The American Jobs Act, Unemployment Discrimination and Employment Brand

Online recruiting organizations: Are you ready to stop hiding from candidates? You should be. Your brand depends on it.

With The American Job Act currently before Congress, employers would be subject to EEOC discrimination claims if they fail to hire an unemployed candidate based on the fact that they are not currently employed. The notion was hatched as a backlash against the perception that employers do not want to hire unemployed workers.

That’s a specific law with a specific target, but if you peel the layers back, it’s the first salvo fired out of frustration from a country full of candidates that are tired of being treated badly by the people, systems and processes that have grown up around recruiting in the last 10 years.

I get it. Recruiting organizations are under siege by way too many qualified candidates for the positions they have. More importantly, they’re under siege by way too many completely UNqualified candidates.

While not considering candidates that are unemployed may cut your candidate pool down to a manageable size, it’s not smart from a branding standpoint. Unless your employment brand is cold and cutthroat, you should embrace all candidates. You should treat them with respect and you should engage as many of them as possible.

Everyone wants a fair shot. That’s just part of being human. And when sweeping generalizations like “we don’t consider unemployed candidates” take hold, or faceless applicant tracking systems process bits and bytes and spit out rejection emails (often delayed to appear like the candidate was considered by a human), then the appearance of a fair shot disappears.

Candidates are customers. Candidates are voters. Candidates are individuals capable of expressing their frustration to large numbers of other individuals through social networking.

Here is and actual tweet I came across the day after writing this article: “@jimcramer FYI you herd it here first, Taleo is keeping the unemployed… unemployed.”

Obviously, not everyone is qualified. And every recruiter has tales of resume spammers and unqualified, unprepared candidates sucking their time. But the fact is, if you appear not to care about candidates, then your brand suffers. And now with an entire nation who is totally focused on getting people placed in jobs, delivering bad candidate experiences is asking for more Federal regulations governing how you interact with candidates.

There is a quietly growing awareness in the industry that candidate satisfaction matters. There is a faint notion growing that engaging candidates and trying to ensure that they are communicated with and treated with respect and reverence, will actually result in a more effective recruiting process.

There are tools available that allow organizations to engage candidates and solicit feedback throughout the recruiting process. Companies can now listen to how candidates feel about their recruiting process from beginning to end, track satisfaction and fine tune practices to make them as effective as possible.They sit on top of a company’s career site pages and asks candidates what they think, in real time and with appropriately times follow up surveys.

Without fail, candidates regularly comment “Thank you for asking my opinion.” So when I say treating candidates with respect helps your employment brand, I speak from experience. Your “Best Place to Work” badge is fine, but it just lays there. Asking a candidate what they think about how they’ve been treated? That shifts the earth a little bit and provides evidence that you have a great place to work.

Plus it provides a goldmine of ideas about how to better interact with candidates, tweak your career site and make your online recruiting efforts more effective for passive candidates. The one’s who already have jobs. The one’s you were targeting that got the White House involved in messing with your business in the first place.

How to Value a Domain Name OR How to Appraise a Domain Name

The worth, price or value of a domain name can scope anywhere from couple of dollars to millions of dollars. The real challenge is how to evaluate the actual price of a specific domain name or how to calculate the website worth. There are unexpected and sudden news all the time about some companies are paying thousands of dollars for a domain name which is highly relevant to their business and company name. The considerable deficiency on the argument of people that don’t think that domains play an important role on the success of websites lies on the supposition that web surfers will bookmark or subscribe to a given website right after visiting it.

There are couple of important things and true techniques for appraising a domain name, you should look at when trying to evaluate and it include:

  1. The length of the domain, the shorter the domain is, the more it will cost. Because when domain name is short, it is easy to spell, remember and descriptive or brand able. Your domain should not contain hyphens and numbers and for me it should be with.com extension.
  2. One, two or three word domain names are much valuable than the others (Now a days, it is impossible to find a three word domain name with.com or.net extension). So, domains with very few words value the most.
  3. Websites that have been around for a long time in the search engines rank better, and so this increases their value. However, most sites that have been around for a long time aren’t for sale, so convincing the owner might take even more money.
  4. If we collect information from the start (August 6, 1991, first website went online) then most commonly, oldest and popular domain name had 7 or 8 characters and 2 words. Now, approx. 85% domain names having.com extension. Remain percentage having .net, .org, .biz and specific extension related to country names. Three to seven percent contains number or dash with their domain names. So, for me.com extension worth more than others.
  5. If the domains names that are difficult to spell, have non-alphabetic characters, are extremely long, or difficult to type in are not going to be worth more as compared easy to spell and easy to type domain names. Moreover, if you have already purchased a domain name with the extension or top-level domain (TLD) like.com, .net, .org, etc. can’t be changed once you own the domain.

What we can do to improve domain’s value?

Domain names were discover to make it easier for people to access websites, so it’s important that your domain is easily understandable.

  1. Does the domain sound good?
  2. Will people know how to spell it after hearing it?
  3. Is it easy to remember?

Any confusion that your domain causes will negatively impact how much others are willing to shell out.

Now, the most important thing is, what we can do to improve the domain value is the same as what you do to improve your website’s value right now before you sell the domain. It is compulsory, get more customers visiting your website. The more popular your site is, the more valuable the domain will become.

Definitely, if users or customers are eligible to find the website in search (Google, Bing, and Yahoo) there will be more visitors so, improve website’s SEO. For search engine optimization (SEO) you can find different solution like, on page and off page SEO. Increase the content as well, the more content you have on your website the more pages there are for people to visit. Now a days, social media is one of the powerful source to get more traffic on your website. Write more and more blog or article, for this purpose find the guest blogging websites and spread your thoughts or products around the world but one thing you should keep in mind, it’s important that your words are easily understandable.

If you are looking for a fixed formula to calculate exactly what your domain is worth then, unfortunately, you are out of luck. Appraisal services can agitate out a number based on a complex set of criteria, but there is much more to domain names than algorithms and search rankings. A domain exists in the wider context of the online and offline worlds and all of their complexities and refinement will play a part in how much interest there will be in your domain.

Wondering how to value domain names?

There are couple of rules about what makes a domain more valuable. Most people who are looking to buy a domain want to buy one that is already successful and most people on the web define success on page views and customers.

To calculate your domain’s value, you eventually need to understand who your prospective customer are;

  1. From which industry they are belonging?
  2. Is website important for their business?
  3. How applicable is your domain?

A domain is only as valuable as someone is willing to pay for it, so knowing what related domains are priced at, how sought after your domain is, and how much too reasonably expect a buyer to pay will help you arrive at the right number.

Happiness Or Housework – Get Organized For Both!

If you are like most women with a family, you are still at work on your “free” time. Time off is not for rest or play, but for trudging up that steep hill of never-ending chores. Housework organization is necessary, but remember as Gretchen Rubin of The Happiness Project says, “The days are long but the years are short!”

How do we master the tricky balance of keeping our sanity while having a reasonably clean and organized home?

Delegate

Many working women, including “stay at home” Moms, still do more than their fair share of work. Think about this: if someone had to pay for that family maintenance work, the estimate runs upwards towards $100,000 yearly!

Want to see your time? Get some paper and divide the page into three columns. In the first column, list all of the weekly household tasks. In the next column, the approximate time it takes per week. In the third column, who’s doing it. Now add up everyone’s time, and get delegating!

Even young children can put clothes away, pick up after themselves and help with simple chores. My six year old granddaughter can run the vacuum through the high traffic areas. Encouraging kids in positive ways from a young age saves countless hours spent arguing later on! My Mother was always stressed over doing housework on her day off. I don’t blame her, but it didn’t help motivate me much!

Get Organized With The 4 B’s

Life Coach and author Martha Beck created a prioritizing tool called The 4 B’s: Bag It, Barter It, Better It and Batch It.

Bag It means ditching it!. If you’re dusting once a week, can you Bag It and do it twice monthly? Let go of what you can. People that truly love you don’t care about a little dust on your end-table.

Barter It means trading, including with money, to have someone else do it. Women often say they can’t afford a cleaning person, but regularly spend it on a casual dinner out. Feel guilty paying someone to do “your” work? Think of it as a priceless investment, giving precious time back to you and your family!

Better It means adding something pleasurable to something dreadful. Hate doing dishes? Better It by making a playlist that rocks your energy! Make it a game and count the songs it takes to empty the sink. “Better it” for your kids and Google “games to get your kids to do chores!”

Batch It means doing similar tasks all at once. Pick one hour for family “just do it” time. Shut down the electronics and don’t do anything else during that time. Make it fun, and set up rewards for everyone, including yourself. Rewards are powerful motivators and don’t have to be complex or expensive.

Organize In Baby Steps

Break big jobs into small steps and start with the smallest one. Give yourself permission to stop after completing the first step. Telling ourselves we only have to take one baby step relieves motivation-sapping mental stress, and we may end up inspired to keep going!

Little things add up. Stash natural cleaning wipes in the bathroom and wipe surfaces a few times a week after your bathroom routine. You’re already in there and it takes 60 seconds to wipe out a sink. When you walk through a room, pick up a few things. (See next.)

Get in the habit of putting things in one place, even if it’s just in piles. Assign specific areas for papers, mail, dirty clothes, coats and shoes. Even a little bit of organization saves huge amounts of time looking for lost items, reduces clutter, and makes cleaning more efficient; sorting one pile is easier than finding it all over the place on cleaning day.

Well begun is half done. (Mary Poppins had it right!) Pick one thing, and just get started! It’s never as painful a task as we think and it’s usually done before we know it. Find a balance, make it fun, get it done and go on to live your life!

Some Things Your Car Insurance Company Won’t Tell You

1. How to determine the value of “total loss.”

Most companies will tell you that they use at least three methods or schemes to determine the actual a totaled vehicle’s value including value books, computer-generated quotes from dealers, and local market research. In this case, you will probably think that local area is your current neighborhood, but it is not specifically defined by the insurer. If, in any case, the company cannot find an auto replacement in your neighborhood, so they have to find it not from your “local area,” your totaled car’s value is certainly affected. For example, if you currently live in New York, replacing your totaled vehicle in suburbs will be cheaper than in the city. Insurance company will, of course, use quotes from suburbs area as the most-reasonably-priced estimates. The main purpose in totaling a vehicle is to allow the consumer (the insured person) to purchase the same car that is totaled in an accident within the local market. Since they use three different schemes to figure out real value of a totaled car, a consumer may end up with a cheaper car than the totaled one. It is impossible to be sure what value you will get when your company does not tell you how they determine it.

Fortunately, you can do some smart methods to help yourself and your company to do the value determination. First, you have to produce valid proof that your car was in good conditions when the accident occurred; car in good condition has better value than a wreck. Bring a copy of maintenance records including oil changes and inspection by an authorized mechanic. The records will tell your company that your auto was regularly maintained, meaning it was actually in great shape (in terms of appearance and performance) when the accident occurred. Moreover, you probably had special features installed such as multimedia system, anti-theft system, anti-lock brakes, rear view camera, or 5-harness seat belt. The car insurance company may charge you more because of some special upgrades, so make sure that your insurer includes that in the evaluation.

Another good thing is to find at least three dealers and get quotes on replacement from them; make sure all dealers in your local area or at least within short driving distance from your home. Present the quotes to your insurer and ask your insurer to provide a list of some car dealers who probably can provide a car for the price listed in the quotes. If you are not satisfied with the company’s value determination or you get less than you expect, you can choose to do mediation. So, meaning you present the case to third party (neutral) to get help to settle the dispute, or arbitration, or you can even request a formal inquiry to the court.

2. If you want to cancel your policy, do it officially

Most companies say that consumers can cancel their policies at any date, but you need to notify the insurer concerning the exact date you want to end the coverage. The statement is clear enough; in other words, it says consumers have to notify their companies when they want to cancel their policies. However, consumers often think that when they ignore the last bill before renewal, the company will automatically end the policy. Too bad, this is not how it is done. People can forget and deliberately miss a bill, and the company totally understands that. After this first missed bill, your insurer is going to send you one more bill for premium payment; if you don’t pay the bill, you will be cancelled for non-payment, and the record will hurt your credit score.

What you should do when you want to cancel auto insurance policy is to let the company know that you are canceling. Please make sure that you provide a specific date; it helps you avoid being totally uninsured for a certain period, time, term. The cancellation request will be sent to you, and all you have to do is to put your signature. It is recommended that you carefully check the document before signing it. Some companies may require you to provide valid proof that you indeed have another coverage before they can approve the cancellation. If you’ve financed your car, the dealer needs the updated policy information because valid proof of insurance is required in the purchase contracts.

Credit history still matters

The use of credit information to determine approval and premium rate is still common, despite the fact that some states already started to ban such practice. Some (if not most) companies use the credit history to generate risk score. They believe that it strongly linked or correlated to the likelihood of the consumer reporting a claim. More likelihood of filing a claim is exactly the same with high-risk driver that usually also pays more expensive premium fee compared to “safe-driver” or “the preferred class.” The preferred consumers are those with stable credit card history as it suggests financial stability, meaning they are not likely to miss a payment. People of this category are safer consumers to insure compared to people with shaky credit history. Auto insurance companies do not like consumer who pays sporadically or changes accounts quite frequently.

There are some credit card issuers who offer free credit score checking, but in most cases, you need to pay for the service. Unlike credit score, risk score for insurance-related matters will not be available for you, but both probably indicate the same thing which is financial stability. If you are currently in the market to purchase auto insurance, and it turns out that you have quite unusual activity on your credit history within only certain time frame, you can wait until one month to allow the credit activity to go back to its usual condition. If you cannot keep the credit score stable, prepare yourself to pay more expensive premium fee.

3. Budgeting by installments is not always efficient.

Installments can pay almost all items, and consumers think that it is indeed the best way to budget the expense. When it comes to auto insurance, you can ask the company to divide the annual premium into a monthly basis, quarterly, or on six month. Please put in mind that dividing the annual premium will cost you “fractional premium.” You can consider this additional service fee to arrange the installment. It can be as cheap as $10 per payment; the more you break it down, the most fractional premium to pay.

Most companies will probably offer you to pay in installments since it makes more money for them. When you apply for insurance, it is wise to ask whether there is any additional charge for installments option, and then you can compare the difference. If the fractional premium is not very expensive, then perhaps it is worth it. Another big difference between upfront payment and installments is that certain companies will immediately cancel your coverage if you miss one payment; even worse, they can do it without notification. It is best to pay up front if you can; the entire process will be easier, and you can indeed save few dollars.

Every vehicle model and type has certain premium rate

Of course, you all know that sport cars need more expensive insurance policies than a van, but insurance companies will not tell you the exact numbers. In general, it is true that attractive, sporty, luxurious car with turbocharged engine will go very quickly on the road, and it increases the risk of accidents, but this is not always true considering the discounts for safety features, security features, mileage (especially when you drive it less), etc. Auto insurance companies have a specific system to know the premium for all car models you can buy, based on the system rating by ISO (Insurance Service Office). Every type of car is rated from 3 to 27; higher number means a higher premium. Insurance Service Office says that it will not release the rating system for publication because its clients are insurance companies.

You will not get the rating system from your insurer; you may not even find it anywhere at all. The best thing you can do when you want to purchase a new auto is to ask the insurance how much insurance premium you need to pay for a new car that you want to purchase. If you keep a good relationship with an independent agent, he/she should be able at least to predict the price based on raw calculation.

4. Filing claim increases your premium.

People are always interested to see insurance companies reduce premium fee to attract potential customers. It is indeed one of the best things customers get from the competition in the market, but your insurer can increase the price right away after you file your first claim. The industry standard is to increase premium fee up to 40% of the base rate after first-at-fault accident. With the help of an online car insurance calculator you get a base rate of $500, your premium increases by $200. Some companies have different rules, but there is always a big chance your premium will go up after the first-at-fault claim. Some insurers offer “first-accident forgiveness,” meaning your first actual claim will not affect the premium at all, but the variable and requirement for eligibility can be different from company to company. You should ask your insurer if such discount is available and how to qualify for it.