Mind and Money

Live your passion. Chase your dreams. Follow your heart.

These are things that have often been expressed during the 21st Century before the recession hit. Now the common expressions range from musings about saving money, making better investments with time and gaining solid work experience. Chasing dreams and passions seemed a lot easier before unemployment and a low economy became household conversations.

<small><small>Image courtesy of pioter</small></small>

Image courtesy of pioter

The steady decline of the economy has lead to droves of people being laid off and out of work causing dramatic increases in the unemployment rate. Google Public Data recently reported unemployment grew from 9.7 % to 10.6 % only in the last few months the highest it’s been in the past two decades. Even though skyrocketing unemployment rates have been a devastating blow for the United States, the amount of resilience found in those down-and-out is surprising, especially when it comes to women.

The New York Times stated in a recent article that the recession has been great for women as 78 % of the people who lost their jobs in the recession are men. Women have stepped up to the plate, headed into the work force and are approaching things with a new outlook.

While in the career flux, women are working hard to gain vital work experience and keep their heads above water. They are helping provide for their families, changing the face of industry and still finding time to give back to the community. There also has been an increase in volunteerism over the past two years as people are donating their expertise for philanthropic causes.

Focus in the work force has gone from an obsession with being the biggest in the business to a realization of becoming the best you can be in your respective field. This is an idea that Anslee Connell, a clothing designer and freelance photographer based out of Austin, has taken on in pursuit of her various careers.

As a freelancer and designer, Connell says she’s learning how to run a business. “There’s so much involved which I am still learning about,” says Connell. “I’ve been reading a lot of books, taking some informal classes, and using my friends and random strangers for references.”

But Connell doesn’t stop there. “I’ve also learned how to ride a bike, partially to one day save gas money,” she explains. “I’m giving another shot at learning Spanish through the trusty Rosetta Stone to see if that will help me land a higher-paying job.”

Connell is also trying a multitude of different things including singing in a blues/jazz band and tackling stand-up comedy. Her optimistic and inspiring attitude is reminding others that it can’t hurt to try.

Between clipping coupons and taking on a few more projects than normal, the recession is teaching women to be better stewards of time and money. It’s encouraging that even in this time of cutting back, cutting back dreams and passions doesn’t necessarily have to be part of the picture.

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As a number of governments, including Britain and France, have approached passing censorship laws on advertisements, a number of critical discussions have come to light in the courtroom. Some parliamentarians have speculated that censorship is this or that while others fully support the policies. The biggest arguments have been over the literal versus the emotional. The debate between advertising as a business expense and advertising as art is a huge battle being played on the ethical playground.


<small><small>Image courtesy of Cyclelicio.us</small></small>

Image courtesy of Cyclelicio.us

In the wake of the current technological revolution, advertisers have been caught in a creative vice. Though the use of traditional media like television, radio and print play a vital part in any advertising campaign, marketers are finding target markets harder to reach. Glitz and glam no longer catch the attention of specific demographics as most are over media-saturated. In efforts to wade through the online noise and social media clamor, advertisers have taken to guerilla tactics in order to captivate their audience. Innovative collaborations include:

  • Numerous bikes spray-painted neon orange were left all over New York City to promote DKNY.com. The bikes were located in front of coffee shops and chained to street poles at major intersections with the Web site painted on the side.

  • Piles of mock gold bullions complete with the phrase “If you have me, I was stolen” were planted throughout the streets of London promoting artist Paul Insect’s latest exhibit.

  • Aqua Teen Hunger Force created Lite-Brite type advertisements all over Boston to promote the Adult Swim Network show. The ads caused several large traffic shutdowns when they were mistaken for bomb threats.

<small><small>Image courtesy of Weburbanist.com</small></small>

Image courtesy of Weburbanist.com

Although it is exciting to see artistic creativity displayed through marketing there can be a serious danger in associating advertising with art.

With certain marketing tactics advertising can take a manipulative turn for the worst as marketers work to draw an audience to have an emotional connection with the product, idea or person. This was wildly popular throughout the mid-90s thanks to brands like Saturn and Coca-Cola and has now become standard practice in promotional planning. Advertisers have consistently found that if an audience has an emotional connection with a product, a loyal customer can be forged. Ethical lines begin to blur as speculation asks if this particular advertising strategy has an association with brainwashing.


