Work/Life Balance

Health Care Options For Recent Graduates

Insuranceforgrads_sept2011_web Graduating from college is a commendable achievement, but it can take some time to secure your first professional job. Many times the biggest fear and headache of being an unemployed college graduate isn’t making enough money. It’s health insurance.

The hassle and confusion of finding heath care coverage can be overwhelming, especially when you’re fresh out of college looking for work in a still-struggling economy. But, there are alternatives for those just coming onto the job force.

1.     Stay on your parents’/guardians’ coverage. 

Often the easiest and most popular option is to remain on parental or guardian coverage, especially since the passing of the Affordable Care Act of 2010, which allows dependants to remain under their parents' or guardians' insurance until age 26. But, for some that may not be an option.  Restrictions and extensions of coverage vary by state, so make sure to check your state’s rules and regulations.

2.     See what your school has to offer.

Universities know that graduates seeking their first jobs have limited options. So, many have extensions of their student health insurance plans for recent alumni. Contact the university office or the alumni association in charge of the student health care plan to see if they offer any coverage to recent graduates

3.     Find your own coverage.

If you’ve graduated, or are getting ready to in December, and aren’t covered by your school or parents/guardians insurance, this may be your only option until you land a job. The most important step is to do your research. There are sites like Consumer Reports and HealthCare.gov that will take you through what coverage best fits you. Ask yourself how much freedom you want in being able to choose which doctors to see, if you need dental and vision coverage, and how much you’re willing to spend.

After getting hired, there are often still several insurance issues to consider. Many companies that offer health insurance have a mandatory evaluation period before new employees qualify for benefits. Keep this in mind when planning your coverage even after getting hired. Talk with the HR representative of your new company to find the option that will work best for you.

Finding coverage isn’t always easy, and can be very confusing and time consuming. But, it’s worth it in the long run to take the time to learn the ends and outs so you can spend more time focusing on finding that first job to start your career and less time worrying about your health insurance coverage.

 

By Jared Cole

Moving From a Small Town Job to a Big City Career

Smalltownbigcity_sept2011_webDeciding to relocate for work can be a very tough choice with many factors to consider. For some, choosing to pack up life and head for more opportunity could mean moving from a small town of several thousand people to a major metropolitan area with a population in the millions.

Preparing for a new job is tough enough with new policies, procedures, and supervisors to consider. Adding in the stress and headache of relocating to a new city can make it all very overwhelming.

There’s a strange paradox newcomers often feel when living in a major city. They are constantly surrounded by people, but can feel isolated and alone at the same time. People from a small town culture are inclined to have a more leisurely and open approach with each other. In larger cities, many are rushed with where they need to be and don’t have time for interruptions.

Adjusting to the culture shock can take a long time, especially if you move to an area without family or friends. Here are some tips to help you cope with adapting to your brave new world.

Do Your Research

Don’t go into things blindly. Find a place to live before you move. If renting, some tenants in large cities need at least two weeks to process your information and ready the rooms before allowing someone to move in. Get settled in before you start your new job to help make the transition smoother.

Calculate the cost of living, taxes, insurance, and other expenses before you make the leap, but also take time to look into the little things like parking, weather, public transportation options, laws, school systems, and population.

Once you’ve decided on the area to live in, figure out how it works. Being prepared for the culture of your new area will make things go much smoother. Find out the distance between your home and the office so you know how long it will take you to get to work.

Explore

It’s your city now, so get out there and meet it. Try to find a detailed map of your newcity and take some time to see it first hand. Make sure you’re aware of important things like local grocery stores, fire stations, hospitals, police departments, and banks that are closest to where you live. Also, take the extra step and introduce yourself to your neighbors. Many of them can have insights to the many perks the city has to offer.

Exploring the city will also help you figure out the shortest and easiest routes to work, as well as find the busiest and longest routes to avoid, giving you the best commute possible. Just remember to add in extra time for morning traffic. And, don’t be afraid to get lost. Finding your way back will only help you familiarize yourself with the area.

Get Involved

Making friends and acquaintances is one of the best ways to make the adjustment time shorter. That’s why it’s important to get involved with local clubs and organizations. It’s a lot easier to meet people outside of work if you get involved with something that happens regularly on a weekly or monthly basis. Whether you’re interested in sports or the arts, big cities will have a group getting together no matter what your interest may be. A good place to start is with your local chamber of commerce. Many chambers now have monthly professional gatherings.

Go ahead and challenge yourself to try something new. There is a lot big cities offer that small towns just don’t have. There are several charities and organizations that need volunteers, so use your free time to serve the less fortunate and meet new and interesting people at the same time.

