Saturday

Unemployment Benefits


You might be able to get unemployment benefits if you don’t have a job or work less than full-time.
What are unemployment benefits?Unemployment insurance is a program paid for by employers and your tax dollars when you’re working. If you lose your job and it’s not your fault, you could qualify for these short-term benefits.

How much can you get and for how long?The amount of benefits you get depends on how much money you made in the 12 months before losing your job. When you’re approved, you’ll get a check once a week while you’re looking for work.

Job Loss Support Group

Job Loss Support Group

This site will allow you to network with other people in similar circumstances as you, and find referrals to outplacement consultants, financial analysts and counselors. You can also download an e-book called:

A GUIDE TO: Coping with Job Loss for Smarties

The Emotional Aspects of Job Loss and How To Take Back Control of Your Life

Do you have COBRA Insurance Questions? We have the answers. Know Your COBRA Rights.

Do you have COBRA Insurance Questions? We have the answers. Know Your COBRA Rights.

Is your COBRA insurance too expensive? Looking for a COBRA alternative? We have several options for you to quote and purchase online. Plans begin at $25 per month.

Between Jobs and need COBRA alternative?
Short-Term Health Insurance - less than 6 months
Student Health Insurance - Coming off parents health plan.
Did you Lose Your Group Life Insurance? - Click here for COBRA instant replacement coverage.
Permanent Health Insurance - more than 6 months
Dental Insurance
International Health Insurance - any time period

COBRA Insurance is a valuable tool in the COBRA insurance transition. We strive to make the COBRA Health Insurance process as smooth as possible, by offering alternatives, and education to every party involved.

Online Job Hunting Tough

Most companies with Web sites allow people to apply directly for jobs online. But do those applications ever get anywhere?

Dan Zarling has doubts. Since being laid off in November from U.S. Bancorp Asset Management, the 40-year-old former senior equity analyst has applied for jobs through six company Web sites -- and found it frustrating at best, he says. The applications can be so complex that "it's almost like you're applying for credit," Mr. Zarling says. The feedback from companies, meanwhile, is spotty.

"Some of them you get zero response back from, and you kind of wonder, what did I just do?" he says. "There was no acknowledgment that you spent a half hour trying to get your information to them."

The unpleasant truth, according to job seekers, career counselors and even some companies, is that applying for jobs on corporate Web sites is often a complicated and frustrating process. A few companies do a majority of hiring via their online systems. J.P. Morgan Chase & Co., in New York, says 77% of its hires so far this year started on the corporate Web site, and that includes entry level jobs up to some vice-president positions. But the process tends to be cloaked in mystery for job seekers themselves, who often shoot their credentials into cyberspace without ever hearing anything back.

Mark Mehler and Gerry Crispin, who run CareerXroads, a Kendall Park, N.J., recruiting-technology-consulting firm, set out to test what the typical experience is like. They invented a fictional job applicant named Vinnie Boombotz (a long-time joke name favored by comedians). Posing as Mr. Boombotz, the two men recently applied to nearly 400 large companies.
Mr. Boombotz's resume was patently ridiculous. It described him as a C.P.A., or "certified protection associate" at "Bad-a-Bing Corporation," and stated that in his current capacity as a collections supervisor he had "eliminated turnover and competition." It was balanced with some plausible work experience, however, and was designed to slip past a computer without a sense of humor. Because of the specifications at individual companies, not all parts of the resume were submitted to each company.

It's unclear how many companies caught on. More than half spat out a curt but encouraging automated e-mail to Mr. Boombotz thanking him for applying. At least six suggested that he apply for specific openings. J.P. Morgan, for instance, identified Mr. Boombotz as a possible match for an opening for a fraud hotline analyst, while Merck & Co. informed him of an opening for a merchandise analyst in a similarly worded e-mail. Mirant, a global energy company based in Atlanta, saw him as a possible candidate for a payroll accountant's job and a senior accountant position, among others. Several companies rejected Mr. Boombotz for the positions he originally applied for, but encouraged him to apply for other openings in the future.

