Monday, May 27, 2013

Why I can’t think on my feet?

In my post I'm 50 Year's Old and Still Can't Think On My Feet I wrote about how I was approaching 50 and still unable to think on my feet. I had recently been called into a meeting with another manager concerning a possible mistake one of my employees had made. Instead of standing up for this employee or articulating my thoughts on the spot, I had to go back to my office, research the issue and return to make my point. I was so disappointed with my response time I created a challenge for myself to become a stronger person in my 50th year.

As part of my "Be Strong" project, I’ve been reading one book a month that deals with an aspect of inner strength.  My latest read was Susan Cain’s book Quiet: The Power of Introverts in a World That Can't Stop Talking. Never has a book summed up who I am more than this book.

I now understand why I don’t have the gift of gab, why words don’t magically roll off my tongue helping me through the tough conversations. I remember the countless closed door meetings I was called into with my company’s former VP of Sales. He would point to a number on one of my spreadsheets and ask why. Why was this number not what he had anticipated? Instead of coming up with the answer, my brain would freeze; I'd assume I had made a mistake and offer to look into it. It was only after I'd left his office and was returning to my own that the answer would come to me. Why wasn't I able to think on my feet?

I AM AN INTROVERT
 
Susan Cain describes introversion as a person’s response to stimulation, including social stimulation. Introverts prefer lower-stimulation environments, where they feel their most alive. Whereas extroverts crave stimulation in order to feel at their best.

Every personality test I've ever taken has pegged me as an introvert, but it wasn't until I read this book that I truly understood what being an introvert meant to my daily life.  When I'm put on the spot I need time, usually alone, to think through my answer. I like to methodically formulate a response, weigh all of my options making sure I give the best or most accurate response.  I need down time to replenish my energy after overstimulation.  I think of all the conferences I’ve attended where after a long day I've been tempted to skip the social mixer so I could go back to my room to read and decompress.

I've often been embarrassed by introverted personality:
For example, in my post Discovering My Strengths here are my thoughts upon initially learning of my five strengths:
I was not pleased with the results of my assessment. My first reaction was "I thought this assessment was going to teach me something I didn’t know." I was hoping my strengths would be a little more glamorous. The above so called talents were the same traits I’ve been trying to overcome since I was the geeky uncool nerd in high school. I shut my computer off in disgust.
We live in a world that values extroverts:
According to Susan Cain:
It makes sense that so many introverts hide from themselves. We live with a value system that I call the Extrovert Ideal - the omnipresent belief that the ideal self is gregarious, alpha, and comfortable in the spotlight. The archetypal extrovert prefers action to contemplation, risk-taking to head-talking, certainty to doubt. He prefers quick decisions at the risk of being wrong. She works well in teams and socializes in groups. (Pg. 4)
The Communication Gap:
Then there was the time my company's HR Manager attacked my management skills.  She told me I was the weakest manager our company had and that my career was going nowhere.  Now in hindsight I realize she is an extrovert who doesn't understand or respect the introverted personality. She considered my quiet manner weak and not management material.

In the book Susan, also an introvert writes about the first time she had to negotiate a deal for her client while working as a Wall Street lawyer:
Then she remembered what I'd told her again and again: she was an introvert and as such had unique powers in negotiation - perhaps less obvious but no less formidable.  She's probably prepared more than everyone else.  She had a quiet but firm speaking style. She rarely spoke without thinking. Being mild-mannered, she could take strong, even aggressive, positions while coming across as perfectly reasonable. And she tended to ask questions - lots of them. And actually listen to the answers, which no matter what your personality, is crucial to strong negotiation. (Pg. 8)
Pretending to be an extrovert:
Now that I have a better understanding of who I am and what it means to be an introvert how can I reframe my strengths to shine in a world that values extroverts?

Pretend to be more confident:
When Susan was in law school she would force herself early on in class to raise her hand and say something.  Other people would sometimes refer to what she said giving her a greater presence in the classroom without her having to say much.  (I really could have used this tip when I was in college.)

Smile.

Be Prepared:
When in the classroom or work meetings figure out what you are going to say and say it early.

Look for opportunities to have one-on-one conversations.

Ask questions. Lots of them. Listen to the answers.

Carve out restorative niches into throughout your day:
Leave the office during lunch.  Find a quiet spot to read and reflect.

Manage your energy.

Get thru it - you will come out a little stronger:
Shortly after reading Quiet: The Power of Introverts in a World That Can't Stop Talking I had to facilitate an eight hour training session at my organization. Twelve employees were in attendance including our President and VP of Operations both of which are extroverts.  I was the speaker for four of the eight hours. It was held two hours away and I was one of the drivers. Three employees piled into my car the morning of, so I did not have an opportunity to decompress before the training.  

I prepared for two full days prior to the training; practicing what I was going to say, preparing handouts and packets for everyone to review as I presented the information.  Despite my preparation my brain still froze a couple of times during my presentation. When I wasn't able to think of the interest term our vendor uses when we don't follow one of their procedures, our extroverted President jumped in and volunteered "exorbitant." Then the phrase came to me "past due." I asked lots of questions giving me a break from speaking and allowing everyone to provide input and learn from each other.  The training was deemed a success and our President has asked me to organize another one for October.

What is next?
So now I realize, "thinking on my feet" is never going to come natural to me and I will always have to work at it. I am now going to change the focus of my Be Strong" project to incorporating Susan's faking-it strategies into my life.

