Tripping On The Ladder

 By Jenaissance
 (c) March 2, 2010

Each Christmas, I ask for the Life’s Little Instructions desk calendar for the coming year.

I love all the nuggets of wisdom it offers and I keep it on the counter in the kitchen “staging area” (the place where the mail and bills stack up and the cell phone charges) so I can glance at it often as I am going about my day.

Today’s “little instructions” calendar page really struck a chord with me—and I think it will with you, too. It says, simply:

“Treasure time. No amount of money can retrieve a single second.”

Wow. This one really hit me.

A year and a half ago, I went on a family “girls weekend” to Chicago to celebrate my aunt’s birthday, and I ended up missing some of the fun because I was stuck dealing with a work crisis for half of the weekend. There is nothing like stuffing yourself into a corner of the cosmetics section at Macy’s on Michigan Avenue on a crowded Saturday afternoon and frantically typing missives on your BlackBerry to folks back at the office to make you aware that your work and life are completely out of whack.

No amount of money can retrieve a single second.

A year ago, I went on vacation with some friends to Las Vegas. My friend had specifically asked me if I could leave my BlackBerry at home this time. I said I would do my best, but I still found myself sneaking into the women’s locker room at the spa in my robe, in between the hot stone massage and the pedicure, to quickly address a problem back at the office.  At the spa, for pete’s sake!

No amount of money can retrieve a single second.

Six months ago, I asked my husband what we should do for vacation. “I thought you didn’t take vacations anymore,” he said to me.

No amount of money can retrieve a single second.

Over the summer, a close family friend died unexpectedly. Several months later, in the middle of the night, my parents called with the news that my uncle had been killed in an accident—on a highway he traveled daily for a decade. We miss them so much. We were blessed to have spent many wonderful moments with them…but what if we hadn’t made the time?

No amount of money can retrieve a single second.

The fact of the matter is that (1) Life deals us what life deals us, and (2) We are the only ones who have the ultimate authority to be the stewards of our time, in a way that aligns with our values.

One of the reasons I left my job and started my own business is because I reached a point where enough was enough. I wanted to be the captain of my own destiny, and that included having the final say on where and how I spend my time.  Obviously it’s not all “fun and games” all the time – There are still responsibilities and deadlines and clients who need attention. But I didn’t want to miss out on another thing I value, personally or professionally.  

Individuals in job transition—whether looking for that next job opportunity or starting a new business venture—may not have the benefit of a regular, robust paycheck, but we do have an even more important gift on our hands in the interim: the gift of time.  

Take full advantage of this gift. How will you spend it? Here are a few ideas:

Make things right with the people who’ve been craving your time and attention. Maybe, like me, you were working in a pressure cooker, glued to your BlackBerry and dealing with one crisis or issue after another in a high-stress work environment. Or, alternatively, perhaps you were so burned out that you were too tired to participate in activities with your family or friends, even when you were available. If you blew off someone important to you, even if they understand that you were in survival mode at the time, you owe them an apology. Do it today.  Make things right again.

Create a time “hierarchy” list  in which you assign all key areas of your life a priority. If spending time with your kids is your top priority, rank that “No. 1.” Maybe volunteering at your church or synagogue is your “No. 2” priority. Ranking these key areas of your life will help you make better decisions about where your time goes.

Set aside a few minutes each week to call or e-mail a friend, loved one or colleague. Let them know what they mean to you. Even if you can’t be with them frequently, let them know they are important to you—in your own words.

Identify two or three drains on your time and take steps to remove them.
Perhaps you were cornered into volunteering for a project that doesn’t rank high on your priority list. Or, maybe you find yourself continuing certain habits that no longer fit your current lifestyle.

Write down a “mission statement” for how you will better maintain boundaries to manage your work/life flow.
For example, will you promise to only check your BlackBerry once a day while you’re on vacation? Or, better yet, will you arrange for a trusted friend or colleague to be a first point of contact for your business dealings while you are away? If you are invited to two events at the same time, will you always give priority to the family activity or the activity involving your closest friends?

Identify areas of your life where you are suffering from “diminishing returns.”
I know some people who will drive 30 miles to save $1.00 at a grocery store. And while it’s certainly true that many of us are being more fiscally careful during this down economy, are you wasting your time for such a small return? There are likely several areas of your life where you are saving money but wasting an awful lot of time. See if you can’t bring these a little closer into alignment.

