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3Evaluating Professional Advice: 11 Questions to Answer Before You CommitObtaining professional advice is a

significant step and should not be ap-proached lightly. As with investors and their objectives and constraints, pro-fessional advisors also differ in their philosophy, processes, services, edu-cation, experience, and their ability to add value.

Professional advisors work in many fields and hold various titles, such as investment advisor, financial planner, accountant, estate planner, insurance agent, and stockbroker. Over the last few years, most professional advisors have seen their roles expand and now the lines among them have become greatly blurred. Today it is now com-monplace to meet an insurance agent who is also registered as an investment advisor or a stockbroker who engages in the practice of estate planning.

With so many potential professional investment advisors to choose from, the process can seem daunting. Remember, not all professional advisors are equal! Some advisors may say the same things as others, but when you investigate fur-ther you will discover signifi cant diff er-ences. Th e following are 11 questions you should investigate when evaluating a potential fi nancial advisor.

Question 1: What financial servic-es do the advisors offer?

It is important to first determine what services you are seeking: in-vestment counseling, total financial planning, estate planning, and/or tax preparation. When you know that, you should investigate whether or not the advisors offer these services. This is important because most professional advisors do not offer a complete array of services. It is common for advisors either to have relationships with out-side advisors who can address the ar-eas not serviced or, if their firm is large enough, to have someone else in their firm handle separate services.

Question 2: Do the advisors offer customized portfolio solutions or more of a cookie cutter solution?

Regardless of your financial objec-tives and constraints, some financial advisors only offer one or two ap-proaches to managing wealth, spe-cifically portfolio management. For instance, you may find advisors who build practically the same portfolio for all of their investors without taking into consideration their ability or will-ingness to tolerate risk. Most financial advisors realize that customized port-folios provide the best way to achieve investors goals and objectives. How-ever, be cautious and ask how tailored their portfolio solutions are.

Question 3: What are the specific qualifications of the advisors?

What education do the investment advisors have? Bachelors? Masters? Find out what their degree is in: fi -nance, accounting, marketing, econom-ics, literature? You would be surprised at the number of practicing advisors who have either no bachelors degree or a degree in a fi eld unrelated to fi nance and investing. You should also investi-gate whether or not the advisors have earned professional designations, such as CPA (Certifi ed Public Accountant), CFP (Certifi ed Financial Planner), CFA (Chartered Financial Analyst), or ChFC (Chartered Financial Consultant). Hav-ing a designation illustrates commit-ment and very specialized knowledge that can separate the top advisors from the rest of the pack.

Question 4: How much and of what type of experience do the advisors have?

You should find out how long the advisors have been in practice and how long they have been in their present role. A follow-up question could ad-dress the advisors specific work expe-rience. Also, do not be fooled by age. Many advisors who enter the business late in their careers have as much (oras little) to offer as someone straight out of college.

Question 5: How ethical and trust-worthy are the advisors?

This question is obviously very sub-jective and not always easy to answer when you first meet potential advisors. A good way to approach this question is to investigate their backgrounds, specifically whether a regulatory or-ganization or private association to which they belong has publicly disci-plined them. To check on an advisors regulatory records, you should contact FINRA (Financial Industry Regulatory Authority, Inc.) or any association the advisor may be a member of, such as the Certified Financial Planning Board of Standards or the CFA Institute.

Question 6: What are the advisors investment process and investment philosophy?

Some advisors have been known to wing it when designing portfolios because they either have no philoso-phy or fail to adopt one. You should ensure that advisors you are consider-ing incorporate asset allocation into their investment philosophy and apply it to their portfolio management pro-cess. Also, you should consider inves-tigating whether or not advisors adopt some sort of plan for building an opti-mal portfolio. Asking questions at this point is very wise and will minimize is-sues going forward.

Question 7: What is the advisors tax management philosophy?

Advisors approach the tax manage-ment issue from different viewpoints. Some advisors underemphasize tax management while others overem-phasize it. Specifically, ask about the general degree of turnover, how they incorporate tax management into the rebalancing phase, whether or not they can incorporate tax losses or gains generated outside of the portfolio, and how they approach the issues of loss-harvesting and exchange strategies.

Question 8: What are the fees and by what method are the advisors paid?

Th ere are many ways an advisor can be compensated: commission, a percentage of a portfolios market val-ue (asset-sized fee), hourly fees, fees for individual services performed, or any combination. Th ere is no right or wrong fee structure. Th e best fee struc-ture is what makes sense and is the best fi t for you. Most advisors will be able to provide the investor with a written doc-ument outlining their fees. If an advisor cannot provide this, move on. Dont be afraid to ask about fees up front.

Question 9: What is the long-term performance or track record of the advisors?

The vast majority of advisors can provide you with some sort of perfor-mance composite for you to review. When reviewing performance infor-mation, be sure to learn which bench-mark (s) are employed (such as the S&P 500), how well the advisor per-formed against the benchmark (s), the consistency of performance over long periods of time, the volatility of per-formance [especially in relation to the benchmark (s)], the growth of assets under management, and the statement of whether or not the performance conforms to CFA Institute standards. If any of these items are not voluntarily provided, ask the advisor to provide them. If the performance was not cre-ated according to CFA Institute stan-dards, ask why. Performance is suspect when the advisor has not conformed to any standards, especially the tough CFA Institute standards. The CFA In-stitute is the organization that oversees the Chartered Financial Analyst (CFA) designation.

Question 10: What is the profile of their typical investor?

Your goal here is to find out whether or not the advisor under investiga-tion is knowledgeable about your ob-jectives, constraints, problems, and solutions. Some advisors work with everyone, thus are jacks-of-all-trades, whereas others work only with special-ized groups of people, such as affluent investors; thus they are exposed day in

and day out to the issues faced by thatgroup and how best to deliver a target-ed solution.

Knowing the typical clientele gives you a good idea of the type of problems and solutions the advisor is most expe-rienced with. Since some people re-quire very specific financial solutions, knowing the typical investor will help you to discover whether or not that ad-visor can effectively work with you.

Question 11: Is there a personality fit?

The last question deals with whetheror not you can work with the advisor.This question is more intuitive-ori-ented rather than objective-oriented. Usually after the first meeting you will know if there is a fit or not. Is the ad-visor more serious or humorous? Is the advisor intense or low-key? Is theadvisor more professional or down-to-earth? Does he or she play golf? Dida friend refer you? Are your interests similar? Questions like these will help you determine if your personalities mesh, which makes dealing with eachother so much easier.

