Best Careers for Personality Types

February 19, 2016 Leave a comment

This was shared with us by Emily Parker of CollegeMatchUp.net.  Today, many job assistance organizations and career counseling centers will factor in a person’s Myers-Briggs personality type when helping them find the ‘perfect’ job. Find your type below and you will see a few suggestions to get you started in finding a role that can best fit your specific disposition.  Remember, these are general terms and suggestions presented, as opportunities abound and you’re not necessarily limited to what’s listed!  Below the infographic the 16 MBTI types are listed and identified!

PersonalityTypeJobsPost

ISTJ

These types are good work horses, as they get things done. They see every detail of a plan and aren’t afraid to spend extra hours at the office or take on extra work. To compensate, they seek out jobs with high rewards.

Nickname: The Duty Fulfillers

Prevalence: 8.5%

Perfect careers: Business administrator, police officer, lawyer

ESTJ

These are the defenders of our society. They seek out jobs in which they can feel accomplished and important, as well as helpful.

Nickname: The Guardians

Prevalence: 13%

Perfect careers: Military officer, teacher, sales representative

ISFJ

Like the ESTJs, these types are supportive, but in a much more nurturing, caring way. They feel things intensely and like to help others through difficult situations.

Nickname: The Nurturers

Prevalence: 7%

Perfect careers: Interior decorator, social worker, childcare

ESFJ

Full of empathy, ESFJs seek employment in places where they can connect with their client, student or patient. A high amount of these types are in the nursing and teaching fields.

Nickname: The Caregivers

Prevalence: 12%

Perfect careers: Nurse, counselor, teacher

ISTP

These types look at a problem from absolutely every angle. They like to problem-solve and believe there are multiple ways of finding solutions.

Nickname: The Mechanics

Prevalence: 6%

Perfect careers: Forensic pathologist, computer programmer, engineer

ESTP

ESTPs are the “go-getters” of the personality types. They are high-energy and enjoy friendly competition. They work well in fast-paced environments that are challenging and rewarding.

Nickname: The Doers

Prevalence: 10%

Perfect careers: Marketing, paramedic, athlete

ESFP

ESFPs crave the spotlight. They are very creative and thus stay away from jobs that require strict routines or office work. They like to travel, to design and to express themselves.

Nickname: The Performers

Prevalence: 11%

Perfect careers: Artist, fashion designer, consultant

ISFP

Like ESFPs, ISFPs are creative, though in a much more introverted way. They tend to choose jobs that require imagination and originality, but they’d much rather work in solitude.

Nickname: The Artists

Prevalence: 6%

Perfect careers: Musician, photographer, veterinarian

ENTJ

Born leaders, ENTJs are risk-takers with sharp wits. They can make firm decisions and never feel regret. They are best in charge of large accounts, corporations or business decisions.

Nickname: The Executives

Prevalence: 4%

Perfect careers: Corporate executive, entrepreneur, judge

INTJ

These types are the thinkers. They can solve complex problems and enjoy doing so. Most are in a STEM (science, technology, engineering, math) field.

Nickname: The Scientists

Prevalence: 1.5%

Perfect careers: Scientist, engineer, corporate strategist

ENTP

ENTPs like to solve potential problems, and they are often looking toward the future. They connect well with people and they like to work in teams on complex issues.

Nickname: The Visionaries

Prevalence: 4.5%

Perfect careers: Psychologist, actor, systems analyst

INTP

Like The Scientists, INTPs do well in STEM fields. But they also enjoy scripted public speaking and teaching, as they enjoy sharing what they find with others.

Nickname: The Thinkers

Prevalence: 2.5%

Perfect careers: University professor, mathematician, forensic research

ENFJ

ENFJs enjoy doing volunteer work and helping others. They are also good at organization and do well planning events and parties.

Nickname: The Givers

Prevalence: 4%

Perfect careers: Clergy, events coordinator, writer

INFJ

ESTJs are The Guardians, but INFJs are a bit more prone to choose careers that offer small victories. They don’t want to save the planet, they just want to make the world better one person at a time.

Nickname: The Protectors

Prevalence: 1%

Perfect careers: Chiropractor, early childhood development, dentist

ENFP

These types like to be surrounded by other creative types. They thrive on others’ energies and enjoy being a part of creative, political or social movements. They’re also perfect leaders with great communication skills.

Nickname: The Inspirers

Prevalence: 7%

Perfect careers: Politician, television reporter, writer

INFP

INFPs can be perfectionists, but this usually benefits them in their careers. They see only one solution per problem but work very hard to reach that solution.

Nickname: The Idealists

Prevalence: 2%

Perfect careers: Psychiatrist, social worker, teacher

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The Ruse of the Unemployment Numbers

March 1, 2015 Leave a comment

US UnemploymentHungry? Imagine being served your multi-course dinner by a Ph. D. in Pharmacology, or getting your burrito delivered by an experienced human resources professional. Both of these scenarios are very real. Both of these individuals, one a friend, the other an acquaintance, lost jobs due to economic downturns at their respective organizations and both have taken jobs, simply to pay the bills, while they seek out new opportunities in their chosen professions.

Both of these individuals are examples of many that have succumbed to a massive, but hidden, problem called underemployment. Watching falling unemployment numbers now being reported below 6%, down from nearly 10% four years earlier is, in many ways, simply misleading.

I believe it was Mark Twain who quipped, “statistics are like an alienist; they can work for either side.” The ‘official’ unemployment rate (technically called U3) is a simple and broad measurement that divides the number of people who are not working, want to work, and have been actively applying for jobs by the sum of the people working and those loosely defined as unemployed. In doing so, today, you get a number that’s just below 6% as stated above. While many seem to accept this as THE measurement of employment health, this is merely one measurement though; The unemployment rate can be calculated using a variety of differently ‘useful’ parameters and the U3 rate leaves out many that should be included as they are in the U6 statistic (see below).

With the Fed preparing to raise interest rates as soon as they believe the labor market is strong enough, determining that strength is difficult. But one fact everyone should be able to reasonably agree on is that the ‘official’ unemployment rate does not even attempt, and can’t really, measure the actual strength or health of the labor market exemplified by the openly known fact that Fed Chair Janet Yellen looks at a “dashboard” of at least nine labor market indicators!

