Do You Shy Away From Negotiating?

By admin on March 9, 2010

Let’s face it, there are many of us who feel uncomfortable when we are either buying or selling, and the asking price is up for negotiation. If we are buying, we may shy away from putting forward a lower price; if we are selling it is difficult to keep the price as high as possible when we are asked ‘how much would you accept for it?’

Negotiating is not about one party getting the best deal, or even about meeting half-way. Rather it is about clarifying the other’s position and obtaining a price that both parties are happy with.

Being an effective negotiator is even more important when it comes to discussing a salary following a new job appointment. There is a substantial difference between negotiating a salary and the best price for a new car. If you get a reduction of £1000 off your car, then that is the total of what you have saved. However, your salary has a knock-on effect for years to come.

For example if your new salary is set at £30000, but with negotiation you may have been able to obtain £33000, you have not just lost £3000, but that amount for every year that you are in that position, plus the difference of any percentage increase on your annual salary review, plus any bonuses that are based on your final salary, plus any pension payments – the list goes on.

One of the tactics of good negotiating skills is not to give away your own position too early into the negotiating process. By doing this you have then set a ceiling on the price, which the other party may accept, particularly if they would have been prepared to go higher. Referring back to the example above, if you had stated that you would accept £32000, undoubtedly your new employer would have accepted this; therefore you would be missing out on a minimum of £1000 every year.

Your style of negotiating is also a major factor in the process. If you are passive, you may be influenced into accepting the base salary; if your approach is aggressive, this could promote a similar behaviour in your new employer – not the best foot to start your new career on. Having an assertive approach at the negotiating table demonstrates to your new employer that you have the necessary skills that he or she may be looking for in a senior manager. If anything, this should inspire their confidence in you, that you can handle tricky negotiating situations that may have an effect on the company’s performance. In the case of salary negotiation it is a useful mindset to have if you approach the situation with the knowledge that you have already been offered the position, and that you are happy to accept the job if the terms and conditions are agreeable to you both.

If there are other terms and conditions that are negotiable, you can use the same approach. Possible negotiable items could include:

- Bonuses
- Annual leave
- Benefits – company car, health insurance, hotel accommodation etc
- Overtime payments
- Commission
- Petrol allowance
- Pension matching
- Shares and/or share options
- Expenses
- Sponsorship for further education
- Legal assistance
- Salary review date

This list is not exhaustive.

As you practice these skills, you will find that negotiating becomes easier and you will start to use these negotiating skills in your personal life as well as business. Remember, for each negotiating interview, you may only get one chance. It is highly unlikely that you will be able to return to your new employer and renegotiate a higher salary once you have accepted the role. The types of negotiating skills needed to become an expert negotiator are usually found through employing the services of career consultants, or through on-line courses.

Author: Steve T Roberts
Source: ezinearticles.com

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Avail Easy Finance Quickly Through Instant Payday Loan

By admin on March 8, 2010

On a lot of of the occasions bacon earners are beneath burden of alignment money for this or that plan by the time the ages has progressed a bit. The coercion for money may be for host of affidavit like affair medical costs or paying for apprenticeship bills. Salaried chic has usually just one antecedent of assets to depend on—the bacon itself. So, they delay for the next paycheque and adjourn the all-important works or they can opt for burning payday loan.

Instant payday accommodation is alleged so because it is accustomed instantly for the accessibility of the salaried people. The action from applying for the accommodation to its approval and getting deposited in the borrower’s annual is completed aural hours. You can use the accommodation for any purpose like home improvement, allowance medical bills, paying for college apprenticeship expenses, affairs a car or even paying off baby debts.

To annual burning payday loan, all a salaried being is appropriate to do is assurance a acquaint anachronous cheque absolute the adopted bulk and lender’s fee and action it to the lender. The cheque serves the purpose of accepting the accommodation in the absence of any accessory aback payday loans are basically apart loans. Burning payday accommodation is usually taken for one or two weeks till the borrower gets his next paycheque. Just if the bacon is in the borrower’ account, the lender deposits the column anachronous cheque in borrower’s annual and gets aback loaned amount.

Lenders usually action ฃ100 to ฃ1500 as burning payday loan. How abundant one can borrow depends on his account assets and banking position which the borrower should prove to the lender by assuming accompanying abstracts if asked. Normally profe of application cachet is abundant to amuse the lender about safe acknowledgment of the loan.

