” But technically speaking, that’s not a resolution, it’s a goal. It’s an outcome that you either do or don’t achieve.
A New Year's resolution is “a promise that you make to yourself to start doing something good or stop doing something bad on the first day of the year” according to the Cambridge English Dictionary.
Two things I love most about resolutions are that I have a chance to win every day, and I have complete control over my success.
A goal might be to achieve a revenue target, land an interview with someone you admire, or strike up a coveted partnership.
A resolution defines the experience you want to have. It’s about the how not the what. When I think of resolutions, I think of habits that will bring out the best version of myself—something like a promise to plan my day the night before so I'm ready to jump in fresh first thing in the morning.
The two things I love most about resolutions are that I have a chance to win every day, and I have complete control over my success.
4 strategies to help you set (and keep!) professional resolutions
1. Reflect on what you’d like to change
Resolutions begin with an honest look at the year closing behind you. For me, 2020 has had some highs, but on balance, it wasn’t my cutest. There’s a lot I’d love to change next year. And my resolutions focus on a few key areas that live within my locus of control.
There is no shame or blame here; there is only space for reflection.
So where am I choosing to focus? For me, there are three distinct experiences I had this year that I plan not to repeat in the one upcoming.
Overwhelm. That not-so-adorable feeling that the world is sitting on my shoulders—that my clients’ success and my kids’ education and my aging parents’ welfare are all relying on me. Can’t do it again next year.
Reacting from a place of fear. Holding my breath, taking on more work than I know I should because what if the economy doesn’t bounce back? Will not repeat this one in ’21.
Loneliness. Hi, I’m Rachel, and I’m an extrovert! (Here's where all you fellow extroverts respond with, "Hi, Rachel!") If travel and face-to-face meetings won’t be an option for a beat, then I’ve got to be intentional about finding ways to bring more connection into my life.
These three experiences put a damper on my 2020. Note there is no shame or blame here; there is only space for reflection.
Be thoughtful about what aspects of the year felt heavy for you and commit to changing your experience next year.
Maybe your experience of 2020 was grounded in anxiety, or you’ve felt job-insecurity, or maybe just boredom. There are no wrong answers, so be thoughtful about what aspects of the year felt heavy for you and commit to changing your experience next year.
2. Project what "better" would look and feel like
Ask yourself: If these are the experiences I don’t want to have again, what would it feel like to be on the other side?
Here’s what I came up with.
Shedding overwhelm would mean having a clear plan of attack each day. Rather than scrambling and juggling, I’d have a set of daily priorities ensuring clients, kids, mental health, and all significant constituents have what they need from me. The most critical things get done each day, and if nothing else gets done, I’ve still won.
Not feeling reactive and fearful? That will mean a shift in mindset from “What if the market doesn’t need what I offer?” to “How am I evolving my products and solutions to meet the changing needs of the market?”
And finally (sigh …) the loneliness. I talked about this in a quick video on my Modern Mentor page on LinkedIn. I miss the energy I take, the creativity I see triggered by moments of collaboration and brainstorming. It’s that very sense of ideas building on ideas that I want to recreate in 2021.
Now it’s your turn. What would your “better” look like in 2021?
If you’re job-insecure, maybe "better" means adding skills or certifications to your resume. If it’s anxiety you're wrestling with, maybe your “better” includes more self-care and relaxation.
The only wrong answers here are the ones that don’t resonate with you. You’re less likely to stick with a resolution that isn’t personally meaningful.
3. Define sustainable practices that will move you there
The words “sustainable” and “practices” are key here.
“Lose 20 pounds” doesn’t qualify as a resolution because it’s an outcome you can’t fully control. What you can control are the habits designed to get you there, like eating better or exercising. And if exercising every day feels unsustainable, then shoot for twice a week to start. Make it an easy win for yourself!
I’ll take the three experiences I want to have and translate those into habits and practices I can control.
So how does this translate into the professional realm? I’ll take the three experiences I want to have and translate those into habits and practices I can control. Here’s my working list.
In 2021 I will:
Choose my One Thing
I'll begin each day by identifying the one thing I need to achieve in service of:
- My kids (Example: Check my 6th grader’s math homework)
- An existing client (Example: Develop slides for next week’s leadership workshop)
- My health (Example: Yep, it's a workout!)
- My business growth (Example: Pitch an article to a big publication)
Once I get all that done, whatever else I do that day is gravy.
Make weekly client connections
I will schedule one call per week with a past or current client for the sole purpose of listening. I won't be there to sell or help, but just to hear what’s on their minds, and what needs they've anticipated for the near future. This will allow me to be more planful and proactive in designing my offerings.