Thus, lots of people who are unemployed by many reasonable definitions may not count as such, depending on the metrics used, in the official government statistic. In fact, using the government’s own definition, workers who are discouraged or marginally attached to the labor market do not count in the official unemployment rate. There are different, broader, unemployment measures available, but they do not get the headlines.

In fact, of the over 90 million Americans 16 years old or older that are not working, hence not part of the equation, fall into several categories: retirees, stay-at-home parents, students, and those who would prefer working but have given up on finding a job. Policy makers have been reduced to making educated guesses about the relative size of each subgroup of those not working because the capture of the actual numbers is speculative at best, and then their potential to reenter the labor market as conditions improve remains in question too.

Despite the significant decrease in the official U.S. Bureau of Labor Statistics (BLS) unemployment rate, the ‘real’ unemployment rate is most likely over double that approaching near 13%. This number, which is a better portrait of the nation’s REAL economic health, reflects the government’s U-6 report, which accounts for the full unemployment picture, and this includes those that are marginally attached (describes individuals not currently in the labor force who wanted and were available for work)to the labor force, plus those “employed part time for economic reasons.” In July, this marginally attached group accounted for 2.2 million people. To put that in perspective, there are currently 16 states in the U.S. with populations smaller than 2.2 million. Another number, large in and of itself is the 741,000 discouraged workers – workers not currently looking for work because they believe no jobs are available for them. These are included within the list of marginally attached people. Another 7.5 million were not considered unemployed because they were employed part-time for economic reasons. Those people are also called involuntary part-time workers – working part-time because their hours were cut back or because they were unable to secure a full-time job.

Unemployment is really a measure of labor market disequilibrium; it measures the mismatch between employers’ demand for labor of various types and workers’ willingness and ability to supply that labor. Unemployment that is “too high” or “too low” in aggregate, or in specific job categories, is really about these mismatches, not the overall health of the labor market.

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What happens if I do not re-pay my student loan?

July 31, 2014 9 Comments

student-loan-debtStudent Loans for college can be one of the most significant debts one may ever incur, both in a good way, and potentially bad.  They are necessary for many to attain their educational goals and aspirations, but on the back end, once done with school, they are waiting and, if not managed properly, can haunt people for life.

By some estimates, nearly one in three student loan borrowers in the US that are in repayment are actually behind on their payments.  Six months after graduation student loans come due and the first payment request will come to the door.  Many students I’ve worked with in the past were not even aware that, if graduating in a traditional form, in May, November meant loan payments were to be waiting and the lender expecting a nice response! 

While some take it on as a responsibility and manage their debt accordingly, others tend to put a blind-eye to the subject and that is a dangerous approach especially when dealing with the federally funded loans.  Let me explain.  Any loan is an agreement, a contract, that gives one money now, in the present, with agreed terms that you repay it back over time with interest.  The interest (and penalties) being where the loan providers make their monies so when repayment doesn’t happen according to the terms signed on for, the lenders tend to take it seriously.

Ignoring your debt only makes it worse in a general sense.  While some loans can be ‘negotiated’ away or walked away from with minimal (relatively) negative effect, when it comes to student loans in particular, there is truth in the adage that if ignored it will only get worse. Student loans don’t just go away, and the consequences of making no attempt to pay or resolve them can be severe.

Sometimes one even ‘ignores’ their loan by accident.  For example, many students I’ve worked with have been under the misconception that by deferring loans, say attending grad school for example, that the loans just sit there doing nothing.  While partially true, ‘doing nothing’ in that there is no immediate expected re-payment, when they come due after the deferral time frame, what’s now waiting in addition to the loan, is all the new accrued interest that HAS been racking up on the meter while the deferral time has ticked away.  The loan doesn’t just sit there inert, interest is adding up and added on to the original tally, so while your payments may have been deferred for a year or two, the interest has grown and is tacked on and your debt has ballooned more.

So, what DOES happen if student loans are ignored and/or mismanaged?

1) the debt will simply grow.  Predictably, account-ably, the maths increase and one gets deeper in debt.  Interest will continue to accrue and be added on as payment balances, that seem so daunting now, will only get even larger.  Additionally, loans that go into collection will incur additional penalties that can increase costs up to a significant percentage (State law, depending on where, may limit collection costs).

2) Credit scores will suffer and especially bad at a time when trying to build this number.  Late payments will appear on your credit reports and your credit scores will go down.  Negative information may be reported for up to seven years, and for many graduates their credit scores are more important than their college GPA’s when it comes to real life.  Need an apartment?  Many landlords are checking credit scores to measure potential tenants.  Need a car?  Credit scores are used to determine your risk and loan interest rate.  Want a job?  Many employers, more as time goes on, are checking credit scores as a way to determine how well one manages responsibility.

3) You will eventually go into default.  Federal loans generally can be considered to be in default when a payment has not been made for a period of 270 days.  Once in default, the government has “extraordinary powers” to collect (see below).

4) Private student loans are a bit different, though. The definition of “default” depends on the contract, and may include simply missing one payment or the death of a co-borrower. Private loan lenders don’t have the same collection powers as the federal government but they can sue the borrower, and if they are successful, then use whatever means available under state law to collect the judgment.

5) Expecting a tax refund?  If you’re lucky enough to have a job, you may have to kiss your tax refund goodbye.  If a federal student loan and in default, the federal government can intercept part or all of you tax refund.  Married filing jointly?  Yep, good guess!  A spouse’s portion of the refund may be at risk too, and they may have to file an injured spouse claim to recover it after the fact (although private student loan lenders cannot claim tax refunds).

6) Wages may, and most likely will, be garnished.  Normally, a creditor must successfully sue you in court in order to garnish your wages, and even if they are successful, there may be state limits on whether and how much income can be taken.  But if you are in default with a federal student loan, the government may garnish up to 15% of one’s paycheck.  While you may be able to challenge the garnishment under certain circumstances, but in the meantime, do you really want your employer to know you are in serious trouble with your loans and financial management?

7) Any co-borrowers/signers are in trouble too.  Anyone who co-signed a student loan is on the hook for 100% for the balance.  It doesn’t matter if it is a relative, friend, stranger; anyone that puts their name on the loan contract is then liable for whatever is left/accrued on the loan.  Simple.

