Internal Crisis

After years of trying hard to build a career, should have obtained satisfaction. But the opposite happened; tired, defeated, and though losing identity because it was too absorbed in work. Ever feel like that? Well, you're not alone.

Such feelings arise when you're trying too hard, ignoring the physical and psychological conditions. This is a saturation point, but should not be discouraged, because when you have successfully passed this point, many other opportunities will open.
Previously, recognize the first few issues that trigger an internal crisis, and was soon overcome in order to continue and result in not getting worse.

1. Health Issues
Stress, fatigue, will trigger a variety of health problems. From now on, pay attention to your physical condition, and run a healthy lifestyle.

2. Began to lose 'voice'
As already saturated, you no longer have voiced a desire to participate, discuss, and express your ideas. Never fear of being rejected, criticized, or ridiculed for all your thoughts. Convey only. That way, you will still be 'alive' and engage in field work which you lead.

3. Underestimated
Always regarded as the 'underdog', will also make you tired and tend to prefer quiet. When this happens, strengthen your heart, and say to yourself, "I can rely!".

4. Stuck financial problems
No matter how money you can, but if it has managed well, will flow through it alone. From now on, set your financial flow, determine the scale of priorities: which needs, in which the desire.

5. Failed to balance career and family
When you feel tired, do not force myself to do everything myself, Ask other family members, or anyone else to help you.

Forerunner 10 Job Interview You Do not Walk Fine

Interview process is a process full of uncertainty for people looking for work, and power in the hands of the interviewer. Sometimes you do not know when the interview will go well. At other times, you're so nervous you are even hard to see that companies are actually not suitable for you. Please check the 10 warning signs you should look at the job interview:

1. You dominate conversations
People seeking employment should not dominate the conversation more than 40 percent. Sometimes, being too eager to show that they are the best candidates for the job, they often dominate the conversation with the statement that incessantly. If you continue to speak, when the interview might run out before all the questions asked.

2. View of the interviewer lead to hours, not to you
Currently undergoing an interview, be an active observer. Consider your job interviewer's body language. If his views easily distracted passers-by, or not focusing on you, this could be a sign that the interviewer does not want to continue this interview to the next stage. If this happens, try to ask the interviewer whether the answers you provided has answered the question that he uttered. Or ask also whether you can offer any other information about yourself as required.

3. The interviewer to answer the phone in the middle of a job interview
A job interviewer should treat you as he would be treated. When she picked up her cell phone in the middle of a job interview without telling why it is important to you, then he could be difficult to appreciate others. Ask yourself, can work with people who can’t give full attention for a short time, or with people who do not have the decency to communicate.

4. Job interview goes something like testing the strength
Consider whether your job interview goes something like testing the strength? How long have you been in the interview room? For hours without Asked whether they want to use the toilet or a glass of water? Well, that question again to your-self, if I could stand working in this company, even for a job interview alone is no fun like that.

5. Nobody wants to work here
A question often asked by people forget is interviewed, the reason why the job was suddenly available. Or, in order to impress as you focus on the future of the company, ask where the employees who previously worked in the position you seek. If the person who interviewed you complain that people who had occupied the position you're going to work only briefly, should question why so fast exchange of personnel there.

6. You kind of fill in the questionnaire, no interviews
When a job interview when the interviewer asked only basic questions, such as a questionnaire, you should start giving something that could make them more interested and remember you. Try to give answers as he explained the reasons for these answers.

7. Not friendly with other parts
Starting a job interview you set foot in the location of the job interview, so do not save your best behavior, only to people interviewed. You should now be polite and friendly to everyone, including the person who answered the door, as well as people who greet you at the reception desk.

8. You spend 10 minutes complaining about your last boss.
Anything that ever happen never spoken ill of the words of former co-worker or your former employer, even when the interviewer tried to get that information, You should take the safest measures. Because you never know who knows someone who knows a lot of people interviewing you.

9. His company was experiencing financial problems
If you hear a rumor news that the company you're going to have problems with finances, whether it's because the condition of the company or because of something else, you should reconsider your choice.