Do the thing you’ve always been wanting to do but never had the time.
Maybe it’s taking a class at the gym that was always out of reach because it’s in the middle of the work day. Perhaps it’s working from a funky little coffee shop, which your old boss never would’ve given you permission to do. Or, maybe you simply relish the ability to take a book and sit in the park for a few minutes each afternoon.

We are blessed with the gift of time. And, at the end of our lives, that’s what we will remember and treasure most of all. Why not use this time of transition to really focus on what matters most?

 Posted by Jenaissance
 (c) January 25, 2010

We are emerging, slowly, from the worst recession in our lifetime, one that has crippled our financial centers, dried up jobs and easy credit, and sent our expectations, not to mention our wallets, reeling.

So why, then, are we so happy?

In the November 23, 2009, issue of Time magazine, columnist Nancy Gibbs writes about the “happiness paradox.” Pollsters have measured (albeit awkwardly) “national attitude” over the years, which, not surprisingly, hit its lowest points in 1973, 1982, 1992 and 2001—all recession years. More recently, when the Gallup-Healthways Well Being Index was launched in January 2008, it too sought to measure national “mood.” When the economy hit its roughest patch during the summer months of 2008, so did the national “mood”—until a surprising and paradoxical thing happened. By summer 2009, the national mood had increased to a level even higher than it had been in 2008, before the economy collapsed.

Writes Gibbs: “I’m struck by how many people tell pollsters that the voluntary downshifting and downsizing of the past year have come as a kind of relief. Maybe we’ve lowered our standards. But we already knew that money can buy only comfort, not contentment; happiness correlates much more closely with our causes and connections than with our net worth.”

I tested this theory anecdotally on a random sample of friends and acquaintances whose households are in transition for one reason or another.  I asked what transition-inspired changes they’ve made and whether they are happier as a result. Here’s what they had to say.

“My husband and I resolved to do more entertaining at home in 2010 vs. meeting friends at restaurants. We love how the house feels in prep for, during and after guests…and many favorite culinary Web sites and magazines are featuring thrifty and tasty menus that feed a table of friends for a fraction of dinner out for two. We’re trying to focus on honoring special occasions in family and friends’ lives for the themes…heartwarming all around.” (Natalie, Minneapolis)

“I’m eating at home more. It is healthier and I feel better. I am working on finding balance in my life and comfort in my house because I cannot afford to go anywhere so I need peace and balance in my daily life.” (Heidi, Washington, D.C.)

“Our family started a ‘Family Activity Christmas Countdown’ this year. The concept is simple, of course – to celebrate each other during the holiday season instead of losing each other to the hoopla of parties and presents. We created a Christmas countdown chain with a link for each day and an activity on each link. The rules were pretty simple: the activity had to be done together, and if at all possible, cost no money. It could last five minutes or five hours, as long as that time was spent together.  This is the second year we’ve done it, and it really has become a highlight of the Christmas season for us.

The other thing that we did last year during spring break was a staycation. All of the kids had friends heading off to beaches and exotic locations and something like just wasn’t in the budget for us. I still wanted to make their spring break special, though, so I came up with the concept of a staycation where each person in our family had a day dedicated to him or her. That person started the day with breakfast in bed (their choice, decided the night before) and then planned our day. We visited the science museum, the zoo and the water park. Some days were just quiet days at home. My one son chose to have a pajama day on his day, and my daughter chose to make dinner together on her day (and have a fire safety meeting – she’s a classic first child.) While our outings to the science museum and the water park cost money, it was significantly less than we would have spent on a vacation, and everyone loved having control of a day. 

I am not so delusional that I think my kids wouldn’t trade our staycation for a trip to Hawaii in a heartbeat, but I’d like to think that we made some fun memories just the same. (Becky, Minneapolis) 

So how about you? How are you finding happiness and contentment among the challenges of the recession? We’d love to hear from you!

 By Jenaissance
 (c) January 14, 2010

Starting a new business is an exciting, thrilling opportunity—but, if you’re not careful, your new venture can easily drain your finances before you even earn a penny in profit.

In Tuesday’s issue of “The Daily Rung,” I shared with you a few tips for knowing what to spend your money on when forming a new small business. And now it’s time to consider a few places where you can save money.

Part II: Where You Should Save

Furniture
Unless you are expecting clients to visit your office, you really don’t need much in the way of office furniture—at least, not right away. If you’re working from home, you’ll probably need a desk with ample work space, a good ergonomically sound chair (since you’ll presumably be sitting in it much of the day) and a file cabinet, preferably one that locks and is fire proof.  