Are you an introvert?  Do you pretend to be an extrovert?  Do you have suggestions for carving out restorative niches or for helping me maintain my energy during the workday?

Please note, I am an Amazon affiliate
 
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Sunday, May 12, 2013

How to make the most of your social security benefits

I recently attended a social security workshop that changed my views on when a retiree should begin collecting social security benefits. We’ve all heard the rumors, “Start collecting as soon as possible, before the Social Security fund runs out of money” or “don’t wait to collect benefits - if you die early you will lose out on retirement money you’ve earned.”

Here is what I learned at the workshop:

Despite the grim outlook politicians and the media like to portray, the social security fund actually has sufficient reserves to pay out full benefits until 2036. After that if nothing else changes additional tax income will cover at least 77% of promised benefits from 2036 to 2085.

This means a person who is age 55 today probably won’t have to worry about benefits changing until age 79 at the earliest. Future changes that may occur include:
  • Increased Social Security tax rates.
  • Higher earnings maximum subject to Social Security Tax.
  • Increase of Full Retirement Age
  • Decrease of future retirement benefits
  • Reduction of future Cost of Living Adjustments (COLAs)
Why should someone consider delaying benefits?
For people born in 1943 or later, each year you delay receiving social security your benefit increases by 8% per year up to age 70. After age 70, there is no additional monetary gain for waiting. Where else can you get a guaranteed 8% increase in earnings?  

Unlike many pension plans Social Security is adjusted for COLA:
Social Security payments are adjusted each year to keep up with inflation, as measured by the Consumer Price Index. Since automatic cost-of-living adjustments were added to Social Security in 1975, they have ranged from 14.3% in 1980 to zero in 2010 and 2011. The 2012 COLA increase was 1.7%. It is important to note some pension plans do not come with a COLA adjustment. Thus, a monthly pension payment that seems sufficient in 2013 may not go nearly as far in 2033.

You and your spouse should work together to make the most of your benefits:

The “Spousal Benefit”:
A married person who has little or no earnings history can receive spousal benefits equal to half of the working spouse’s primary insurance amount (PIA). 

- You must be age 62 or older to qualify.
- You can’t collect a spousal benefit until your spouse files for their own benefit.
- Your benefit will be reduced if taken before full retirement age, but it won’t increase if delayed past full retirement age.

The “File and Suspend” Strategy:
This strategy works best for the married couple who has one spouse with little or no earnings history. Begin by comparing the benefit this spouse would receive on their own to what they would receive for a spousal benefit; if the spousal benefit is higher consider the following strategy:

The higher-earning spouse files for social security at full retirement age then immediately suspends benefits. Once this spouse files, the lower earning spouse is entitled to 50% of the higher wage spouse's benefit. 

This strategy increases the lower wage-earner's monthly benefits now. It also allows the other spouse to wait until full-retirement age, increasing their benefit in the interim. Plus, it allows the lower wage earning spouse to receive the maximum survivor benefit.

The “Claim Now, Claim More Later” Strategy:
In this strategy the lower wage earner begins receiving his or her own reduced benefit.  The high wage earner files at full-retirement age for the spousal benefit. When this higher-wage earner reaches 70, he or she should switch to their own higher benefit. Note both spouses can’t receive spousal benefits on each other’s record at the same time. For this to work, the high-wage earner may not file for their own benefits before full-retirement age.

This strategy allows the low wage earner to start receiving benefits as early as possible. It allows the high-wage earner to receive a monthly benefit between the ages of 66 and 70 without having to reduce their own benefit. Plus, this allows the lower wage earning spouse to receive the maximum survivor benefit.

The Strategy for Two High-Earning Spouses:
One of the spouses files for the spousal benefit at Full-Retirement Age. Then switches to their own benefit at age 70. By collecting only a spousal benefit, this spouse can receive benefits at full-retirement age and still allow their own benefit to grow to its maximum.
 
The "Pay Back Strategy" is no longer allowed:
Previously you were allowed to begin collecting benefits at age 62 and then were able to pay all the dollars you had collected back, and restart your benefit at a new higher amount. As of December 2010, you are only allowed to do this if you change your mind and pay back benefits within the first 12 months of starting your social security retirement benefits.

The break-even age for collecting benefits at age 62 vs. full-retirement age is 78:
If you are in good health and have longevity in your family history, you will be better off in the long run to wait until full-retirement age to begin receiving benefits. 


I don’t think my husband and I will be able to utilize any of the above strategies, other than putting off collecting social security as long as possible, but I feel it is important to know what is available.

If you enjoyed this post, you may also like:
Do You Review Your Social Security Statement
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Thursday, May 02, 2013

Catherine the Great: Portrait of a Woman

Motivation for Reading:
I decided to read Robert K. Massie’s book Catherine the Great: Portrait of a Woman when Michelle of That's What She Read responded to my comment on her review of the book with:
You will love it as it definitely fits in with your theme of empowering women. Catherine was one amazing woman.
What is Catherine the Great: Portrait of a Woman about?
At almost 600 pages, Massie has written an all-encompassing biography of Catherine the Great beginning with her childhood in Germany and ending with her death at the age of 67.

