Many of us have had jobs we hate. We might not like our jobs because of the type of people we work with, the nature of the work itself, or maybe a clash with the boss or upper management. Whatever the reason, it’s not unusual – at some point in your life – to desperately want to leave and/or get a different job.
It’s important to be happy in your work in order to feel properly motivated and satisfied, so if you’re not happy with your current job it’s time to leave. However, in the professional world, there are good and bad ways to quit a job. The way you do so reflects on you as a person and a worker, so tread with care.
Recommendations for How to Quit Your Job
1. Leave Before Things Get Ugly
If you can see relations start to break down with co-workers or upper management, or you’re just increasingly unhappy with your job, make a firm decision to leave before you get to the point of no return. You don’t want to curse people out on your way to the exit.
2. No Matter How Much You Hate Your Job or Your Boss, Be Considerate and Give Notice
I get that you may fantasize on a daily basis about storming out of your job Jerry Maguire-style while throwing your company ID card at your boss’s face. Really, how professional – or mature – is someone who leaves his job that way?
Put yourself in your boss’s shoes: Even if your employee hated you with a burning red passion, wouldn’t you want sufficient time to replace him if he held a position that required significant training? Even if it’s an employee or position that’s easily replaced, you’d still need time to find the right person. Companies place those who fit their ideals, values and goals, so replacing someone doesn’t happen overnight. Be considerate and give your boss at least two weeks’ notice.
3. Tell Your Supervisor or Boss Face-to-Face
Don’t send a text or write him a note, or even inform him via your resignation letter. Be a man or a woman and tell your boss directly before making any other moves to quit. It’s just the respectful thing to do.
4. Even if You Tell Your Boss Personally, You Still Need a Resignation Letter
This is primarily for record-keeping and paper trails, but a formal resignation letter is usually required for mid- to senior-level positions. Don’t use the letter to vent about whose face you particularly hate seeing in the morning, or rage about the company policies you hate or how unfair it was that your partner was promoted a year ago. Keep it simple: name, position, intent to resign and date of resignation.
5. Don’t Slam the Door Shut on Yourself
Even if right now you can never imagine wanting to come back to work at your current job, leave that door open at least a crack. You never know how work environments, people or management can change in five or 10 years. If you have a professional area of specialization, that’s all the more reason not to burn your bridges, because you may have less options for jobs that require your area of specialized expertise.
6. Don’t Forget You Need a Good Reference
You’re hurting yourself if you leave your current job on bad terms, especially if it’s one of only four jobs on your resume, and you’ve had it for the last six years. Who is going to give you a relevant, positive reference? The people you just burned? Doubtful.
7. Keep a Humble but Assertive Attitude During Your Last Days
People tend to be either hyperaware or totally oblivious to the change in their role as soon as they resign. The time left after your resignation is time you’re giving out of consideration, but you are no longer an employee of your former boss – you’re an equal. Don’t be annoying and smug about this sudden change, but don’t totally overlook it or allow your former superiors to obligate you into staying longer or doing more than your fair share.
8. Don’t Gloat, Sneer or Talk Trash
Be professional. Don’t badmouth your boss or your co-workers behind their backs. Don’t reveal company secrets. Don’t brag about your new job to your co-workers on a daily basis. Be tactful and be graceful.
I would also add the following: Don’t apply the above recommendations merely for self-gain alone. Don’t burn your bridges because you might need that job later. Don’t create bad relations with your boss because he could be a potential sales contract at your new job. Ingratiate yourself to your co-workers because they’re valuable networking contacts.”
Whatever you do, don’t scream, “Screw you, I quit!” and slam the door behind you. This will add stress and extra responsibilities for everyone. Be sure to adhere to a decent work ethic and code of conduct. It doesn’t matter if you’re a waitress or a CFO – leave you job gracefully and professionally. It’s the best choice for your boss, your co-workers and especially for you.
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Working for Yourself: Pros and Cons
Most of the people who leave their jobs and start a business of their own do this on an impulse. The reason is simple. Working in an organisation means you are answerable to the people higher up the success ladder. Often due to office politics, even the right decisions by you aren’t appreciated.
It is always fun to think that you are working for yourself. You do not have any fixed schedules to adhere to. You do not have anyone to dominate you or fire you. The independence that a personal venture brings along with it is always thrilling.
Yes, there sure are countless benefits of working for yourself. Here we have listed out a few prominent benefits that usually lure people to starting their own venture.
Advantages of working for yourself
1. You Do Not Have Boss Above You:
The most annoying aspect of a job is a boss who is there to dominate you. If you have a good and understanding boss, you are lucky. But most often bosses tend to be bullies who exploit their juniors and extract maximum work from them. People who are under such bosses would surely prefer to have their own venture.
When you start your own business or startup, you can work on your own will. You do not have to abide by anyone’s orders. This is particularly good for people who do not possess the knack of diplomacy. People who do not know how to handle different types of people or convince others in a gentle fashion should opt for a personal business or venture.
2. You Can Opt For Flexible Schedules:
Many people complain that their office schedule is so hectic that they do not get ample time with their loved ones. This is one problem you won’t face if you have your personal venture. You can schedule your work such that you get ample time with your near and dear ones.