The accommodation may appear at college absorption rate. This is because of the apart attributes of the accommodation and aswell due to the actuality that the accommodation is offered for a actual abbreviate appellation of 7 to 14 canicule which can be extended.

Salaried humans or any borrower can yield burning payday accommodation even if they are labeled as bad credit. There is no charge for the lenders to analysis borrowers for bad acclaim as column anachronous analysis is with the lender. If application cachet of the borrower is clear, lenders are assured about safe acknowledgment of the loan.

Instant payday accommodation serves the purpose of alms a accommodation instantly to the humans who accept no added antecedent of assets to depend on and crave baby amount. The accommodation goes a continued way in convalescent acclaim account aswell if paid in time. Make abiding to adjustment the accommodation in time contrarily you may face college fee and interest.

Author: CelesteParker
Source: articledashboard.com

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Payroll Processing Software For Accurate Salary System

By admin on March 8, 2010

The payroll is software which shows a record to each employee regarding his or her gross pay, deductions, and net pay. It also includes details of employer’s associated employment costs. Payroll solution offers many different features amongst which it is to be decided which suits your requirement. Also be aware while choosing your payroll solution and make sure the payroll solution allows for full flexibility and payroll solution software functionality. There are different types of payroll services like outsourcing payroll processing and company payroll services amongst others. Earlier it was very difficult for the small scale and mid scale business owners to have their own team of payroll professionals.
But, now it is easy for such group of business owners to have their own team of payrolls professionals working for them in form of outsourced company payroll services. Companies that are doing economical payroll solutions prefer outsourcing their payrolls. That is because, by utilizing a payroll processing company you are using an expert group of payroll professionals to manage your company payroll needs.
Payroll processing organizations guarantees of accuracy and reliability.
Outsourcing payroll solutions helps company to concentrate on other departments like Marketing and product development. This will relive the staff from the burden of payroll department and the expensive software require in maintaining the records. There are three options for the small business owners to enhance and simplify their payroll process. These are either to acquire payroll software, or outsource payroll via professional payroll services, or sign up for online payroll. It is very difficult to choose one from them as they all offers similar services. However each one of them targets different markets. It is also to be noted that some software solutions offers more than payroll and are industry specific.

Now a days business of all sizes are preferring to outsource their payroll services just to avoid keeping track of hours and taxes to making bank deposits and signing checks.

The three main reasons of taking payroll servicing are

• The most common types of basic payroll services and how they work with businesses to ensure accurate and timely compensation
• How to determine which type of payroll service is best for your business, and best practices for working together
• How additional services available from many payroll companies can dramatically improve your profit and productivity

Also, keeping track of payroll is important in any business without considering the size of the company, as it is so important one cannot afford to make mistake with it. Payroll software UAE is one of the widely used payroll software in Middle East. There is much other country specific payroll software in particular region.

Author: Arvind Mehta
Source: articledashboard.com

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The Penalties of Poor Pay and Bill

By admin on March 4, 2010

Complications arise every day in the workplace, whether it through software malfunction or through the mistake of an employee. Out of date software or unqualified personnel could be the reasoning for complications arising and this emphasises the need to invest in employee training and development and in the right software for the company. Complications with the pay and bill are not uncommon due to ever changing legislation, differentiation with codes and paperwork, and new features that incorporate pension plans and medical aids for example. The penalty for withholding or being late on payroll payment tax can be substantial as the IRS will issue a number of penalties. A payroll penalty usually hits businesses that can least afford them, whether they are a new business or a company with cash flow problems. But there are a number of things that can be done to reduce a payroll tax penalty. The first thing to take into consideration is to actually contact the IRS and ask whether the penalty can be abated if the underpayment of the payroll tax is the exception, not the rule. If a business is new and has paid all the other fees then it is more than likely that a miscalculation may have been made. Even if the company has been established a while and has only missed one payment then the company can be credited as they have a good credit history. If a company can prove that the late deposit is an unusual event then the penalty can be abated. Payroll penalty tax is generated by figuring out the multiplied amount of the late payment by a payroll tax penalty percent and that percent is based on the number of days that the company is late. This can prove to be costly if the employee in charge of pay and bill makes a mistake, as if the employer has not designated what payments get applied to what payroll liabilities then the IRS will generate quarterly penalties by applying the earliest payroll tax payments to the earliest payroll tax liabilities So basically, if the payroll payment is made late then the other timely payment are also made late. Pay and Bill software can eradicate the complexities of payroll and will eliminate the chance of making any mistakes in regards to payment. Pay and Bill software allows you to electronically calculate taxes and deductions precisely. Pay and Bill software also allows a company to calculate salaries, commissions and differentiates department pay. Software may not be right for your company, as if you have a small company with 10 or so employees then it may be more cost effective to look into payroll outsourcing. Outsourcing the payroll to those that are specialists in the field will eliminate the complexities and worries that pay and bill bring and also enhances company efficiency as the employee that was entrusted with the payroll can utilise their skills on other tasks which may prove to be more worthwhile than investing in payroll software.