In addition to the questions present-ed, another good way to evaluate aninvestment advisor is to review whatis called Form ADV Part II. This form is required by the Securities and Ex-change Commission (SEC) or the stateof domicile of all investment advisors. In addition, all investment advisors are required to provide this document toprospects before any services are pro-vided. If you are not given one, be sureto ask for it.

Asset allocation does not ensure a profit or protect against a loss. Theopinions voiced in this material are for general information only and are not intended to provide specific advice or recommendations for any individual.

Source/Disclaimer:Excerpted from Understanding Asset

Allocation by Scott Frush. Copyright 2007 by The McGraw-Hill Companies.

Required AttributionBecause of the possibility of human

or mechanical error by Wealth Man-agement Systems Inc. or its sources, neither Wealth Management SystemsInc. nor its sources guarantees the ac-curacy, adequacy, completeness oravailability of any information and is not responsible for any errors or omis-sions or for the results obtained from the use of such information. In no event shall Wealth Management Sys-tems Inc. be liable for any indirect,special or consequential damages in connection with subscribers or othersuse of the content.

2015 Wealth Management Sys-tems Inc. All rights reserved.

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How to lose or rebuilt your creditBy Armen Karyan

What Is Credit?We are a country in debt. Not

only is our government in debt, but we, as Americans, are in debt ourselves, and the problem is just getting worse! Recent studies have shown that ninety percent of Americans have at least one credit card and they are using that card A LOT!

Th e average family carries a balance of between $7,000 and $10,000 on all their credit cards.

Over $1,000 per family goes on interest every year. And thats just the average some people owe much more!

Overall, Americans spend over $1 trillion every year on their credit cards, and owe more than $500 billion of it. If debt continues at the current rate, then one family in a hundred will be forced into bankruptcy. Over 90% of Americans dispos-able incomes are spent paying back debts.

When you add credit card debt to the regular bills we have to pay each month, which can tax anyones budget. As a result, some bills go unpaid and others are paid late.

Both of these instances can damage your credit sometimes so much that you think theres no way youll ever be able to get out of debt and get credit for some-thing important like a home or a car.

Th e truth is that you can get out of debt and repair your credit nearly to what it was before you had credit problems. It takes some time and a little work on your part, but it IS possible.

Loan approvals and such de-pend on your credit score. Th at

number is what determines if you can get credit, what your in-terest rate will be, and how much money potential lenders will give you. A good median score is 750, but the higher your score is, the more fi nancially sound you are.

While its always a good idea to try and stay away from cred-it, not everyone has a hundred thousand dollars lying around to buy a home or twenty thousand to buy a car. Heck, for some peo-ple, scraping together fi ve thou-sand dollars for a good used car is diffi cult. Th ats why we need credit. So we can buy that which we cannot aff ord.

Where the trouble comes in is when people begin to buy every-

day items such as groceries and clothing on credit cards. Th en those bills begin to get bigger and bigger until pretty soon, theyre paying the minimum amount due which will take forever to pay off . Plus, a lot of people just continue charging things even when they have a large balance on their account.

Your credit score defi nes who you are to businesses and you want it to be as high as it can be. It doesnt matter how bad your credit is now. Th ere are ways that

you can raise your credit score no matter how low it is now. Dont despair; just get started right away!

First Th ings First Your Credit Report

Th e very fi rst step you need to take when trying to raise your credit score is to fi nd out what your score is and what it means. Legislation called the FACT Act was passed that allows all Ameri-cans to get one free copy of their credit report every year. Th is re-port lists all of your debts youve had and your payment history on those debts.

It will tell you where you owe money, how much you owe, and

how you pay (on time, 30 days late, etc.). All of that information is compiled together and then analyzed.

Aft er the analysis, a number is assigned to you as to what your credit fi tness level is. Potential creditors then look at your credit score and decide if you are going to be able to pay back the amount of money you are requesting to borrow.

Th ats the short version. Actu-ally, there is much, much more involved in determining your

credit score. However, what should be important to you knows how to read your credit report and how to raise that score so that you are able to get the things you need. Remember that the things you NEED, not the things you WANT!

Lets start with how to get your credit report in the fi rst place. Th ere are three major credit reporting agencies that will off er you the one free credit report you get each year. Th ey are Experian, Trans Union, and Equifax. You can contact each of them directly in the following ways:

Equifax Online, you can fi nd them at www.equifax.com.

You can also order your freecredit report by mail. However,they only off er this option forfree to residents in the statesof Colorado, Georgia, Maine,Maryland, Massachusetts, NewJersey, and Vermont. All otherstates are required to pay a $10fee.

If you do want to do thisby mail, send your request toEquifax Information Services,LLC; Disclosure Department;P. O. Box 740241; Atlanta, GA30374. You can also call them at

18006851111. TransUnion Th eir web ad-

dress is www.transunion.com. Aswith Equifax, you can also makeyour request via mail by gettinga copy of their mail request formonline and sending it to the ad-dress provided. You can also callthem at 18773228228.

Experian www.experian.com is where you can make arequest for a credit report fromthis credit reporting agency. Aswith TransUnion, you will needto download a form from theirwebsite if you wish to requestyour credit report by mail. Byphone you can call 888 397 3742.

Th ere are also a myriad ofwebsites who will also allow you


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to download your free credit report from their websites, but they ultimately will just be for-warding you to one of the above websites anyway. However, they are worth checking out for the information that you can fi nd on them. Here are a few:

www.annualcreditreport.comwww.freecreditreport.comwww.creditreport.comwww.freecreditreportinstant-

ly.comTh e main thing is that you

will want to get your free credit report in order to fi nd out where you stand and how far you have to go to repair your credit. Most of the time when you download your credit report, you will be able to view and save it instantly. Save it to your computers My Documents fi le if you can. Th at way youll be able to print it out and refer to it as much as you need.

Also, some of these sites off er low-cost memberships that will alert you if a new item comes onto your credit report. Th eir services will off er many diff erent things, but purchasing a mem-bership is strictly voluntary and probably not necessary if you want the straight truth.

Once you get a copy of your credit report, its important to know how to read it. Th ere are going to be an awful lot of num-bers, abbreviations and terms youve never seen before. Trade lines, charge-off s, account re-view inquiries how do you read this thing?