10. Employment interviewer break a promise
There are some interviewers will ask you to do something, but instead did the opposite. For example, you are given a timetable in the interview, then again in weeks not been heard from, then you shall come to wonder, and must strive to return known by him.

The Results Of Job Interview

No need to wait long to find you a job interview or fail. You can judge for several seconds after the interview. Here are some signs that the interview managed or should be forgotten.

1. Good sign:
a. Active ask your interviewer, this shows he is very interested in you and want to know more about you.
b. The interview lasted a long time, more than 30 minutes.
c. The atmosphere of the interview is very liquid. The interviewer seemed very relaxed. Questions not only about work, but also a hobby and so forth. This indicates there is chemistry between you and the interviewer.
d. The interviewer immediately asked your readiness to join them.

2. Bad marks:
a. The interview lasted only a few minutes. This shows you are not what they are looking.
b. An interviewer's body language showed lackluster attitude, full of doubt, which is shown by the movements of scratching his nose, his eyes were not staring at you, and so forth.

Financial discuss with Couples

Financial problems can begin even before the pledge as lively pin come to unite you and the him, Cost wedding can be like a small hole between you and he can only widen as you and he had a relationship.

Financial experts agree that financial issues couples should be discussed seriously and when they get the same words and vision, is equally committed to each other to run it.

Here are suggestions that can be done by couples who have financial problems between them:

1. Lower the pride and emotion. Be honest with your partner about the situation and financial condition to you. If something bad happens, and you or he's lost revenues or savings, then continue the same lifestyle before the event is something that is not realistic. Therefore, it is important to know the condition of each financial partner.

2. Do not try to solve problems in the midst of a fierce fight. Set aside a convenient time and no risk to you and your partner together in order to open the hearts and minds discuss this issue.

3. Learn your partner's financial types. Is he the type or types of shoppers savers. When each had known this, it will be easier to manage finances and learn each other their respective tendencies.

4. Do not hide income or any debt. Remove all financial documents, including credit reports, pending payment, insurance policies, debt, investment documents to the table as well.

5. We want to ask or say something, try not painful in the sentence. Do not accuse and do not blame.

6. If necessary, create one joint account for shared purposes, the purposes of family and home.

7. Decide who is responsible to pay monthly bills.

8. We all have hobbies and preferences are no doubt, need money. It is important to you and the individual he has the money to do things he likes, provided useful. Decide also whether the use of such an allowance should be reported to a partner or not.

9. Talk about short-term financial goals and long term. Is a good thing to have individual goals, but you also need a family financial goals as well, you know.

10. Do not forget to talk about their own parents pay as they enter the age he continued, and financial planning for their financial needs, if required.

Choosing Life Insurance Sharia More Profitable?

Financial transactions according to Islamic principles to bring a sense of security for some people, this gap which then spawned many Islamic products, including life insurance, not just safe, Islamic insurance also has other more value.

Participants will get sharia insurance surplus at the end of the year can be agreed will be distributed in cash or into the next premium.

Losses were shared equally among participants. Though in its development, the company provides interest-free loans to cover losses while premiums collected again until later.

In 1 - 2 years, the life insurance sector grew rapidly, Insurance companies that provide these products as well seriously growing. However it should be noted feature of Islamic insurance products. The main character is located on the legalization of the policy.

Islamic life insurance do not transfer risk to insurance companies. Risk borne by the participants, In this case the insurance company managing it and not take risks. While in conventional insurance, the participants transferred to the insurance company. According to Islamic principles, the system is not justified.

If the development is not a lot of claims, the risk is collect the insurance company will be benefited. Meanwhile, if the poor performance, companies raise capital to pay claims, it is explained that there are about opposite conventional insurance principles of sharia.

Mark up Resume Doing, What risk?

At the time of competition in the world of work today increasingly stringent, often we meet people who mark up the list of his memoirs.

Whether it's in terms of mentioning his skill, education, tenure, or the most common is his salary. This was done to make them-selves more attractive in the eyes of prospective employers.

Sell yourself, or do marketing for yourself, is a must. However promote yourself does not mean you should commit fraud in a resume, or saying something that does not match reality when the interview. When you do this, you actually increase the risk of your fate will be next.