The important thing to keep in mind is that although advertising is vital to advance in business and commerce, a solid system of checks and balances should be formed. Advertising needs a clean frame to work inside of and until a better solution is created the censorship debate will rage on.


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<small><small>Image courtesy of Garnet Gardenia</small></small>

Image courtesy of Garnet Gardenia

We all know her. That girl who has every piece of jewelry imaginable, seemingly every lipstick shade on the planet, and even donates her spare time to saving orphanages. So when the holidays roll around, what can you possibly buy this supergal?  For every wanna-be-recessionista desperate for a clue, here are a few gifts that might offer some refreshing and cost-friendly options.

That Philanthropic Girl

If this really is the season of giving, you can give two-fold by making a donation in your gal pal’s name to her (or your) favorite charity. Google and other search engines have made tracking down a charity relatively easy, but here are a few quick examples:

The Leukemia & Lymphoma Society

Kiva: Loans that Change Lives

The Elizabeth Glaser Pediatric AIDS Foundation

The Jonsson Cancer Center Foundation at UCLA

And of course, iatg.

That Reader Girl

A Gate at the Stairs by Lorrie Moore is the author’s newest bestseller. Perfect for all of us girls who appreciate a strong, female voice for the 21st century. Also try The Year of the Flood, Margaret Atwood’s sequel to Oryx and Crake.

That Cozy Girl

You can never have too many T-shirts, especially when they are so cozy, you’ll just want to live in them. I know that $80 for a T-shirt seems a bit much. But trust me, your fashion-forward friends will know you truly care with this Alexander Wang number and they can wear it out by sporting it all day, everyday to work or just to hang out. They run big and are dry-clean only, but a little known secret is that they shrink to the perfect size if you machine wash. It only adds to their magical softness!

That Moisturizing Girl

Laura Mercier’s Body Crème works both as a moisturizer and fragrance. They come in gift sets, but the crème on its own is enough ― maybe even better. It comes in four flavors, which are all fabulous, especially the Almond Coconut.

That Working Girl

Picking out work clothes can be boring and colorless, but thanks to American Apparel’s Sheer Luxe Shapes Pantyhose, you can give the gift of patterns. Great to be flaunted (or concealed) in any place of business or for after-work drinks.

That Fashionista Girl

Selected as one of Time magazine’s Top 100 Design Influencers, photographer Scott Schuman has created a revolution in fashion photography with his blog, The Sartorialist. Now, your in-the-know fashionista friend can log off her laptop and cozy under the covers with the book form, appropriately titled, The Sartorialist.

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Now some of you are going to think I have completely lost my mind with this one but trust me, this item is SERIOUSLY poised for a comeback! I’m sure most of you thought you had seen the last of the humble bum bag (or fanny pack to you, my delightful friends across the pond) in around 1995, but word on the street is that these handy belt-like handbags are about to storm back in an unprecedented fashion.

For those of you lucky enough not to remember them the first-time round, and to remind those of us who would rather have forgotten, let’s take a moment to reacquaint ourselves with all things fanny pack. Originally designed for travellers, cyclists and hikers for ease of access and protection from pickpockets, the pack reached popularity within the general public in the late 80’s to early 90’s. Their ease of access however made them a popular choice for gang members to store loaded handguns, which some consider to be the beginning of their demise.

While their popularity seriously dwindled by the mid 90’s, some designers have attempted to utilise the quirky irony of a bum bag by rebranding them as packs, to limited effect. However, while the hardcore 80’s revival is waning, subtle touches such as visors, skinny belts and the bum bag/fanny pack are the perfect accent to accompany the neons, block colours and geometric influences of this season.

So, what bum bags are available for those brave enough to embrace the biggest comeback since the legging?

Bisadora (available from ebags.com) offer a reasonably priced Hip Purse with chain belt that doesn’t scream bum bag, and is just a teensy bit chav-tastic. If you want to run with the trend, the obvious choice is to go vintage, and pick up an original pack from the past. Take it to the extreme with something vivacious and zany featuring wild patterns rocking a classic design, or keep it simple and on-trend with block colours. A great idea is to really commit to your look by adding matching nail polish.

