• Five Tips To Help You Land Your Dream Job

    One of the most common reasons why homeowners around the country need foreclosure help has to do with employment. Anybody who has been out of the workforce for any period of time knows that being unemployed ten brings about additional fear and stress. The loss of a regular paycheck often leads many people to file bankruptcy in order to keep their house and get a fresh start on their finances.

    If you are currently unemployed, personal branding agency managing partner Dan Schawbel wrote in Time on November 28, 2011, that even with 14 million people out of work, employers are posting the most job openings in three years. With 4.2 unemployed workers competing for each job opening, the Wall Street Journal reported that 52 percent of companies are having difficulty filling the available positions. “Despite the bad economy, you can get the job you want instead of settling for one that simply pays the bills,” Schawbel assured readers, publishing these five ways “to make the most out of your job search”:

    1. Focus Your Job Search – Schawbel advises to narrow your search to the jobs you are truly passionate about as opposed to applying by the thousands. “By putting all of your effort into finding jobs at companies you’re interested in, you will have a better chance at getting your dream job,” Schawbel said. “Your positive attitude, work ethic, body language and persistence will shine through in your interviews and will give you the competitive edge in the hiring process.”
    2. Brush Up on Your Soft Skills – “You have to have a whole set of soft skills, including leadership, teamwork and communication, as well as emotional intelligence, “Schawbel writes. He also noted that CareerBuilder reported 71 percent of employers value emotional intelligence over IQ and “want to hire employees that they can connect with both personally and professionally.”
    3. Tap into Your Network – Citing a Jobvite.com survey that found 1 in 6 workers have used social networks like LinkedIn, Facebook and Twitter to get hired, Schawbel reminds readers not to overlook “family, friends, professors, previous co-workers and the people that you meet at events and when you’re traveling.”
    4. Build Your Online Presence – “Job searching is less about résumé submissions and more about being found online,” Schawbel says, adding that users should create social profiles using the same positioning as their website and cross-link properties. “As long as your profiles are connected to what you’re passionate about, you will attract the right jobs and repel the wrong ones,” Schawbel says.
    5. Create Your Own Marketing Campaign – Schawbel points out there are “nearing 17,000 video résumés on YouTube, but only a few really stick out.” He also points out that you can “create targeted advertising campaigns using Facebook Ads and Google AdWords in order to get your website right in front of specific employers.”

    Benjamin Brand Services – Chicago bankruptcy lawyer

  • Understanding Your Debt Options

    With national household debt totaling $13.3 trillion, a USA Today story published on November 16, 2011, examined some of the options available to the millions of Americans currently burdened by the amount they owe.

    The first option USA Today discussed were credit counseling agencies, saying, “Without trying to sell you something, they can show you how to manage your finances by cutting back on spending and keeping up with bill payments.” However, as Liz Pulliam Weston of MSN noted in August 2009 that only about one-third of the 3.2 million people who contacted National Foundation for Credit Counseling (NFCC) agencies were able to handle their finances on their own after a counseling session. Another third “were either too far gone for debt management plans to help, with too little income or too much debt, or had problems credit counseling couldn’t help and were referred to social services agencies because of issues such as a gambling problem, alcoholism or other addiction.”

    The final third enrolled in USA Today’s second suggested option for debt-management plans (DMPs), but as Weston noted, the dropout rate for DMPs averages at least 45%. The NFCC came up with another repayment plan, “Call to Action,” but some are simply too far behind to handle regular monthly payments.

    The third option presented was debt settlement, but even USA Today acknowledged that the industry has been in flux ever since the Federal Trade Commission approved a rule preventing debt-settlement companies from charging upfront fees before a settlement has actually been negotiated.

    The final option USA Today covered was bankruptcy -and that was also the option suggested by Weston in the MSN article because, as she said, “even if you desperately want credit counseling to work, it often won’t.” While filing for Chapter 7 or Chapter 13 might indeed be “a last resort,” as USA Today referred to it, the truth is that it still remains the safest and surest way for many Americans to get a fresh start on their finances.

    How many of these types of debt relief have you tried? What was your experience?

    Benjamin Brand Services – Chicago bankruptcy lawyer