Be Prepared for Job Interviews

Are you prepared for a job interview with a prospective employer?

Have you recently landed a job interview, from one of the job listings that you applied to?  If you have, when is your interview scheduled?  If your interview is scheduled to take place in a few days or even in a few hours, are you prepared for it?  What you may not know is that most job applicants aren’t.  To make sure that you are prepared for your interview, you will want to continue reading on.

Employers want to hire workers who will give their business a good public perception.

When it comes to hiring an applicant, there are many interviewers who place a large focus on personal appearance.  This focus on personal appearance doesn’t just focus on beauty, but hygiene as well. That is why it is important that you give that good perception, especially in an interview.  When attending a job interview, you will want to make sure that you are professionally dressed, either in a pant suit or a dress.  Make sure that your hair is well kept as well.  In fact, you may want to think about buying a new outfit or getting your hair done before your interview is scheduled to take place.

Make a few Preparations Before Your Interview

Before your interview, you may also want to make a trip to the store to purchase some needed supplies, if you don’t already own them. These supplies may include a notebook, writing utensils, and a thank you note. As for the notebook and a writing utensil, you may want to take notes during your interview.  If you applied to more than one job listing, you may have multiple interviews scheduled.  Taking notes during your interviews will help you keep all of them straight.  Also, taking notes during a job interview makes you look as if you are more interested in the job.  It is also shows a side of you that says “I am professional and always prepared.”

As for the thank you note, which was mentioned above, you will want to send a thank you note to your interviewer.  A thank you note may also help to create a good, positive impression of yourself.  With thank you notes, many have intentions of sending them, but not everyone ends up doing so. Having a standard thank you note already filled out and ready to go is ideal.  In fact, you may also want to drop it off at the post off right after your interview has been completed.  Of course, make sure that you don’t drop it off beforehand.  Should the mail be delivered early or your interview needs to be rescheduled, you may be embarrassed with the early delivery of a thank you note, for an interview that never even occurred yet.

Should You Practice Your Interview?

As you likely already know, job interviews are where hiring employers are able to learn as much as they can about you. This is often done by asking a series of questions. The questions that you are asked during a job interview will tend to vary, but most are likely focused around your goals and your work ethics.  For instance, you may be asked to describe you strengths and your weaknesses, your goals in life, your desire to move up the corporate ladder and such.  Even if these questions are expected to be asked, it can be nerve-wracking when they are actually asked. That is why you may want to do a number of practice interviews.  These practice interviews work best with another person, like a family member or a friend, but you can also do them by yourself, like in front of a mirror.  Practicing your responses before a job interview is one of the best ways to make sure that your answers come out exactly the way that you wanted them to.

The above mentioned preparation tips are just a few of the many that you may find useful, when it comes to preparing for a job interview. If you think you will be going to a lot of job interviews it may be wise to master the interview process so you land a job quicker.

Ultimate Guide To Job Interview Answers


Considering Borrowing Money From Family-Think Twice

Borrowing Money From Family can be a tricky business to say the least. When you borrow money from say, a bank, and you are unable to make your payments they will simply come after you for collateral. But what happens if you lend money to a family member and they are unable to pay you back? Are you going to go and take their car? Of course not. This is what makes lending money to family members so difficult.

If you are planning to lend money to any family members, you need to be prepared to say goodbye to that money forever. In most situations the odds of you being paid back are quite small, so you need to be aware of that. Since lending money to family members can be difficult, there are some tips to help make it easier.

  1. Never lend out money that you need or want. If you yourself are on a tight budget you can not afford to go giving money to friends and family. It may sound harsh but you have to come first, if you go broke who is going to help you? As I stated above, any money you give you need to be prepared to never get back. So if you have no money to spare, then you can not give any away.
  2. Assess the risk involved. When someone is Borrowing Money From Family they will of course tell you they will pay you back. But you need to assess the situation they are in to see if they can pay you back. Every circumstance is different, but if that family member has a history of not paying back loans or are reckless with their money, why would you lend it? Make sure they are able to pay you back, or at least make sure you know what you are getting into.
  3. Never co-sign on loans. In certain situations family members may require a co-signer for a loan. The bank may not like their situation enough to give them a lone unless they get someone to co-sign for them, and so they may turn to you. However, it is advised you do not co-sign on loans. It puts you at risk for having to pay back the money should the other person default on their payments, money you may not have.
  4. Give money freely as gifts. Seems a bit counter productive since so far I have been saying to be careful when people are Borrowing Money From Family. But that is something we forget as we age. When we are teenagers we often get money as gifts, but we really do not need it. When we grow up and actually need the money, nobody will give it to us.

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  • Give your adult children and family members money for birthdays or holidays, if you can afford to. Not only can it help them out, but it also gives you some leverage should you ever be forced to deny them a loan. So it ultimately helps both you and your family members.



Creating a Debt Repayment Plan

When you don’t take steps to repay debt, it can grow into a force to be reckoned with. The reason is that debt collectors often assess additional fees and interest on the debt that you owe, so unpaid debts can become monstrous in short periods of time. Creating a debt repayment plan is essential to your financial health. 

Follow these steps for an effective and workable plan:

1.      List all of your debt. Write down everything that you currently owe money on, including debts that you repay monthly and debts that you’ve allowed to slip out of your conscious thoughts for a while.


·         Old debts that you’ve pushed aside have a way of coming back to haunt you, especially if you decide to apply for a mortgage loan or some other types of loans. So it’s wise to pay off all of your debt, not just some of it.

 2.      Rank your debts.Once you have a list of all of your debts, rank them in an order based on how you want to repay them. Some people choose the snowball effect, which entails paying down the smallest debts first, then moving to the largest.

·         Another good strategy is to pay off the debts with the highest interest rates first so that you’re not accruing a lot more interest while you’re working on other debts.
·         Both of these strategies are fine; ultimately, you want to choose the one that’s best for you.

3.      Determine your budget.Figure out how much money you can reasonably spend on debt repayment from month to month. Even if each debt is large, you can still pare them down by making monthly payments.

·         Be realistic about how much money you have to spend. Don’t take money away from other obligations to pay down debts – only use money that you have outside of your normal financial obligations.

4.      Create an emergency fund. If you don’t already have an emergency fund, now is the time to put one together. Save at least $1,000 before you begin paying down debt so you have money to fall back on in the event of a financial emergency.
5.      Pare down your first debt. Once your emergency fund is put together, start at the top of your debt repayment list and work down.
6.      Focus on a single debt at a time. Focus your attention on only one debt at a time rather than spreading your budget money out over numerous debts at once. The reason is so you can pare down and wipe out one debt after another, maintaining your focus and momentum.
7.      Put any extra money into savings. In the months when you find that you have extra money, consider putting it into your savings account or emergency fund.

As with any personal finance plan, your own experiences may vary depending on your debt and how much money you have to work with. Using these guidelines, design a plan that works well for your own situation, and soon you’ll be enjoying the many benefits of a debt-free lifestyle.