Even though you get one free credit report each year, experts suggest that if you are serious about improving your credit score, you need to examine a report from each of the three major credit reporting agencies. Th is will, however cost you a small fee from the other two, so

keep that in mind.Why do they suggest you have

all three? Creditors can pick and choose which credit reporting agency they want to report to. Some will report to all three, but many wont. You may fi nd that what is included on one report isnt on another. Th e reports will have diff erent information be-cause its a voluntary system, and creditors subscribe to whichever agency they want if any at all.

A credit report is basically di-vided into four sections: identi-fying information, credit history, public records and inquiries.

Identifying information is just that information to identify you. Look at it closely to make sure its accurate. Its not unusual for there to be two or three spell-ings of your name or more than one Social Security number. Th ats usually because someone reported the information that way. Th e variations will stay on your credit report. If its reported wrong, leave it because it might mess up the link. Dont be con-cerned about variations.

Other information in this sec-tion might include your current and previous addresses, your date of birth, telephone num-bers, drivers license numbers, your employer and your spouses name. Th e data in this section is oft en used to verify your identity or to confi rm that the informa-tion you provided for an appli-cation is accurate. Small varia-tions in this data between the three bureaus are normal as each agency may have their own re-cording procedures.

Th e personal information section of your credit report may also include a consumer state-ment. Th is is a statement that you asked the credit reporting agencies to add to your report. Commonly, this statement is

used to explain a record on your report.

For example, Th e Smith Bank account from 2004 was a shared account with my ex-hus-band. Th is statement does not impact your credit score but may help you clarify a situation to a potential creditor or lender and improve your chances to obtain credit.

Th e next section is your credit history. Sometimes, the indi-vidual accounts are called trade lines. Each account will include the name of the creditor and the account number, which may be scrambled for security purposes.

You may have more than one account from a creditor. Many creditors have more than one kind of account, or if you move, they transfer your account to a new location and assign a new number. Th e entry will also in-clude:

When you opened the ac-count

Th e kind of credit (install-ment, such as a mortgage or car loan, or revolving, such as a de-partment store credit card)

Whether the account is in your name alone or with another person

Total amount of the loan, high credit limit or highest bal-ance on the card

How much you still owe Fixed monthly payments or

minimum monthly amount Status of the account (open,

inactive, closed, paid, etc.) How well youve paid the ac-

countOn Experians report, your

payment history is written in plain English never pays late, typically pays 30 days late, etc. Other comments might include internal collection and charged off or default. Charged off means the creditor has given up, thrown

in the towel. Basically, the com-pany has made eff orts to collect the debt, realized that its not go-ing to be paid, and subsequently wrote it off .

Other reports use payment codes ranging from 1 to 9; an R1 or I1 on a report is an indication of a good payment history on a revolving or installment ac-count. Oft en, the code key will be listed on the report so you can better understand what the codes mean, but they may not.

Credit accounts are divided into fi ve categories: real estate, installment, revolving, collection and other. Here is a better de-scription of each category:

Real Estate: First and second mortgage loans on your home.

Installment: Accounts com-prised of fi xed terms with regu-lar payments, such as a car loan.

Revolving: Accounts with opened terms with varying pay-ments, such as a credit card ac-count.

Collection: Accounts seri-ously past due that have been assigned to an attorney or collec-tion agency.

Other: Accounts where the exact category is unknown. Th is could include 30-day accounts, such as an American Express card.

Your credit report lists a sum-mary of the details and terms for each account. Th is summary includes information about the account number, condition, balance, type and pay status for each account. Th e summary for collection records is slightly dif-ferent.

Th e following information is for real estate, installment, re-volving and other type records:

Creditor: Th e offi cial account name. Th is name may be dif-ferent than you expect if your account is managed by a larger

fi nancial corporation.Account Number: Th is is an

identifying number for your ac-count. Typically, this would be a credit card number for a credit card account or a loan identifi ca-tion number for a mortgage.

A portion of the number is hidden for security reasons. A partial account number is all that is needed to fi le a dispute about the record.

Condition: Th is is the ac-counts status as open or closed, according to the most recent up-date from your creditor.

Balance: Th e amount you presently owe on the account based on the last reported activ-ity. Very recent activities may not yet have appeared in the bureaus computer system so this balance may be a few days out-of-date.

Type: Th e accounts specifi c type. Some common types are real estate, automobile, educa-tional and credit card accounts.

Pay Status: Th e accounts pay-ment status, according to the most recent update from your creditor.

For each account, the report also displays an illustrated pay-ment history over the last 24 months. Th ere will be a key at the top of this section describes each payment history symbol and what it indicates for your account. Green boxes marked OK show that your payment was made on time.

Most credit reports also give you more in-depth information about specifi c accounts. Th is is also an important part of the credit report youll want to re-view for accuracy.

Th e following information may be reported for your ac-count in this section:

Past Due: Th e amount of payment overdue as of the most recent reported activity. Very


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High Balance: Th e most you have ever owed on this account. In the case of a credit card, this is the highest balance youve ever charged. For a mortgage, it is the initial amount of the mortgage.

Terms: Th is is the number of payments you have scheduled with a creditor. Most commonly this applies to loan accounts. For example, an auto loan may have a repayment plan scheduled over 36 months and a home loan may have a repayment plan scheduled over 360 months.

Limits: For a credit card or other revolving account, this is the maximum amount you are approved to borrow.

Payment: Th is is the minimum amount you are required to pay each month toward the account.

Opened: Th e date the account was opened.

Reported: Th e last date when any activity for this account was shown. Activities include pay-ments, credit card billings and changes in your terms. Very re-cent activity may not yet show on your account, since it takes time for it to appear in the credit re-porting agencys system.

Responsibility: Th is indicates your responsibility for the ac-count. For example individual, joint or co-signer.

Late Payments: A summary of your 30, 60 and 90 day late pay-

ments over the past 7 years. Please note that the fi gures in the seven year history include any late pay-ments shown in the two-year his-tory.

Remarks: Notes about the sta-tus or condition of your account.

Collection accounts are ac-counts that are seriously past due and have been transferred to an attorney, collection agency or creditors internal collection agen-cy. As your debt is transferred be-tween diff erent agencies, you may see several records on your report for the same debt.

Only one record should be marked as open at a time. All the collection records and the original debt record will expire from your credit report at the same time. Collection records use a unique summary format on your credit report:

Creditor Name: Th e offi cial name of the company that is cur-rently attempting to collect the debt.

Account Number: An iden-tifying number for your account with the collection agency. Th is is not the same as the account num-ber on your original debt.