Built by Wendy does some sweet-as-a-button fanny packs and this Brooklyn-based designer is seriously backing their momentous return with a price tag of $108 each!

However you decide to embrace all things fanny-tastic, the most important thing is not to take this look too seriously. And don’t be afraid to team your new best friend with jeans, flowing skirts or even a cocktail dress. Anything goes!

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Danielle T.:
Title: Holly’s Inbox
Author: Holly Denham
Written by a man under a female pseudonym, Holly’s Inbox is the perfect digital-aged way to become invested in a character and her exploits. Told through a series of email exchanges with friends and colleagues, Holly’s Inbox is the perfect “chick lit” tale of long lost love and the obstacles in its way.

Krista:
Title: Eat, Pray, Love
Author: Elizabeth Gilbert
Eat, Pray, Love is about a woman who goes through a divorce in her late 30s when she realizes that marriage and babies aren’t for her. She then begins a globetrotting journey to Italy (eat), India (pray), and Indonesia (love). It’s a fluffy book–sort of a chick flick read, but it’s nice to come home after work and have something better to do than watch reality TV.

Opal P.:
Title: The Wind Up Bird Chronicle
Author: Haruki Murakami
I’ve read every Murakami I could get my hands on, now I’m back to the one that set me off in the first place. Murakami takes a girl to Japan in ways you’ve never dreamed. This is the next step in fiction, and it was taken fifteen years ago. Read up!

Emily R.:
Title: Chasing Harry Winston
Author: Lauren Weisberger
I am on vacation in Maui and this is the perfect beach read.  The author of The Devil Wears Prada writes about three best friends in their late twenties and their very fabulous, yet unlikely lives. Most of us can find a piece of ourselves in each character, and the goals they are trying to obtain. It’s a great book if you need a vacation from reality, or if you’re on a vacation; a very stress-free, entertaining summer read.

Alexis:
Title: Getting Things Done
Author: David Allen
Here’s the deal with this book, it seems super dorky but it’s truly a LIFE SAVOR when it comes to how to balance life, work and all the other zillion things we have on our plates. It’s a super easy read and has invaluable advice to cope with hundreds of emails, scheduling time with friends, family, significant other and the annoying “to do’s” that seem never ending. I love it, I live by it and I’d recommend it to anyone.

Nalea:
Title: Queen of the Oddballs
Author: Hillary Carlip
HIllary Carlip’s Queen of the Oddballs is an endearing story for anyone who has ever felt like an outsider. Carlip interweaves humor into her tale of growing up frumpy in L.A. in the 1970s among Hollywood legends.
Quote: “What do you do when you feel so invisible you can’t sleep without a light on, afraid that in the dark you just might vanish entirely? Simple. Become someone interesting enough to be noticed. And that’s exactly what I did when I was eight years old.”

Rosalind:
Title: Hard-Boiled Wonderland and The End of the World
Author: Haruki Murakami
Murakami has recently become one of my favorite authors; this is probably the sixth book of his I’ve read in the last couple months. I absolutely love the way he plays with reality like puddy, melding it in each of his novels to create such a unique special world. At the same time, he is also able to delve deeply into our mundane experiences and pull out incredible empathy for his characters from his readers–well at least for me.

Morgan:
Title: The Collected Poems of Dylan Thomas
Author: Dylan Thomas
Some may consider reading poetry an easy task compared to embarking on a novel journey. The often ambiguous nature of poetry however demands a reader’s full attention and a certain level of conscious commitment while savoring. I love how Thomas can write such uplifting lines in his poems while still managing to create a sense of glorious insecurity.
Quote: “Time held me green and dying/ Though I sang in my chains like the sea.”

Kenzie:
Title: The Unlikely Disciple: A Sinner’s Semester at America’s Holiest University
Author: Kevin Roose
Ever wonder what it might be like to be a fly on the wall at a conservative religious university where there’s no smoking, no drinking, no swearing, and (yes, even) a curfew? Kevin Roose got curious and decided to take a break from Brown to spend a semester at Liberty University, founded by Jerry Falwell. The book seems to focus on the political temperament of the campus (which, I suppose, is to be expected) but you may be as surprised by what you find when you meet face-to-face with conservative evangelicals.