Applicants to corporate Web sites are met with silence for many reasons. The competition is often stiff, since automation allows job seekers to flood the systems, leaving many companies facing the task of wading through thousands of resumes a month, and making it all but impossible to provide any individual feedback. (Merck, for instance, gets 30,000 resumes every month.)

Job listings themselves are sometimes out of date. While the Internet originally promised more efficient connections, "where it does not live up to the hype is with actually connecting with the hiring managers with openings," says Nancy Collamer, a Greenwich, Conn., career coach and author of "Layoff Survival Guide."

Many companies use automated systems to scan resumes for certain key words to weed the ranks, but the systems are imperfect at distinguishing among candidates. Some targets of the Vinnie Boombotz hoax insist their automated recruiting systems work well and provided the right feedback -- even in the case of Mr. Boombotz.

"In Vinnie's case, he bid on a job and he was rejected by a recruiter," says Michael DeAngelo, manager of staffing programs at Merck. Mr. DeAngelo has tracked Mr. Boombotz's application and determined that three e-mails were sent to him: one acknowledging his interest in Merck; another rejecting him for a staff accountant position; and a third telling him that his profile, based on his career interests, matched another opening. Merck kept the resume in its database because it was a version that didn't contain some of the more humorous aspects and therefore wasn't instantly recognized as a hoax, Mr. DeAngelo says. The resume sent to Merck listed Mr. Boombotz's address as Greeneyeshade Place in Lotsamoola, N.J.

Mr. Boombotz received a similar string of e-mails from J.P. Morgan. "The technology did its job," says Marion Dino, a national staffing executive at J.P. Morgan. Candidate profiles are based on job skills and experience listed by candidates during the online-application process, Ms. Dino says.

"This guy was not offered positions," says James Peters, a Mirant spokesman. "The system is working, because eventually the human element would come into play."

Automated screening tools are a necessity today, say all three companies. More than 500,000 people have entered the J.P. Morgan candidate database alone during the past 18 months. For some sales positions, Merck can receive as many as 2,000 resumes, according to Mr. DeAngelo. "You can't run a business and try to fill that job and talk to everyone that wants a job," he says.
Indeed, all three companies' systems performed better than the dozens of others that didn't send Mr. Boombotz any acknowledgment at all (although it's impossible to know if any of those companies figured out the resume was a hoax).

Maintaining candidate profiles, as each company does, enables them to alert job seekers to fresh openings and allows company recruiters to build long-term relationships with highly qualified candidates, they say.

Some job seekers, however, complain that real-life recruiters don't enter the hiring process often enough. The black hole that eats up resumes sent to corporate Web sites has become a cliche of job seeking during the past few years.

Laura Levitan, 45, says she has applied to positions through 25 corporate Web sites since she started her job search in January. After receiving nothing more than an automated reply in each case, she has given up hope of ever landing a position online. "I've stopped," Ms. Levitan says. "If there's a company that I really want to work for, I will just network into it."

Automated systems aren't going away anytime soon, however. By allowing companies to staff their recruiting teams more leanly and make more hires without paying for ads or expensive search firms, the systems are incredibly cost-effective. Mr. DeAngelo says Merck has saved "several million dollars" over the past year by relying more on its corporate Web site to find candidates.

Mr. Boombotz is likely to suffer an indignity in comparison with his real-life counterparts: Candidates generally remain in company databases for six to 12 months, but Mr. Boombotz won't be so lucky.

"Since we now know that he's not a real candidate, we're rubbing him out," says Peter Kelly, a staffing relationship manager at J.P. Morgan

Take this job and shove it

Take this job and shove it
I ain't working here no more
My woman done left and took all the reasons I was working for
You better not try to stand in my way As I'm a walking out the door.
Take this job and shove it I ain't working here no more
Ive been workin in this factory From now on fifteen years All this time I watched
my woman Drowning in a pool of tears And I've seen a lot of good folk die Who had
a lot of bills to pay I'd give the shirt right off of my back If I had the nerve to say
Take this job and shove it I ain't working here no more
My woman done left and took all the reasons I was working for You better not try
to stand in my way As I'm a walking out the door.
Take this job and shove it I ain't working here no more
Well that foreman, he's a regular dog The line boss, he's a fool Got a brand new
flat-top haircut Lord, he thinks he's cool One of these days, I'm gonna blow my top
And that sucker, he's gonna pay Lord I cant wait to see their faces
When I get up the nerve to say
Take this job and shove it I ain't working here no more My woman done left and
took all the reasons I was working for You better not try to stand in my way As I'm
a walking out the door. Take this job and shove it I ain't working here no more
Take this job and shove it

Friday

Learn how to negotiate your salary and benefits.

