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My Varied Job History

This article was written by in Career and Work. 17 comments.

For some people, finding the right career is easy. During formative years, perhaps one skill outshines all others, directing someone to develop that skill over time. Perhaps there is one particular area that develops into a passion, and the only choice is to follow that passion regardless of the income potential. In my formative years, I found myself interested in a wide variety of things, any of which could have developed into careers, some of which could have been very lucrative.

I can no longer recall the order of my earliest jobs. One of the first, while I was in high school, was as a computer programmer for a small consulting firm that developed custom applications for clients. I fumbled my way through the VisualBASIC programming language, which was fairly new at the time, after several years of hobbyist programming in BASIC. My assignments were relatively easy, but they gave me a chance to learn a skill that could prove to be useful — if I were to keep up with programming and turned it into a career. I studied C and C++. I spent hours of my own time writing and rewriting software for my bulletin board system that hundreds of people accessed by dialing with their computers’ modems. If I had wanted to, I could have taken my computer programming knowledge further by studying in college, but I had other plans.

Radio ShackAnother early job during my high school years was working at Radio Shack. I didn’t know much about electronics other than computers, and I didn’t know anything about sales. I left the job knowing that I had no interest in working in retail again. Customers were generally unhappy. Although the company’s catchphrase at the time was, “You’ve got questions; we’ve got answers,” a phrase I was required to utter every time I picked up the store’s phone, occasionally people asked questions for which I didn’t have an answer. Compensation was partly commission-based, and the main goal seemed to be to push the TSP (Tandy Service Plan), which even as a teenager I could see that was almost always a bad deal for the customer. I didn’t want to push extended warranties, and I didn’t want to bother every customer by asking them for their phone number. Eventually, whatever break from school I was on that allowed me to spend time at this job was over, and I left retail never to return.

In college during the year, I occasionally allowed myself a job, but my schedule was usually overloaded with courses that prevented me from taking too much time to do anything other than academic. Additionally, I preferred to take leadership positions in several campus organizations rather than use that potentially free time to earn money. Of course, it helped that loans, scholarships, and my patient parents helped me afford my education. I also had a few office jobs during breaks to help pay, but during the semesters, my attentions were elsewhere. I spent one break working for the university’s music department library, an easy job hat gave me some quiet time to myself as the library was rarely visited.

Also, at the time I was in college, the World Wide Web was new. I developed a few departmental websites, including taking photographs of the staff, scanning various photographs in one of the university’s computer labs, and programming in HTML. I was paid for this work from the departments’ budgets. I also consulted for professors who wanted to develop their own “home pages,” teaching them how to use Netscape to design their own websites without having to teach them much, if any, HTML.

All this time, I was studying music education with the intent to teach. Despite my heavy involvement with computers, my desire had always been to teach music, preferably at the high school level. Somewhere along the way, I changed my mind, but I was the last to know.

In addition to the above, I spent breaks from school in cubicle environments. I usually worked with a temp agency, and impressed with my skills, they lined me up with jobs in corporate environments. With my computer skills, I tended to qualify for some of the more advanced entry-level jobs, sometimes working with computer databases or designing presentations.

After college I worked as a long-term substitute in a middle school while looking for a full-time teaching job that I liked. The middle school teaching experience was one of the worst experiences of my life. My next stop was a non-profit arts organization, managing projects. I had previously worked for the organization as an intern, a requirement of my music management minor. It was a nice organization to work for, except that the organization was practically bankrupt and I was losing money just by working there.

Part of the year, the job required an intense work schedule, which was fine when I was younger. But more and more, executives used cult-like techniques for rationalization of the work. Towards the end of my career there, they invited me to attend the “bring-a-guest” portion of a cult-like re-education seminar, complete with obvious plants talking about how their lives were changed after going through the program. The executives strongly encouraged to sign up for the full program. I wasn’t buying it.

My varied interests led me all over the map in terms of jobs, and made it somewhat difficult for me to focus on one particular career. I suppose one positive thing I’ve taken away from my experiences is that I can do things my way and succeed rather than following a path that’s laid out for me by tradition or common practice. After my first horrible experience teaching, I didn’t want to accept another job unless it was exactly what I wanted — and that eventually led me away from teaching. People chided me for claiming I never wanted to work in retail after a mediocre experience as a Radio Shack employee. The truth was that it wasn’t horrible, and I could have gone back to retail if necessary, but I’ve made that decision work for me so far.

If I’ve drawn any conclusions from my experiences, it would be that I’d much prefer to drive my own career, as long as I can find a profitable way to do it, than rely on employers to be concerned about my financial needs.

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The incentive for becoming a customer of American Express’s business cards is continuing to improve. The card formerly known as the Gold Card from American Express OPEN is now known as the New Business Gold Rewards Card® from American Express OPEN. The most important change is the addition of a cash back rewards program.

For new cardholders, the card’s annual fee is $175, but it’s waived for the first year. Current American Express customers who are currently paying a lower annual fee — the amount was recently changed from $125 to $175 — are not affected.

Here are the new details. Read the full article →

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As I live not too far from Newark, New Jersey, many of my flights around the country are serviced by Continental Airlines, an airline with a significant hub at Newark Liberty International Airport. Like all airlines, Continental has been cutting services and adding fees to keep fares low, but I’ve never had a bad experience with the airline. I came very close to cashing in 30,000 miles in exchange for first-class upgrades in a recent trip, but the seats never became available. It took a few days for the unused miles to be credited back to my account, but even customer service was helpful.

