The Successful Person: Top 10 Ways for Reaching ‘SUCCESS’ Part II

This is a continuation of the Top 10 Ways for Reaching ‘SUCCESS’ series.  Please check out my first article if you did not do so already.  If you have already read Part I, please continue on to Part II…

#7—Engage in philanthropy

Wealthy individuals often engage in philanthropy.  This act of charity not only helps other people, but it makes the giver feel better about themselves with the knowledge that they are making the world a better place.  The notions of ‘good will’, ‘karma’ and other epithets that describe altruistic behavior all center around helping other people in order to feel good about oneself.  While people often feel philanthropy is reserved for wealthy individuals, the fact is anyone can engage in charitable causes.  In order to be successful, you should also be giving something back to the community too, whether it be money, time or a service.

#6—Have a written retainer agreement for any service you provide

If you provide a service, or will someday provide a service for clients, always have a written retainer agreement before you perform any work for that person.  If it is someone in your network, you can give that person a discounted rate, but you should never work for free, unless it is for a charitable cause or you do not need the money (see tip #7).  The fact is there are many people out there who will want to use your talents at no cost to them.  Do not be persuaded if someone says they will pay you later—always ask for a percentage of the overall fee before you begin your work.  If it is a long-term project, divide up the fee in stages.  This will save you heartache and frustration in case the person decides not to pay at any stage of the work.  If you are in a profession that has ethical rules (such as law) it can get a bit more complicated, but this rule still applies at the onset of every case an attorney takes on.

Warning: if a potential client says they do not have the money to pay you (and you really need the money), then feel free to move on to someone else.  There are plenty of fish in the sea and you are entitled to being compensated for your work at all times.

#5—Write for blogs and other publications

There are no exceptions: writing makes us immortal.  It is how we are remembered when we are gone.  Many individuals become successful because they write about a certain topic and become experts in that field.  Whether the topic is about chemistry, fishing or music, the pen is one of the best ways to advertise your talent and skill.  Remember: writing and expressing your opinion takes courage.  Even though we live in a democracy, your opinion can be criticized and attacked in the most vicious of ways.  It is still important to express yourself and make your voice known to the world.

#4—Have mentors

Having mentors is extremely important.  While this tip goes hand in hand with networking, mentorship is slightly different.  When you network, many of your contacts may be casual acquaintances or colleagues of mutual friends.  A mentor is a more personalized relationship who can offer advice and guidance to their mentee.   Usually, the mentor is more established in a certain field.  Even if you are considered an ‘expert’, it is still important to develop mentor relationships with other people.

#3—Network, network, network!

I can’t stress networking enough.  The people you associate with are often the determining factor to whether you will succeed in your given field.  If you associate with the wrong people, they will influence your behavior, your personality and even your thought process.  It is imperative, therefore, that you become friendly with not only the individuals who are successful, but to know the individuals who are more successful than you are.

Remember this: no matter what stage of life you are in, it is always crucial to expand your network.  The more people you know, the more opportunities you will have.  Your network will have an impact on your job title, your social status and even your self esteem!  People often find their mate through their mutual friends, too.  With facebook, LinkedIn and a multitude of other social media websites, networking is easier than ever.

Check back for next week’s article featuring the top two most important tips.

Andrew Bruskin was president of The National Society of Collegiate Scholars’ National Leadership Council from 2007-2008 and has been president of its Alumni Advisory Board since 2010.  He is chairman of the board of directors of Ecnaillá Groupe and will be working for a law firm in New York City upon graduating William & Mary Law School. For questions or comments, he can be reached at andrew.bruskin@gmail.com and, of course, on Facebook.

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Categories: biz geek, campus geek

The Successful Person: Top 10 Ways for Reaching ‘SUCCESS’ Part I

This post is the first of a three part series. Check back next Monday for Part II.

The notion of ‘success’ is universal in all people.  We all have the desire to succeed; the thought of being unsuccessful is generally unacceptable to us.  We all want to be respected and have our voices heard.  While this article is mainly for students, these tips are equally important for alumni too.  Some tips are pertinent towards establishing and maintaining a career, while others can be used for dating, relationships and family.  Above all, most are interconnected with each other.