8) One can be sued.  Lawsuits are less common with federal loans than with private ones. (After all, why would the government sue when it has so many other ways to collect?) But a lawsuit is always a possibility especially if you ignore your student loans.  If/when sued, it is advised to seek the help of an attorney experienced in student loan law to raise a defense against the lawsuit and come to some agreed resolution.

Essentially, one in default will be haunted by this debt for life.  It may sound blunt, but it’s the reality and better the devil you know.  There is no statute of limitations on federal loans, which means there is no limit on how long you can be sued and it simply does not go away.  State statute of limitations do apply to private student loans, however, limiting the amount of time they have to sue to collect.  But it doesn’t stop them from trying to collect — and if one doesn’t know their rights it may go on indefinitely.

But What if You Can’t Afford to Pay?

For starters, get your free annual credit reports to see where things stand.  Personally, I like and use CreditKarma.com.  It’s free, secure and easy and will give constant monitoring and one will have a clear understanding of how debt is affecting credit.  There’s also the National Student Loan Database to track down your loans.

For federal loans, you can get back on track with a reasonable and affordable payment plan.  Programs available for federal loans such as Income-based Repayment (IBR) that allow some borrowers to qualify for a lower monthly payment based on income, and then discharge the remaining balance after a certain number of years of repayment may be an option.

For private loans, talk with an attorney who understands how to discharge certain private student loans in bankruptcy.  It can be tough to qualify and it’s getting more difficult, but not impossible. If that’s not an option, you may be able to try to negotiate a settlement?

While it’s never a good idea to ignore loans, there are times when a borrower simply cannot afford his or her loan payments. Fact of life but if ever in said situation, remember to prioritize.  Federal loans are more important than private ones.  Ignoring any debt/loans can be painful and have negative consequences to your lively-hood, but doing so at the federal level is life-long.

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Job Search Strategies for New Graduates

June 4, 2014 Leave a comment

Success!  Congratulations as you’ve worked hard and toiled in the classroom for 4+ years and now it’s time to see it all come to fruition as you enter working adulthood! The job market is a huge entity and for those walking in, it can be a cold splash in the face for even the most seasoned job-seekers, much less new grads just getting their feet wet! Below are 10 common mistakes of job hunters (new ones in particular) and following that are 10 tips to get your search going so that you can stand out!

Tips for a Successful Job Search

Tips for a Successful Job Search

Ten Common Mistakes of the (New) Job Hunter

1) Not Being Proactive
2) Using the Internet AS your job search
3) Not Networking Effectively
4) Not Tailoring Resumes and/or Cover Letters
5) Misusing/under-utilizing the Internet
6) Failing to Follow Up
7) Setting Expectations Too High
8) Not Appearing Professional
9) Not Taking the Job Interview Seriously
10) Not Utilizing Your College’s and/or professional Career Services

Now, Ten Tips to get you Really Moving in your Job Search!

1. Research, research and then research some more!

As with any job search plan, one of the most important steps is to do the up-front research. If you have a degree in a chosen field, it’s best to research opportunities and get a general feel as to what the requirements are to be and how organizations differ from one another. Sure, Google and Microsoft (Bing) specialize in search, but are they the same? No. Ford and Chevrolet both manufacture and sell automobiles, but are the two companies the same? No. It is your ‘job’ to be able to distinguish an organization before approaching. Today, especially, there’s an inordinate amount of information available for job-seekers, and to an employer, there’s no excuse you didn’t use it in identifying what makes them unique.

2. Get your resumes (yes, plural!) ready.

Make them specific and tailored for each position and industry. Use your headings, categories and descriptions to give your resume flow and ‘a story’ that speaks to each employer. A generic resume smells of desperation and/or indifference and when an employer has hundreds, if not thousands, it can go by unrecognized.  If it doesn’t ‘speak’ to the role and the nuance of each organization it gets put in the ‘circular file,’ damned for eternity.

3. Just as important, get your cover letters to speak.

Make them so they are not the generic – “as a new grad, I am really interested in a position at your organization… etc., etc….” This doesn’t SAY anything. Use the cover letter to speak to them.  Connect your experience, skills and, most importantly, interest to what they do. Remember, the organization is NOT thinking about you. They are only interested if they can be thinking about HOW you can help them. Your letter needs to sell them on that fact!

4. For grads, be sure to visit your college’s career services office and/or seek professional assistance.

Utilize these resources for career counseling, job and internship listings, access to recruiting programs, and career networking. The staff is typically seasoned in helping you get your materials in order and preparing you for your search. Remember, the ‘job’ of the career office is to help PREPARE you for your job search, not to conduct it for you so you need to be proactive and willing to do the leg-work.  If already out of school and graduated, hiring on a career services professional can be a great way to get objective, resourceful guidance and assistance that can be a huge investment.

5. Being connected and online is your friend.

Allows for real-time information and connection. Obviously, there are a number of online job boards for job seekers, and using your time to keep abreast of these; job listings, postings, job search tips and career advice, is important as a puzzle piece to your job search. As a side benefit, but just as important, keeping your social networks active and in the loop at the same time.

6. Promote and clean-up your on-line presence and profiles.

Use sites like LinkedIn, Facebook and Twitter to your advantage in self-branding. Many companies now use these social networks to advertise, meet and recruit.  Connecting with prospective employers via social networks could be a way to get in the door. Many organizations now gauge the aptitude of a prospective employee not only by their professional and educational experience, but their online biographical presence. What you say and how you present yourself online can, and will, translate into real-world perception. Whether positive or negative is up to you!

7. Take advantage of recruiting and career fairs.

These are a great way to strike up mini informational interviews with organizational representatives that are trying to sell you their organization. These are great venues to ask questions, pick up valuable advice and then use that in your marketing of self! Bring copies of your resume to distribute as this is a terrific way to connect and position yourself with potential hiring managers, not to mention any information gleaned can then be used in a follow-up cover letter and interview.

8. Package yourself to promote!

Learn the basic etiquette of job-hunting which includes dressing appropriately, learning the importance of a good handshake, eye contact and thank you notes and emails. Take advantage of the plethora of career articles online which outline all the basic requirements of the job search process.