Salary Negotiation Clinic

Learn how to negotiate your salary and benefits.

Everything is Negotiable
Be Your Own Agent
The Job You Want
Your Dream DealSalary History
Negotiating BenefitsNegotiating
Incentives
Raises and Promotions
The Performance Review
The New Salary Negotiation

The Job You Want

The Job You Want

If you're looking for the perfect job offer, you might as well stop right now: there's no such thing. But armed with the right information, you can get a good deal in a good place. Negotiating the job you want begins after you’ve learned how to be your own agent - after you’ve answered the tough personal questions and researched the company thoroughly.

Listen and answer first, ask questions later

Like the salary negotiation that follows it, the interview is a two-way process. The interviewer is gathering as much information about you as you are about the company. And a good interviewer will allow you to do most of the talking, so learn the difference between a quick question and one that requires a longer answer. In addition to listening to your answers, the interviewer may also be paying attention to how you budget your time in the interview.

In leading the conversation, the interviewer will cover essential information about the company, the responsibilities of the job, and other relevant material. Assume that the interviewer will answer most of your questions before you ask them, but ask your own questions at the end if anything is left hanging. Feel free to take notes and refer to them later.

Whatever you do, don’t talk about money until the prospective employer puts a job offer on the table. Until then, you have to convince them that you’re a hot commodity. Once they’re convinced, they will pay the fair amount it costs to get you. Let them make the first offer. Some interviewers will put pressure on you to disclose your current earnings, in the interest of determining whether they’re in the right range. As your own agent, you should just keep stalling - remember that you are never required to give a salary history. Money talk is the subject of Part 4.

Steer toward a better job offer

If, in the middle of an interview, you realize the job isn’t right for you, you have a choice. You could continue the interview, wasting both the interviewer’s and your time. Or you could cut the interview short, leaving halfway through, and going home wondering "what if."
There is a third alternative. You could always try to steer the conversation toward something closer to the job you want, or encourage the organization to restructure the job so that it will appeal to you more. You have nothing to lose, especially if your skills are highly in demand. Companies with an entrepreneurial culture are especially likely to be receptive to this kind of win-win maneuver.

Focus on your contribution

As the agent of your own career, keep your focus on the contribution you can make to an organization. In the selling stage of your conversations with a prospective employer, you have an opportunity to show how your work will help create more value for the company and its shareholders. Your contribution will stand out if, in addition to meeting the basic criteria for the position, you also have added skills or experiences. Examples include a well developed network of contacts, direct industry experience, and specific technical expertise.

Check the fit

You might want to do research to find out what a company is like. You can also see for yourself, once you get to the interview, whether the company walks the way it talks. One way to judge what kind of candidate a company is really looking for is to ask some pointed questions, like:

* What kind of management style is most rewarded in this environment?
* How can I be sure I'm achieving the company's objectives here, as well as my own?
* How do you view work/life balance?
* Why is this position open? What happened to the person who previously held the job?
* What is the turnover rate for the position or department?
* How does the company communicate to its members? How often?
* When can I expect a performance review? What is the process?
* What professional qualities are most valued in team members?

Turn them into a buyer

The goal of the interview process is to make the prospective employer conclude not only that they want to hire you, but that you are exactly the candidate they are looking for. Every answer that creates this impression - every point you score in an interview - makes you more valuable to that employer, and thus more expensive. The interview not only sells your candidacy, but also lays the groundwork for the salary negotiation.

Also check out our job offer assessing tool, The Job Assessor, in order to compare job offers.