Set up virtual office hours
I will host bi-weekly office hours. I’ll share a Zoom link with a dozen of my friends and colleagues and invite people to pop in … or not. No agenda, no one in charge, just an open space for sharing ideas, challenges, and even some occasional gossip.
Pay attention to the fact that all of these resolutions are within my control. I’m not waiting for circumstances to change, and I’m not holding myself accountable to an outcome, I'm just committing to doing these things.
4. Track and celebrate
And finally, the fun part. Each resolution gets a page of its own in my Bullet Journal, which means lots of colorful checks and boxes! I keep track of how many days or weeks per month I stick with my resolutions. I set small goals for myself, and I give myself little rewards for hitting milestones. My reward might be an afternoon off, an extra hour of Netflix (do not tell the kids!), or an outdoor, socially distanced coffee with a friend. Celebration is so important. It motivates me to repeat the habit and have a better experience.
So there you have my secrets to setting and keeping my resolutions. I would be so grateful if you’d share yours with me on Twitter, Facebook, or LinkedIn. I’d be delighted to be your accountability buddy!
If youâre nearing the end of your unemployment benefits, donât worry. Here are your options for what to do when your unemployment runs out.
The post How to Prepare for the End of Your Unemployment Benefits appeared first on Discover Bank – Banking Topics Blog.
The average salary of an architect isÂ $76,100 per year. Have you ever wondered how much an architect earns? Becoming an architect requires an investment of money and time, but pays off in the form of a rewarding career that comes … Continue reading →
The post The Average Salary of an Architect appeared first on SmartAsset Blog.
Fun fact about pandemic life: Zoom fatigue is real. And not just real, but “widely prevalent, intense, and completely new,” according to Psychiatric Times.
Although we might be avoiding Zoom these days when an email or even a phone call (is it 1986 again?) will suffice, there's one place where video conferencing still shines, and that's the good ol' brainstorm.
Old school brainstorming was creative and connective and interactive—all things difficult, but not impossible, to recreate virtually.
When I picture brainstorms of years past, I see images of big tables full of candy and fidget toys and pens and Post-Its galore. Old school brainstorming was creative and connective and interactive—all things difficult, but not impossible, to recreate virtually.
Today we’ll talk about some virtual brainstorming strategies I’ve seen work really well. And then hopefully, you’ll give one a try.
Choose your occasion wisely
brainstorms shouldn’t be a catch-all for any group conversation.
Back when our biggest workplace woe was a vending machine out of Diet Coke, many of us took brainstorming sessions for granted. But in a virtual world, it's harder to organize, facilitate, and get people engaged.
That's why brainstorms shouldn’t be a catch-all for any group conversation. (Often what you’re looking for is just a meeting.) Brainstorms are a very specific brand of discussion in which a collective of creative voices, ideas, and opinions are necessary inputs to achieve a valuable output.
Because of challenges like Zoom fatigue and burnout, I urge you to be stingy with your brainstorming sessions. They're a fabulous enabler of ideas and solutions, so do use them. But do so strategically and with clear intention.
Because of challenges like Zoom fatigue and burnout, I urge you to be stingy with your brainstorming sessions.
What are some great occasions to host a brainstorming session? Use them when you need to:
- Add or refine product features
- Define a path in a sticky situation
- Solve a complex problem
These and many other scenarios call for a variety of perspectives in which there are no right or wrong answers, but only ideas.
In contrast, many other occasions don’t call for a brainstorm. Like when you need…
- Approval or alignment
- Receipt of a message or direction
- Feedback on a mostly baked idea
These are not brainstorm moments—they're meetings with a much more defined outcome. See the difference?
Figure out the specific problem you want to address
Okay, so you've figured out that your situation calls for a brainstorming session. Now, it's time to make sure everybody who comes to the brainstorm is on the same page before you begin by creating a statement that lays out the specific problem and how you need to tackle it.
Your problem statement might be something like:
We’re losing market share on X product, and we need to define new features to attract Millennial customers.
And here's another example:
This client wasn’t happy with our last deliverable and we need to redefine how we’re engaging with them.
One of your goals is to keep the session short (because fatigue) while maximizing what you take away from it. A clear problem statement allows you to invite your brainstorming participants to get the creative juices flowing ahead of the actual session.
Assign some prework to get things rolling
Now that you've stated the problem or opportunity, it's time to let participants know you’re looking forward to a collaborative discussion and invite them to jot down some early ideas and send them your way.
You can then do some analysis ahead of the session. Did you spot any common themes? Any particular ideas you’re interested in having the group build upon?
Share your findings at the beginning of the brainstorming session. This will give you a strong foundation from which to build.
Get creative with tech
Love it or hate it, video conferencing technology is definitely your friend in a virtual brainstorm. It allows you to create a purposeful connection amongst participants. But you have to understand how to engage them.