Be sure to set up some space that is dedicated solely to your work. In other words, your work desk shouldn’t double as the gift-wrapping table and the poker night table, and the keep the kids and the dog away from it, too. In a home office, it’s critical to keep your work space separate from your living space. Not only will this help keep you organized, but it’s also a requirement by the Internal Revenue Service (IRS) if you are planning to claim home office deductions on your annual income tax return.

If you need to equip a new office, Craigslist, office furniture resale stores and Target and other discount retailers offer low-budget solutions. And even if what you come up with is hardly a matched set, if aesthetic is important to you, never underestimate the power of a good can of spray paint to give all the pieces a cohesive look.

Phone Bills
Depending on your line of work, you may or may not need to have a dedicated telephone and/or telephone number. So much business these days is transacted via e-mail that, if you have to make a choice, it might make sense to invest in a high-speed Internet service first, rather than a phone line. If you plan to use a cell phone for business purposes, ask your wireless service provider to give you a special rate by bundling it with your current calling plan. If you use a land line, consider purchasing prepaid telephone cards to make long-distance phone calls rather than paying for costly long-distance service.

And, there are many great services available—Skype being one of them—that offer free web conference services so you can hold virtual meetings with colleagues and clients without spending a cent, and all from the comforts of “home.”

Advertising
As soon as you announce that you are open for business, you will likely be on the receiving end of endless solicitations to advertise your new business.  Whether it’s a representative from the Yellow Pages, the community “shopper” newspaper, or the latest fad in online advertising, the solicitations will come. These sales people have a job to do—and goodness knows it requires persistence on their part—but that doesn’t mean you should just hand over your wallet, either.

Before you consider any kind of advertising for your business, revisit your business plan. Who are the customers you are hoping will hire you? And where are they? If you are trying to appeal to a niche market, chances are good that your prospective customers won’t be looking for you in the Yellow Pages. Likewise, if your target customers aren’t Web users, then online advertising may not help you reach the right folks.

Advertising, when done carefully and selectively, can really help your business development efforts. Advertising, when done foolishly or without a plan, is like watching your money run straight out the door. Be selective—and, if you’re really unsure, there’s no harm in trying some other business generating activities first (phone calls, face-to-face meetings) before considering alternate forms of getting the word out.  

 By Diva Nikki
 (c) January 13, 2010

I have a phrase I’ve shared with many people: “Patience is a virtue.  It’s just not one of mine.” 

Tolerance, I’ve got plenty.

Love, in abundance.

Understanding, in spades. 

Patience…not so much.

 So when I tell you that if you have a spouse in career transition that you should be prepared for this journey to be long one, I want you to appreciate exactly how hard that journey is for me.

 I’m a doer. I’m an action girl. I love to help. I adore making things happen.  How does that work into helping my husband find work? It really, really doesn’t.

 The reality is, in today’s environment it can take a long time to find a new job. There are lots of really talented, highly experienced people out there and available for hire. I remember a time when job descriptions might have said they wanted 10 years of XYZ experience, but didn’t necessarily require that of a potential employee.  I remember a time when they might have taken a chance on someone with different industry experience but who had the right skills.  Now, companies can be entirely prescriptive of exactly the length and type of experience they want – and have 46 people apply with those exact specifications.

 I’m not going to lie: the waiting is hard. And it’s especially hard as the spouse of the one doing the looking. Because really – there’s nothing you can actively “do” to help. And as the wait gets longer, the more stressful things can get.

So how do you get through the seeming eternity that is your spouse’s transition? How do you keep your household – and marriage – going?

 Occasionally, revisit your plan.
You put together a budget, agreed on compromises and schedules within the first few weeks of transition.  But it’s a good idea to revisit those if the journey is taking a few months. Make sure the plans you set will still work if things go longer than you thought. 

If need be, create a “worst case scenario” plan. 
What happens if unemployment insurance runs out and your spouse still hasn’t found a new career? Take another look at finances, support networks and possibilities. Create the “holy crud” plan now, while things are still okay. That way, if it needs to be put in place, you won’t have to create it in a panic.

Find ways to re-energize.
If you’ve ever followed a diet plan, you know that even when you begin a plan with utmost dedication, after awhile, you can lose energy. Find ways in the midst of this transition to re-energize – individually and as a couple. Talk to each other. Encourage one another. Pursue (affordable) hobbies or activities that make you feel good. Build romance into each day.

Stay supportive.
If you think you’re feeling dragged down as the career transition timeline continually drags on, how do you think your spouse feels? No matter how hard it is, keep offering support. Let him know every day you love him and believe in him.