While ‘success’ can be measured differently for everyone, there is a general definition of what ‘success’ is.  Success is when a person reaches their personal goal(s) and are content with who they are as a person.  You do not have to be financially wealthy or famous to be successful. Some may be successful if they start a family, while others may find success if they receive a college education, engage in volunteer work or start and grow a business.  Above all, no one can tell you what success is.  Because of how fluid the word ‘success’ is, not all tips may be important for you, but all tips are universally important to people collectively.

The reader should be able to use these tips to not only lead better lives, but to help other people lead better lives in the process too.

#10—Have patience

I start with this tip because patience lays the foundation of success.  While it is true that patience is a virtue, it is also a requisite if you want to become successful.  While patience is a necessity, it is also crucial that a person be able to control their emotions—especially anger—if they want to succeed in life and maintain healthy relationships with other people. For most people, success is not something that develops overnight.  The same rings true for successful friendships, marriages and successful workplaces.

Remember this: we live in a world where people need other people to become successful.  Interdependence, not independence, is the benchmark for success.  Because of this, you will need to master your emotions and develop patience when dealing with other people.

#9—Have courage and take calculated risks

Courage is a quality people are not born with, but are taught.  Both courage and risk taking, however, are qualities that set the successful person apart from the rest of the pack.  When I say ‘risk taking’, I do not mean ‘foolhardiness.’  People often confuse the two and lump them both together.  Neither do I mean a person should engage in risks that will result in grievous physical, financial or emotional harm.  This is why all risks should be calculated based on the potential loss and gain of such a venture. Questions that people may ask themselves when an opportunity comes along include: “should I invest some of my money and start a business or continue with my day job?”  “Should I run for political office or wait a few more years?”  Making the right decision is often crucial.

Remember this:  life is short and opportunities are few.  We only have a limited amount of time to implement our goals and we may not receive another chance.

#8—There is no such thing as easy money

One of the dangers with having a large network is that you do not know everyone who is inside it.  In the past, I have been approached by people who claim they were influential and could “make me rich quick.”  In fact, these “get rich quick schemes” are all over the internet.  Starting a home business and making $40,000 in the first month seem to be more popular than ever, or so these advertisements say.

The fact of the matter is there is no such thing as making “easy money.”  If you fall for this illusion, you will open yourself up to con artists and other scammers who will not only waste your valuable time, but will also run off with your money.  This does not mean you should stop networking (you should never stop networking), but to learn this lesson and never be persuaded when someone says you can get easy money.

Please check back, as we will continue this countdown in Parts II and III!

Andrew Bruskin was president of The National Society of Collegiate Scholars’ National Leadership Council from 2007-2008 and has been president of its Alumni Advisory Board since 2010.  He is chairman of the board of directors of Ecnaillá Groupe and will be working for a law firm in New York City upon graduating William & Mary Law School. For questions or comments, he can be reached at andrew.bruskin@gmail.com and, of course, on Facebook.

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Categories: biz geek, campus geek

When Your Personal Life Gets in the Way of Work – Q & A with Christine

Dear Christine,

“I can’t seem to concentrate at work. I’m going through a break-up, fighting with my roommate, and at odds with my parents. I feel totally overwhelmed, like one of those cartoon characters when steam starts coming out of its ears. I need some space, some time, but what about work? Can I take a personal day or should I just suck it up and go on? I don’t want to be seen as a slacker, especially since it seems everyone at my company pushes the fifty hour work week barrier. How do I stay professionally focused and still juggle everything I’m going through?!”

~ Personally Distracted Professional, 24, San Francisco

Dear Personally Distracted Professional,

Believe me, I understand. When there is upset or chaos in our personal life it can be challenging to focus on work – or really anything at all. You are experiencing what many of us can relate to: work-life balance feeling more like a balancing act than a sustainable possibility. At the same time, maintaining your professionalism at work and performing well is critical to your career success. You can’t afford to spend another day distracted and emotionally over-burdened at work.

First step: be present. When you are at work really BE at work. If your mind wanders to your personal life, bring your awareness and attention back to what you are doing or need to do in your professional life. Stop checking your personal email account, turn off your IM and your cell phone. Channel your frustrations into your work. Redirect stress in your personal life into productivity in your professional life.