Check with your company to see what community projects they’re involved in. Spending a Saturday building a house, helping out at a local shelter, or even running in a 5K that benefits a nonprofit is a great way to get to know your co-workers.

Escape

Sometimes the hustle and bustle of city life can be too much. It’s OK to occasionally take a break from the concrete and skyscrapers, and search out some flowers and fields. Many big cities have suburbs with a smaller-town feel, beautiful outdoor scenery, and less crowds.  So if you start to feel overwhelmed, spend a weekend or even just an evening out of town. 

If leaving the city is impossible, finding shops or stores that remind you of homecan help escape without leaving. Many coffee shops and cafés can provide a warm feeling of home when sitting inside their four walls, allowing you to relax and recharge for the next day at the job.

There are also many places in the big city that can provide sanctuary to the rush of city life. Find a park and spend some free time there. Being in nature can help expand your horizon and help you recover from the stress of the cluttered city.

Relocating may be a big decision, but there are several benefits to relocating for work. If the job is right and you’re in need of a good challenge, go ahead and take a chance on the big city.

For those who have already relocated, what have you done to adjust to big city life?

 

By Jared Cole

How to Be Punctual

HowtobePunctual_August2011_web We recently showed the benefits of avoiding tardiness. Now that you know why it’s important to be on time, this post will show you some tips and tricks to help keep you on time.

Address The Clock 
In most cases, the first step to overcoming a problem is admitting that it is indeed a problem. In this instance, the problem is being late or missing deadlines. If you find yourself continually rushing, chances are your tardiness is a problem. Take notice of how often you are late and consider the negative implications it can have on your career development.

Be Aware of Your Time
If you don’t already wear a watch, get one. Make sure it is synced with your computer, phone, car, and any other clocks that you’re around. Losing track of time can be one of the biggest reasons you are late. Setting your clocks ahead can be helpful, but be sure you don’t only rely on a clock running early to get you there on time. A true commitment to being on time is required.

Be aware of how long a task will take. When working on a big project consider setting up check points to ensure you will meet the final deadline. If you are working on a deadline driven project this is also the time to conduct research and to seek input to guarantee the best finished product. Keep track of how long it takes you to do tasks like dress for work, walk across your building for a meeting, or drive to a client’s location for future reference.

Be conscious of what you spend your time on. Reading the paper or surfing the Internet can become quick time traps. Just 10 minutes checking emails can quickly turn into half an hour or more. Stick to your allotted times for a given task and move on to the next meeting or project to prevent your day from getting out of control.

Plan Ahead
It’s not a good idea to assume everything will go smoothly. There’s a chance you won’t hit every green light on the way to work, so don’t leave your promptness up to chance. Try adding a 10-minute buffer to allow for the unexpected, along with planning on being 15-minutes early for everything you do. Would it be so bad to be early for things? The benefits outweigh the negatives, and you can always bring paperwork, read a book, or take advantage of your smartphone’s capabilities while you wait.
 
Plus, if you are working ahead of schedule on your projects, it allows time in your day to help out your co-workers or your boss. An opportunity to help others allows you to build your skills and deepen relationships within the workplace, but you need to make sure you have time to do so without harming your own schedule.

Be Ready To Go
Do not hit the snooze button and drift back to sleep. Have you ever taken a nap only to wake up even more tired than before? The same principle applies. Sit your alarm clock across the room if you have to, but resist the urge to hit snooze. Your body will adjust and get used to the new routine and you’ll begin to reap the benefits of getting adequate rest.

Prepare the night before to make your morning go smooth. If you’ve got children consider choosing clothes, gathering schoolwork, and packing lunches the night before to make getting out the door easier. Check to make sure your own work attire is clean and ready to go. Your peers can tell when you were running late and didn’t have time to iron your clothes or fix your hair. 

The first step in being on time is to admit you have a problem with running behind. From there you can start to take control of your schedule.

To Date or Not to Date

Datingcoworkers_June2011_web

Chances are you have had a crush on a co-worker at least once during your career. According to a recent survey conducted by CareerBuilder.com, four out of 10 workers say they’ve dated a colleague at some point in their careers, while three in 10 say they married the person they dated at work.

Journalist and co-author of Office Mate: The Employee Manual for Finding and Managing Romance on the Job, Helaine Olen, said “The office has turned into the village of the 21st century. Where else do you spend 12 hours a day?”