9. Network extensively and politely, professionally, but shamelessly, USE them!

You cannot have too many people in your corner when you are looking to secure a job, and networking plays a critical role in the process. Networking can be both formal and informal. Friends, family, neighbors, alumni, even people you meet on the bus or at a store are potential conduits in generating job openings.

10. Volunteering or taking an internship is good and good for you.

A great way to ‘test’ an area of interest and bolster your skills. These programs, some of which can be paid, are a valuable way to gather on-the-job training which can work to make your resume stronger and give you tangible experience. In some cases, if all goes well, many organizations will consider offering you a position on a permanent basis based on what they’ve seen. As a volunteer or intern, it can help put your finger on the pulse of an organization and you can position (see research above!) yourself immediately for interviews should job openings occur.

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What’s Missing in the College Experience? Part 4 of 4

April 16, 2014 Leave a comment

Choosing a major can be stressful!

Choosing a major can be stressful!

Part 4 of “What’s Missing in the College Experience” – Where is your major leading you?

“Many people end up doing work completely unrelated to their major in college, but it still helps to know for what careers that major might matter when selecting a major or concentration. Students who really know the possible career paths with an undergraduate degree are few and far between at the time of major selection. Many students choose their majors in their sophomore year before they have much work experience at all. There would be many benefits to students if there was a consultant at the school keeping track of where their major may lead, career-wise, and what those careers meant in terms of average activities. Not only would students be making a more informed decision, but it would jump start the process of searching oneself to figure out what they really want to do before the big crunch at the end of senior year.” (Eli Lisseck ’13)

While I was at Mount Holyoke College as the Director of Recruiting and Employer Relations, I had the opportunity or working with many great partner recruiting organizations and some really wonderful students looking to make their mark in the world. One woman, in particular, that really ‘got it’ was a student that was interviewed and hired by, I believe, Paine Webber.

She was a history or psychology major, I can’t remember for sure, but the point being she was hired on by a pre-eminent financial institution after graduation in the liberal arts. Upon being installed on a team, one of her also recently graduated co-workers, had come out of a more formal business program as opposed to her degree in the liberal arts. Upon hearing of her ‘history’ or ‘psych’ major, he turned to her in a meeting and brazenly said, “what are you doing here?” Without missing a beat, she responded by saying, “to do the things you cannot!” A brilliant retort and was coming from someone that could articulate her liberal arts experience and how it would be a good translation to that financial working environment.

But for many, that transition and translation is not so easy.  College is a major expense in one’s lifetime but students who don’t follow their hearts by delving into subjects they’re most passionate about will ultimately hurt their chances of a successful—and satisfying—career in the long term, many college officials say.

For college students, declaring a major can be a stressful moment in one’s academic career. What do I major in? What should I choose? Now I have to live with this? These are some of the questions that plague thousands of newly minted college students each year, looking ahead, producing beads of sweat and who have nightmares of doing the ‘diploma walk’ only to head off the stage after graduation directly into an unemployment line.

For many, they view it as though they essentially are to say, ‘this is now what I am to do for life…’ While true to some degree, no pun intended, a major is really nothing more than saying I am specializing in an area of interest and taking the classes to support such. For someone who already has a career destination in mind; say they want to build bridges as an engineer or be a surgeon, they are lucky in that they are on a defined path and their declaration of major is more of a natural means to an end. The more difficult task is when one doesn’t necessarily have a set outcome in mind; no set path or destination, and choosing or declaring a major can be a pretty stressful addition as one feels they are essentially locking in by having to ‘choose their future.’

The good news is that, as stated above, a major is a focus and what, for many, is missing in their college experience, is a real, comprehensive understanding as to how that major is, or can be, translated to the working world and charting off on a career in the future. This is especially true when majoring in the liberal arts or humanities where the outcome can be a much more abstract path as is not necessarily a linear translation to a job or career.

Much of what happens in the classroom, and its success, is in how one, upon graduation, understands the subtlety, nuance and range of skills that are now to be articulated in a way that explains its relevance to a potential employer.

Most majors are elastic in that employers rarely ‘need’ a specific degree majored in, but instead a set of skills (both hard & soft), experiences and the ability to put them into motion. It is rare that a new hire is showing up at the door with a stand-alone skill. Employers look for a mosaic of such and future college graduates have such, but many do not know they have such and it is in this applied learning, this translation that can be the ‘make or break The college experience is too often limited in making that translation for students and many times the only discussion of such is schlepped over to the off-in-the-corner, stand-alone career services to make those connections evident.

This is a huge missed opportunity in that while these dedicated offices of careers and career transition do what they can, without the full ‘eco-system’ buy-in of the campus at large, the talk of transition from academics to career is usually too limited or late in coming and is missing a great opportunity to be as effective as it could be.

Much of what should or could be done during the college experience is a synthesizing of one’s academic studies at every corner of the respective campus, in a way that fully cross-pollinates, so that students have four years of not only academic intake, but four-years of transitional understanding of their academic history, both looking back and looking ahead? The college experience should, and can, be an artful balance of synthesizing interests, skills, personality strengths and acquired knowledge while at the same time acquiring tangible experience outside of the classroom.

In a perfect world, in the first four semesters, when wrapping up the sophomore year, if possible, this synergistic learning would make for a much better understanding of one’s choosing a major and how it ultimately can be a better blueprint for the transition to career and life after college.

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What’s Missing in the College Experience? Part 2 of 4

April 9, 2014 Leave a comment

Writing well is work.

Writing well is a process learned and re-learned.

Part 2 of “What’s Missing in the College Experience” – Writing competently and of quality is not scrutinized

“Outside of academia, you aren’t guaranteed an audience.  Writing is a crucial communication skill whether you are drafting a book or simply sending emails to anyone in a professional setting. College writing has a tendency to trick students into complacency when writing, because it is someone’s job to read their writing. A salaried college professor is tasked with reading your essay on common pool resources, but would your writing attract any attention without the financial incentive? I have found that writing for college and writing for work are two very different ideas because your writing is not guaranteed an audience in the real world, and piquing the interest of others with your passion for a subject is a skill that requires extensive practice.”  (Eli Lisseck ’13)

In my experience, this is an area where many of the institutions of higher-ed are falling short, but in saying so, many – if not all, will disagree. Much of this disagreement is based on the philosophy or expectation that when students arrive out of high school, their writing skills and basic understanding of grammar are to be in place and of a second nature AND at this stage, it is no longer the job of the curriculum to be teaching the basics.  With that being the case, when entering college, the foundation is, or should be, in place and the expectations that the students can engage and embrace the more advanced, esoteric and abstract requirements of the college-level academics.