My thoughts:
Since the book is so long, the thought of reading it seemed daunting, but Massie created such an engaging story I had no trouble finishing it. Prior to reading this book, I knew almost nothing about Catherine the Great or Russian history. I found every page to be fascinating – including the historical events and the politics of the time. Catherine’s story is remarkable:

If this book would have been fiction I’d have set it aside thinking it was implausible: 
Catherine, an obscure Russian princess, travels from her home in Germany to Russia with the intention of marrying Peter, the Russian heir to the throne. After their wedding her primary role was to produce a male heir. This ends up being impossible since her new husband refuses to touch her, preferring to play with his toy soldiers in their bed. This scenario continues for nine years. Finally, in order to produce an heir, Catherine has an affair with another man. Catherine bears a son whom the Empress names Paul. She then has the new baby taken from his mother and raises him as if he is her own. Once Peter becomes Emperor he ends the popular war with Prussia and institutes domestic policies that infuriate the military, the Orthodox Church and the Russian people. Catherine along with her current lover and his friends are able to overthrow Peter and Catherine becomes Empress. She reins until her death 34 years later. 
Why Catherine deserved the title of "Great:"
Elizabeth I of England was the only woman equal to Catherine on a European throne. In Russia's history, Catherine and Peter the Great tower in ability and achievement over all the other tsars and empresses of the Romanov dynasty. Catherine's accomplishments include two successful wars against the Ottoman Empire expanding Russia’s borders to the Black Sea and Central Europe. She was the first person in Russia to be inoculated against smallpox then persuaded others to do so.   She imported European moral, political, judicial philosophy, literature, art, architecture, sculpture, medicine, and education. She assembled the greatest art gallery in Europe, hospitals, schools, and orphanages. Peter made Russia a great power.  Catherine magnified this power and advanced the nation toward a culture that during the century that followed produced many of the artistic masters Russia is known for today.
What was her secret? How was she able to accomplish so much?

She was able to conceal her pride:
Her mother, not wanting her daughter to be arrogant or rebellious decided “to drive the devil of pride out of her.”
She was repeatedly told she was ugly and impertinent, forbidden to speak unless spoken to and made to kiss the hem of the skirts of all visiting women of rank. Later, concealment of pride in humility came to be recognized as a deliberate and useful tactic which Catherine used when confronting crisis and danger. (Pg. 9)
She used every opportunity to improve herself and her situation:
It did not take Catherine long to understand two underlying facts about her position in Russia:
First, that it was Elizabeth, not Peter whom she had to please: and, second if she wanted to succeed in this country she must learn its language and practice its religious faith. (Pg. 52) 

During the 17 years Catherine spent in Russia prior to Empress Elizabeth’s death, she spent her time reading. Assigned with the task of producing a male heir she spent much of this time ignored by or bored by her husband: books were her refuge. She always kept a book in her room and carried another in her pocket. She studied the great philosophers. Guided by her own curiosity, gradually she acquired a superior education. (Pg. 145)
She aligned herself with the right people:
Over the years Catherine made herself more popular than Peter with the Russian Courtiers and the Russian people. With the help of her lover Gregory Orlov and his brother Alexis, she won over the allegiance of the Russian Army giving her the support of the military. She made calculated moves when determining which countries to form alliances with and to support and which to not. I thought it interesting that she choose not to aid Great Britain in their war with the American colonies.

She understood who held the real power:
In a conversation V.S. Popov had with the Empress she explains the blind obedience with which her will was fulfilled everywhere, of the eagerness and zeal with which all tried to please her. It is not as easy as you think.” She replied. In the first place, my orders would not be carried out unless they were the kind of orders which could be carried out. You know with what prudence and circumspection I act in the promulgation of my laws. I examine the circumstanced, I take advice. I consult the enlightened part of the people, and in this way I find out what sort of effect my laws will have. And when I am already convinced in advance of good approval, then I issue my orders and have the pleasure of observing what you call blind obedience.

That is the foundation of unlimited power. But, believe me; they will not obey blindly when orders are not adapted to the opinion of the people.” (Pgs. 172-173)

Despite being a "great" ruler she was held to a double standard:
According to Massie, Catherine had 12 lovers during her reign who were referred to as favorites.  What shocked her contemporaries was not the number, but the age difference between Catherine and her lovers. She preferred increasingly younger men. She wanted assurance she could still attract and keep a man's love. In return the young men sought ambition, desire for prestige, wealth and power.  Hmm...weren't kings and their mistresses doing this exact thing for centuries?

Book club recommendation:
Massie informs us Elizabeth I of England used virginity and abstinence as prizes to tempt and manipulate powerful men.  Wouldn't reading a biography of Elizabeth make an excellent companion read?

Bottom Line:
I highly recommend Catherine the Great: Portrait of a Woman to anyone who wants to learn more about Catherine the Great, Russian history or to just read about an amazing self-built woman who was truly Great.

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Please note, I am an Amazon affiliate

Wednesday, April 24, 2013

Are You Wearing Jeans Today?


Today is International Denim Day:
This is a day in which people around the world wear denim in honor of those who have been raped and to educate society about rape.  This campaign came about after an 18-year old girl in Italy was raped by her 45-year old driving instructor in the 1990’s.  Her rapist was initially arrested, prosecuted, convicted and sentenced to jail, but his conviction was overturned on appeal.  Why? Because the woman was wearing really tight jeans! The Italian Supreme Court presumed since the woman’s jeans were tight she must have assisted him with their removal concluding their sexual encounter had to have been consensual. Enraged by this verdict, the women of the Italian Parliament protested that very day by wearing jeans to work.  This protest evolved into the first Denim Day in LA in April 1999 and has continued every year since.
I only recently became aware of Denim Day:
I learned of it when reading, Student McKenna Nerone is generating support for rape victims through Denim Day, an article on JS Online about McKenna Nerone’s project Share a Pair. Nerone, a high school senior, created Share a Pair as a project for a senior’s honors seminar. Her goal is to raise awareness of sexual assault and the dangers of blaming victims. She hopes to collect 1,050 pairs of jeans for Denim Day.