Original Creditor: Th e name of the original creditor where you accumulated your debt. Th is could be an account that is listed on your credit report (such as a credit card) or an account that is not listed on your report (such as a library, video rental or cell phone company). If this creditor

was a medical offi ce, the name may be masked for your privacy.

Responsibility: Th is indicates your responsibility for the ac-count. For example individual, joint or co-signer.

Condition: Th e current status of your collection record. For ex-ample open, closed or paid.

Original Balance: Th e amount of debt owed on the original ac-count before it was transferred.

Date Opened: Th e date the ac-count was transferred to the col-lection agency.

Date Reported: Th e date of the collection agencys last update to this account record.

Remarks: Notes about the ac-count as reported to each credit reporting agency. For example, this section may note that the col-lector has been unable to locate you or that you have not yet paid the debt.

Th e next section is the part you want to be absolutely blank. Th e public records section is never a good story. If you have a public re-cord on there, youve had a prob-lem that has required litigation. It doesnt list arrests and criminal activities; just fi nancial-related data, such as bankruptcies, judg-ments and tax liens. Th ose are the monsters that will trash your credit faster than anything else.

Here are defi nitions of the eight types of public records you could see listed on your credit report:

Bankruptcy: A legal fi ling that relieves a person of responsibil-

ity for all or some of their debts be-cause they are un-able to pay.

Tax Lien: A claim fi led by a lo-cal, state or federal tax agency against a person who ow-es back taxes.

Legal Item: A general fi ling. Th is is most com-monly a judgment against you in civil action.

Marital Item: A legal fi ling re-lated to a marital or divorce issue.

F i n a n c i a l Counseling: A public record in-dicating that a person has partic-ipated in fi nancial counseling.

F i n a n c i a l Statement: A type of lien fi led by a creditor against a persons property. Th is can be fi led when a loan is se-cured against per-sonal property.

Foreclosure: A record indicating that a mortgaged property has been taken over by the creditor because the borrower has

defaulted on the loan.Garnishment: A record indi-

cating a court order to withhold some or all of a persons wages to repay a debt owed to a creditor.

Th e summary information list-ed for each of these types of public records can vary. Here are some defi nitions of common record categories:

Type: Th e type of record. For example a tax lien, bankruptcy, garnishment, or judgment.

Status: Current status of the record. For example released, fi led or dismissed.

Date Filed/Reported: Date when the record was initially fi led or created.

How Filed: Th e role that you played in the public record. Usu-ally the record is fi led either indi-vidually or jointly.

Reference Number: Identify-ing number for the record.

Released/Closing Date: Date when the record was closed, re-leased or judgment was awarded.

Court: Th e court or legal agen-cy that has jurisdiction over the record.

Plaintiff : Th e plaintiff in the case of a legal judgment.]

Amount: Dollar amount of the lien or judgment.

Remarks: Notes regarding the public record as reported to the credit bureaus.

If the public record is a bank-ruptcy, three other fi elds will be visible.

Liability: Th e amount the court found you to be legally re-sponsible to repay.

Exempt Amount: Th e dollar amount claimed against you that the court has decided you are not legally responsible for.

Asset Amount: Th e dollar amount of total personal assets used in the courts decision. Th e Asset Amount can include items of value that can be used to pay debts.

Th e fi nal section is the inqui-ries. Th ats a list of everyone who asked to see your credit report. Any time anyone gets into the report, itll post an inquiry. Th at means if you try to apply for a credit card, its listed as an inquiry. Have you been shopping for a car? Every time a dealership runs a credit report, it shows. If you call the credit bureau and ask for a copy, it will be on there. Its a very detailed entry record. Generally, this is great for the consumer.

Inquiries are divided into two sections. Hard inquiries are ones you initiate by fi lling out a credit application or taking your child to the orthodontist. Soft inquiries are from companies that want to send out promotional information to a pre-qualifi ed group or current creditors who are monitoring your account.

You may have heard that a large number of inquiries can have a negative impact on your credit score, but youre probably OK. Th e vast majority of inquiries are ignored by the FICO scoring models. Th eyre not the steak in

the steak dinner, so to speak.For instance, the model has

a buff er period that ignores in-quiries within 30 days of gettinga mortgage or a car loan. It alsocounts two or more hard inqui-ries in the same 14-day periodas just one inquiry. You couldhave 30 in two weeks and it onlycounts as one.

However, on the other hand,having a lot of credit inquirieson your account could also showpotential creditors that you aretrying to live your life on creditwhich means you might not havethe means to pay back the debt.Th is is especially true if youvebeen applying for a lot of creditcards. And there are always manyopportunities to apply for a creditcard.

Of course, you know about allof the off ers that come in the mail.Th ey usually read Youve BeenApproved! as an enticement forfi lling out the application. Th is isnot always true with pre-approvaloff ers, so proceed carefully. Iusu-ally shred them up and forgetthem.

Another time that you will beasked to apply for credit occurs inpublic places and the companiesare off ering products for free inexchange for a credit application.Iwas at a baseball game recentlyand one credit card company wasoff ering free team T-shirts and allIhad to do was fi ll out their creditcard application. Ididnt do it, butwhat an enticement especiallyfor a fan!

Watch out, too, when you areshopping at your favorite depart-ment stores. Th ey also have store credit cards and may off er youa percentage off your purchasein exchange for a credit applica-tion. In general, this is not a badidea which we will talk abouta little later in rebuilding yourcredit because store credit cardsare great when helping rebuildingyour credit.

Th e bottom line is that if youdont need another credit card,dont apply for one. Its alwaysgood to have one on hand foremergencies, but having fi ve orsix can just be a temptation tospend beyond your means.

Th ere may also be a sectionon your credit report that listscreditor information. Th e credi-tor contact section lists the nameand contact information for eachcreditor that appears on yourcredit report. Th is can also in-clude the contact information forcreditors that have made inqui-ries.

Each creditors address is listedto the right of the creditors name.When available, a phone numberis listed for the creditor. Creditorswithout listed numbers should becontacted by mail.

So thats the fi rst step gettingyour credit report and going overit with a fi ne tooth comb. Butwheres that magic number yourcredit score? Lets begin with ashort section on the credit scoreitself and where it comes from.


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312

Working Moms Perspective on Modern Business Arena

As I sit on a fl ight heading to San Diego for a work conference, Icant help but wonder why our modern worlds idea of business tactics has come down to endless conference calls, needless fl ights and tedious conventions.