While it sounds good in theory, in practice, this is not the reality. Many students coming into college are relatively unprepared for the expectations and demands of what college level output requires of them, or at least used to.  Sadly, the solution seems to be, instead of monitoring, policing and fulfilling the expectations of higher-ed, is to simply lower them. Writing, especially in the abstract, tends to be of less than quality and with that, basic rules of grammar, spelling and structure, all get lost in the process as there is no system in place that reinforces or critiques in a consistent and/or permeating way.

Having worked with many, many students over the years, I have seen the writing skills in decline and there are many factors to this I imagine. But there are two that stand out to me in significance over the years as I have been witness to this decline. The first being the most obvious; technology and its contribution to linguistic regression, as we now speak in fractured spits and spurts as opposed to complete sentences attached to complete thoughts behind such. The second, which has crept in at a slower pace but over a longer period of time is that the schools seem to not want to hold people accountable for the lack of quality or proper writing. I have heard many college faculty and administrators lament the writing skills of their very students, yet said students seem to fly through the ranks ultimately receiving their diploma for their ‘exemplary academic four-year toil…’

I’ve called out people on many occasions for the lack of quality in their writing.  The usual response(s) seem to be something akin to, “well it doesn’t really matter,” or “no one really looks for that.” I’ve even spoken with and questioned faculty about such, and while many have agreed that the writing is less than stellar, they will then go on to say, “I am grading for the message and content, not their grammar.” More than one has said, “It’s not my job to correct their grammar at this stage.” I get what they’re saying but I disagree with it. The common theme is that anyone who IS the audience for such output should be critiquing, as if it is not done so, is ultimately a disservice to the student and will only end up being magnified later in time.

Case in point being a student that I had the pleasure of working with during her undergraduate years and she was, in her mind, a competent and aspiring writer/communicator. Everything she had produced in college had been given praise and her writing was celebrated in her grades by faculty. However, upon graduation, her cover letters, the writings I saw, the very documents that were supposed to ‘brand’ her in the job market, that were supposed to tell her story and convey a positive impression on prospective employers, were woefully inadequate, both in foundation and style. Her writing, while ‘fine’ for the classroom, failed to make an impression on the audience she was hoping for outside of college. Actually, let me restate that; her writing DID make an impression on that audience. It happened to be a poor one in that her ‘new’ readers were indeed scrutinizing her materials and critiquing for grammatical mistakes and structure. They were looking at content and context with the evaluative eye of the red-pen and her materials were being lambasted for their poor quality, such that could never represent an organization she were to be interested in working for.

Our office of Career Services would get frequent calls from alumnae stating, “What is going on? The applicant’s writing is horrible? What can we do about it?” Frankly, at that point, the horse is already out of the barn, as it were. Being more an issue of image management and needing a reaction, we implemented a plan that every resume and cover letter forth that came through our office for recruiting opportunities was to be pre-screened and then ‘approved’ by our staff before being submitted to prospective employers. While this was done mainly as a service to appease the employer’s want of not being ‘embarrassed’ by the applicants of their own Alma Mater.  With the intent of heading off poorly written or ill-conceived letters and resumes, this became a pretty effective, for the most part, method in elevating applicant’s presentations. The fact that for many students, this, to use an over-used term, ‘teachable moment,’ the heightened lens of scrutiny, even labeled “harsh” by many students, was really met in our office for the first time on-campus, is part & parcel to one of the issues void in the academic mission – a willing, permeating, consistent and strong scrutiny for the students at every stage of their academic career.

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Being a New College Graduate Means You are…

April 2, 2014 Leave a comment

Pew Economic Report for New Graduates

Pew Economic Report for Young College Graduates

Facing an unprecedented amount of debt – According to The Institute for College Access and Success (TICAS) Project on Student Debt two-thirds of the graduating class have debt waiting for them at door after graduation with the average borrower graduating approximately $26,600 in the red. In total, student loan debt is amounting to over $1 trillion. $1.2 trillion to be more specific. Think of that number for our new graduates entering the workforce and the economy as a whole. Of this $1.2 trillion in student debt, about $1 trillion is in federal student loans. This figure does not tell the full story, however, as the $1.2 trillion does not include funds students must divert away from retirement savings, parent borrowing, or credit card debt. While a tie for federal student loan interest rates to the market is of some help, lowering the current rates for undergraduate students from 6.8 to 3.8%. But if and as the market climb, these rates will also climb until they reach a cap of 8.25%.  By TICAS calculation, this may cost families $715 million more over the next 10 years.

What does the lower number of 3.8% interest actually translate to for students? If we go back to that average figure of $26,600, compounding for interest year over year using the 10-year-payback plan that is the standard, the total cost of your $26,600 loan is now closer to $40,000.  Break that down by monthly payments and you are looking at about $320 per month going toward student loan payments.  In the end, the opportunity cost of the education itself is almost $40,000 in addition to what’s already been out of pocket for tuition, room, board, books, food, etc.  Every dollar now owed is a dollar delayed in terms of the down payment on a house. Money put aside for retirement or investments.  Dollars sacrificed for the next generation’s needs.

Facing an improved economy but – for every position offered by an employer, not only are the new grads in competition with each other, but facing increasing numbers from laid-off, displaced and/or career changing job-seekers that, in addition to a college degree, offer a tangible employment history and applied experience. With that new competition, increasing numbers of recent college graduates are ending up in relatively low-skilled jobs that, historically, have gone to those with lower levels of educational attainment. This is having a push-down effect where those with only a high-school degree are now being displaced by college graduates.

In fact, the proportion of ‘over-educated’ workers in occupations appears to have grown substantially; for example in 1970, fewer than one percent of taxi drivers and two percent of firefighters had college degrees, while now more than 15 percent do in both jobs; The figures are based on an analysis of the 2011 Current Population Survey data by Northeastern University researchers. They rely on Labor Department assessments of the level of education required to do the job in 900-plus U.S. occupations, which were used to calculate the shares of young adults with bachelor’s degrees who were “underemployed.”