Why 1,050 pairs of jeans?
Nerone calculated during the time she spends each week in class 1,050 individuals are sexually assaulted. According to denimdayusa.org, every two and a half minutes, somewhere in America, someone is sexually assaulted.
Nobody wants to talk about rape:
Not everyone was in favor of Nerone’s project.  She encountered objectors who felt rape was a taboo topic.  This taboo is precisely why Nerone went ahead with her project. She feels it will benefit both her high school and the greater community.  She is quoted in the article as saying:
“I want to make people start talking about it. Nobody wants to talk about rape.”

The topic of rape and sexual assault is rarely addressed in school, Nerone said and she wants to change that, along with a common misconception.

“Many people think that if you’re going to be raped you need to have this criteria,” she said listing weight, physical attributes and tight jeans. “But no that is just not true.”
Thank you McKenna for making me aware of International Denim Day and for the awareness you have created. Knowledge and education is the first step in fighting the rape culture that continues to be prevalent in our society.

McKenna Nerone is donating all of the jeans she collects to Pathfinders, a local nonprofit that helps youths and young adults who are survivors of sexual assault, homelessness and mental illness.

I’m wearing jeans today.  Are you?

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Sunday, April 14, 2013

My Co-worker Won’t Stop Talking About Sex

I have this annoying co-worker, who over the years has shared too much information about his personal life. For the most part he’s harmless, but when he starts talking about his sex life I get uncomfortable. 

Early on when he began working for our company, he would look me up and down then ask me my dress size, overly compliment my wardrobe then tell me stories about how his wife wouldn’t have sex with him. One day when he started telling me about a dream he’d had about me the night before I lost it. I cut him off mid-sentence, rudely told him I didn’t want to hear about his dream, that I didn’t want him to ask me my dress size anymore and to stop talking to me about his sex life. I also told him some women would consider these actions sexual harassment. Looking back, his dream may not have been sexual, but at the time I didn’t want to risk hearing about it.

My co-worker didn’t talk to me again for almost a year which didn’t bother me a bit. Then slowly he began initiating conversation and before I knew it he was back to talking about sex again. Recently he’s added sexual jokes and comments about other employee’s sex lives to his topics of conversation.

At a recent going away party this employee made a joke about our President’s sex life in front of everyone including our President’s 70-year old father and our human resource manager. No one acknowledged the joke or laughed. Instead, someone quickly changed the subject.

It baffles me that no one sits this employee down and tells him to knock it off. Not only does he talk about sex with me, but when he thinks he has a funny story or joke he walks around the office sharing it with everyone.

Friday morning he was at it again, making the rounds telling his latest joke about our President’s sex life when I decided I’d had enough. I turned to him and said, “Fred, this isn’t appropriate conversation for the workplace.” He looked at me and repeated my comment, “This isn’t appropriate conversation for the workplace?” I think he got my message, but I’m sure he will be back at it in a few weeks. I’ve decided from now on every time I hear him talking about sex I’m going to repeat my previous comment or tell him he is being unprofessional.

And for those of you who talk about sex at work:

Doing so diminishes your credibility. This goes for women too:
There is this story about one of our female employees who traveled with a male co-worker to an out of state conference many years ago. According to the male co-worker, she talked about her favorite sexual positions the entire length of the trip. To this day, when this female employee’s name comes up for promotion her male co-worker who is now a VP shares this story along with his opinion this employee is not professional.

Not everyone will find your joke funny:
Not everyone has the same sense of humor. When you joke or talk about sex you always run the risk of offending someone. Plus, someone who laughed at your jokes last week may for no obvious reason find them offensive or not funny this week. I once worked with a guy who liked to tell a couple of his female co-workers he’d like to see their lips around a Pepsi bottle or a banana. Sure enough, he made this comment to a new temporary employee and she reported him to HR for sexual harassment.

You are a disruption:
Your jokes and stories are unproductive and disruptive. They stop work- flow and provide fodder for employee gossip. See next topic:

You are drawing unwanted attention to your appearance:
When talking about your sex life you may be providing a visual image to your co-workers they do not want to see. Let’s face it you may not actually be a “ten” and your co-workers may find these visual images repulsive.

Do your career a favor and remember conversations about sex are not appropriate for the workplace.

Have you had a co-worker who talked about sex in the workplace? How did you handle it?

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Tuesday, April 09, 2013

When a Salesperson Refuses to Hear the Word “NO”

I receive quite a few phone solicitations from salespeople in my job as accounting manager. Ever since I read Gavin De Becker’s book The Gift of Fear and Other Survival Signals that Protect Us From Violence, I’ve been paying more attention to how these salespeople respond to my “no” and whether or not they try to:
Discount the Word “No” or refuse to accept the word no.
Most of these callers counter my “no” with asking when they can call again or by telling me when they plan on calling again. Others ask for the reason behind my “no” or push for a face-to-face meeting. Recently a caller told me I sounded angry – well yeah - I thought I was answering an important phone call and instead had to tell you for the 3rd time I wasn’t interested in your paperless document system.