Author: J Ireland
Source: articlesbase.com

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Same Day Loans No Faxing- Best Loan Option for Salaried People

By admin on March 4, 2010

If you are doubtful about your qualification for the loan due to your adverse credit score then you should relax and apply for same day loans no faxing. These are issued to you in less than 24 hours time that too without bothering you for any kind of credit checking. These are easily issued to you in few hours time. You are just required to fill an online form that will take only a few minutes from you. This online form will ask you to fill in some of your personal information required for the approval process. If you are thinking about the safety of you information then you should probably calm down as the lender assures that the information is absolutely safe and will not be shared with anyone. These loans are quickly issued because the formalities for these schemes are free from all the tedious formalities. You are not required to go through any kind of paperwork for the loans nor are you required to fax any documents for them. Same day loans no faxing are also free from the credit checking formalities. You are not required to go through any kind credit checks. Your application is approved on the basis of your current income. So if you are currently employed and are earning enough to prove your power to pay back then these loans are issued to you instantly. The interest rates of these loans are a bit higher than the other loans so you should take care of the fact that the amount you are borrowing is limited to your capability to repay the borrowed amount. The penalties for late payments are also very high so it is advisable to plan the repayment well in advance. So if you are looking for a small time financial assistance then you should apply for these loans.

Author: alen maker
Source: articlesbase.com

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A PayDay Loan Covers Your “What If’s”

By admin on March 3, 2010

Sure, your business partner just called you from Las Vegas, telling you that he and your secretary have eloped with the petty cash fund, and he won’t be coming back to work, because he is taking his stand-up comedy routines on the road-got great reviews from all twelve people who watched him at open-mic night. But you don’t really need a payday loan because your rich aunt Sophie will provide more than enough money to cover the petty cash fund, make the payroll, pay all your vendors, and leave a little extra for a lovely lunch afterward.

Or maybe not. What if Aunt Sophie tells you that you profoundly have disappointed her, and she has disqualified you as her favorite nephew, instead putting your cousin Clarence in that coveted position. You cannot take-out a payday loan to cover the payroll, but you probably will need one to cover the family’s expenses until you recover from the shock of your partner’s marriage. A payday loan helps you prepare for the worst as you hope for the best.

Of course, your beloved old Buick Roadmaster just threw a rod, blew out all four tires, slipped a windshield piston, converted its catalytic, and fizzed the ostwilical prefuricators in three cylinders, but you don’t really need a PayDay loan. Your boss will pay the mechanic to fix all those problems and throw-in a set of custom rims, because he just loves and adores you so much, so abjectly admires your work and considers you such a valuable asset to the company that he will barely give it a second thought.

Or maybe not. What if he says that his very own beloved Buick Roadmaster just bit the dust, went belly-up, gave-up the ghost, and generally conked-out? What if the boss says that he has spent all but his own lunch money on his very own personal car repairs, and he just cannot quite come through for ya this time? Just in case the boss doesn’t show his love and devotion in quite the way you expect, you might want to collect a payday loan. A payday loan will cover your car repairs, and you can pay it back when you get your commission check next week. A payday loan helps you cope with the unexpected.