Everything is Negotiable

Everything is Negotiable

It's all negotiable. Every new job - every performance review, in fact - is an opportunity to negotiate base salary, various kinds of bonuses, benefits, stock options, and other incentives that add to job satisfaction and provide financial security. Taking control of your job search before your job offer and conducting a smart search that takes into account more than just financial considerations can also lead to that elusive condition called happiness.

Are you prepared to negotiate for happiness? The negotiation process is an opportunity to define, communicate, and achieve what you want out of your job offer. But to get offered the right job that pays what you deserve, you'll need to do your homework. The first step in the
negotiation clinic is to understand the negotiation basics.

Negotiation requires gathering information, planning your approach, considering different alternatives and viewpoints, communicating clearly and specifically, and making decisions to reach your goal. In her book, Job Offer! A How-to Negotiation Guide, author Maryanne L. Wegerbauer describes how each party in a negotiation can fulfill specific needs and wants of the other party, a concept called "relative power." According to Wegerbauer, understanding your strengths and resources; being able to respond to the needs of the other party; and knowing your competition enable you to assess your bargaining position more accurately.

Learn the power factors

What is your power over the other side of the table? Relative power, Wegerbauer says, is a function of the following.

Business climate factors

- Overall state of the economy and the industry in which you compete
- Overall unemployment rate and the general employment picture
- Demand for industry- and profession-specific knowledge and skills
Company factors
- Profitability
- Position in the business cycle (startup, growing, stable, turnaround)
Hiring manager factors
- Urgency of the company's need to fill the position
- Decision-making authority
- Staffing budget
Applicant factors
- Other opportunities in the job offer
- Technical expertise, unique knowledge/skill set
- Resources (financial depth, networks, etc.)
- Level of competition/availability of other candidates
- Career risk of the job offer

Plan and communicate

A negotiation is composed of two major steps: planning (research and strategy) and communication (information exchange and agreement). In the planning step, get as much information as you can up front and, using both the company's written and unwritten signals, map your skills against what the company values.

Give it time

Timing is also important. Remember that the best time to negotiate is after a serious job offer has been made and before you have accepted it. Once you are clear about the initial offer, you can express interest and even enthusiasm, but ask for more time to consider the job offer. Wegerbauer suggests that this request is made "in light of the importance of the decision." Sometimes you can split up the negotiating session into two meetings: one to firm up the job design and responsibilities and the second to go over compensation and benefits. The key message here is not to make an impulsive decision. If they really want you, there's time.

Consider the alternatives

You should be prepared with a rationale for everything to strengthen your position. Counteroffers are an expected part of many negotiations, so be sure to remain flexible. Keep in mind that different companies can give negotiations more or less latitude. Smaller companies may be more flexible than large, bureaucratic companies. Unionized companies usually have very little room for individual negotiations.

Negotiate for a win-win

Remember that the negotiation is not about strong-arm tactics or win/lose. It is a two-way process where you and your prospective employer are each trying to get something you need. In a negotiation, you're both designing the terms of a transaction so that each of you will receive the maximum benefit from the final agreement.

Also check out our job offer assessing tool, The Job Assessor, in order to compare job offers.

Thursday

Leave the khakis at home

Leave the khakis at home

Today's job hunters must schmooze, glad-hand--and don business suits

By Joellen Perry

During the heyday of the "new economy" in the late '90s, job hunting took little effort. With unemployment at record lows and desperate firms wooing candidates with sky-high salaries and absurd perks, "anyone who could breathe, basically, could find a job," says Kirsten Watson, CEO of tech recruiting site HireTopTalent.com. Now, with a recession and a layoff-scarred labor force, job-search basics--from pounding the pavement to wearing a business suit--are back in vogue. The following rules can give you an edge in finding a job in today's crowded market:

PREPARE FOR THE WORST. About 2.5 million workers were laid off in 2001, the largest number since the government began tracking mass layoffs seven years ago. Even if your firm appears sound and your job secure, a shaky economy could spur unexpected cuts. "Accept that your job may not be safe," says Nancy Collamer, author of The Layoff Survival Guide, an E-book. "The reality is, very few people are indispensable."