"Checking the background of a person very easy to do now, it's very open on the internet," said Dennis Nason, CEO of recruitment firm of Nason & Nason. Moreover, many employers and recruiters hire providers whose job it is to check a person background.

Raising the facts on a resume is also risky, especially in formal jobs being advertised in all types of media. By Brad Karsh, president and founder JobBound.com, every lie is revealed will damage the reputation of the job seeker in the world of work later, For example, a job seeker who was so clever to sell himself during the interview, after the accepted work will definitely be showing the actual ability. Be seen whether he's just smart talk, or actually working.


Tell me the Truth
According to Forbes.com, some lies that are often shown in a resume, among others: education, employment dates, title, and technical capabilities, Cheating in mentioning these things which will cause problems, because the internet has made us more easily uncover a person claims about his education, for example.

Dennis Nason also said that recruitment firms like his are now not just a background check on job seekers through a list of references given, but also to locate and contact co-workers or colleagues via LinkedIn. You may already have an account here too, the social networking site specifically for the working world.

People think they can beautify the details about the company that has been sold, or bankrupt. But LinkedIn, Facebook, and our extensive network will perform quick steps to change back the background (job seekers) according to our will.

Even if employers do not lie hurried to find you, when you have worked, cheating will haunt you. You can directly threatened layoffs if it reveals facts that are not true, according to Nason. You can also get black list when you are working in companies which are interrelated. Two examples are the easiest in the bank, and the media. Some companies will also conduct an audit of its new employees. Or your background will be checked when you submit your campaign.

What's Up When Being Right Position?

Promotion means the movement from one position to another position which has the status and higher responsibility.

Well, it's usually the move into higher positions will be accompanied with the increase in salaries / wages and other, although not always the case. What can you do to deal with it?

1. Negotiations with authorities
To negotiate on your promotion package, to know exactly with whom negotiations should be conducted, you may have the authority to negotiate salaries to a certain range. However, it may also doesn’t know have such authority, especially if the company's budget has been set in the regulations of the company by default.

For that, you can also consult the relevant authorities in the Human Resources department at company about the possibility of negotiating. If the company regulations regarding the promotion and benefits are so raw, usually employees asked to accept a package that had been determined. However, there is no harm in your proposed adjustments, with the understanding that the result does not come your way in the near term.

Companies usually have their own period in review the salary structure, allowances and adjustments to the facility, which is done every few years. You can also propose to six months in advance, with consideration supervisor will review your performance and job performance.

2. Before Conducting Negotiations
You also need to be sensitive to the situation at the company today. If the company is experiencing financial crises and in situations of downsizing, it would be wiser if there’s waited for a moment that desire. Postpone it until a more appropriate moment comes. Conversely, if you work in big companies that are currently being expansive and growing, you can start negotiating salary increases, facilities and benefits that are expected to be more free.

Actually, it all depends on the condition of the company. However, there are some aspects of negotiation that you can consider, among other basic salary, facilities / benefits, and compensation.

Basic salary in a company has been prepared based on hierarchy and levels of rank. In general, a job that requires more severe conditions arranged in a hierarchy of higher salaries and greater benefits. Employees who have a higher competency given class rank higher because it is considered capable of running the office or to perform the job with more severe conditions. Therefore, it should also be considered if the employee is to receive greater benefits in accordance responsibility.

3. Allowances and Facilities
Appropriate conditions of a company, you can also look at types of benefits and facilities that typically are offered, such as allowances or allowances structural position of functional position; transport allowance and meal allowance, housing allowance, child support (family), and vehicle or home loan.

Notice also that the compensation offered, among others, in the form of health insurance, life insurance, accident insurance, especially for employees who frequently travel or high-risk jobs. You also could consider other bids, such as facilities on leave, pension costs, profit sharing, stock options, training, and specific education.

If the packages offered do not meet your expectations, consider other factors, namely the extent to which you get the "comfort" in the company over the years, such as work atmosphere, career and reputation, and corporate culture.

Select Insurance Savings Education or Education?