Of course, your son studying at Harvard just called to tell you that he may not win this year’s Nobel Prize for Chemistry after all, because he kinda accidentally blew-up the laboratory as he mixed volatile compounds, and his professors feel somewhat chagrined at his performance. But you don’t really need a payday loan because your ever-so-friendly next door neighbor, the one with the high-paying job and the trust fund happily will give you-not lend you, but outright give you-all the money you need and want, throwing in enough extra to have a Harvard building named after him.

Or maybe not. What if your neighbor all of a sudden turns not-so-friendly, reminding you that you still have almost all the garden tools he ever owned? Just in case your neighbor grows surly, you might want to think about taking fifteen minutes to apply for a payday loan. A payday loan protects you against life’s catastrophes, giving you the cash you need right now, and letting you pay-off the loan on your next payday.

Author: Lindsy E.
Source: ezinearticles.com

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Surgical Technician – A Rewarding Career Option in the Health Care Industry

By admin on March 2, 2010

A surgical technician is a trained professional who plays a very vital role to any undergoing surgery. Though there may be slight variation in the role of a technician depending upon the different medical facilities within the United States, but in most of the cases a surgical technician helps the surgeon by passing surgical instruments at the appropriate time, transporting patients to and from the operating room, and preparing patients for the procedure with proper cleansing of the incision site. In addition to this, techs may also assist by helping surgeons put on operating room clothing and caps, so that a surgeon can remain completely sterilized before entering the operating room. It won’t be wrong to say that a surgical technician also known as the technologist is a vital member of any surgical team and whose presence is very important for any surgery. Employment Scope Over the past few years, with the growth in the population and hospitals in the United States, the demand for surgical technologists has increased drastically. If we look at the scope of this profession, it has grown up and in next few years expected to boom further. In fact, the job growth is projected to be faster than average as compared to all other professions through 2012. As per the recent analysis done by some of the leading heath care industry experts, the employment of surgical technologists is anticipated to grow near around 24 percent, which is much faster than the average for all occupations. In addition to this, in recent years some of the major technological advances, such as fiber optics and laser technology have created a better scope of surgical technicians. Though hospitals have always remained the biggest employer, but with rapid growth in the ratio of doctors’ offices and outpatient care centers, like ambulatory surgical centers are emerging as yet another working options for surgical technologists. Good Salary In terms of salary, the amount of salary a surgical technician can earn is quite decent and better than many other professions. In general, the median surgical tech salary is between $30,000 and $45,000 per year. However, it is also important to understand that the earnings for surgical technologists also differ depending on the workplace and the location. If we study the recent observation made by Bureau of Labor Statistics, U.S. Department of Labor the average annual salary for surgical technologists as of May 2008 was $40,070, with the top 10% or earners making an average of $54,300. Adding to this, the average salaries of surgical technologists by location are: Location- Salary Specialty Hospitals (not Psychiatric and Substance Abuse)- $42,420 Outpatient Care Centers- $40,490 Offices of Physicians- $40,320 General Medical and Surgical Hospitals- $39,770 Apart from all this, working as a surgical technician has its own rewards. These days many surgical centers provides additional benefits such as paid vacation and sick leave, health, medical, vision, dental insurance and life insurance. Few centers also provide tuition reimbursement and child care benefits. Moreover, the field even provides options to advance career by doing specialization in a particular area of surgery, such as neurosurgery or open heart surgery. With additional training, surgical technologists may even advance to first assistant.

Author: Subhash Kandpal
Source: articlesbase.com

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Focus on Providing Value, Not Making Money

By admin on February 28, 2010

Most of us get caught in the trap of constantly focusing on how we can make more money with our businesses. You know how it is … some nights you lay there in bed tossing and turning trying to figure out how you can increase your sales just an additionally $10k each month to afford that new employee, or maybe to simply stop ending up in the red each month. That can be a horrifying feeling and often eliminate any chances of you getting quality sleep until you figure it out.

Well, I am here to tell you that as long as you find yourself chasing the “almighty dollar” you’ll continue to be sleep deprived. I know this may sound crazy but it’s absolutely true.

For years I wondered why our company seemed to live “paycheck to paycheck” or “payroll cycle to payroll cycle,” when I spent so much time each day trying to figure out how to increase the company’s revenue. I just couldn’t figure it out. Finally I brought this concern up to a mentor of mine and was surprised when he told me, “You are focusing on the wrong thing.” I was a bit irritated when I heard that response. Heck, I am intimately familiar with the “Law of Attraction” and know that we attract the things and circumstances we focus on most of the time. I figured I’d set all my preconceived notions aside and ask him what I was supposed to be focusing on, if not increasing the company’s revenue.