That said, it is critical to make time to deal with the issues affecting your heart and your head and not to lose yourself in your work. The more you push yourself at work to avoid dealing with your feelings and/or to keep up with the office status quo, the faster your overall well-being starts to drain away. So what do you do?

Sucking it up isn’t the way to go as things will just continue to suck at home and at work. Right now seems like a good time for you to put yourself first and take a day off. You are going to be far more valuable to your company if you take a day to refuel rather than going in completely distracted. Smart companies recognize the value in giving employees time to attend to personal matters. In fact, a company in Japan gives employees “heartache” leave when going through a break-up or divorce. The older you are the more days you get off as they figure it takes longer to recover from heartbreak when you’re older. Will American companies catch on to this idea? It certainly may curtail bringing personal drama into the office; however, will it inspire more calling in to the boss with “I got dumped” excuses? But I digress, back to you…

Discuss taking a personal day with your boss. You do not have to give specifics for why other than, “I have some personal things to attend to that require me taking a day off.” Many employees, women in particular, tend to compulsively apologize and explain. Going into the dramatics of your personal life is inappropriate to do with your boss – especially if you are on the verge of tears. Assure him/her that you will attend to anything that is urgent, and if appropriate, see if someone can cover your workload for the day. Then set your “I will be out of office today and returning emails tomorrow” email response, and for at least one whole day totally check out from work.

But don’t slack off on your personal day – it’s not a vacation! Use it to attend to your personal issues, not just as a day to catch up on errands and TiVo. Make an appointment with your counselor or life coach if you have one, spend time with a friend or mentor and do things that support you in dealing with your emotions so you can be more focused at work. Make the day one of closure with your ex. If you still are in communication, it’s time to cut it off – completely. It’s harder to heal and move on from a break-up if you are still in a relationship, and any kind of communication of any kind means you are still relating!

Going forward, schedule some “me time” into your days to help you feel more balanced. Maybe it’s journaling in the morning or going to a yoga class three times a week. Build in structured time in your schedule to deal with the things in your life that do not belong in your work day.

Life is indeed a balance of dealing with the normal day in and day out “to-do’s” with the curveballs that get thrown our way. As tempting as it is to dodge the curveballs, it’s more empowering to deal with them head-on in a healthy way. But it is also our responsibility to attend to our personal matters outside of the office so that when we are on the clock, we can be focused and productive.

~ Christine

Christine Hassler supports individuals in discovering the answers to the questions: “Who Am I, What do I want, and How do I get it?” She is a Life Coach with a counseling emphasis specializing in relationships, career, finances, self-identity, personal and spiritual growth. Her expertise is centered on the twenty and early thirty something years of life.

Christine has authored two books: Twenty-Something, Twenty-Everything: A Quarter-life Woman’s Guide to Balance and Direction and The Twenty-Something Manifesto. As a professional speaker, Christine leads seminars and workshops to audiences around the country. She has spoken to over 10,000 college students as well as to conferences and corporations about generational diversity. Christine has appeared as an expert on The Today Show, CNN, ABC, CBS, FOX, E!, Style and PBS, as well as various local television and radio shows, speaking about life issues and “Expectation Hangovers®” – a phenomenon she identified and trademarked.

Christine is the spokesperson for Zync from American Express and the key resource for their Quarterlife Program, which empowers young people to take control of their finances. She also created a life balance curriculum for the Leadership Institute and is a member of Northwestern University’s Council of 100. Beginning this fall, Christine will serve on the faculty of the University of Santa Monica.

Christine grew up in Dallas, graduated cum laude from Northwestern University and received her Masters Degree in Psychology from the University of Santa Monica.

You can connect with Christine on Facebook, through Twitter or at her website.

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Categories: biz geek

Tips for 20-something Job Seekers


Today’s generation of young adults are especially challenged in getting their careers off the ground as they face high unemployment rates and a bleak job market. According to recent census data, employment among young adults ages 16-29 stood at 55.3 percent, down from 67.3 percent in 2000 and the lowest since the end of World War II. This is troubling news for 20-somethings who find themselves under or unemployed and at a loss for how to change things.