For the most part, these calls are harmless interruptions. My “no” is on behalf of my organization, so no matter what a salesperson says or tactic they use they will not be able to manipulate their way into working with my company. This isn’t always the case in our personal lives and sometimes these conversations can be manipulative and damaging.

Take Michelle Shaeffer's story for instance:
When Michelle refused to work with a potential business coach the coach called her a liar and told her she’d never succeed. This conversation was so damaging it left Michelle in tears and full of self-doubt for weeks. She felt like a complete failure, didn't know what to do except give up and almost did. 

Several warning signs Gavin de Becker provides in The Gift of Fear help us conclude this sales person is manipulative and not to be trusted:

Michelle’s intuition told her so:
One of the reasons Michelle initially declined to work with this coach was because she wasn't sure they were the right fit to work together. Clearly Michelle’s intuition kicked in and was telling her something was off with this relationship.

The Unsolicited Promise:
This coach offered a "no pitch" strategy session claiming she wasn't going to sell during her introductory call. Sounds to me like she was saying I’m not going to sell you anything, I promise.

Discounting the word “No”:
When Michelle declined and explained why, the coach told her she had to put the program on a credit card if she really wanted to reach the goals she'd shared with her. The coach was refusing to accept Michelle’s no.

Typecasting:
When Michelle told the coach she didn’t have a credit card. The coach responded with, "Everyone has credit cards" and if Michelle wasn't willing to be honest she’d never succeed in business.” Typecasting always involves a slight insult and usually one that is easy to refute. The coach wanted Michelle to refute the statement “she’d never succeed” by producing a credit card.

After reading Gavin’s book I hope to be more cognizant of manipulative sales tactics in the future. Instead of taking criticisms and insults to heart, I hope to use them to conclude this is not someone I want to work with.

How to know you are hiring the right coach?
In Ann Daly’s recent post The Secret to Hiring the Right Coach she offers the following advice:
When I was searching for a post-divorce therapist, I asked my friend Dusty--herself a therapist--what I should look for in an initial session. How would I know if the therapist was offering me value? Dusty's response was immediate: "You should get at least one fresh way of thinking about your situation."

And that's the one thing you should get from your first conversation with a coach, too. If you don't, keep looking. Reputable coaches won't charge you for an informational consultation.
Thanks Ann for that excellent advice. 

You can read Michelle’s post, "She Called Me a Liar and Said I'd Never Succeed" in its entirety here.

Have you encountered a salesperson that refused to hear “no”?

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Sunday, March 24, 2013

The Gift of Fear

As part of my "Be Strong" project, I’ve challenged myself to read at least one book a month dealing with an aspect of inner strength such as confidence, communication skills, working with difficult people, self-knowledge, willpower, etc. My February read was Gavin De Becker’s book The Gift of Fear and Other Survival Signals that Protect Us From Violence. I chose this book after Maria of Redirecting Chaos recommended reading it in the comments of previous posts not once, but twice. 

What is The Gift of Fear about?
Gavin de Becker, a security specialist based in Los Angeles and the founder of Gavin de Becker and Associates a private security firm whose clients includes Hollywood stars and government agencies, has written a book exploring how fear is a gift that can be used to keep us safe. The book explains how we can spot even subtle signs of danger—before it’s too late.

My Thoughts:
Gavin de Becker’s intention in writing the book was to share factors his company considers when identifying and predicting violent people and their behaviors in simple to understand terms. He achieves this by including powerful real life stories that left me chilled knowing these examples actually occurred.

I am highlighting some of the major lessons I learned from this book:

He provides potential warning signs to watch for when confronted by a stranger or manipulative person. He calls these survival signals:

  • Forced Teaming. Shown through the use of the word “we” a person tries to pretend he has something in common with you and that you are both in the same predicament when it isn’t really true.
  • Charm and Niceness. This is being polite and friendly to a person in order to manipulate them. Niceness does not equal goodness.
  • Too many details. When people lie, even if what they say sounds credible, it doesn’t sound credible to them, so they keep talking.
  • Typecasting. Always involves a slight insult and usually one that is easy to refute. For example: “You are probably too snobbish to talk to the likes of me.”
  • Loan Sharking. Offers assistance, but is always calculating the debt. The fact that you owe a person something makes it harder to ask them to leave you alone.
  • The Unsolicited Promise. This is one of the most reliable signals. It shows nothing more than the speaker’s desire to convince you of something. Ask yourself why does this person need to convince me? For example” “I’ll just put this stuff down and go. I promise.”
  • Discounting the Word “No”. Refusing to accept the word no.

“No” is a word that must never be negotiated and was the most important lesson I took from this book. The person who chooses not to hear the word “no” is trying to control you. Don’t trust them. If you let someone talk you out of the word “no” you might as well wear a sign that reads, “You are in charge.” (Pg. 62)

A woman alone who needs assistance is actually far better off choosing someone and asking for help, as opposed to waiting for an unsolicited approach. The person you choose is nowhere near as likely to bring you hazard as the person who chooses you. (Pg. 63)

Never show fear:
Threats are never spoken from a position of power. Whatever power they have is derived from the fear instilled in the victim, for fear is the currency of the threatener. (Pg. 109)

Persistence only proves persistence:
It does not prove love. The fact that a romantic pursuer is relentless doesn’t mean you are special – it means he is troubled. (Pg. 196)

Women should never explain why they don’t want a relationship:
Mr. Wrong will challenge each reason she offers. Instead women should make it clear they have thought it over, that this is the decision and that they expect the man to respect it. (Pg. 199)

The problem with restraining orders:
Many batterers find intolerable the idea of being under the control of their victims, and with a court order, a woman seeks to control her husband’s conduct, thus turning the tables of their relationship. (Pg. 189)

Worry is the fear we manufacture – it is not authentic. (Pg. 286)

Anxiety, unlike real fear, is always caused by uncertainty. (Pg. 291)

Bottom Line:
The Gift of Fear may be the best self-help book I’ve ever read and is most likely going to be one of the most important reads of my strength challenge. It includes much more than the items I’ve highlighted above i.e. listening to and trusting your intuition. One thing I know for sure, I will never look at a person who challenges my “no” the same way ever again.