He told me the perfect way to build a thriving company is to make sure you have clients that are raving fans, and the best way to have raving fans is to provide a tremendous value to them. The Internet has conditioned people to focus much more on “What’s in it for them” than ever before. If you build your business while keeping your focus on giving your clients much more than they expect, they’ll tell everyone they know and your business will soon go through the roof.

Wow. I was amazed at how simple this concept was, and even more amazed that I couldn’t figure it out much sooner. I knew it was important to focus on providing solid customer service, but when I looked at my business from this perspective, I realized that simply good customer service wasn’t going to cut it.

The bottom line is if you are focusing on taking care of your clients and prospective clients by delivering excellent content for free, they will begin to like you. Once this happens they will happily take out their checkbook when you have something to offer them. Focus on giving and you will receive much more in the end!

Author: Pete Brand
Source: ezinearticles.com

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Benefits of flexible spending accounts

By admin on February 27, 2010

Flexible Spending Accounts (FSAs) are one the numerous tax-advantaged financial accounts that are authorized by the Internal Revenue Service (IRS). With an FSA, employees may save a portion of their earnings to cover for qualified medical expenses and/or dependent care expenses. As money deducted from an FSA is not subject to payroll taxation, employees have substantial payroll tax savings up to 20% thus lowering their taxable income. FSAs are classified into: Health Care FSA (HCFSA) The Health Care FSA (HCFSA) covers for qualified medical and health care expenses that are not covered or are partially covered by health, dental or vision insurance or by Federal Employees Health Benefits (FEHB) plan. Common medical coverage includes: doctors’ fees; hospital services; nursing services; labs fees; long-term care services; acupuncture treatments; alcohol and drug addiction treatments; smoking-cessation programs; vasectomies, hysterectomies and birth control; hearing aids; wheelchairs; guide dogs; crutches; prescription medicines; and insulin. Limited Expense Health Care FSA (LEX HCFSA) The Limited Expense Health Care FSA (LEX HCFSA) covers for qualified dental and vision care expenses that meet the IRS definition of medical care. Only employees who enroll in a Federal Employees Health Benefits (FEHB) plan with a High Deductible Health Plan (HDHP) and a Health Savings Account (HSA) are eligible for LEX HCFSA. Expenses covered under LEX HCFSA are cleanings, fillings, crowns, and orthodontics for dental care and eyeglasses, contact lenses, refractions and vision correction procedures for vision care. Dependent Care FSA (DCFSA) The Dependent Care FSA (DCFSA) covers for eligible dependent care expenses such as child care for children under 13 years old or day care for elderly parents or anyone who is claim as the employee’s dependent based on physical or mental disability. Advantages of FSAs One of the major advantages of medical FSAs is their tax benefits. IRS guidelines allow employees to contribute to FSAs using their pre-tax income. In doing so, they can save on federal and state income taxes as well on their portion of Social Security taxes on the amount they authorize their employer to put in the FSA from withdrawing from their paychecks on an annual basis. By setting aside a specific amount per year for a medical FSA, the entire amount is immediately available, either on January 1st when the program starts or after the first contribution to the FSA is received by the FSA vendor. The money that the employees contribute is not taxable because IRS considers FSAs as ‘health insurance plans for tax purposes’ and therefore, income received from a health insurance plan is not taxable income. Upon termination of employment, employees are not required to continue contributing to the FSA. As the taxable income decreases, employees can increase their take-home income. To illustrate the tax benefits of FSAs for employees, we assume that an employee of the company X earns $50,000 for the year and contributes $5,000 to an FSA. By contributing 10% of annual salary to an FSA, the taxable income is reduced to $50,000-$5,000 = $45,000. If the employee pays taxes equal to 30% for the year, then he saves $45,000 x 30% = $1,500. Plus the money contributed to FSA is not subject to taxation when withdrawn provided it is used for qualified medical or dependent-care expenses. Employers are also favored by the FSAs because they are not required to pay their portion of Social Security taxes which is equal to 7.65% of the taxable income of each employee. To illustrate the tax benefits of FSAs for employers, we assume on the above example that the company X employs 10 people with an annual payroll of $500,000. Normally, employers would pay $500,000 x 7.65% = $38,250 to Social Security taxes. However, with the employees’ contribution to the FSAs that equals $5,000 x 10 = $50,000, the company’s taxable payroll is reduced to $450,000 for the year. The company pays $450,000 x 7.65% = $34,425 to Social Security taxes and saves $38,250 – $34, 425 = $3,825 in annual taxes. This amount combined with the $1,500 tax savings per employee results in a total tax reduction for the company from the FSA equal to $1500 x 10 = $15,000 (for all 10 employees) + $3,825 = $18,285 for the year. Another major advantage of medical FSAs is that it provides coverage of over-the-counter (OTC) medical products and drugs. Because of that, more and more consumers are expressing their interest in flexible spending accounts, thus considerably expanding the range of FSA-eligible purchases. Some important considerations Although flexible spending accounts lower the taxable income of employees who participate in such plans, they also involve a risk to employers because of pre-funding. The amount of money that employers lose because of pre-funding may be partially or more than compensated by the amount of money that is not spent in employees’ FSA accounts by the end of the plan year and grace period. Most FSA providers require that the receipts of OTC purchases show the complete name of the employee and they also require either manual claims or, submission of receipts after the fact. In the context of substantiation, IRS has recently developed the inventory information approval system (IIAS) that classifies items into eligible and ineligible at point-of-sale covering for automatic debit-card authentication. This makes medical FSAs very attractive for OTC purchases.