As a result, staggering numbers of 20-somethings are moving home with mom and dad and/or remaining financially dependent on their parents. The obstacles to employment and the inability to generate financial momentum are also delaying adult milestones like getting married, buying homes and having children.

A new Millennial Career study conducted online for American Express by Harris Interactive, reveals that two-thirds (68 percent) of recent grads and students are not working or working at a job that is not in their field. Additionally, almost half (47 percent) are receiving financial assistance from their parents. The study also revealed that hiring managers are placing more emphasis on soft skills like communication, critical thinking, and overall professionalism. Today’s 20-somethings need to think beyond just their resume for ways to stand out to potential employers and compete in this challenging job market. Here are a few tips for job seekers to keep in mind based on the key findings from the survey:

Act like a professional even if you don’t have a job
. Hiring pros point to professionalism and emotional maturity as skills recent graduates are lacking, so do not wait until you are hired to start acting like a polished, mature professional! Monitor your online and social networking behavior just like you would if you had a boss that could Google you at any moment. Dress and conduct yourself in a professional manner everywhere you go because you never know whom you’ll meet. Triple proofread everything you send out, from cover letters to emails to thank you notes — even Facebook status updates and tweets. Develop an “elevator pitch” that is a 30-second snapshot of your interests, experience and career goals. Practice your introduction, elevator pitch and handshake with a seasoned professional. The more you act like a professional when you are looking for a job, the more likely you are going to be seen as one.

Don’t regress during the recession. Stop using the economy and job market as a scapegoat for stagnation and continue developing yourself personally and professionally. Fill your time and become more attractive to employers by furthering your education, obtaining certifications, or enrolling in specialized training programs. Take advantage of FREE online tools such as 10-day online financial and career bootcamp programs which cover a range of topics from setting career and financial goals to learning communication, networking and salary negotiation skills. The free Build Your Career and Take Control of Your Finances bootcamps are available at s. Instead of spending money on personal things, invest in professional things that make you smarter, skilled, and more self-aware. You are your best investment right now and far more valuable than the latest gadget or a new pair of shoes. Additionally, hiring pros report that communication skills, emotional maturity and a good attitude top the list of what makes a candidate attractive; consider enrolling in writing or speaking classes to improve your communication skills and/or explore working with a life coach or counselor to work through any issues impacting your overall attitude.

Treat finding a job like a job. Structure is an extremely important component in the job search. If you do not have a system in place for researching, networking and following up during your job search, you are missing an opportunity to develop your work ethic and organizational skills. Set aside a designated period of time each day to search for jobs, make phone calls, network online, write cover letters, conduct informational interviews, etc. Make yourself accountable to show up for yourself just like you would be accountable to show up for a job. Commit to a productivity ritual and practice it for at least 30 days in a row, as it takes that long for a practice to become a habit. Practice creates productivity, and productivity produces results. Research free and easy-to-use online tools that can support you in being more productive anytime, anywhere.

Avoid tunnel vision. There are various ways to work and network in your desired field before you are hired. If you cannot get a job in your chosen field, pursue intern or volunteer opportunities related to your field. Very often the types of opportunities and hands-on experience you can obtain at a non-profit organization or start-up are not available at entry or even mid-level jobs. Do not overlook the value of interning or volunteering because when looking at resumes, the majority of hiring pros believe any related hands on experience is very important. According to the Millennial Career survey commissioned by American Express, more than 60% of recent grads have not looked outside their field of study for work. Being open to applying for jobs outside of your chosen field is a good idea, as any experience you get is going to be useful in building career momentum and will prevent you from having huge gaps on your resume. In addition to looking outside your desired field for jobs, look beyond your zip code. Research cities where the economy is on the rise or major corporations are based-staying close to home may not be the most secure choice during this time.