When I envisioned my busi-ness career, as I graduated the University of Denver many years ago, my idea of the per-fect job was walking into a cozy, yet contemporary, conference room, somewhere in a progres-sive part of the world, negotiat-ing a big size deal, heading to a fabulous hotel aft erwards and splurging my big bonus pay-check on yet another high end purse. Somewhere along the journey I imagined smart and sharp coworkers, delicious lunch cocktails and a genuine satisfac-tion with my professional self and my life achievements. All

in all I anticipated a direct cor-relation between energy spent by my challenged brain cells and a prosperous business outcome.

Th e reality of the modern business world hit me when Igraduated with a degree in In-ternational Business and entered the world of IT consulting with an undignifi ed third of the sal-ary promised by professors to all of us, na?ve graduates. Th e pay was only a small share of my disappointment. A more sig-nifi cant discouragement came about with my job responsibili-ties, when Iwas placed in a cu-bicle, given a headpiece and told to cold call prospects for the next six months. I lasted a few months, only to develop a life-long antagonism towards phones of all sizes and a desperate desire to break out of the matrix style cubicle domain of unimportant employees and fruitless conver-sations.

When I joined the mysteri-ously hidden world of reloca-tion industry, I was headed for conquest from day one. I was successfully promoted several times by remarkable leaders, who Ican proudly call mentors, and entered the world of man-agement without hesitation. To my surprise though, as soon as I landed in the executive work class category, my highly an-ticipated negotiations and seem-ingly important conference calls presented themselves in the dull-est light. Iremember looking up to the folks traveling business

class with their earpieces in and their laptops on at all times. Ire-call wondering what luxurious destinations they were headed to and what signifi cant, earth-shuttering and humanity-saving projects they were passionately working on. When I joined the ranks of traveling employees, minus the business class privi-leges, Irealized just how infl ated, over-exaggerated and time-wasting these trips are and how bureaucratic and repetitive the projects tend to be.

My boss and my bosss boss are on the road or up in the air for the majority of the year. So

are the rest of our executive team members and any other high ranking manager I have met across various industries. I truly dont know how they do it. Th eir wives and husbands are used to them being absent from home most of the time, while the employees themselves have long accepted the brutal reality of the modern world business arena: the land of infi nite confer-ence calls, useless business trips and boring conventions. Some folks Iknow have been traveling to more than fi ve conventions a

year for decades, in addi-tion to regular international business trips. When I ask my bosses and my work partners how they manage to stay sane through these trips, their answers are al-ways the same: you have to accept that travel is simply part of the job.

Luckily for me, my fe-male calling of becoming a mother along with my bosss sincere respect for motherhood has bought me two whole years of working from home and no required travel. However, I knew that the sugary idle period would soon come to an end. If I wanted to stay visible

and somewhat successful within my employer of choice, getting on a plane was only a matter of time. So here is my fi rst domestic trip to an industry wide conven-tion in San Diego, which marks my third conference in the past two weeks. Th e fi rst two were fortunately held in Denver. Im headed towards a massive gath-ering of international partners from around the globe, some of whom Ihave just met in Denver. As we wrapped up our lengthy conversations about business trends, performance metrics and country updates, we are now directed to yet another conven-

tion to participate in a number of new meetings with the same exact agenda.

Am I the only one wondering, why? I certainly know Im not the only one dreading the fl ight and leaving my toddler without a mommy for a week. A bunch of my Facebook female friends happen to be my colleagues from around the world and they are all complaining about having to spend the next few days apart from their little bundles of joy.

Yet, we all submissively get on the plane and do what we have to do to stay relevant.

Our jobs demand long hours spent on phone conversations with our colleagues, suppliers and partners, which could be easily summarized in one para-graph emails. Our responsi-bilities include infi nite meetings about the same topic, which are only necessary to enforce ac-countability. Our careers depend on our ability to withstand men-tal and physical exhaustion that comes with long conventions. Our distress originates from the routinely compiling email threads, all marked important and calling for immediate reso-lution. Majority of us, business folks, could easily convert our stretched out fi ve day work week into a compressed three day pro-ductive schedule with no fi nan-cial loss to the company. Instead, we continue to attend monoto-nous meetings, schedule worth-less calls and fl y across state lines to meet with people we barely know.

I have heard of progressive employers who are listening to their newly hired Millennials and are changing the rules to the conservative work game. Iguess one way such positive change has aff ected my work arrange-ment is my ability to work from home. In all fairness, as I fi n-ish this post on my way back

from the convention, it actuallyturned out to be productive timespent with our partners, withsome solid business opportuni-ties originating from forty plusmeetings our team has held inthree days. I certainly enjoyedthe top notch accommodations,expensed dinners and diversecompany of three thousand col-leagues from around the globe.Was the trip worth it for ouremployer as they spent thou-sands of dollars on sending us tothe convention? Time and newbusiness leads will only tell. Wasmy week long absence worth thesacrifi ced time with my fam-ily? Not even by a stretch whenI think of all the juggling mymother and husband had to gothrough to take care of my littlebaby girl. For the time beingthough, Ill justify my absencewith career progression andgenerous paycheck.

But I certainly want more.I want fl exible work hours andshorter work week to actuallyfi nd that healthy balance of workand home that everyone talksabout. I want to not travel un-less my physical presence is ab-solutely necessary to seal a majordeal. Iwant to limit the numberof conference calls I attend toonly those that result in a dy-namic outcome for all engagedparticipants. Iwant longer vaca-tion time and extended mater-nity leave. And I want bonuses,those generous, hard-earned andwell-deserved bonuses that Ivedreamt about as a fresh collegegraduate.

I wonder who will changethe rules to the business gamewe are currently in. Will it beus, Millennials, or the next gen-eration? In the world of Skype,WhatsApp, Uber and millionsof other high tech apps, the timehave come to challenge how wework and the sacrifi ces we makefor the job well done.

Olga Zagulova, founder of Th erussiannextdoor.com blog, was born in Moscow, Russia. She relocated to Colorado at the age of fi ft een and has been living in USA since then. Olga gradu-ated University of Denver with a Bachelor Degree in Interna-tional Business and has held sev-eral management positions since she joined a global relocation company in 2007. She currently resides in Colorado along with her husband and daughter and successfully manages her career along with her passion for writ-ing.


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Washington Virginia ValeVirginia Village:

Stompin Ground Games at Four Mile Historic Park!

*Kenny Be will also have special collectors cards at every event we do, celebrang all of Denvers wonderful hoods!