Continental Airlines OnePass® Plus CardSince I travel every year, I’ve decided to begin using the Chase Continental Airlines OnePass® Plus Card to improves my benefits. While cash back credit cards have done well for me for many years, I never earn more than $500 a year. With a credit card providing a mile for every dollar spent, a number of bonus opportunities, and a free checked bag on every flight, I could probably receive more in benefits that with my two cash back rewards cards. This is despite a $95 annual fee that kicks in after the first year.

The Continental Airlines OnePass® Plus Card offers benefits similar to my (no-fee) Visa Signature card, such as concierge services, extended warranties, and price protection. There are some promotions right now, too:

  • Earn up to 40,000 bonus miles & first year free ($95 value)*
  • Now with priority boarding privileges on Continental and United flights
  • Check your first bag for free on Continental and United flights, up to a $50 value
  • Visit the United Club with two complimentary passes every year, a $100 value
  • Earn 2 miles for $1 spent on tickets purchased from Continental and United and 1 mile per $1 everywhere else
  • Your miles don’t expire and there is no limit to the number of miles you can earn

After completing my application, I was accepted in under 60 seconds. Oddly, the acceptance page was blank in my web browser and I couldn’t determine the next steps. Reloading resulted in an error and completing the application a second time would probably raise a red flag. Thankfully, everything worked out well and I received the card about a week later. As miles aren’t a real currency, they are always in danger of being devalued. This type of systemic risk isn’t for everyone, particularly if the rewards drawn don’t compensate for the annual fee.

With the potential to earn 40,000 bonus miles the first year and 10,000 bonus miles every year thereafter, the Continental Airlines OnePass® Plus Card is a great credit card for frequent fliers of United and Continental. The annual fee is a reason not to own this card but the savings and benefits for fliers is far to great too ignore, even if it costs $95 a year beginning in the second year. If you’re interested in filling out an application, visit the Continental Airlines OnePass® Plus Card application.

Continental Airlines OnePass® Plus Card

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For consumers with a poor credit history, the options for new lines of credit are limited. Far too often, lenders take advantage of people with poor credit by charging high interest rates and fees. Rather than improve their credit, the added debt only makes things worse. The world can be a much uglier place when your credit score is below 650. Before signing up for a new credit card, someone with bad credit should determine the cause of the low score. If it’s related to uncontrollable spending, this is the problem that should be solved before looking for new credit.

Many people with bad credit are interested in improving their credit score, and responsible use of credit is the perfect way to do this. Some credit card issuers offer products designed specifically for people with bad credit. Even though the terms may not be as favorable as other mainstream cards, these can be good instruments for proving to the financial industry one can now handle a credit card without creating more problems. The best credit cards for poor credit generally lack rewards and perks, but the cards you’ll find below do offer consumers a line of credit with reasonable interest rates and low fees. If you own a card designed for consumers with bad credit and you love it, let me know and I’ll add it to the list.

Editor’s choice

Orchard Bank Visa CardsOrchard Bank Visa Card. The best of all poor credit credit cards, the Orchard Bank Visa Card has a unique application procedure that helps pinpoint the card for you. Complete a short questionnaire, and Orchard Bank will match your profile with one of four different cards: Platinum, Gold, Standard or Secured. Depending on the quality of your credit, you’ll be pre-approved for an Orchard Bank Visa Card, which carries an interest rate of somewhere between 14.99% and 19.99%* variable.

The credit limit initial cardholders will receive is normally less than $1,000, but a long positive history with Orchard Bank will result in the bank increasing your credit limit. Orchard bank charges an annual fee of $0 to $59 for the first year and $35 to $59 per year thereafter* depending on the type of card you qualify for. Like the other cards on this list, the Orchard Bank Visa Card reports your credit information to all three major credit bureaus, which if positive, will help improve your credit score.

Other cards for bad credit

Capital One® Standard Platinum Credit CardCapital One® Platinum Credit Card. The Capital One® Platinum Credit Card provides cardholders a 24.9% variable purchase APR and the lowest of annual fees, other than zero, at $19. That annual fee is waived for all first year cardholders. Customers who need to use this card for a cash advance will be subject to an APR of 24.9% variable. The Capital One® Standard Platinum Credit Card also includes 24-hour travel and roadside assistance. Any purchase you make with this card can qualify for extended warranties.

Platinum Zero® Secured Visa® Credit Card from Applied Bank®. For consumers with bad credit, a secured credit card is not only accessible, but it also a key piece of rebuilding credit. Rather than paying interest on carried-over balances, customers of this card pay a $9.95 monthly maintenance fee. Applied Bank extends a credit line for users of the the Platinum Zero Secured Visa Credit Card of between $500 and $5,000. Cash advances are subject to a variable APR of 9.99%, low among credit cards, but keep in mind you’re still paying a $9.95 monthly fee. In most cases, customers should avoid cash advances.

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TrueEarnings Card from Costco and American Express Review

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Blue Cash from American Express Review

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3 Mistakes I Made That Cost Me Thousands

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This is a guest article written by Darwin, the author of the blog Darwin’s Money. Darwin is a numbers guy with an MBA. If you like this article, subscribe to the Darwin’s Money RSS feed for more. You live and you learn, right? Well, that can be expensive when you’re first setting out in the ... Continue reading this article…

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