You and your wife are a young couple, only 1 million a month income, and just having a child are 1.5 - 2 years. Well, where should you choose, insurance or savings? If possible can only be saved, how much money should you set aside each month?

Actually, just the same, Insurance education or education savings to have the same characteristics, In addition to its investment decision can be customized with your child's school schedule, they both provide protection functions. That is, the availability of funding your children's education will remain secure despite the risk of death to happen to you.

In particular, education insurance is insurance that offers two usability (endowment) the function of protection and investment, so Protective functions will bear the risk of death over you, by promising a certain amount of money if you experience death. It's just a given sum assured is usually adjusted for the cost of your child's education and have been agreed in the policy.

As an investment, this insurance will manage and invest part of premium you pay. Instead of managing your money, the insurance company will provide a large number of funds have been agreed in the policy. When payment was already scheduled, it is time to match your child's school.

Meanwhile, education savings accounts are savings products from the bank. This product has characteristics similar to insurance education. With this type of savings account, you will save a certain amount of money regularly.

The amount of monthly saving were calculated from the education fund that will target you take, the future, and to ensure the availability of educational funds, the bank has worked with several insurance companies that will guarantee your deposit despite the risk of death.

Instead, the money you'll need to set aside a monthly savings associated with the size of your needs in the future. To fund your children's education, for example, you must first calculate the amount of funds you need, and time of use.

After that, calculate the amount of money should you tube. While for its reserve fund, you also have to prepare another savings account until the amount with multiples approximately between 5 to 15 times your salary.

Presumably, not ban them to save for a young couple on low incomes. However we recommend you do not need too much force my-self to have as soon as funds for education and fund reserves. Make your money-management perspective. As a result, set aside money by saving money can still be achieved without sacrificing other interests at this time.

Protect Credit Card from Fraud

Carding or counterfeit credit card to be one part of crime motivated Internet economy, Technological sophistication and omissions giving users the carding gap, Carding just one practice underground economy, the mode of economic crimes committed by illegal attacker.

This attacker is not even the internet or IT expert, and could be a newbie who is practicing a free software module traded and user friendly. Carding is done by several modes, namely:

1. Breaking into the bank database. With specific technical expertise, attackers broke into the bank database. Bank customers' credit card numbers obtained from this method.

2. Skimming, put simply, skimming is the magnetic card data make copy illegally, by using a magnetic card reader device.

3. Merchant transaction. Attacker to read and could have been recording with the camera, three points behind on your credit card. This figure represents the code Verivication Card Value (CVV) of your credit card, a transaction will only be successful if the cashier enter this three digit number.

Credit card user carelessness allows an attacker in launching the action. Consider the following ways to protect credit card carding mode:

1. Recognize and be aware of carding mode
As described above, there are a number of carding mode. Credit card users need to be more vigilant when making transaction merchants. Make sure your credit card is not visible to others when going to swipe it. Attacker could exist around you, and work in teams. As one of the actors to draw your attention, the other players observe the CVV code on back of credit cards. It takes just few seconds to remember three numbers.

2. Cover with tape CVV code,
A simple way to do in CVV code is covered with tape. These help protect the credit card of target players carding.

3. Do not store passwords or account numbers in your phone
Data Information is the most valuable assets targeted by the perpetrator. By storing all important data on the phone, when phone is missing, this gap becomes illegal economic opportunities for the attacker.

Attention to detail and attitude of Professionalism

A professional attitude is not only seen from the styles of dress and the words said that neatly arranged. Such little things ringtone phone, the sound of a voice mail, email address, also plays a role in the formation of your professional image.

If you work in a creative field, such email address dhinnaimoet@yahoo.com may still be acceptable, though impressed too childish. More to be safe, you should create a special email account for your job. Normally, use the full name.

Professional image formation does not stop until the email address. Such social networking sites facebook and friendster can also be the barometer. In fact, this friendship sites have become a source for finding out about someone's personality by their prospective employers. According to a survey mentioned, approximately 20% of potential employers take advantage of the friendship site for finding out more information about prospective employees.