Have you read The Gift of Fear?  If so, what were your thoughts? Do you have any future books or topics suggestions for my "BE Strong" Reading Challenge?

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Sunday, March 17, 2013

How to Pull Myself Out of a Rut?



For the past several weeks I’ve been in a rut. I'm behind at work, despite working six Saturdays in a row. My reading pile isn't dwindling and I haven't been able to keep up with this blog. Plus, I am running out of ideas for my strength and email challenges. On a particularly low day, I emailed Marcy of (Don’t Be) Too Timid and Squeamish asking for advice. I’ve been reading Marcy's blog for a while and am impressed with how she continues to push herself out of her comfort zone as she takes on a series of challenges.

Here is our conversation:
Marcy I am working on a strength challenge - trying to become a stronger person in my fiftieth year and I’ve begun to feel stagnant. I’m buried in lousy weather (seriously this is the winter that will not end here in Wisconsin), preparing boring spreadsheets at work, cleaning, thinking about preparing my taxes and the tendonitis in my elbow that flared up before the holidays is still causing me grief.

When you are feeling down how do you keep pushing yourself forward with your challenges?
I find I do pretty well with short or medium-length goals, like if I have a 5K or other goal like that two months out or six months out. Then I make a plan and work toward it. Right now I am preparing for a "Fitathlon" that a friend convinced me to do, so that is keeping me motivated.

I am not as good at staying motivated for the long haul. I do walk each day, though. I wear a pedometer and always make sure I get at least 10,000 steps a day, so I like being sure that I will get at least a little exercise every day. I also like playing tennis, so that keeps me active for a lot of the year.

I really don't have any great tips for getting out of a rut. I think trying to set small goals until I create some good habits is what usually works for me. Maybe you could sign up for a fitness-related event and prepare for it with a group? I think some gyms set up classes along those lines.

What motivated you to become less timid and squeamish?
I have always been introverted, but I noticed that more and more I was turning down social opportunities and saying "no" to trying new things. I was stuck in a rut and wanted to find some way to motivate myself to do more things. I also wanted to do more writing and find an audience for my writing. I started the blog (Don’t Be) Too Timid and Squeamish. At first, I pushed myself to do more things, and I soon found that taking on new challenges became easier as my confidence grew. I tell more about it in this video log if you're interested: Why I Blog.

What makes you feel strong?
Mentally, I feel strong when I push myself to do something that I feel timid about. Physically, I find myself going back again and again to the good old push-up. I have done them on and off since completing a challenge to do 50 consecutive push-ups (it took me six months to work up to it!), but when I am doing them regularly, I feel strong.

What do you do or see others doing that detract from strength?
I am guilty of procrastination. I intend to do something and somehow months go by. I think that's why my "101 things in 1001 days" list has been so powerful for me. There is a deadline, so instead of a "someday" list or a bucket list, I feel motivated to do the things. My blog helps with that too because I am always looking for the next thing to write about.

I see others doing the same thing that I am often guilty of: having a goal, but not starting to work toward it, or starting and then abandoning it without giving it enough of a commitment.

Of the adventures you've written about on your blog, which one was your favorite and why?
My favorite adventure that I've written about on my blog was definitely traveling alone to Costa Rica. It was the time when I most clearly realized that I had grown and changed since I had started my blog. I never would have even aspired to taking a trip on my own before that. In fact, when I put "travel alone at least overnight" on my 101 Things list, I just pictured staying in a hotel one night in Boston or something like that.

Thank you Marcy, this has been a big help. My problem is I set a big goal, but have allowed myself to fall back into an old familiar pattern -mainly procrastination. I need to set a few small goals to help get back on track.  Since our conversation, I’ve decided to see a doctor about my elbow, I selected David Allen's book Getting Things Done: The Art of Stress-Free Productivity as my next read, I joined Carli Alice in her no sugar challenge -  no sugar accept fruit and stevia for my coffee for the next eleven weeks. I finished my taxes and have even managed to clean my desk at work. I am also putting together a handmade postcard celebrating something I've done outside of my comfort zone for Marcy's send me your postcard feature. 

How do you pull yourself out of a rut?

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Sunday, March 10, 2013

The Biggest Money Mistake Women Make

I’ve recently read several articles revealing women’s money mistakes; not saving enough for retirement, incurring too much debt, giving money to family members, taking on children’s debts by co-signing their loans, and relying on the men in their lives to handle finances and investments. While spending too much on handbags and not knowing how much your husband’s 401(k) is worth are not smart money practices, I feel the biggest money mistake a woman can make is:

Not negotiating a higher salary
 
According to Linda Babcock and Sara Laschever in their book Women Don't Ask: The High Cost of Avoiding Negotiation--and Positive Strategies for Change:
By not negotiating a first salary, an individual stands to lose more than $500,000 by age 60—and men are more than four times as likely as women to negotiate a first salary.
$500,000 could have bought a lot of overpriced handbags over the course of a women’s life. In addition to earning less in wages, not negotiating a higher salary leads to women contributing less to their 401(k) plans, receiving smaller 401(k) matching contributions and earning smaller social security credits.