Natalie:
Title: The Valkyries
Author: Paulo Coelho
Dreaming big and believing in oneself are two important things we instill at iatg. Similarly, The Valkyries confronts a man’s battle with self doubt and fear–something everyone can relate to when chasing a dream.
Quote: “Have Courage…Open your heart and listen to what your dreams tell you. Follow those dreams because only a person who is not ashamed can manifest the glory of god… Be capable of loving, even if love appears to be a treacherous and terrible thing. Be happy in love. Be joyful in victory. Follow the dictates of your heart.”

photo by mircea sauciuc

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A job interview is a lot like a first date. The same anxieties and sweaty palms hack away at your confidence when all you really want is for your interviewer to like you. But before you psych yourself out, give these tips a try and you’ll be ready for the best (professional) first date you’ve ever had.

Don’t procrastinate.
Prep for the interview ahead of time, meaning days (not hours) in advance. You want to be comfortable in your interview, so anticipate the questions and practice your answers to make them natural. To prevent last minute rushes, choose your outfit the night before, and print out extra copies of your resume before going to bed. And remember, be punctual. Arriving late is the worst way to start your big day.

Act the part. On average, interviewers judge job seekers within 10 minutes of meeting them. And since nonverbal cues make up a majority of communication, every detail counts. Dress professionally for the position you’re going for. Reach out and greet your interviewer with a firm handshake and a bright smile. Act positively and don’t fidget even if you’re nervous. And most importantly, maintain eye contact to show interest and convey confidence.

Get connected. Your accomplishments got you the interview, but it’s your personality that will get you the job. Interviewers want to know how well you’ll fit in with the company, so work on your people skills and strike up some chemistry. Break the ice with small talk to show off your personality. If you find something that you have in common with your interviewer, share it. If not, share your common enthusiasm for the industry. Make your interviewer like you by connecting with them on a personal level.

Be yourself. But only to a certain extent – remember that you’re still in a professional setting. With that caveat aside, be sincere and genuine with your responses. Interviewers know what stock answers sound like, so say what you really mean. Personalize the moment by talking about your goals, accomplishments, and motivations. If a subject comes up with which you’re unfamiliar, don’t lie about it. It’s better to admit that you don’t know something than babble on about something you don’t understand. Interviewers are more interested in learning about a potential employee than hearing the “right” answers.

It’s not all about you. There’s a fine line between confidence and arrogance. So don’t cross that narcissistic border, and turn the attention onto your interviewers. This is where you can show off your research with thoughtful questions about the company and its future projects. To figure out how much room for growth you can expect at the company, inquire about your interviewer’s background. Express interest in the company and the company will express interest in you.

Remember your manners. You’re not only being interviewed by the person asking all the questions. Oftentimes, the interviewer will ask each person you interacted with (like the receptionist in the lobby) to comment on your behavior. This means playing nice with everyone, not just the execs. Also, send a handwritten thank-you note or a short email afterward to stay in your interviewer’s head. Not only will this prompt them to give you a second look, but it’ll show how persistent and interested you really are.

photo by billie, partsnpieces

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I didn’t grow up wanting to be an interior designer. In high school, I planned the Senior Prom. The experience was fun and slightly glamorous, but was also extremely stressful.

I went to film school, graduated and started writing for an entertainment magazine. But I didn’t really have an outlet for my creativity, so I headed back to school. Design school was so much harder than I imagined. Between writing papers on different styles of furniture and taking color theory classes, I had huge projects to complete in very short periods of time (just like a real interior designer).

Interior design is like creating a 3-D collage. Not surprisingly, it requires more than a good eye to be successful. I had to use math I learned ages ago, and draw in perspective. My architectural drawings were a little messy and weren’t perfectly straight. (Thank God for computer design programs!)

Here’s what I learned it takes to be an interior designer:

Passion. Just like any profession, it’s important to be excited about the job. Do you love shopping for antique fixtures? Do you rearrange your friend’s furniture? Then interior design might be a good fit.