When I used to run in-person meetings with leadership teams, I was always intentional about switching up the activities every 30 minutes or so. I’d facilitate a breakout, and then we’d do a quick poll, and then I’d have people plot Post-It notes around the room, and more.
Keeping things changing and moving is a great way to keep adults engaged. According to the Harvard Business Review: "If you don’t sustain a continual expectation of meaningful involvement, [people] will retreat into that alluring observer role."
So take the time to learn the features of whatever platform you’re using, and make the session engaging. Some tactics you might try?
- Use polls to test out early ideas
- Use small group breakout sessions to create mini-competitions between your participants
- Use a whiteboard to replicate a poster board people can plot virtual Post-It notes on
- Use voting to prioritize or stack rank
Of course, talking is part of any brainstorm. But using technology can keep participants from slipping into the shadows without contributing.
Establish norms that serve your purpose
A brainstorm isn’t successful because of how smart its participants are, but because of how much freedom and space their voices are given.
A client once told me this story about a packaging company that was struggling with productivity. Their products had to be wrapped in newspaper before being shipped. But often, as employees were packaging product, they’d accidentally start reading the newspaper, losing precious packing minutes. These minutes added up to lost productivity.
One day the leadership team was brainstorming solutions to this distraction problem and one executive said, “Well, what if we just poked their eyes out?”
Of course, he wasn't serious—the question was absurd and meant to add a little humor. But it triggered a new line of thinking. Eventually, the company established a partnership with a non-profit organization that finds jobs for blind people.
Is this story true? I’m honestly not sure. But it’s a great illustration of the importance of free-flowing ideas.
A brainstorm isn’t successful because of how smart its participants are, but because of how much freedom and space their voices are given.
As the facilitator, what norms can you put in place to ensure that all ideas get voiced without judgment and everyone has a chance to speak?
Here are a few you might consider:
- Use the improv rule of “yes, and.” It means that ideas are never knocked down, only built upon. (Don’t worry, they can get voted down later, just not during the brainstorm)
- Use the two- (or one- or five)-minute rule. Ask people to limit themselves to two minutes at a time, even if they need to stop mid-thought (they can finish on their next turn). This challenges people to be concise and ensures that everyone gets a chance to speak.
- Use a round-robin technique. Circle around the Zoom participants, calling on each person as you go. If someone isn’t ready, they can pass. But this is a great way to prevent introverts from getting overlooked.
What other norms will keep you on track?
Close out thoughtfully
Save a few minutes at the end of your scheduled session to check in on the process. How did it feel for everyone? What worked well and what might you skip next time? Do they have other tactics to recommend?
The best answer to “How do I host a great virtual brainstorm?” is the answer that your own participants give you.
When scheduled for the right occasion and with the right people, brainstorms are a fabulous tool. Don’t be intimidated by them. Just be open to learning as you go.
Thinking about working in New York? There are some features of work life in the Big Apple that set it apart from the work culture in other cities. Is it true that if you can make it there you can … Continue reading →
The post 10 Things to Know About Working in New York appeared first on SmartAsset Blog.
We continue to live in unprecedented times—there's no playbook. We’re living and working differently than ever before, and we’re breaking some eggs as we go.
Whether it’s making a Zoom faux pas, accidentally bringing a political view into the workplace, or missing a deadline because you were distracted by homeschooling your kids during your workday, there's a whole lot of “I’m sorry” happening around us.
But the thing about apologies is that if they’re not done right, they can backfire. An “I’m sorry” that feels disingenuous or patronizing may leave the other person feeling resentful, mistrustful, or uninterested in working with you again.
So next time the moment arises—because it will—how can you deliver an apology that feels genuine?
What are the five apology languages?
For their book, When Sorry Isn't Enough, Gary Chapman and Jennifer Thomas researched the many ways in which we apologize. They discovered the five apology languages that are effective when it's time to step up and own a mistake.
So let’s talk about each and how you can make them work for you.
Apology Language #1: Express regret
When you realize you’ve done a thing that you just feel bad about, and "I feel bad about this" is the gist of what you want to say, this is the apology language you need.
Something as simple as “I’m sorry X happened” can achieve your goal.
When might you need this one? Imagine you’re hosting a Zoom call. One of your colleagues asks a question, and you dismiss it flippantly and move on.
Not unforgivable. But upon reflection, you feel bad that their question got passed over. Give them a call and put Language Number One to work. Offer a simple apology:
I realize you asked an important question during our call, and I’m sorry it didn’t receive the attention it deserved.
Be specific about what you’re sorry for, and then end your sentence. No "I'm sorry, but …". When you qualify your apology with a "but," you effectively cancel out the apology.
Apology Language #2: Accept responsibility
This second language may be seen as an extension of the first.