Learn how to network effectively. Set a “wish list” of people you’d like to meet, and take steps to connect with them. Use online connections like Linked In and Facebook to find mutual friends, and ask for an introduction rather than relying on a cold connection request. If you request a connection without an introduction, be sure to personalize it; do not send an empty or template request such as LinkedIn’s “I’d like to add you to my professional network.” It is also an extremely valuable networking technique to pursue informational interviews. Research individuals with whom you’d like to speak to in various fields, and send them an email or letter requesting 15 minutes of their time to ask them about their career path. Be sure to mention you are NOT asking for a job. Remember that people love to talk about themselves, so in the interview, keep the focus on them, not you! If they ask about you, always be ready with your well-rehearsed and authentic elevator pitch. After you’ve established a connection, put a monthly reminder on your calendar to follow-up with them in some way to keep the relationship going. For instance, send an email sharing an article that would be of interest to them or quick update on any new experiences you have had. Finally, in-the-moment reminders create lasting networking ability, so whenever you receive a business card from someone, immediately take a minute to jot down notes on the back that will remind you of where and how you met the person and any topics you discussed that you can refer to when you follow up. Don’t assume you will remember!

Personality and passion counts. The fact that hiring pros from the American Express Millennial Career survey say that personality counts almost twice as much as a candidate’s skill set is good news for those who say your biggest challenge is not having enough work experience. Highlight your interests and passions, and let your personality come through in an interview. To deal with the “lack of experience” roadblock, demonstrate that you have experience and measured results in SOMETHING. For example, if you are going in for an interview or writing a cover letter where you cannot cite or show a lot of specifically related experience, show and itemize how you have progressed at a hobby or skill set. Brainstorm ways to “sell” yourself as a capable, innovative, self-motivated learner who can create things.

Break your social media habit. Half of hiring pros in the survey report that social media has improved recent grads ability to think out of the box, but has deteriorated writing skills, ability to focus on a task, and verbal communication skills. Additionally, spending a lot of time online can be extremely distracting. Consider limiting the time you spend on social media sites like Facebook to less than one hour per day to maximize the time you spend doing more productive things. Set designated times during the day where you can surf and use social media for social reasons so you can focus on particular tasks at all other times.

Don’t fear failure or underemployment. Successful people report they learn more from their failures than their successes. Don’t let your qualifications or concerns stop you from applying for a job or networking with someone. Many job requirements are preferred but not necessarily mandatory if you fit the description in many other ways. Unless a requirement is stated as a “must have,” don’t be discouraged if you don’t meet all the requirements; apply anyway! Also if you find yourself applying for jobs you feel overqualified for, cut yourself some slack. In this market many people feel like they are happy to get a job, any job. Or perhaps you are moving into a different field and are beginning at a very entry-level position. Trust that every opportunity is a step to the next, even if it feels beneath you at the time. When you are interviewing for jobs you may be over-qualified for, be sure to keep an enthusiastic (but not desperate) attitude. Clearly explain that at this stage in your career, having a job is the most important thing or that you want to move into a different field and know that starting at a lower level is a requirement.

Perfect your resume and cover letter. The competition for jobs has made it even more important to stand out and make a great impression every step of the way. The days of mass submitting the same resume and cover letter are over. Tailor every cover letter to the job you are applying for. Mention something specific about the organization that you respect or recently learned about. Talk about how you would fit with the company rather than stating that you would like to learn something from them. In terms of your resume, don’t bother with listing an “objective” on the top of your resume. Opt for a “qualifications summary” instead, and don’t feel like you have to list everything you’ve done – think quality not quantity. When writing your bullet points, describe results and action items rather than summarizing your responsibilities. And have at least three people proofread your resume and cover letter. If you cannot get someone to do it, read it slowly out loud as you are more likely to catch errors that way.

Ace your interviews. Since hiring pros report professionalism and personality are key aspects of whether you get the job, acing an interview is a key ingredient to getting hired. Remember that you are being observed from the moment you step into the building. Be nice to everyone from the parking attendant to the assistant. It’s crucial to be on time but not too early; often employers get annoyed if you are lingering there too soon, so wait in your car if you have to. Have a list of questions prepared that you can ask about the company or the job you are applying for, and be sure to turn OFF your cell phone before you even walk in the building. Keep an enthusiastic and positive attitude, don’t come across as too eager or discuss the difficulty of the job market.