About 1.5 million, or 53.6 percent, of bachelor’s degree-holders under the age of 25 last year were jobless or underemployed, the highest share in well over a decade.  In 2000, the share was at a low of 41 percent, and this was when the dot-com bust erased job gains for college graduates in the telecommunications and IT fields.  The result is that if you look at employment broken down by occupation, young college graduates were heavily represented in jobs that merely require a high school diploma or even less.  The barista serving you coffee with the Ph.D is no longer an urban myth.

Faced with ‘new’ employer skepticism – As more and more news reports and pundits attempt to explain the plight of current prospects for new graduates, another, new-ish court is being heard from more and more; the employers.  They say that college students, in general, are entering the workforce, or trying to, with a double whammy working against them; coming in the door without the skills needed to hold down or perform a job AND, in addition, unrealistic expectations about the job itself and the requirements the employer is needing. This means that in a soft job market like we’re now experiencing, recent graduates are facing not only stiff and varied competition from experienced workers re-entering the workforce but also new, budding skepticism from the employers with the (limited) jobs on offer.

According to Inside Higher Ed, more students have struggled to make their mark in a depressed job market and this has raised the obligatory questions about the intrinsic employment value of a college degree?  In the same correlative breath has the concern that new graduates are not equipped to function in the work place and are not meeting employers’ expectations and needs.  A new survey reaffirms that quandary.  In the report, “Bridge That Gap: Analyzing the Student Skill Index,” only half of college students said they felt very or completely prepared for a job related to their field of study. In contrast, and perhaps even more telling, even fewer employers – 39 percent of those surveyed – said the same about the recent graduates they’d interviewed in the past two years.  The fact of the matter is that the latter percentage, whether real or perceived, is the benchmark as they, the employers, are the ones hiring.

The most ‘educated’ but the least well prepared – As the more scrutinizing lens of a poor economy starts to look for answers, many have argued that colleges and universities aren’t doing enough to prepare their students for the work force.  This is true; sort of…  I would have to agree with that assessment and I don’t mean in a way that condemns the educational institutions’ intentions.  The problem is that the ‘system’ is not built where the idea of higher education and its synthesis of development and ’employ-ability’ are best intertwined.  In most cases, for example, representative career service offices tend to be an isolated campus entity.  Either an overbooked office that doesn’t have the resources and staff time to effectively work with students navigating their career path OR an office that can go underutilized or flat-out ignored by the campus community.  I’ve seen and experienced both and both are a disservice to the very client’s they try to serve.  In the past couple weeks I have spoken with several soon-to-be graduates and the common question asked is “have you been to your campus career center?” Invariably, the answer seems to be either ‘no’ or ‘yes, but only one or two times.’

What’s missing is that colleges need to be systemically embedding career development into the fabric of the undergraduate education.  This is a difficult task as many a faculty department will fight the ‘vocation’ label and/or expectation tooth & nail.  This is changing as new members replace the incumbents understanding the new economy and its demands but it is a slow evolution at best.  If this were to come to fruition, an organic and institutional embedding of course and career, not only would this better prepare students for life after college, it would help to justify the value of a liberal arts degree, or any degree for that matter especially as outcomes are becoming the new quantitative rage.  

To qualify, this post is not meant to simply and merely highlight the negatives facing our soon-to-be-freed graduating class, but instead to shed some light on the realities being faced, not just by the current generation, but all generations as there is a systemic, ripple-effect that reaches out and affects us all.

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When Does the Interview Actually ‘Begin?’ Part 2

March 26, 2014 Leave a comment

The "interview" is every interaction you have!

The “interview” is every interaction you have!

Last week I asked the question ‘when does the interview actually begin‘ and now here’s another example of when interviewing, as part of your job search, it’s best to be on your game – all the time!

When I was the Director of Recruiting & Employer Relations for Mount Holyoke College’s Career Development Center, we had what was, at the time, a very good and disproportionately large amount of activity in our career center both on the student and employer front.

Annually, in the fall, ‘banking season’ hit like clockwork as all the heavy-hitters from Wall Street and beyond came up to the (Pioneer) Valley to recruit for internships and full-time employment, each trying to get a jump on their competitors in the process.  What helped was that we shared recruiting opportunities with other institutions in the area so this was added benefit to the employers coming to the area; they got access to 5 colleges for the price of one in only one or two days of their staff time!

New and aspiring analysts and interns were needed and the likes of JPMorganChase, Deutsche Bank, Goldman Sachs, UBS, Merrill Lynch, Morgan Stanley, Lehman Brothers, Barclays (sadly, some of these are now casualties to the 2008 financial hiccup) and many others, would arrive on campus for their catered information sessions so that the team could present the value of their respective organization over a nice meal and some mingling and networking time.  This would typically happen the evening before their a day-long roster of pre-selected analyst want-to-be’s interviewing skills being put to the test.

One of my favorites was a woman who came up each year to host the festivities.  She was an alumna of Mount Holyoke so there was a bit of an allegiance on her part but she also wanted to make sure that the process was done and done well, meeting the candidates herself. Not that she had any distrust in her team or was a micro-manager.  She didn’t and she wasn’t.  But she DID view her visit as a way to tell the prospects “this is important and I’m making the trip to say so.” As she was up in the ranks too, as a Managing Director on Wall Street, she was a player for real and the students knew this and were thankful she was to make the trip.

The day-long interviews would take place and at the end of such, the team would gather and chat about who they think should get the ‘Holy Grail’ of an invitation for a second round back at the corporate headquarters in Manhattan.  For those that got this invitation, they were on their way! Large attrition happened in the first round but of the few selected for the second, they had a good chance of receiving an offer.

The day of the second round interviews in NYC was where you’d meet a good cross-pollination of members of the organization and get a better picture of what each of them did.  This Managing Director was interested in watching how the candidates would navigate the day in the city and their introductions around the office.  In particular, though, and unbeknownst to the candidates, one of the most important interactions and moments of their day was navigating through reception.