 By Jenaissance
 (c) January 12, 2010

Starting your own business is an exciting, exhilarating leap of faith—and a very empowering one, at that.

If you’re like most sole proprietors in the start-up phase, however, you will want to save every penny that comes in the door and choose your expenses carefully…at least until your revenue grows. That doesn’t mean you won’t one day have that shiny office with an expansive view of downtown and your name stenciled on the door in gilded paint. It does, however, mean you may need to make do with a less glamorous set-up until your business grows to a profitable and sustainable level.

In this two-part series, we explore where you should spend—and where you can save—when starting your new small business.

Part I: Where You Should Spend

It’s tempting—and generally wise—to cut corners when starting a small business and to choose your expenditures wisely, since it’s likely that you may not have a lot of seed money to start with and it may take awhile before revenue comes marching in the door.  Don’t make the mistake of cutting corners on absolutely everything, however. Here are the things—in my own humble opinion–that you should never scrimp on (even if you’re tempted):

Legal services.
Going to law school and, later, working as the communications director for two large law firms taught me a very important business lesson: Don’t make a big business move without first consulting with a business lawyer. It’s important to find someone you trust, who has demonstrated experience helping small businesses like yours, and whose fees are palatable to your pocketbook.  A good business lawyer will help you structure your new business in a way that makes the most sense for your business objectives, keep you on the right side of the law in your jurisdiction, and protect your business from unforeseen legal issues down the road.

This will probably be one of the biggest expenses you will incur during the start-up of your small business. Lawyers are expensive. (One reason is because, as my husband likes to say, “If the work was fun, people would do it for free.”) Just gulp now and accept it. But legal planning now will save you time, and perhaps costly problems and unforeseen “surprises,” down the road. It’s kind of like going to the doctor:  a full work-up now will keep you on the healthy path toward the future.

You may also need an intellectual property lawyer to help you file any trademarks or service marks that you are developing as part of your new business. You may want to do this as soon as possible after meeting with your business lawyer, since filing trademark applications takes time and is a fairly slow and tedious process—not to mention that you will want to protect your intellectual property from the very beginning of your business venture.

Accounting and tax services.
Uncle Sam is not always the friendliest guy. Not if you mess up your taxes, that is. Spare yourself the guess-work and hire a good certified public accountant (CPA) with small-business experience to guide you through the tax process. It pays to start building a relationship with a CPA you trust; as your business grows, your accounting and tax needs also will grow in scope and complexity and you will want to rely on someone who’s been with you from the beginning, who understands your business goals and who can help you navigate complex tax laws (which seem to be getting more complicated with each passing year).

In the same spirit, invest in a good accounting system for your business so you can be organized and effective in invoicing clients, paying your bills, and staying on top of your cash flow. QuickBooks offers several easy-to-use solutions, including a starter version that is free and can be upgraded as your client base—and your business needs—grow.  

Marketing basics.
It’s worth it to spend a little money on developing a brand for your new business, followed by a simple business card and Web site so that potential customers have a way to find you. My 10-plus years in the marketing and communications arena have given me a very strong bias, which I will share with you here: Hire an expert to help you. Don’t try to do this yourself if you don’t know what you’re doing. Being able to create circles in Microsoft Word does not make you a designer and plugging words together does not make you a writer—and, if done poorly or sloppily, it will make you look ridiculous. And, for pete’s sake, that handwriting font that looks like a little kid scribbled with a pencil should be outlawed. Just…don’t go there.

Hiring a graphic designer, a writer or a marketing/communications consultant can make all the difference between giving the impression of being a strong, successful, professional, contemporary business or a rinky-dink, unprofessional business that’s running out of someone’s back bedroom…and looks like it. And, frankly, if you are a client seeking to hire a sole proprietor, which company will you trust more with your business, based on first impression alone?

You need not hire a costly agency to help you. There are some outstanding freelance designers, writers and consultants (I like to think I am one of them) who have award-winning experience and who, because they are freelancers with low overhead, can offer you a better price than some of the flashy agencies and creative services firms. Some may even be willing to barter services with you as a cost-effective solution.

A post office box.
If your office is in your home, you will want to consider renting a post office box from the local post office or mailing-related store (such as Mailboxes, Etc., or The UPS Store). Since you will want to keep your personal mail separate from your business mail, this is one way to ensure that happens. And, if you work from home, you probably won’t want to broadcast your home address to strangers who visit your Web site. A p.o. box gives you a business presence, and a place to direct your mail, while protecting your privacy at home. Generally, post office boxes are available in a variety of sizes and the cost to rent a box is commensurate with the size.  