Linda Babcock and Sara Laschever also reveal:
  • Many women are so grateful to be offered a job that they accept what they are offered and don't negotiate their salaries.
  • Women often don't know the market value of their work: Women report salary expectations between 3 and 32 percent lower than those of men for the same jobs; men expect to earn 13 percent more than women during their first year of full-time work and 32 percent more at their career peaks.

This was certainly true in my case. I’ve never negotiated for a higher salary not once. When I started out in my career I had no idea what I was worth – my confidence was so low upon graduating from college I actually thought I was unemployable. When I was offered my first real job at $6.29 an hour in 1986 I was happy to just be employed.
 
I wasn’t the only woman not negotiating:
My second job a year later paid $14,500 a year. I thought this was low until my female co-worker hired a few months prior with similar qualifications disclosed she was earning even less.
 
As my career progressed I continued to avoid negotiating salary:
Once I became a CPA in the late 90’s, I relied on my credentials to ensure I was paid a fair wage. I was working at an engineering firm when I obtained my CPA license.  Shortly afterwards my employer fired my manager who they thought was lazy and offered me his job. My new annual salary would be $35,000, a 9% increase over my current salary of $32,000. My former lazy manager had been making $75,000 a year. I accepted this position without questioning my new salary, researching the market or negotiating for more.
 
Other attitudes at the time:
One of my female co-workers, ten years my senior and our company’s office manager offered the following advice:

She felt it was preferable to make a lower salary than what you were worth because in doing so you were insuring employment. Throughout her career she had witnessed numerous individuals who were underpaid be the first to be hired and the last to be let go when layoffs came around. In her opinion, the highest paid employee was always the first one fired.
Why this advice is so horrible?
Unfortunately, I think she mistook highest paid for overpaid. In the recent economic downturn, in addition to down-sizing every employee who wasn’t absolutely necessary many employers reduced the salaries of their remaining employees. Now an underpaid employee was earning even less. Salary-cuts at my current company remained in effect for three years. I lost $15,000 in gross wages. Already on the low end of the salary scale, during the salary reduction years I was substantially underpaid for my position and work experience.
 
Men in my circles do negotiate more often:
Last year my husband received the standard cost-of-living raise during his salary review. At the end of his meeting he expressed displeasure with his raise, reiterated his yearly accomplishments and told his manager he had been expecting more. His manager agreed to think over his decision and get back to him. I was astonished. Never in my life would I have asked for more money. His company was still struggling, despite my husband’s project going well; how could he expect more money. My husband felt differently. He was working on one of the most important projects of his career at this company. There was never a better time to ask for more money besides what did he have to lose. He was right and ended up receiving the raise he had been expecting.
 
While raises have been frozen at my company for four years:
Three male managers I know of have asked for more money. One was flat-out refused – he handled the negotiations so poorly he eventually was demoted; one was denied then given a surprise year-end bonus of $10,000 and the third received exactly what he asked for.
 
Linda Babcock and Sara Laschever make the point that the male approach to negotiating isn’t actually superior to women’s:
Men are not better negotiators than women. Women more often than men take a "collaborative" or cooperative approach to negotiation that has been shown to produce agreements that are better for both sides. Women are more likely than men to listen to the needs and concerns of the other side, communicate their own priorities and pressures, and try to find solutions that benefit all parties—to find the win/win solutions. This approach not only leads to better outcomes for everyone, it often produces creative solutions to problems that might have been overlooked by men taking a more competitive or adversarial approach. Also, by looking for those win/win solutions, women tend to preserve and enhance long-term business relationships—they don't burn as many bridges as men who focus on short-term gains.
It is also important to note:
 
Failing to negotiate is not just a boomer problem:
Younger women may assume that things have changed far more than they have, but according to Babcock and Laschever studies among men and women in their 20s and early 30s, men are much more likely to initiate negotiations than women.
  
Don’t forget to negotiate your bonus:
In addition to negotiating salary, many jobs now come with a pre-negotiated bonus plan. Women may think they are being paid a fair salary, but are  unaware their male counterparts negotiated and are earning a much higher year-end bonus. While researching salaries with your networks don’t forget to collect information on bonus plans. 
 
Have you ever attempted to negotiate a higher salary? What was the result? What do you feel is the biggest money mistake women make?
 
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Sunday, March 03, 2013

How to Play Professional Matchmaker on Social Media

Have you ever had two contacts you met via social media you were sure would benefit from being introduced to each other? I recently had that experience. A connection I met through this blog asked if I’d promote her business by sending her current promotion to my contacts. I immediately thought of Anna Runyan. Anna is a career coach and the founder of Classycareergirl.com. She taught me the importance of networking in Why Networking is Important, a guest post she wrote for this blog. Also, last year I participated in Anna's Classy Career Girl's networking challenge.