November 14 @ 4:00 PM - 6:00 PM

**Suggested Donaon of $5 OR bring old leers, photos, newspaper clippings, memorabilia, etc so that Historic Denver can scan them on-site for their collecon.(Stay tuned for updates)The Stompin Ground Games are a year-long neighborhood Olympics where arts, culture, and history collide in the name of civic pride. Well be in a dierent neighborhood each month and youll be entertained by the nest arsts and cultural groups our community has to oer.

You either came to Ruby Hill Park in October, or you missed out on the greatest day in recorded history.

Word on the street is that Four Mile Historic Park might be even coolerFor the second month of the Stompin Ground Games, were posng up at Four Mile Historic Park to celebrate and learn about the diverse mix of neighborhood history

and current issues in Southeast Denver: places like Washington-Virginia Vale, Virginia Village, Hilltop, and more.

The theme: Storytelling. Well be featuring a mul-cultural kids Fashion Show with students from McMeen elementary school, The Narrators, our poec scribe Molina Speaks, art from the Mizel Museum, Picture. Me. Here. and Kenny Be. Plus, A Lile Help, The African

Community Center, Community Language Co-operave, the Tranist Alliance, and hands-on acvies, cookies and more

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Nov 7 2015

23rd Castle Rock Craft ShowDouglas County Events Center500 Fairgrounds Dr., Castle Rock, CO

80104From: 9:00 AM to 4:00 PM

Nov 7 2015

2nd Annual Erie Holiday BoutiqueErie Community2750 Vista Parkway, Erie, CO 80516Vista Ridge Community CenterFrom: 11:00 AM to 4:00 PM

Nov 7 2015

Cocktails and tunes

Rising Sun Distillery 1330 Zuni St #J, Denver CO 80204

1330 Zuni St #J, Denver, CO 80204Starting: 7:00 PM

Nov 6 2015 Nov 14 2015Art SmartCherry Creek North Shopping District299 Milwaukee St., Ste. 201, Denver,

CO 80206

Nov 6 2015 Dec 27 2015Greenscapes

RedLine2350 Arapahoe St., Denver, CO 80205From: 11:00 AM to 5:00 PM

Nov 8 2015

Colorado Convention Center Public Art Tour

Colorado Convention Center700 14th St., Denver, CO 80202Starting: 1:00 PM

Nov 2 2015 Dec 31 2015

Olde Golden Christmas

911 10th Street, Golden, CO 80401Downtown Golden

Nov 10 2015 Nov 14 2015Rehearsals at WonderboundWonderbound1075 Park Avenue West, Denver, CO

80205Wonderbound Studio at Junction Box

Nov 11 2015Hot off the PressLapis Arts3971 Tennyson Street, Denver, CO

80212From: 6:00 PM to 10:00 PM

Nov 12 2015

Mixing Your MediaCore New Art Space900 Santa Fe Dr., Denver, CO 80204From: 12:00 PM to 9:00 PM

Nov 13 2015Extraction Opening ReceptionWalker Fine Art300 W. 11th Ave., #A, Denver, CO

80204From: 5:00 PM to 9:00 PM

Nov 13 2015

The Magic Show

Art Gallery at the DPAC1000 14th St. 1B-1, Denver, CO 80202Art Gallery at the Denver Performing

Arts ComplexFrom: 7:30 PM to 11:00 PM

Nov 13 2015 Nov 14 2015

Park Hill Art Club show and sale

5309 Montview Blvd., Denver, CO 80207

Park Hill United Methodist ChurchFriday: 4:30 PM 8:30 PM,

Saturday:10:00 AM 6:00PM

Nov 6 2015 Feb 27 2016

Bootleggers RevengeAdams Mystery Playhouse2406 N. Federal Blvd., Denver, CO

80211$39 $491:00 PM & 6:30 PM

Nov 6 2015 Nov 14 2015

Fiddler on the RoofCU Presents261 UCB, Boulder, CO 80309$22Friday & Saturday: 7:30 PM, Sunday:

2:00 PM

Nov 4 2015 Nov 29 2015

The Lion KingBuell Th eatre in the Denver Performing

Arts Complex1400 Curtis St., Denver, CO 80204$30+

Nov 9 2015

Improv Hootenanny 2 for 1 Improv TixBovine Metropolis Th eater1527 Champa Street, Denver, CO

80202$5Bovine Metropolis Th eaterStarting: 7:30 PM

Nov 13 2015 Dec 27 2015


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Shrek The MusicalLittleton Town Hall Arts Center2450 West Main Street, Littleton, CO

80120$25 $44Th ursday Saturday: 7:30 PM, Sunday:

2:00 PM

Nov 7 20154th Annual Organ Pipe TourHistoric Denver, Inc. 1420 Ogden St.,

Suite 2021820 Broadway (18th & Broadway),

Denver, CO 80202$20Trinity United Methodist ChurchStarting: 9:30 AM

Nov 7 2015ALO (Animal Liberation Orchestra)AXS.com3317 E. Colfax Ave, Denver, CO 80206$18Starting: 9:00 PM

Nov 7 2015An Evening with Machine Head3506 Academy Blvd N, Colorado

Springs, CO 80917$22.50RawkusStarting: 8:00 PM

Nov 7 2015

Rock-A-Belly FestivalFood for Th ought Denver900 Auraria Parkway, Denver, CO

80204$50Tivoli TurnhalleFrom: 5:00 PM to 9:00 PM

Nov 7 2015Sublime with Rome935 East Colfax Avenue, Denver, CO

80218$40Starting: 9:00 PM

Nov 7 2015William Topley3263 S Broadway, Englewood, CO


Nov 6 2015 Nov 8 2015Rachmaninoff Symphony No. 3 (Nov 68)Colorado SymphonyBoettcher Concert Hall in the Denver

Performing Arts Complex1400 Curtis St., Denver, CO 80204$29+Friday & Saturday: 7:30 PM, Sunday:

1:00 PM

Nov 9 2015City and Colour935 East Colfax, Denver, CO 80218$35.75

Starting: 8:00 PM

Nov 9 2015Rob ThomasParamount Th eatre1631 Glenarm Pl., Denver, CO 80202$45 $99.50Starting: 7:00 PM

Nov 11 2015Trio Solis, Baurs Chamber Music SeriesBaurs Restaurant and Listening

Lounge1512 Curtis St., Denver, CO 80202$20 $25Starting: 7:00 PM

Nov 12 2015Yamn3317 East Colfax Avenue, Denver, CO


Nov 13 2015Super Diamond3263 S Broadway, Englewood, CO


Nov 13 2015 Nov 14 2015Trey Anastasio BandKBCO1510 Clarkson Street, Denver, CO

80218$47.50+Starting: 8:00 PM

Nov 8 2015From Trash to Treasures: Recycling Holiday Greeting CardsGolden History Museums923 10th St., Golden, CO 80401$25From: 11:00 AM to 1:00 PM