She never told them this or qualified it in any way, but for her it was one of, if not the, most important part of the day’s screening.  She’d watch each and every candidate and their interactions with the person or people at reception and carefully register how the candidates treated those individuals behind the desk.  If there was any sense of less than stellar treatment that potential candidate, their potential just went away in the moment. they’d still go through the machinations of the day’s plans, but an offer would never then come.

Any sign of dissent, disrespect or condescension to the reception staff was a death knell for a candidate and she would wield this without any elasticity no matter how well the candidate ‘nailed’ their second round day!  To her it was an interpolated measurement of how that candidate, if hired, might be in interactions with clients, customers or staff alike, and for this Managing Director, if one treated anyone with any sort of that demeanor, home they went.

Her reasoning was that everyone is on their “best behavior” when meeting with the people they think are important in the moment.  She wanted to see, in sort of an organic way, that there was no variation in their treatment of individuals they were to come in contact with, no matter how low or high in the pecking order, real or perceived.  This was her baseline measurement; no matter how good the rest of the day to be, this was the foundation in her measuring the emotional IQ, social graces and moral fiber of each and every candidate and while it was never the final decision to hire a candidate, it was ALWAYS evidence for the decision not to….

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Optimism in the Job Search – A Short (True) Story

March 25, 2014 Leave a comment

A new take on keeping positive!

A new take on staying positive!

The job search is a funny thing and in these recent economic times it has been made all the more difficult even for the most seasoned. There is no question that in conducting an effective and comprehensive job search, it is of the up-most importance to keep oneself in good spirits and of a good frame of mind as this has a ripple effect through every interaction during one’s search.  

Probably one of the most ‘extreme’ examples of this, and I put extreme in quotes because in this case it is, but in a good way, as you’ll see by the end of this writing.  I was having lunch with a friend the other day and to give a little background, he’s spent his working life in customer service/relations on the corporate side of the fence.  He first spent many years in banking, starting as a teller and working his way into customer relations and eventually into client account management.  After a series of mergers and acquisitions hostile take-overs, his bank folded and many of the staff were let go, re-positioned or re-located.

He was transferred to a branch bank in an urban area that he wasn’t particularly pleased about, but he still had a job.  For about two-weeks things went along as regular; customers coming and going, bank operations happening as normal, really the only differences being a new commute and the building was much smaller from what he was accustomed to having come from the main location.  

After about two-weeks of that regular, mundane sort of banking operations & existence, his career path was changed a bit when two men came in with masks, pistols and an agenda.  Everyone was ordered to the floor and, as expected in these sorts of situations, was ordered to stay quiet, money was then demanded and with that, the exchange could be done with, hopefully.

However, this case was a bit different once the money was handed over, which was given with no question as everyone’s safety is obviously paramount.  These guys decided, after they had secured their ‘withdrawal,’ one of them reaching over the teller counter, and like any good Chekhov story, ‘if there’s a gun involved it better go bang!’  So, without looking, he squeezed the trigger and fired a couple shots into the floor not realizing who and where people were positioned on the other side.

Luckily, after the guy ventilated the floor a bit, and having left, everyone, employees and customers alike having survived the melee relatively unscathed, got up, relieved as the alarms started going off.  Needless to say, and not realizing in it in the moment, my friend’s banking career ended as one of those random shots hit the floor no more than 6 inches from his side. Other than going to testify against the two men (they were caught a short time after the excitement) he never went back having decided that being shot at was really best being avoided in his future and FOR his future.  

Fast forward 19 years later, after having spent said time, again, in customer service/relations but this time in a much safer, hidden-from-the-public, cubicle environment of a major toy manufacturer, where he was recently laid off, among many others, after some restructuring of its corporate bottom line.  Back to our lunch where we were chatting about the times, the economy and kind of commiserating about such as it’s been about a year’s time now since he received his pink-slip, I asked him

“how’s your job search going?”  

“Miserable,” he said.  

I asked, “are you getting any call-backs or interviews so far…?”  

He said, “no, I’m lucky in that as other’s go through all the trouble of applying, getting interviews and then told ‘no,’ I simply get rejected right from the get-go!”  He then went on to say, “this gives me more time to do things I really enjoy instead of all that job-search rigmarole for nothing…”  

In saying this, we both broke out in laughter, reminding me of a time years ago when we were mountain biking and he let fly another great quip…  

As we were riding, looking back as I realized he had crashed.  I yelled, “are you ok?”

He said, “oh yeah, I’m fine.  Luckily the ground was there to stop my fall!”

He said both in a tongue-in-cheek sort of way, and I realized this, but also at the same time, with a legitimate, real sense of keeping his chin up in the whole process and recognizing with his situation the cliche, ‘if you’re given lemons, make lemonade!’  I found this refreshing and with an optimism that, as an employer, who wouldn’t want it in their ranks?  

He’ll find that next venture, some-way, some-time, and when he does, they’ll be the luckier to have him!

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Millenials on the March….

January 20, 2014 Leave a comment

Millenial’s on the march….Millenials

Lately, I have been reading a lot of articles, many actually, on the “Millenials” through the various news outlets.  There seems to be a new cadre of pundits espousing their research on the generation ‘gone wrong.’  The majority of the writings seem to be laden with facts, figures and statistics with anecdotes thrown in for marketing buzz that is a less than flattering theme in their portrayal of the Millenials, also known as ‘Generation Y,’ those born between 1980 and the early 2000’s. 

The various adjectives that are used to describe the Millenials often relate to them as being “lazy” or “slackers,” “lacking in ambition and drive.”  “Not being able to leave the nest.”  What’s perhaps most interesting to myself, and I’ll get to the realities of the Millenial generation, in terms of employment later in this writing, is that few observing, and now obliged to comment on, seemed to have seen or recognized what was to come? 