Facing that truth can help you mitigate the mental and financial shock of getting the ax. For example, you might want to discreetly investigate your firm's severance policy and start padding your savings account to cover a potentially lengthy job search. And keep in mind that current business contacts are invaluable resources. "After you've been escorted out the door, all your files may be sitting in a desk you no longer have access to," says Collamer, who suggests keeping copies of contact lists at home.

MAKE NEW FRIENDS. Networking has always been the gold standard of job hunting, says Neal Rist, a senior consultant with career management firm Manchester Inc., who credits some 70 percent of successful job searches to personal contacts. Amid a jam-packed labor pool, says Rist, face-to-face meetings with folks who are hiring--as well as with friends, family members, and business associates who might know of openings--have never been more important. Expand your circle by joining professional organizations, attending industry trade shows, or doing pro bono work in your field. In November 2000, Ernie Villanueva, 43, a systems engineer in Mission Viejo, Calif., was laid off by Cisco Systems. Recently, a former Cisco colleague introduced Villanueva to a friend launching a traffic monitoring firm. Two months later, Villanueva was hired. "Even though I'd spent months applying to jobs, in the end it came down to who I knew," says Villanueva.

STOP SURFING. With thousands of employment Web sites boasting seemingly infinite job openings, it might be tempting to spend all day online zapping out resumes. But the proliferation of sites--and users--has created a resume glut for many employers, some of whom receive thousands of responses to each posting. A report last year from technology analysis firm Forrester Research showed that just 10 percent of job hunters who culled cyberspace leads found positions. So "you should spend 10 percent of your job-hunting time online," says Richard Bolles, author of the world's bestselling career guide, What Color Is Your Parachute?

REINVENT YOURSELF. Be open to career changes and new industries. "A controller is a controller," says Jim Boone, a top executive of recruiting firm Korn/Ferry International. "Many of the skills of that job are readily transferable to other industries." Highlighting such talent can help you make the transition from an ailing industry to, say, the thriving healthcare sector. Marketer Andrea Preziotti, 30, survived two Web site layoffs. By playing up her writing skills, Preziotti, of Brooklyn, N.Y., recently snared a temporary gig developing content for the Winter Olympics Web site. The job not only won her a trip to Salt Lake City but also supports her new goal of becoming a freelance writer. "It never would have happened if I hadn't expanded my idea of the kinds of jobs I was qualified for," she says.


BE YOUR OWN BOSS. Losing a job can give you the freedom to pursue a dream. Brian Orner, 41, and Frank Vallone, 39, former Nortel Networks marketers in Rochester, N.Y., who were laid off last year, decided to take the entrepreneurial plunge after months of fruitless job searches. Last October, using money from their savings, the two introduced PennyPlanes.com, a site that capitalizes on their childhood passion for aviation by selling model-airplane kits. "Business is going better than we ever could have hoped," says Orner.


DO YOUR HOMEWORK. The dot-com collapse and the recent Enron debacle illustrate the importance of researching a potential employer's background. Bone up on a company's financial health by reading newspaper articles on the firm and studying annual reports; call colleagues in the industry to suss out a firm's reputation. Start-ups require special scrutiny. "Take a close look at the firm's funding, at whether its board of directors is reputable, and at whether there's actually a market for their product," says Watson. Bonus: Armed with such intelligence, you'll easily ace the interview.


WHEN IN ROME. While many firms still deem Friday a dress-down day, "there is a bit of a backlash going on" against the anything-goes attire that characterized the dot-com crowd, says John Challenger, CEO of outplacement firm Challenger, Gray & Christmas. Don't be afraid to call ahead and discuss the appropriate garb for your interview to avoid a fashion faux pas.
TAKE WEEKENDS OFF. Finding a job should be considered a full-time endeavor, but don't underestimate the emotional and psychic strains of unemployment. "Job searches are loaded with rejection," says Manchester's Rist. "They're illogical, inefficient, and people are not always courteous to you." Choosing to while away a sunny Saturday morning can help you develop the thick skin a search will require.