Author: Christina Pomoni
Source: articlesbase.com

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Broaching the Salary Issue

By admin on February 26, 2010

Everyone has heard that you don’t ask about salary on the first interview for a job.
In the best case, you don’t ask about it at all, because the interviewer brings it up, on the second interview. He or she will most likely say, “We should make sure we’re in the same ballpark compensation-wise.” But what if that doesn’t happen?
If you have interviewed twice – the interviews are done, and you’ve left the building – and no one has said a word about what the job is paying, that’s not great. It means that the company is happy to use up your time without bothering to check in to see whether you’ll be interested in taking the job if you get an offer. What if you spend all this time interviewing, and the job pays ten thousand dollars less per year than you’d be willing to take?
When you get a phone call, inviting you back for a third interview (meaning that you’ve been to two interviews already and salary hasn’t come up – and I’m talking about two separate visits to the company, not including a previous headhunter interviewer), speak up.
When the hiring manager, internal recruiter, or search consultant calls, or emails you, to say “We’d love to schedule a third interview,” say this (or write it in a return email message):
“That sounds great! I am very interested in the position – or, I should say, I think I am interested. I realized after the last meeting that we hadn’t talked about compensation yet. Shall we do that now?”
If the person who calls you, or writes you, isn’t a person who has the authority to talk with you about compensation (or if he or she simply chooses not to), suggest that this person get in touch with someone who can clarify the position’s salary range with you. Without delivering an ultimatum, you want to communicate this:
You’ve had me in to your building for two separate interviews already. Before we do a third one, I need to know whether pursuing this job is worth my time. Before I come in for a third visit, what’s the salary range?
It may happen that the person who’s trying to schedule Interview Number Three says to you, “that topic is on the agenda for the meeting we’re scheduling now.” You can suggest that you’d hate to waste the company’s time, and ask to have the hiring manager call you to chat further before scheduling another interview. Or, you can say, “Terrific. Who will be covering that topic with me?” Get a name. Then go ahead and schedule that third interview, and when you meet the person who’s supposed to cover the compensation issue with you, politely bring up the subject within the first ten minutes.
It’s unprofessional of an employer to you to assume that you’ll stay in the process indefinitely, without knowing whether the compensation the company is offering is anywhere near what you require. And while you don’t want to broach the subject before it’s time, you also don’t want to go too far down the pike without determining whether you and the employer are on the same page.
Liz Ryan is a former Fortune 500 HR executive, a workplace expert and the CEO of WorldWIT, the global online community for professional women. Liz lives in Boulder, Colorado. (http://www.worldwit.org)

Author: Liz Ryan
Source: articleage.com

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