Nov 11 2015Veterans Day at DRCRocky Mountain Dinosaur Resource

Center201 S. Fairview St., Woodland Park,

CO 80863Call for museum admissionsFrom: 9:00 AM to 5:00 PM

Nov 2 2015 Dec 31 2015Olde Golden Christmas911 10th Street, Golden, CO 80401Downtown Golden

Nov 12 2015 Nov 22 2015THE POLAR EXPRESS Train RideColorado Railroad Museum17155 W. 44th Avenue, Golden, CO

804035:00PM, 6:30PM, 8:00PM


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ARIES Mar 21/Apr 20Creativity will help you achieve much this

week, but its also important to maintain a practical outlook. Th ese two factors combine for a greater measure of success.TAURUS Apr 21/May 21

Romance is on your mind this week and you have to fi nd a way to fi t it prominently in your agenda, Taurus. If you have been busy lately, slow down to spend time with a loved one.GEMINI May 22/Jun 21

Home may feel like a personal retreat aft er the last few weeks you have been experiencing, Gemini. If you need rest, take it. Its not a sign of slacking off .CANCER Jun 22/Jul 22

Th is week you are bogged down by menial tasks and hope that something more exciting will come your way, Gemini. If you play your cards right, the weekend could be a blast.LEO Jul 23/Aug 23

Leo, a fi nancial boost may compel you to go on a spending spree. Just be sure you keep track of those purchases so you do not go overboard.VIRGO Aug 24/Sept 22

Virgo, your confi dence peaks this week and you take a leap of faith in a new arena. It may be a new job or a thrilling hobby. Travel is another option that may require bravery.LIBRA Sept 23/Oct 23

Libra, mingling can bring out the best in you, so get out there this week as much as you can. Show off your people skills and converse with people from various walks of life.SCORPIO Oct 24/Nov 22

Scorpio, this may be the best your social life has been in a long time. If you have

opportunities, try moving in diff erent social circles by joining clubs or becoming part of a volunteer group.SAGITTARIUS Nov 23/Dec 21

Sagittarius, your desire for adventure could soon see you booking a cruise or taking a trip around the world. For now, theres plenty to keep you occupied at home and work.CAPRICORN Dec 22/Jan 20

Capricorn, explore new avenues in your life, even if it makes you feel a little nervous to branch out. You might be surprised with what you fi nd if you give things a try.AQUARIUS Jan 21/Feb 18

Aquarius, research all of your options before making a big decision. Figure out the details before you make any changes that could have long-term eff ects.PISCES Feb 19/Mar 20

Try to exercise more vigorously and regularly this week, Pisces. Not only is it good for your body, its good for relieving stress.

FAMOUS BIRTHDAYSNOVEMBER 1 Penn Badgley, Actor (29)NOVEMBER 2 Kendall Schmidt, Singer (25)NOVEMBER 3 Roseanne, Comic (63)NOVEMBER 4 Matthew McConaughey, Actor (46)NOVEMBER 5 Kevin Jonas, Singer (28)NOVEMBER 6 Emma Stone, Actress (27)NOVEMBER 7 Lorde, Singer (19)

ARARRIEIEIES SS MaM r 212121/A/A/Apr 22200Creativity will help you achieve much this

opo poortrtunitieii s, ttry mmoviing inin dddiffiffiffeererentt sociaiai l llcircles by joining clubs or becoming part of a

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Haunted Denver

Th is Halloween in Denver you could pick from an array of fantastically frightful Haunt-ed Houses, like the 13th Floor

Haunted House, Th e Asylum Haunted House, and Th e City of the Dead Haunted House. For $2530 dollars, you could be scared out of your socks by ac-tors in professional make-up and costume. If you want to spend Halloween in a real haunted house, with real ghosts and spec-ters, check out these historic haunted spots around Denver.Th e Brown Palace Hotel

321 17th Street, DenverTh e Brown Palace Hotel is

packed with paranormal activ-ity. Hotel guests used to be able to purchase train tickets in a hotel offi ce. Sometimes you can still see train passengers carry-ing their luggage to tracks that have long since disappeared, and a hotel conductor walking

through a wall. One time in the hotel ballroom, an employee encountered a music quartet dressed in formal attire. When the employee told the quartet to leave, one of the musicians re-sponded, Its ok, we live here, and then the quartet vanished into thin air. An elderly woman in a long black dress has been known to complain to the front desk that the heat isnt working in her room. When the handy-man arrives, she has already dis-appeared.Buckhorn Exchange

1000 Osage Street, DenverTh e Buckhorn Exchange,

originally a trading post for set-tlers, is Denvers oldest restau-rant, and perhaps most haunted. Th ere are many reports of din-

ners hearing the voices and foot-steps of the miners, traders, and cowboys that came to the Buck-horn Exchange for a hot meal and a cold drink.Cheesman Park

1599 E. 8th Ave, DenverIts hard to guess that un-

derneath the massive expanse of green grass is a mass grave! Th ough most of the bodies were relocated in 1890, around 2,000 bodies belonging to criminals, outlaws, papers, and the diseased still remain beneath Cheesman Park to this day.Denver Childrens Home

1501 Albion Street, DenverOriginally named the Denver

Orphans Home, in 1888, a fi re in this building claimed the lives of several children on the third

fl oor. Th ough there have beennumerous exorcisms conducted,numerous ghosts of nurses andchildren have been seen andheard wandering the hallways.One nurse, rumored to have beenpushed down an elevator shaft byher fi nance, has been seen fl oat-ing down the third fl oor stepsacross the 50-foot length of thesecond fl oor hallway in the wed-ding dress she never wore.

To take an organized ghostand ghoul tour, check out:Capitol Hill Ghost Tours, BlueLantern Ghost Tours, PhilGoodsteins Ghost Tour StateCapitol Building, Banjo BillysGhost Tour, Moonlight History& Mystery Tour Riverside Cem-etery, and the Denver Under-ground Ghost Tour!