Stay tuned for Part 2 in Thursday’s issue of The Daily Rung, where we highlight some areas where you should save money in starting up your new business venture.

 Guest Column By Marni Hockenberg
 (c) January 8, 2010

A job search can easily be put on the back burner during the holidays, especially if the search has lasted six months or longer.

It’s good to recharge yourself during the holidays to avoid job search burnout. But, like allowing yourself just one more holiday cookie, the temptation to play now and pay later can be dangerous. Moderation is the key.

Hopefully during this holiday season, you enjoyed your down time while also taking some simple and practical steps to jump-start your 2010 job search. But even if you didn’t, it’s not too late to boost your efforts now that the first days of the new year are upon us.

Reflect on your 2009 job search.
Write down five activities you did that successfully moved your job search in the right direction. Keep doing them in 2010. Then write down five activities that didn’t provide traction and discontinue them in 2010.

In other words, make a resolution to be intentional and use your time wisely.

Find an “Accountability Buddy.”
Job searching can be lonely—but with a buddy, you don’t need to be the Lone Ranger anymore. Write down and review your daily, weekly and monthly job search goals with your buddy. Ask him or her to hold you accountable. When you achieve your goals, your buddy can celebrate with you!

Flashcards will give your interview “flash”
Remember flashcards? I used them in school to learn math (where are they? I still need them!). Buy a pack and write down the tough interview questions that stump you.

Formulate your answers and ask your Accountability Buddy to participate in a mock interview with you. Rinse, repeat, rinse, repeat.

Preparation is key in a job interview! 

Attend job search educational workshops, forums and meetings.
Even if you learn one tip that will propel you toward achieving your goal, it will be worth your time.

For example, I’m offering an interactive Interview Workshop on January 12, 2010, titled “How The Hiring Game Is Really Played: Experienced Recruiter Reveals 9 Interview Secrets!” from 8:15-10:30 a.m. at the Ridgedale Library in Minnetonka, Minn. For those of you in the Twin Cities area who’d like to register, visit my Web site at www.hockenbergsearch.com/calendar. For those of you in other parts of the country, seek out workshops that will help you build your skills to become a more confident and prepared job-seeker.

No matter what you do, the simple steps you take now can pay dividends as the new year unfolds!

ABOUT THE AUTHOR:
Guest columnist Marni Hockenberg is principal of Hockenberg Search, a professional and managerial recruiting firm based in Minnetonka, Minn. With more than two decades of recruiting and business consulting experience, Marni Hockenberg has a proven track record of providing focused, personalized search services to small- and medium-sized businesses to help them find, recruit and retain top-tier talent. 

 Guest Column by Rebecca Love Williams
 (c) January 1, 2010

I hope that you all had a very happy holiday filled with peace, love and joy. Now that the new year is upon us, it is time to really think about the New Year that is approaching us.

Have you started writing your Life Plan for 2010 to allow you to get a “fresh start”?

A Life Plan is a written plan of your goals and objectives in your life. It is like a map or guide to help you achieve your inner desires. Your plan can be divided into eight areas:

• Career
• Environment
• Family and friends
• Health
• Leisure
• Love and relationships
• Money and finance
• Personal development or personal growth

Each of these areas affects your life and the importance of each one will vary depending on your internal values and situation.

Here are a few questions you might want to ask yourself while writing your plan:

• What’s most important to you, your core values?
• What do you dream about?
• Where on your career path do you desire to be?
• Is your employer helping you accomplish your personal career goals?
• Are you still having fun at work?
• Will it allow you to spend more time with your family?
• Are you spending enough time with people who are important to you?
• How can you maintain your health?
• Do you have the time and the resources to entertain and travel?
• What places do you want to visit in the next two to three years?
• How much money do you want to make?
• Does your current employment support your income goals?
• How much do you need to save for your later years?
• Are you giving back to your community?
• Where do you want to live?
• Are you continually developing and improving your relationship?

These questions will give you some starting points to think about as you begin developing your plan for 2010. Of course, Life Plans can be more complex, and if you would like to develop a more intense life plan, you might need to seek out a Professional Coach.

ABOUT THE AUTHOR:
Guest columnist Rebecca Love Williams, principal of Williams Business Solutions, is an experienced professional coach and human resources  consultant. She regularly coaches her clients through a process to help them achieve their life and professional goals, including an emphasis on life planning strategies. Williams is based in Evanston, Ill., and serves individuals and businesses nationwide.