Granted, things certainly changed in 2008, for everyone.  Economically, the nation, the world really, has taken such a hit that unless you’ve been living under a rock, or are SO well financially insulated, you can afford to have the blinders on, you’ve been affected in ways not anticipated.  For that, you can thank Hank Greenberg, then CEO of AIG!  You can thank Bank of America and Lehman Brothers, Goldman Sachs, JPMorganChase, Bear Stearns!  You can thank Freddie Mae/Fannie Mac!  You can thank Bernie Madoff, Hank Paulson & Richard Wagoner!  Ahh, Richard Wagoner.  Remember him flying to Washington, D.C. on the corporate jet to beg congress for bailout monies for GM?  Poor soul.  It was the packaging and re-packaging of risky mortgages being sold to a euphoric public willing to spend much more than they could afford on the McMansion because they were guaranteed equity growth to spend.  It was the ‘creative’ financing of Derivatives that are so complicated that many of the very banks executing such didn’t understand how they worked?  I’m mentioning only a few as the list is very long and they are by no means alone nor is any one of them singularly the cause of what started to unravel economically in 2008.  As Alan Greenspan said, “an irrational exuberance…”

It was a systemic failing, and what I was witness to before 2008, before Millenials were even dubbed or recognized as such, was an increasing trajectory that, unless oblivious or a fool, could in no way think it would keep its upward, double-digit climb and the various expectations and entitlements that come with that? 

I have been working with the Millenials since the day I finished graduate school in the early/mid 90’s.  I didn’t know, at the time, they were called Millenials and it was early enough then that they had not yet earned any labeling of such.  With or without the corresponding labeling, what WAS obvious, was that in the 1990’s into 2008, except for a few minor ‘corrections,’ economic prosperity was simply going upwards.  Every generation throughout the 20th century and into the 21st had the good fortune to be riding a given expectation that theirs would be better than their parents!  Marginally or dramatically, it was given, a mere fact, that ‘each generation would have it better than their predecessors!’ 

Incomes were steadily rising, luxury goods were becoming more and more prevalent, houses were not just getting bigger, but more grandiose and feature laden.  Acquisition & consumption was growing at such a pace that it made the 1987 movie, “Wall Street,” almost quaint by comparison.  Computing, electronics, cars, television, communication; things were just getting ‘better,’ day by day, year by year.  And along with this came a new child rearing.  Kids were being raised, granted with the best of intentions, with the ever growing expectations that each was the next prodigal child in every one of the nation’s homes.  The platitudes have been many and the constant patting on the backs of the growing youth over the last 20 years have been so systemically ingrained that they’ve become the norm.  Every little Johnny & Jenny is to be ‘appreciated’ and the ‘best!’  Every child is a ‘star’ or at a minimum, budding ‘expert.’  Everyone deserves an ‘A,’ and everyone will do great things and discover new antidotes for all of the societal ills!  ‘Competitive’ day-care.  Private schools and nannies.  Designer diapers, Themed birthday parties, extravagant gifts and toys, electronics and connections abound.  Photographs and videos documenting every, singular, mundane moment in every new life!

Now, not only are all these superlatives and actions unrealistic but they are also statistically impossible.  Not everyone can be an ‘A’ student.  Not everyone gets to be a Valedictorian.  Not everyone can be a star quarterback for the team, especially if, given the fact, that every player is given a ball so that it’s ‘fair…’  Generationally, we’ve, systemically, raised a group of people that have difficulty in that they’ve only received positive praise.  They’ve not been ‘allowed’ to fall, or fail, as there’s been a safety net so well built-in that learning to face real adversity, learning to think around a situation, learning to adapt and be resourceful, has been somewhat filtered out of the upbringing. 

Academically, the MIllenials have been duped.  Every college/university has been involved in the ‘arms race’ in trying to make themselves more marketable.  Every institution has spent inordinate monies on waving more glitter, making things shiny, new and large.  Science centers, student centers, suites to live-in, on-campus entertainment and events.  Athletic centers that rival any New York City fitness club!  Selective showcasing of their alumni/ae that have made successes of themselves in popular culture or business, all peripheral branding tools THAT highlight a school’s ‘educational value.’  Academic institutions of learning have become residential communities and country clubs, playgrounds for those entering adulthood, not too unlike a cruise-ship package, oh, but with some coursework and a $200,000 price tag! 

Each institution has been guilty of the ‘come here and your degree with OUR name on it will be the ticket to get you that job or career you not only want, but deserve!’  Along then comes 2008.  Bam!  Nothing seen like it since the Great Depression!  Markets had been climbing, spending growing, no ‘forewarning’ of any doom except from a very bright financial guy from Boston, Harry Markopolos, saying unchecked growth cannot continue and who pointed a finger at Bernie Madoff’s Ponzi-Scheme and said, “there it was, looming in front of us,” to paraphrase, identifying a crash to come.  Prophetic, but had fallen on deaf ears.

In working with the Millenials as stated before, what I’ve witnessed is not that they’re lazy.  They are also not unmotivated, not by any means.  What they are is of such a different time and upbringing that while they are facing some of the very same challenges & similarities that every generation has faced, it is now packaged in different ways and needing to be confronted in new and adaptive ways than in times before. 

Every generation has dealt with economic fluctuations, but this is the first generation that’s had to deal with it while also combined with other ‘new’ factors; many jobs now being outsourced and going overseas, technology eliminating various roles, if not industries, through new understanding and automation.  Every generation has dealt with increasing avenues of communication, but it has been exponential for the Millenials.  Everything now being a simple keystroke or post away, so for them they really do communicate and access information in a way that had been foreign to previous generations.  Every group has had the support of the previous, as alluded to above, but the Millenials have had the ‘good’ fortune of being raised by a community that wants them to succeed!  So much so, think ‘helicopter parenting,’ we’ve in a way forgotten, if you’ll excuse the metaphor, ‘to teach them how to fish, as opposed to just handing them a bountiful catch.’ 

How all of this has evolved along with the associated labels; ‘entitled’ and ‘narcissistic,’ among many others, and yet not having foreseen such, remains an enigma to me.  In using the term ‘slackers,’ I’d like to just draw a few analogies to their previous cohorts, sort of a “then and now.” 

Think Mark Zuckerberg (Facebook)?  How about Steve Jobs (Apple)? 
Think Chad Hurley (YouTube).  How about Bill Gates (Microsoft). 
Think Evan Speigel (SnapChat).  How about Michael Dell (Dell Computers). 

“Slackers?”  No.  Different in how they communicate, think, process information, form expectations and view the world and quality of life?  Yes.  Are they to be held accountable for their actions?  Yes.  Are we (previous generations) partly to blame for their new/different world-view?  Absolutely.

Much more to come as this is a new blog and I’ll be reflecting on the employment markets, the entry to such by the Millenials and what it is all to mean…  Stay tuned!      

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