Christine Hassler supports individuals in discovering the answers to the questions: “Who Am I, What do I want, and How do I get it?” She is a Life Coach with a counseling emphasis specializing in relationships, career, finances, self-identity, personal and spiritual growth. Her expertise is centered on the twenty and early thirty something years of life.

Christine has authored two books: Twenty-Something, Twenty-Everything: A Quarter-life Woman’s Guide to Balance and Direction and The Twenty-Something Manifesto. As a professional speaker, Christine leads seminars and workshops to audiences around the country. She has spoken to over 10,000 college students as well as to conferences and corporations about generational diversity. Christine has appeared as an expert on The Today Show, CNN, ABC, CBS, FOX, E!, Style and PBS, as well as various local television and radio shows, speaking about life issues and “Expectation Hangovers®” – a phenomenon she identified and trademarked.

Christine is the spokesperson for Zync from American Express and the key resource for their Quarterlife Program, which empowers young people to take control of their finances. She also created a life balance curriculum for the Leadership Institute and is a member of Northwestern University’s Council of 100. Beginning this fall, Christine will serve on the faculty of the University of Santa Monica.

Christine grew up in Dallas, graduated cum laude from Northwestern University and received her Masters Degree in Psychology from the University of Santa Monica.

You can connect with Christine on Facebook, through Twitter or at her website.

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Categories: biz geek, campus geek

Be Smart With Your Money: Develop Good Habits, Part III

This post is the third in a series about developing good habits with money.

In the first two posts of this series we discussed reducing your reliance on a credit card and how to begin saving regularly.

The next step for college students is to manage your spending while increasing your savings. Even in college, you don’t want to get in the habit of relying on a month-to-month paycheck to pay your bills. That’s why managing savings is one of the most difficult things for college students.

You have daily expenses, bills to pay each month, and loans looming on the horizon. Those seem like priorities that you can’t forgo. But the fact remains: starting to save money earlier is better for your future. So how do you begin?

Develop a habit.

Good Habits: Make your money work for you; only spend what you have already saved.
What does this mean?

There’s a little tip that I read from a personal finance blog (passionsaving.com) called the Multiply-by-25 rule. The story comes from personal finance journalist Rob Bennett’s entry How To Start Saving Money. Bennett says that the idea of the rule is to, “diminish your reliance on a paycheck.”
Bennett’s post on the Multiply-by-25 rule gives great insight into the saving process. It’s a rule that college students in particular can take to heart.

The Multiply-by-25 Rule: Multiply any expense by 25; that number is what you need to have in savings in order to afford the expense. Why? The dollar amount in your savings account will earn interest over time. Multiplying an expense by 25 will ensure that the interest you make from your savings will cover that expense.

Bennett uses the example of magazine subscriptions to illustrate his point: to be able to afford a $40 per year magazine subscription, you’ll nee to have $1000 in savings. The interested you earn on that savings will cover the cost of the magazine subscription.

The scale of the rule is daunting. But Bennett addresses the issues in writing, “Telling someone struggling to save her first dollar that she needs to save $1 million or $2 million is like telling her that she needs to learn how to fly to the moon.”

Agreed. That is scary. But the goal of smart personal finance is developing good habits.

So where do you start? Begin by giving yourself a gift each month: put away a certain percentage of your paycheck before you pay any bills. Of course you’ll need to do some research on what is the best savings account for you. But once you start saving, that money can start covering your costs, and you won’t have to rely on a month-to-month paycheck.

Forming the Perfect Team

In the end savings is a team effort!

If you want to effectively save then you’re going to need a great coach. And when I say coach I mean bank. Yes, your bank is a vital player on team you, so make sure to do your research and find I solid team member.

I’ve selected some of the best banks for you to consider. Start your search with these, but don’t stop with the banks listed below. Exploring numerous options will only increase your chances of finding the perfect teammate.

I hope you enjoyed this series on forming good habits!

This article was a collaboration between Thomas Samph and Kyle Espinola.  Thomas is a recent Graduate of Boston University and Kyle is a senior at the University of California, Santa Barbara. Both Thomas and Kyle work for FindTheBest.com, an unbiased data-driven comparison designed to help you find information of anything from New York City Property to Industry Salaries.

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Categories: biz geek