I didn't think forwarding my friend’s email to Anna would really promote her business; most likely it would be deleted along with all the other spam-like emails. Thinking my friend’s business may benefit the members of Anna’s latest endeavor the Classy Career Girl Get Ahead Club I wanted the two of them to connect. Not knowing how to go about this I emailed Anna asking for her advice. Here is Anna's response.
Is she is on LinkedIn? I know you can introduce both of us there. Otherwise, I would just send an email with both of us CC'd and introduce us through email…Anna this is so and so and she does this…. Etc.
Since I blog anonymously, I obviously can’t introduce them through LinkedIn. Instead, I will go with Anna’s suggestion to introduce them via email.

I also asked Anna once an introduction has been made how should my contact go about networking with her? Should she ask for a few minutes of Anna’s time then give her elevator speech? Should she ask if Anna would promote her business to her contacts? Whether she should participate in the Classy Career Girl Get Ahead Club? Or should she ask something else entirely? Here is Anna’s response:
I would think differently about it. Like how can she help me so that I can help her because networking isn't only about having other people help you. So maybe she should say that she enjoys my blog and that she tweeted some articles just to show that she knows what I do and has helped spread the word. And then she can ask her question. Does that make sense? As far as what she should ask, that would really depend on what she wants?
Thank you Anna. Anna Runyan can be found at Classycareergirl.com. I highly recommend subscribing to the Classy Career Girl Newsletter where you will receive weekly career tips and my favorite - book reviews and recommendations. Also, check out the Classy Career Girl Get Ahead Club! You can read more about it here.

One more thing:
Before introducing two people who don’t know each other I would privately ask each of them if they are comfortable with the connection and give them the opportunity to opt out. You don't want to take either of them by surprise or put them in an awkward situation.

Have you ever played professional match maker on social media? How did it work out?

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Wednesday, February 27, 2013

Conversations for Savvy Women

In case you haven’t noticed my blog has a new tag line:

Conversations for Savvy Women
 
I’ve been brainstorming ideas with blogging guru Kimberly Gauthier to help brand my blog and determine a new blogging niche. My previous niche, blogging about topics for women was too broad. I wasn't sure who my audience was from week to week and was having difficulty coming up with fresh blog material. I needed someone from the outside to guide me out of my blogging rut.

Along comes Kimberly Gauthier:
When Kimberly Gauthier offered to help readers discover their blogging micro niche in her newsletter Blogging in My Pajamas I took her up on it.

Kimberly identified what she liked about my blog and gave me a couple of tag line ideas. She suggested I write down all the words that come to mind when thinking of my blog then use a Thesaurus to come up with more. I  combined Kimberly’s ideas with my own to come up with a new tag line. I was surprised at how easy and fun the process was and am happy with the result.

I love the idea of having a conversation with a group of savvy women (and men if they are so inclined) with each post. I also think “Conversations for Savvy Women” will broaden my niche rather than stifle it. I have several new post ideas, so stay tuned.

Click here to learn more about Kimberly’s free newsletter Blogging in My Pajamas.

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Friday, February 22, 2013

Strength Challenge Interview #5 - Closing Comments

Created by Darlene B. Nemuth
This week I am running a series of posts resulting from my strength interview with Darlene B. Nemeth. About two years ago Darlene embarked on a journey to travel towards inner peace and happiness. Her quest reminded me of my own challenge to become a stronger person in my 50th year. Curious to learn more I emailed Darlene and requested an interview. Today is the final post in the series.

What do you know now that you did not know when you were 18?

I learned that you can only grow if you are willing to feel awkward and uncomfortable. You have to move out of your comfort zone. The more you do this, the easier it gets.

Remember, even confident people feel awkward and uncomfortable at times but they are willing to step out of their comfort zone because that is where accomplishments and personal growth occur.

It is true, I never thought of myself as a strong confident woman. Ah!

A woman. That is weird. Strong and confident? Not me.

I guess I was wrong. Weirder eh? I was working as an Office Manager, I do not remember how the conversation came about but I was told by one of the office staff, that I was a strong and confident woman. I was shocked.

I had to email my mentor. I told her this shocking news. Her reply was that I had come a long way since we worked together and that this woman was looking at me as I had looked at her several years ago. Does that make sense?

I didn’t feel strong and confident but that was how I appeared to those around me. Amazing isn’t it. So now when I am feeling a little lacking, I remember those words: “you are a strong and confident woman.” Damn straight!

Are there any books that have influenced you or that you find yourself always recommending to others?

I was extremely shy when I was younger. I am still shy but for the most part it does not get in the way. My supervisor at the time, sent me to a Dale Carnegie course. Subsequently, I was given the book. I still have that book and I do recommend it. The book is called How To Win Friends and Influence People. Don’t let the title fool you, it has a lot of great tips – not so much on how to be a strong person – but more about being a strong communicator.

I also like Rhonda Byrne’s book The Magic. There are 28 days of 28 practices of gratitude. I started my blog by going through these exercises. It changes your perception of events and people. A happy person is a strong person.

Do you have any other tips or suggestions that may help me in my strength challenge? Or is there anything else you'd like to add that I haven't thought to ask about?

I was watching the movie The Help and there is a line that I will always remember. I now say this with my granddaughter before she goes to bed. “I am smart. I am kind. I am important.”

Savvy. You are smart. You are kind. You are important.
 
Thank you, Darlene Nemeth for an enjoyable and informative interview. In addition to Darlene's website http://darlenebnemeth.blogspot.ca/, you can find Darlene's pins on Pinterest and items for resale at LittleShopTreasures on Etsy.
 
Do you want to read more?
Here are the four other posts in this series covering my strength interview with Darlene Nemeth: