The "mean girl" mentality doesn't stop after high school graduation day. Unfortunately for some, once a bully, always a bully. This mean-spirited, often-abusive behavior can carry on into adulthood and squirm its way into offices and boardrooms. While the "mean girl" may think she's tough and intimidating, inside, she's likely insecure and immature.
How to tell if you're being victimized? As per The Balance, ask yourself this, "Do you regularly feel intimidated, dread to work near a particular coworker, or you're yelled at, insulted, and put down? Does a coworker talk over you at meetings, criticize you, or steal credit for your work? If you answer yes to these questions, chances are good that you're one of 54 million Americans who have been attacked by a bully at work."
You may be a self-assured and savvy individual, but when a "mean girl" sets her target and it lands on you, her predatory nature won't be scared off easily. Perhaps the more envious she is of your work ethic and inter-personal relationships with co-workers, the more she will zone in on you to cause trouble.
Just because a "mean girl" lights a fire it doesn't mean you must sit idly by to watch it burn. When ignoring her doesn't work and your job performance and level of comfort is diminishing, it's time to act. Bullies are not bullet-proof and must be put in their place. Use these tips to get the "mean girl" to quit her disruptive and detrimental behavior once and for all. You'll regain your sanity, protect others from future abuse, and perhaps she'll one day reflect on her patterns and actions to make changes for the better.
Keep Your Cool
Freak out and you'll give the "mean girl" just the reaction she was aiming for. Not only will your reaction excite this bully, but it could cause you to get a bad reputation around the office as well. What to do? As per Fast Company, "Find a way to stay calm and work on your game face. If you show that you're hurt or upset, that's going to make them happy as heck. Stay grounded."
It may take a moment to think before you react, but by keeping composed, you're already ahead of the game. And that's really what this is in her mind… a game. Only now, you're the winner.
If you opt to say something to the "mean girl," make it direct. Don't beat around the bush or communicate anything that is vague. Setting limits is something The Balance strongly advises. "Exercise your right to tell the bully to stop the behavior. Describe the behavior you see the bully exhibiting. Don't say you're mean and nasty to me. Meaningless commentary to a bully. Better? You regularly enter my cubicle, lean over my shoulder, and read my personal correspondence on my computer screen."
The Balance adds that you must make it clear how their behavior is negatively impacting your work and what you are not prepared to deal with any longer.
Keep Accounts and Report
If bullying is bothering you, you must document the events. As per Fast Company, "Write down what happened and when. Keep detailed accounts of the circumstances, exactly what was said, and who, if anyone, heard or saw it."
Huffington Post adds, "Never leave the documentation in the office." You don't want the "mean girl" to get her hands on it and destroy the evidence or have one of her cohorts get back to her with the damaging information.
Report the situation to your superior or HR. You do not deserve this treatment and must put an end to it. According to U.S. News & World Report, "HR is specifically designed to handle these kinds of complaints. They understand the potential legal ramification if the situation escalates. Describe what is happening in detail and explain how the situation is impacting your ability to do your work. It's important to stress that you want to find a productive, comfortable way of addressing the situation."
"Mean girls" are not powerful enough to block your success. Deal accordingly and take the high road. She certainly won't be walking there!
Whether you are looking for a new job or trying to grow in your current one, getting a certification can be a great way to improve your skills.
Anyone can put that they are proficient in a computer program on their resume but having a certificate can help you stand out amongst the competition and give credence to the strength of your skills.
But what's the best way to invest in yourself without breaking the bank? Some certification programs can cost hundreds if not thousands of dollars. We are going to walk through six of the best certifications you can get for $100 or less.
Who is it best for: Those who work with analyzing and presenting data.
Cost: $100 for Tableau Desktop Specialist; additional certifications are available for a larger fee.
More companies than ever see themselves as data companies. Being able to understand data and use it to guide decisions at your company is often critical to taking on a leadership role. Not to mention, being able to present the data in a clean, attractive, and compelling way can help get buy-in from others in your organization or clients. That's why Tableau is a great tool to have in your toolbox.
Tableau allows you to create interactive visual analytics dashboards. In layman's terms, you can take data; create graphs, maps, or charts; and then allow end-users to interact with these graphics to better understand the information. It's a fantastic tool allowing non-technical users to gain insights for data-driven decision-making.
Tableau Desktop Specialist certification starts at $100 and has no expiration date. There are many videos on Tableau's site to prepare for your exam as well as Tableau Starter Kits allowing you to play around and learn the different capabilities of the program. Tableau offers a 14-day free trial as well as free license for one year for students.
Additional certifications after Desktop Specialist are Desktop Associate and Desktop Professional. Those working with a Tableau server may also be interested in a separate certification as a Server Associate or Server Professional.
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When you take out a loan for a car, charge something to your credit card, or get a personal line of credit, there is going to be an interest rate that applies to your loan.
A lot of different factors go into what you will be charged, including your own personal credit score. But even those with flawless credit still see a minimum charge that they can't get around. That all goes back to the Federal Funds Rate.
One thing consumers rarely realize is that all of our banks are lending money to each other every night. Banks are legally required to maintain a certain percentage of their deposits in non-interest-bearing accounts at the Federal Reserve to ensure they have enough money to cover any withdrawals that may unexpectedly come up. However, deposits can fluctuate and it's very common for some banks to exceed the requirement on certain days while some fall short. In cases like this, banks actually lend each other money to ensure they meet the minimum balance. It's a bit hard to imagine these multibillion-dollar financial institutions needing to borrow money to tide them over for a bit, but it happens every single night at the Federal Reserve. It's also a nice deal for those with balances above the reserve balance requirement to earn a bit of money with cash that would normally just be sitting there.
The Federal Reserve
The exact interest rate the banks will charge each other is a matter of negotiation between them, but the Federal Open Market Committee (FOMC) (the arm of the Federal Reserve that sets monetary policy) meets eight times a year to set a target rate. They evaluate a multitude of economic indicators including unemployment, inflation, and consumer confidence to decide the best rate to keep the country in business. The weighted average of all interest rates across these interbank loans is the effective federal funds rate.
This rate has a huge impact on the economy overall as well as your personal finances. The federal funds rate is essentially the cheapest money available to a bank and that feeds into all of the other loans they make. Banks will add a slight upcharge to the rate set by the Fed to determine what is the lowest interest that they will announce for their most creditworthy customers, also known as the prime rate. If you have a variable interest rate loan (very common with credit cards and some student loans), it's likely that the interest rate you pay is a set percentage on top of that prime rate that your lender is paying. That's why in times of low interest rates (it was set at 0% during the Great Recession), a lot of borrowers should go for fixed interest rate loans that won't increase. However, if the federal funds rate was relatively high (it went up to 20% in the early 1980's), a variable interest rate loan may be a better decision as you would be charged less interest should the rate drop without the need to refinance.
The federal funds rate also has a major impact on your investment portfolio. The stock market reacts very strongly to any changes in interest rates from the Federal Reserve, as a lower rate makes it cheaper for companies to borrow and reinvest while a higher rate may restrict capital and slow short-term growth. If you have a significant portion of your investments in equities, a small change in the federal funds rate can have a large impact on your net worth.
Whether you're leaving a job involuntarily, departing for something new, or just want to prepare for the unknown, it is smart to understand all your options regarding your 401k.