For many working singles, Olen’s take on the office is entirely accurate. Many see the workplace as the most convenient place to find a mate, as it is the place we spend the majority of our time. Although workplace romances are more common than they were five years ago, they are still met with some skepticism. Keep the following tips in mind when considering a current co-worker for a future partner.

Check the handbook.
Some companies have strict dating guidelines, while others have no rules whatsoever. Before committing yourself to a new relationship, see what your office thinks of it. In some cases the required steps may be as simple as notifying a superior. Although this process may seem a bit awkward and unnatural, just remember it is better to cover all the bases to protect both you and your crush’s working situation. If your company doesn’t have a specific policy regarding inter-office dating, it is still wise to be especially cautious and forthcoming with management – especially if your relationship involves a supervisor/subordinate. Being open about the reality of your relationship will help you avoid the appearance or reality of sexual harassment, favoritism, and other risks that come with dating in the workplace. 

Weigh the costs.
As cynical as you may feel, consider what will happen if your new relationship doesn’t work out. Breakups are difficult enough without the added stress of having to see your ex every day at the office. Consider how you will feel when faced with working alongside your ex daily and if that is something you can work through. Although planning for failure may seem counterproductive, knowing how you’ll handle a potential situation may help you make important choices regarding your office romances.

Proceed with caution.
Although this piece of advice should be applied to all new relationships, it is especially important when it comes to inter-office dating. One of the largest benefits of dating a co-worker is the fact that you are able to establish a friendship prior to dating. You will have the opportunity to observe how your potential mate handles pressure, and also how he or she treats others during stressful times. Caution is necessary because it maintains professionalism in your office. If you enter into a romance carefree and spontaneously, your co-workers may view you as a serial dater. However, if you enter a relationship with purpose and thought, your teammates will see your commitment to a professional work environment.

Maintain professionalism.
Whether it’s fair or not, the moment your new romance is made public, co-workers will begin to judge your work more critically. Teammates are waiting for your relationship to interfere with your productivity, focus, and ability. It is imperative you show your teammates your continued dedication to your work, avoiding all distractions including those that come with romance. Avoid common mistakes like fighting in the office, public displays of affection, and cutesy nicknames. Although these things are all normal outside of the office, allowing them to become routine in the workplace will decrease your professionalism in the eyes of your team. Also, depending on the exact nature of any of these behaviors you could face repercussions, even if you are interacting with a loved one.

Finding love in the office is no longer a taboo subject. In fact, it is becoming more and more common. However, the way you choose to conduct yourself when in an office romance is vital. Carry yourself with the utmost professionalism, avoiding the typical pitfalls many couples make, and you will be sure to be voted the cutest couple of the office.

4 Health Must Do’s and One Habit to Ditch Fast

HealthEating_April2011_web With summer quickly approaching, many are looking to firm up their diets and their tummies. By avoiding poor workplace diet and exercise habits, you will quickly find yourself a happier, healthier employee. Here are some tips to help.

Portion Control.
One of the biggest mistakes a snacker can make is simply eating too much. Although counting calories isn’t the only consideration to be made, it is an important one. A good rule of thumb is to eat snacks equal to the size of your fist. Whether you’re grabbing almonds, fruit, or even chips be sure to only grab a fist full. Additionally, limiting yourself to two snacks per day will keep your tummy from growling during office meetings while helping you keep off the pounds. 

Ditch the Soda.
Arguably one of the healthiest habits you can practice is drinking less soda. Incorporating more water into your diet will leave you feeling more hydrated and thus, more refreshed and energetic. Your new-found energy level will directly and positively impact your work ethic, helping you take on challenges and opportunities presented throughout the day.

Eat Your Fruits and Veggies.
The same nutritional rules from when we were younger apply; fruit and vegetables are always the best snack you can opt for. Try to find fruits and vegetables that are in season to ensure they taste delicious and are as inexpensive as possible. Visit your local farmers market for great in season foods. Incorporating more of these two foods into your diet will radically change your health and your performance in the office.

Exercise.
Exercising regularly will whip you into shape, while also creating a stronger drive to get healthy. Setting and achieving goals in the gym will give you confidence in your work goals and ability. Your newfound stamina will also allow you more energy and strength to devote to your daily tasks.

Reward Yourself.
Although healthy diet and exercise is key, you are allowed to reward yourself occasionally. We all deserve some “cheat days” and should be allowed to act upon some of our ever-present cravings. Just remember, all rewards should come in moderation in order to maintain the health you’ve worked so hard for.

Diet and exercise affect so much of our daily life, including our time spent at work. By adapting healthy habits today, you will ensure improved health and work performance for the future.