Let’s hang with the same situation. A Zoom meeting, a question posed, you moved on.
And now, upon further reflection, you realize that you not only regret what happened, but that you had a particular responsibility in it. You were running that meeting, and you had the power to pause and address your colleague’s question. You chose to plow ahead.
So, maybe take some responsibility. What might that one sound like?
I realize you asked an important question during our call, and it didn’t receive the attention it deserved. I should have paused the conversation to acknowledge your question. I'm sorry I didn't do that.
When the offense feels small—and that’s a subjective judgment—often, taking responsibility will be enough as long as that ownership is genuine.
Avoid shifting the weight of the offense back onto the other person by saying some version of, "I'm sorry you felt that way." That's deflection. And it's just not cool.
Apology Language #3: Make restitution
The third apology language is the one that pushes you from feeling regretful and responsible to knowing you need to make things right.
Let’s imagine a different scenario. A friend reaches out to let you know she’s applied for a job in your company. She has an interview scheduled and she’s asked if you’d be willing to put in a good word for her with the hiring leader. You know her work, and you say, “I’d be delighted to do that!”
She calls you again next week to say she’s just had her interview and it went … OK. When she asks if you managed to put in that good word, you realize you totally dropped the ball.
You know you owe her an apology. But that may not feel like enough. The stakes are high and you want to make things right.
This is your moment to show off your Apology Language #3 skills. You might say:
I am so sorry. I promised I would do that and I dropped the ball. I know how important this opportunity is for you. I’m going to speak to the hiring leader this afternoon—you have my word.
Putting in your recommendation for your friend after the interview has already happened may not be exactly the thing you promised. But if it leaves both you and your friend satisfied that all is right with the world, then you’ve made your apology work.
Apology Language #4: Genuine repentance
This brand of apology is about not only being sorry but taking accountability for preventing the same mistake from happening in the future. It’s about taking ownership and committing to behavior change.
In this case, let’s imagine you lead a customer service team for your company. A customer had a not-so-hot experience with one of your representatives and sent a complaint email to a customer service inbox. An inbox you’re supposed to check daily, but boy have you been busy!
A couple of days later, that same customer, having heard nothing from you, tweets something ugly about their experience with your company. And your boss is fuming.
You dropped the ball. You need to own it. But more importantly, you need to leave your boss feeling confident that this will never happen again.
Your apology might sound something like this.
I am so sorry this happened. I got overwhelmed and didn’t make time to check that inbox. But that’s no excuse—I could have asked for help. I take responsibility for this customer’s experience. And starting today I’ve put a twice-daily reminder on my calendar to check that inbox. And if I’m too busy to do it, I’ll ask someone on my team to check. This way, every customer concern or complaint will be seen in hours, not days.
I don’t know about you, but I’d feel pretty good hearing that apology. You’ve owned it and you’ve convinced me that you broke just one egg and it won’t become a dozen.
Apology Language #5: Request forgiveness
You’ve said what you came to say. The wounded party has given you the gift of their attention.
But now there’s something more you need from them—forgiveness. This part requires a level of vulnerability that can be hard to access because your request for forgiveness doesn’t require the other person's gift of it.
They may say no. They may need to think about it. They may say “We’ll see how things go over time.”
For some people, an apology won’t feel genuine until you’ve asked their forgiveness. So you may need to go out on a limb and ask, even knowing you may not receive it.
Don't apologize when there's nothing to apologize for
Before I close the conversation on the five apology languages, I’d like to add my own note of caution. Apologies are important when they’re warranted—when you’ve done something wrong or let someone down.
But for many people—and more commonly for women than men—apologizing is something we do too often in moments that don’t warrant an “I’m sorry.”
Here are a few examples:
- I'm sorry, but I have a question.
- I'm sorry; I have a full plate and I can't take on that extra project.
- I'm so sorry, but I have to pick up my kid so that 6 p.m. meeting is too late for me.
Please don't apologize for situations like these. Instead, say:
- I have a question.
- I have a full plate and can't take on that extra project.
- That 6 p.m. meeting is too late for me.
You have the right to ask questions and set boundaries. I will never stop reminding you of that. Sorry, not sorry.
When youâre setting up a home office for remote work, keep these key principles from ergonomic experts in mind. Your bodyâand your productivityâwill thank you.
The post Planning a Home Office? Check Out These Budget-Friendly Tips appeared first on Discover Bank – Banking Topics Blog.
The average salary of a physical therapist isÂ $84,020 per year. If you’ve ever undergone physical therapy you know how important the work of physical therapists is. The job of a physical therapist is one that requires high levels of skill … Continue reading →
The post The Average Salary of a Physical Therapist appeared first on SmartAsset Blog.