It is a major concern "investigation" through the social networking site is the comments from the friends, notes or comments that you post, the photos are shown, also the way you interact with your friends on FB and FS.

Even the smallest details that you post on the site could affect the friendship chance to get a dream job. Thus, online behavior must be adapted to your behavior in public places. Better to show the best out of yourself even if only in facebook or friendster profile.

Plus and Minus "Jumping Fleas" in a Career

Do you belong to the category "the fleas" in your career, alias like moving the workplace? Nothing wrong with it, take every opportunity in front of the eye for a better career advancement.

This can often happen because right now, companies tended to give priority skilled professionals who have expertise, knowledge, behavior, work orientation, as well as good communication skills. Bosses are generally more appreciative of and protect employees who contribute significantly and consistently towards their company. Considerations in choosing a professional company are also not solely based on loyalty.

Still, you should consider several things before deciding to move to another company. According to experts, in order to work productively, every employee must be loyal to those companies. Each person can still perform at 100% to the company while developing their careers.

In addition, the company moved in too short a period is less wise. If you move to another company after less than one year, it would still be acceptable. But what if you do it once every three months? People will think there is something wrong inside you. Other companies will be questioning their commitment and hesitant to hire you as their employee.

Moreover, various job vacancies currently include various requirements, one of which is a long work experience and technical skills within oneself. Too often the company moved in a short time will reduce your chances of getting the job.

Noting It Small

Are you aware, just little things can make it work productivity declined? Because no order keep records, for example, we will be confusion when the note is required, not only wasted time, mood can directly sluggish employment. There are some small things that you might miss, but it was important for a smooth job. Some of them:

1. Consider comfort
The chair is too hard, too short or too high can interfere with the work. Make sure to use a comfortable seat, especially when a lot of work while sitting.

2. Arrange desk
Use a computer keyboard with keys that good and the computer screen are parallel to the eye, well-functioning computer capable of influencing the smoothness and productivity. Comfort and good posture while working, will make the mind becomes more clear and flowing.

3. Take a break
Every half hour, got up from his desk chair and leave for three to five minutes. Use that time to loosen the body and refreshes the mind. After that, right back to the table with the concentration and fresher conditions.

4. Discipline
Make your own rules, how much time you need to complete the office work. Obey the rules you created it, so time to work so much more efficiently.

5. Create a list of jobs
In order to more efficiently and effectively, write a list of work to do every day. Then mark one by one so finished work.

6. Trim record
Discard the habit of writing important notes in any paper, prepared a special book or agenda which can be brought at any time, so if there are ideas across, can be recorded. Thus, there would be wasting any more time to search.

7. Trim tool
Make sure you have a special place to store office equipment, ranging from paper clips, pens, markers, and others. So that when needed, immediately knew where to look. According to the survey, 75% of workers spend 15 minutes every day just to find stuff that's hard to find.

Competition between women's career

Women known as emotional beings, in the world of work, this emotional attitude can affect adversely. Dealing with male coworkers and compete behave in their own way. Meanwhile, women face, there are a few tricks of its own.

1. Do not make a triangle
When you have problems with colleagues or superiors, do not complain in the third person (creating triangle). Instead, tell the person concerned directly.

2. Immediately solve the problem
Costs are allowed to settle without a solution will only complicate the situation. Do not bother too concerned about small problems, because sometimes, women can be so sensitive just because a friend was invited to eat lunch together. No matter whoever is wrong, try to dilute the atmosphere.

3. Do not open too much personal information
During the school or college you are already familiar with the model of female friendship is "open". And information sharing can be a powerful way to enter into a social group. But do not be too eager to align them-selves in the workplace. Although you seem to have much in common with your female colleagues, remember that not all people you can trust.

4. Living without the need of close friends
Friends with coworkers are not prohibited. But you need to always be alert and self-limiting. Some signs of friendship you become a professional office: You spend more time socializing than working.

5. Build a network
Classmates would be more helpful than a boss. When you are in difficulty and need help somebody, who would you go? Certainly not someone who is more senior than you, Also, job referrals and you hear more from your peers. That is why it is important to close with a woman in horizontal, and start building your network now.