Organizational Skills.
Fabric swatches, floor plans and paint samples are involved, but half of the work revolves around paperwork. When you start out as a design assistant at a firm, you’ll probably be in charge of ordering furniture, fabrics and accessories. You’ll need to expedite these orders and make sure everything happens on time. So it’s imperative you’re organized.

Teamwork. There are so many people involved in the design process, including vendors (like painters and upholsters), as well as fellow design team members. You have to work well with others.

Communication Skills. Since interior design involves communicating with both clients and vendors, you must be a descriptive writer, cordial on the phone and in person. Interior design is not for the timid. You need to appear confident in front of a client, and be able to communicate your vision. You’ll also have to make calls you don’t want to make (like pressuring vendors to deliver the product sooner).

Knowledge of Color, Fabrics and Furniture. As a designer, other people are relying on your eye. You need to know what looks good. Color theory is important in deciding how to design a room. You must know the basics in order to communicate with other designers and vendors.

Computer and Math Skills.
Drafting tables once played a huge part in interior design. Now a successful designer must be able to use AutoCAD (a computer drafting program). Learning AutoCAD is like learning another language. Large design firms have special programs that require specific computer knowledge. General knowledge of math and measuring is necessary.

Stress Tolerance. There are tons of deadlines and pressure from clients to get everything done as soon as possible. There’s a lot of room for errors, since so many measurements are needed. Nobody’s perfect — but designers try to be.

photo courtesy of carrie kravetz

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Because of your bullet-proof resume and your dazzling cover letter, congrats! You scored an interview. But before you celebrate by prematurely spending your first paycheck, remember that you’ve only made it through the first round of cuts. For most job-seekers, the interview is the most nerve-wracking and sweat-inducing part of the application process. So go into it prepared. Follow these tips, and you’ll walk into that interview feeling calm, cool, and ready to rock it.

Anticipate the questions.
You don’t have to be a psychic to predict what you’ll be talking about in your interview. Most questions are common across all industries, which means you can guess what you’ll be asked and prepare your answers beforehand. Some staple questions are “Tell me about yourself,” “What are your greatest strengths/weaknesses?” “Why do you want to work here?” and “Where do you see yourself in five years?” For industry-specific questions, scour the internet or check your school’s career center.

Research the company. Just as you’ve done with your resume and cover letter, know everything you can about the position you’re vying for. Businesses are narcissistic, and they want to hire applicants who show interest in what they do. So browse the company website, Google recent news about the company, and study trends that are happening in the industry right now. Key items to know are the company’s mission statement, names of upper management (like the CEO and founders), and current projects. Demonstrate that the employers are exactly what you’re looking for, and they might realize that they’ve been looking for you too.

Research yourself. The interview is the first time you’ll have some actual one-on-one contact with a face in the company. And the only way to make a personal impact is by knowing yourself first. Choose relevant experiences to talk about, figure out how this position aligns with your career goals, and understand your strengths and weaknesses. If you don’t know what you can offer, then don’t expect to be hired. So figure out who you are, what you want, and what you can give.

Tell a story. It’s not enough to list your accomplishments in a rapid spitfire. Hiring managers already know that from your resume. What they don’t know is the complete story of your experiences: give a beginning, middle, and end when you recount your past jobs. Try to detail an obstacle you faced, how you solved it, and the effects of your solution. Businesses want efficient problem-solvers, which means tales of leadership go a long way. Also, don’t be afraid to show off your personality. HR searches for people who will fit in with the company environment, not taciturn drones who are just there as cogs in the machinery.

Practice makes perfect. Even after all your preparation, you’re not done until you’ve rehearsed what you’re going to say. The interview should feel like a conversation, and in order to keep that flow going, you need to be comfortable with your answers. Review your responses in front of the mirror, or ask a friend to help you out. Just practice enough times so you can feel natural and relaxed during the real deal.

photo by pulpolux photos

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I’ve tried to budget before – wads of cash hidden under the bed, leaving the debit card at home – we’ve ALL tried. What I realized last spring was that I was trying to regulate a shadow, telling myself I had to spend a certain amount without knowing EXACTLY how much I was spending. My budget was based on how I thought I should be, not how I am. It’s time to keep a record of my rights and wrongs.