A Russian-American ThanksgivingIf I know any two things about

Russians, I know that they love food and mayonnaise. Th ere is also generally recognized fond-ness for copious amounts of but-ter and sour cream. Iknow this because I have spent two solid months only eating Russian food. Kasha for breakfast. Root veg-etables for lunch. Beef, chicken, or pork for dinner. Bread and butter is not limited to specifi c occasions. Put sour cream on ev-erything, it doesnt matter what it is. Soup? Sour cream. Pancakes? Sour cream. Bread? Butter. Or sour cream. When you are in-vited to dine with Russians, be aware that it is considered to be enormously impolite if you do not consume as much food as your body can physically handle, and then aft er you have reached the breaking point between be-ing full and being sick, you must

try some more. If you have never experienced Russian home cook-ing, or you have never celebrated an American Th anksgiving, Ihave created a menu plan that combines the best of both. Pick and choose what sounds good to you and fi nd recipes that you like online. Every dish listed is Easy to Moderately diffi cult. Be sure to include enough prep time for peeling and chopping vegetables.

AppetizersGolubtsy Stuff ed Cabbage

Rolls cabbage, rice, onion, beef, pork, carrots, parsley

Vinaigrette beets, potatoes, carrots, green peas, sauerkraut, pickles, onion

Borscht Soup with Sour Cream beets, cabbage, pars-nips, celery, garlic, onions, and marjoram

Spinach and Artichoke Dip parmesan cheese, spinach, arti-

choke hearts, sour cream, cream cheese

Sweet and sour picklesWhiskey BBQ MeatballsDeviled EggsBlack or Red CaviarBlack or Rye BreadSoft ButterMainsOlivie Salad potato salad

with potatoes, carrots, eggs, ham, pickles, cucumber, peas, mayo, onion, and dill

Sweet Potato Casserole sweet potatoes, brown sugar, raisins, nuts, marshmallows, cin-namon, nutmeg

Chicken Kiev breaded chicken breasts, butter, pars-ley, tarragon, garlic, parmesan cheese

Whole Smoked Salmon with Lemon

Green Beans with Lemon and Almonds

Roasted Brussels SproutsCranberry Sauce cranber-

ries, red wine, sugar, orange peel, cinnamon

Bread Stuffi ng bread, celery, walnuts, onions, sage, thyme

Mushroom GravyDessertBerry Pinwheel Cake with

Whipped Cream vanilla cake, lemon curd, whipped cream, strawberries

Pumpkin-pecan pie with Whiskey Butter Sauce pump-kin, pecans, brown sugar, egg, heavy cream, vanilla, cinnamon, allspice, nutmeg

Russian Tea with Raspberry Jam

Assorted Russian CookiesDrinksRed wineWhite wineVodkaSpiced/Spiked Cider

Important Points of EtiquetteFor Americans: On holidays

and gatherings, Russians like togive toasts, about every fi ve toten minutes. It is unlucky to toastwith an empty glass. Make sureyou have at least a quarter inchof liquid in the bottom of yourglass. When you drink to a Rus-sian toast, do not slam your glasson the table as you might nor-mally do when fi nishing a drink.It signifi es that you did not agreewith the person who was givingthe toast.

For Russians: Americansdrink beer and watch football onTh anksgiving. Do not stand infront of the TV screen. Do notwalk in front of the TV screenunless the oven is on fi re andthere is no other exit. If you donot know anything about Amer-ican football, just smile and sayyou like the Broncos.

Five sure ways to ruin your next job interview

Natalia Devlin, local HR and staffi ng expert

Next time you get on the job market, make sure to avoid these obstacles on your way to nailing that perfect interview.

Arriving late or even early. When it comes to interviews, just be on time. Coming in 2030 minutes ahead of a scheduled time slot tells your potential em-ployer that you do not respect other peoples time. It also could expose you to things you do not want to see or hear, such as oth-er interviews ending or people

scrambling to fi nd your resume. You will feel more stable and con-tent not knowing who are other candidates If you arrived early, you could review your resume in your car or freshen up before you enter the offi ce. Ideally, you want to enter the offi ce of your poten-tial employer just 23 minutes before the actual scheduled time. By no means is late considered appropriate. Even having a cell-phone and calling ahead to let the interviewer know you are running behind is not an excuse. Being on time is a basic expectation of any employer, so be sure to comply.

Looking out of place. Th e worst case of a bad dresser Ihave ever heard of is a person wear-ing cycling gear (including a helmet!) to a job interview. For many places of employment, the standard business suit is a per-fect solution, but you need to keep in mind that start-ups and tech companies oft en encourage casual looks for their employ-ees, and wearing a suit to those

offi ces would be something to laugh about. So, understand the environment before you enter it. Online research on the Careers or About parts of organizations website might provide the nec-essary information. Check the photos of the founders and group photos of the team. Also, certain industries have fairly specifi c dress expectations. For example, clothing stores would look for a stylish dresser with a trendy hair-style, while customer service fo-cused businesses might expect a conservative, polished look.

Speaking of your profes-sional experience in a negative manner. Being too critical of your former boss or complain-ing about work conditions might come across as not being so-ciable or not being able to face the challenges that come with change in your work environ-ment or with new co-workers. Nobody wants an infl exible, neg-ative person on their team. So, instead of saying: Iquit my job

at a shoe store because of stinky feet, market yourself as a person who is mapping out their whole professional journey: A shoe store taught me invaluable les-sons in customer service, and the position of a receptionist at your salon would help me grow on my path in beauty industry. And instead of: Ihad to deal with a lot of jerks, you could mention: My responsibilities included assisting challenging customers and oft entimes Iwas able to turn their experience around.

Oversharing. While it is good to connect with your in-terviewer on a personal level, there are certain topics that you should avoid: recent surger-ies or health problems, lack of transportation or babysitting arrangements, current pregnan-cies or recently battled addic-tions and so on. Anything that might paint you as unreliable should be omitted. Also, men-tioning confl icts with a previous employer or a customer could

be a big red fl ag in many profes-sional settings.

Not asking any questions.Th ink of the questions you wantto ask in advance and make sureto ask at least two. Certainly, youdo not want to focus on moneyonly, but if the salary range wasnot mentioned to you by the endof the interview, it is reasonable toask one question about compensa-tion, terms and benefi ts. But makesure that your other question isabout something else. For ex-ample, about professional growthopportunities or about specifi cparts of the job you want to know.Good questions would be: Wheredo you see the person that getsthis position in two years? Whathappened to the person you arereplacing? Did they get a promo-tion or leave? How long have youbeen with this company? What isyour favorite part about your or-ganization? At the end, you wantto make sure that you know aboutthe new job as much as the inter-viewer knows about you.

Stacey Mann


3 25

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