A Good Night’s Sleep Does a Body Good

Agoodnightssleep4-6-2011 How many hours of sleep do you get in a night? Eight hours? Five hours? Less than that? You’ve probably heard that the more sleep you get, the more refreshed and energized you will feel. But, with workplace related stress on the rise, many people are reporting they’re not getting enough shut eye.

Throughout history, studies have shown that the average amount of sleep an individual gets each night has been declining. In 2010, the National Health Survey examined the sleep habits of workers across several industries and found that, compared to findings over the last 20 years, there was a 6% increase in the number who reported getting less than six hours of sleep each night. 

According to a 2011 poll by the National Sleep Foundation, almost 63% of Americans surveyed said their sleep needs are lacking. On average, it was found that many respondents are only getting about six hours and 55 minutes of sleep each night during the week.

Although the “normal” amount of sleep is defined as seven to eight hours a night, these amounts can vary from person to person based on age, gender, what tasks are performed by that person throughout the day, and how much energy is needed to perform those tasks. Some people may require more sleep while others seem to require less.

So, how much sleep do you really need? The National Sleep foundation defines an adequate amount of sleep as being able to wake up unprompted, feeling rested and alert, rather than drowsy. When you don’t get enough rest, you not only feel drowsy, but you can also experience poor performance, decreased alertness, and increased chances for high blood pressure, heart disease, and diabetes.

So here are a few ways to ensure you catch some good Z’s each night

  • Turn off electronics close to bedtime.
  • Avoid caffeine in the evening.
  • Exercise regularly.
  • Establish a sleep schedule and stick to it.
  • Avoid daytime napping.
  • Don’t eat a heavy meal late at night.

These are just a few tips to help you get the rest your body needs. Make it a goal to start counting more sheep at night. The more sleep you get, the less stressed you will feel. And that will not only help you be more productive throughout the day, but also help you feel happier and healthier too.

5 Ways to Make the Most of Vacation Time

Beach All year long, you dream about taking a vacation – just relaxing and enjoying some “me” time. Studies show that a work-life balance is important to your health and mental well being. Vacations are all about cutting loose and catching a break from everyday worries. To make your time away from work the stress-free oasis you’re after, follow these few simple tips.

Give Plenty of Notice
Nothing’s worse than booking a week in paradise only to discover you can’t get the time off. Save yourself the headache and the cancellation fees by getting your supervisor’s written approval before making final arrangements. That way if your dates have to be changed, you won’t be out the cost of plane tickets or a hotel room.

This is particularly important if you want time off around holidays like Memorial Day or Fourth of July. Chances are many of your co-workers will also request holiday vacations, and the time off may go to whoever asks first.

Don’t Leave Co-Workers in a Lurch
When you know you’re going away for several days, prepare by completing assignments before you head out. If you have projects that can’t be done ahead of time, be sure to leave detailed instructions for your co-workers to complete.
 
Tying up loose ends at work will simplify life for you and your co-workers. You won’t have to worry about coming back to projects that were botched from a lack of knowledge. And your co-workers won’t stress over handling unfamiliar duties.

Unplug to Unwind
Make the most of vacation time by limiting access to your cell phone, computer, or other mobile devices. To really get a break from the demands of your work life, you’ll need to set boundaries.

If you spend your vacation time checking email, calling into the office for updates, or catching up with co-workers on Facebook, you’re not giving yourself the breath of fresh air you need. While a little connectivity can be a positive, too much screen time can suck the life out of your vacation.

Seize the Day
Can’t get away from work for a whole week? If finances or a hectic schedule limit your time off options, don’t despair. You can enjoy a great vacation even if it’s only for a few days. Consider fun, long weekend options like camping at the lake, getting pampered at a day spa, or enjoying rides at an amusement park. With a little creativity, you’ll find a short break can be just as refreshing as an extended vacation.

Stay Close, Save Big
Maybe traveling to an exotic locale isn’t in the budget this year. You can still get a breather from work without breaking the bank. Treat yourself to a staycation – a vacation at home.

A staycation can save you big money by eliminating the need for airfare, a rental car, or a hotel. Catch up on your favorite shows, read a few novels, and enjoy your friends, family and pets. You can even check out the local tourist spots that you’ve always heard about but never had time to try.

Everybody needs a little rest and relaxation from time to time. With just a bit of planning, you’ll ensure your time away from work is truly a vacation. Being flexible about when, where, and how long you’re away will open the door for you to try new things and give you the break you crave.