It’s laughable that at 27 I consider myself crotchety and set in my ways. Yet at any age, a willful decision is no walk in the park. So here I am, raising my glass of Vino Verde to an entire year of managing my money. If you’re nodding and thinking “yeah girl,” keep reading.

•    Pay UP! I get money from three different paychecks. Though I list these numbers at the top of each two-week entry, how much you start off with isn’t so important and I don’t look at them very often. What I do watch is what and where I spend.

•    Know Thyself. Split up your budget into less than 5 simple categories. I use:

Bills. Groceries. Eating Out. Expenses.

$12 for fishnets ordered off sockdreams.com is an expense. Deli pasta salad at the co-op is eating out. Save those receipts and mark down the totals, the automatically debited car payment, the money you count out in quarters from the tip jar.  Staying on top of the paper is the most annoying bit, but it keeps me on track with my budget maintenance because once there is more white than green in the pocketbook, it’s time to evaluate.

•    Knowledge pays. I began shuffling money into my savings account within the first month. By that point, I had noticed a trend in my spending: roughly $60 bucks a week on non-essentials like manicures and beers at the Duck Island. So, if I didn’t spend the expected amount I would simply pull open a new tab and transfer it into savings.

•    Keep it simple. I use Excel, but a notebook and a calculator will suit. Do the math yourself; let everyone else play Sudoku.

It sounds too easy, but trust me. Once you start writing it all down and focusing on where your money goes – you’ll spend less. And it’s not about ‘accidentally’ charging appetizers and french75’s at Oliver’s Twist and having to forgo going out for a week to make up. I splurge, totally. Having a budget simply let’s the smart girl know what cards she’s willing to throw down on the table.

Let me put it this way: my spreadsheet is better reading than a diary. When you can read through your budget the way you look at old photo albums there will be a new understanding that takes place. Those little white slips of paper will start to mean something; they are proof…of who you are and how you can change.

photo by jeff keen

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Still waiting on that dream job? Or having no luck with your search in the current economy? Then you might want to rethink your resume. On average, only one interview is granted for every two hundred resumes received. And employers typically judge a candidate within five seconds of perusing that all-important document. So use these tips to bulletproof yours – that one-page file could be the key to your future.

Get back to basics. An effective resume will land you a job interview, not the job. So treat it as a marketing tool that will pique interest in you and your skills. Make your resume clear, catchy, and concise by keeping it organized and easy to read. This means a simple font, plain white paper, and bullet points. At the top of the page, bold and center your name in large font with your contact info listed immediately underneath. Then arrange your education, work experience, strengths, and achievements in descending order of importance.

Have an objective. The most common mistake that people make with their resumes is leaving out the job objective. When written correctly, a clearly stated goal won’t confine you; demonstrating that you have a sense of direction will prevent your resume from getting chucked into the recycling bin. Employers hate wasting their time and money, so tell them what you hope to achieve at their company.

Make it concrete. A resume isn’t just a list of your previous jobs—it’s a summary of the qualities and strengths that helped you thrive in your past experiences. Since employers seek to hire problem-solvers, paint a vivid picture of the problems you’ve solved! Fill your resume with descriptive action words that spice up your achievements. Better yet, specify an obstacle you conquered, the actions you took, and the results that followed. Throw in numbers and percentages to make your results tangible.

Trust me, you have experience. Right out of college or still a student? Don’t worry. You really do have marketable skills. Flaunt your GPA and SAT scores if they’re especially high. List courses that relate to the position for which you’re applying. If you don’t have a degree yet, state your expected year of graduation. Remember, extracurriculars and academic accolades speak volumes about your leadership skills, intelligence, and ambition, so don’t sell yourself short. Just because you may not have had a “real” job, doesn’t mean you don’t have real and applicable experience.

Edit like mad.
Once you’ve written your resume, attack it with a critical eye. There’s nothing worse than saying that you’re detail-oriented, but your resume is filled with typos and grammatical errors. And proofreading doesn’t just mean using your computer’s spell check. Since a resume should only be one-page long (two pages at the very most), make every line count by ensuring that you only include relevant information. Tailor fit your resume (and your cover letter while you’re at it) to each company’s needs, and opportunities will present themselves.

photos courtesy of socialisbetter @flickr

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