STAY CONNECTED. Last July, Villanueva and fellow layoff survivor John Pollock, 49, decided to meet each week for a cheap lunch in Mission Viejo, Calif., to share job-hunting tips and travails. Word spread fast, and 80 people now attend their "Taco Tuesday" lunches. The atmosphere is deliberately casual--though recruiters sometimes show up--with many sporting Hawaiian shirts and shorts. "The job-search process is fraught with so much pressure and isolation," says Pollock. "But I leave every Taco Tuesday feeling renewed and ready to begin again."

How can you avoid wasting your time with an unprofessional recruiter?

How can you avoid wasting your time with an unprofessional recruiter?

A recent college graduate has repeatedly run into such recruiters during his four-month job search. The 27-year-old May graduate from University of Notre Dame's Mendoza College of Business in Indiana has encountered several so-called contingency recruiters who claim assignments they haven't landed yet or pressure him to lower his expectations. (Retained recruiters partly get paid in advance of filling posts while contingency recruiters, who often fill lower-level openings, earn a fee only if their prospects get hired.)

Amid hard times, "a lot of companies aren't going to recruiters to place people, so the recruiters are struggling," observes the Hoboken, N.J., resident. "These people are commission-based, and sometimes I get the impression that they're lying the minute they start talking to you."
Many career experts say you can calibrate recruiters' level of professionalism by asking them a host of questions, such as: Is this a contingency or retained search firm? Do you have this search exclusively? How long have you had the search? Whom are you dealing with at the client? Do you have a "spec" or position description? How did you get my name? How long have you been in the search business?

Recruiters sometimes display unprofessional behavior during their initial approach. Mark Jaffe, president of Minneapolis retained search firm Wyatt & Jaffe, says some recruiters fish for information before deciding whether an individual should be a candidate or a source of prospects. "That communicates a lack of professionalism to me," he adds.
Be wary of disclosing too much personal information until you obtain concrete information about the pending hunt, warns Gary Kaplan, president of Gary Kaplan & Associates, a retained search firm in Pasadena, Calif. A contingency firm "might not really have a job order. But if they collect enough resumes that match the parameters, they have a better chance of getting a placement and a fee."

It isn't just contingency firms that fail to exhibit professionalism, however. There's "a certain amount of arrogance" among retained firms, too, says Mr. Kaplan. "I hear all the time from individuals that they never get feedback from a retained search firm and are left to dangle in limbo. It's unconscionable and not good business sense."
Even if a recruiter lacks an appropriate opportunity, you can still figure out whether he or she has your best interests at heart. Steven P. Cohen, an executive coach who teaches negotiation skills in Pride's Crossing, Mass., suggests asking about a vacancy better suited to your background or for an introduction to a fellow recruiter more knowledgeable about your field. "It's a sign of good faith," he says.

But any time a recruiter's style makes you uncomfortable in any way, "it's best not to waste a lot of energy trying to figure out what's going on and just move on," advises Nancy Collamer, a career consultant in Old Greenwich, Conn. "It's just best to find a few recruiters you can establish long-term relationships with."

Email your comments to cjeditor@dowjones.com.

Career Consultant

Nancy Collamer M.S. - Career Consultant

Nancy Collamer, M.S. gained a nationwide following as the online Career Transitions Expert for the Oxygen Media Network. As the founder of Collamer Career Consulting, based in Greenwich, CT, she has built a clientele assisting clients through telephone coaching, workshops and publications.In addition to her appearances on Oxygen TV, Nancy’s advice has appeared in Redbook, US News and World Report, Ladies Home Journal, Fortune, Working Mother and the Wall Street Journal. Nancy’s workshop, “Part Time Careers for Full Time Mothers” was the subject of a feature story in the December,1998 issue of Working Mother magazine.She holds a M.S. in Career Development from the College of New Rochelle and a B.A. in Psychology from the University of North Carolina/Chapel Hill. Prior to establishing her private practice, she was the co-owner of an employment agency and worked as the Director of Human Resources for Air Express International Corporation, and as the Assistant Director of Personnel for Saks Fifth Avenue. She is a member of Working Mother Magazine’s Reader Panel, the Career Masters Institute, The Alliance of Work Life Professionals, the Career Coach Institute and the Westchester Career Counselors Network.

To learn more about Nancy's telephone consulting option - CLICK HERE