There is no restriction regarding the time you should reach office or the time you should leave office premises.
This lack of restriction in a personal venture allows you sufficient flexibility to balance personal and professional lives. It also helps to reduce the level of stress that is very common in job life.
3. You Can Explore and Experiment:
Most creative and thoughtful people despise their jobs because the job gives them very little opportunity to explore and experiment. An age-old organisation with a set reputation will never bear the risk of experimentation from an employee. Most employees thus experience stagnancy after 2 or 3 years in a certain organisation.
This is not the case when you start your own venture. You need to be alert all the time. You need to come up with new strategies and ideas that help to increase growth of the organisation. These aspects of a business make it much more interesting than a job.
4. You Can Avoid Office Politics:
There are many individuals who are not good at tackling office politics. They do not enjoy going with the flow if they think the decision is wrong. This attitude can jeopardize their job in the long run.
A person who starts his own venture does not have to go through the ordeal of convincing the people ongoing ahead with wrong decisions out of peer pressure. You have the freedom to take the right decisions. You also have the freedom to make choices. This way you can completely avoid the politics part of the work management and ensure work gets done without wastage of time.
5. You Are The Boss:
The best part is that you are the boss when you start your own venture. You get to meet people at higher positions. You get special benefits as a businessman. You get respect in your family and social circles. No one has the right to rule over you. You have the complete control over your situation.
Disadvantages of working for yourself
Everything that has a good side has a bad side too. While there are many benefits of working for yourself, you cannot completely ignore the disadvantages. The risk is elevated in the case of a personal business. It may not be a good idea for you personally to start your own venture.
You need to possess the courage to take such risks. You also need to possess the foresight to predict the growth of the business. There are some major drawbacks of working for yourself. Here we have listed these out for your knowledge and reference.
1. You Need to Have a Strict Code of Discipline:
A high level of maturity is essential to ensure that you prosper and grow in your business. This means that you need to have a fixed set of personal etiquettes and a proper code of discipline. These are necessary to ensure that your business grows and expands.
People who lack a strict discipline may misuse the funds from the business for their personal needs. This can eventually lead to the failure of the firm and organisation. Individuals who have strong principles are capable of controlling their urges.
They make sure that they set aside a certain amount as business funds and use the rest to grow their business. They tend to use just about 20% for their own personal needs.
2. Any Failure Could Mean Monetary Loss To You:
In the initial stage of the business, any loss could mean that you need to put money from your pocket. You need to have some backup money to handle such situations. Usually traditional families are not very supportive in case of businesses.
You may not have family support and if you are not confident about your venture, their words could demotivate you. People who are capable of foreseeing such possibilities and tackling them smartly can start ventures and succeed.
3. Progress Could Be Slow and Gradual:
Patience is an important quality that every businessman should possess. Business ventures do not grow in a day. They require time, effort and dedication. They require you to consistently put in efforts. Instant gratification happens only in fairytales and if you expect the same in your life, you are being foolish.
You must try to grow gradually and save a small amount as profits. This way, the profits you save can later be used for further expansion without disrupting your income.
4. There could Be Lack of Job Security:
When you are working for a firm or organisation, you have job security if the firm is doing well. When the firm is in a loss, you simply need to switch the job and if you are good in your field, you will continue to make money.
This is not the case with a business or startup. Inspite of all the research, it is not always possible to predict whether a firm will make a profit or loss. Everyone may not be capable to handle this kind of job insecurity. This simply means that you need to plan your finances properly.
5. You Need to Have a Proper Growth Plan:
You need to have a well defined growth plan when you have your own venture. You should have a clear idea how much money you wish to make at the turn of the year and how you plan to grow.
A proper plan will help you allocate funds and grow your network accordingly. If you don’t have a proper growth plan, there are greater chances of misuse of money and finances.
Extremely Useful Tips for First Time Health Insurance Buyers
There’s nothing quite as confusing and bewildering as realizing you need to buy your own health insurance. The world of insurance policies and deductibles can be an intimidating place for newbies. So we have put together a list of extremely useful tips for first time health insurance buyers which will simplify the process and guide you past making any big mistakes.
Don’t go shopping without doing your research
First time health insurance buyers, STOP. There are some things you need to know before you call that number! Make sure you familiarize yourself with common insurance terms, what they mean, and what things are best for you and your lifestyle.
Health Insurance Terms:
- Premium: the upfront amount you’ll pay each month to have health insurance
- Deductible: the amount you’ll pay for health care services before your insurance kicks in
- Co-payment: Also called a copay, it’s a flat amount you’ll pay for specific services or medication, even if you’ve reached your deductible.
- Coinsurance: Unlike a copay, which is a flat amount, coinsurance is a fee you pay that is a percentage of the cost of a covered service.
- Out-of-pocket maximum: This the the most you’ll pay for covered health services in a single year, including your deductible, your copay, and your coinsurance. In 2020, the out-of-pocket maximum is $8,150 for individuals and $16,300 for families.
- Subsidy: Subsidies are the government’s way of helping you pay for health insurance. Obamacare technically provides three subsidy types: advance premium tax credits, cost-sharing reductions and Medicaid (more on these in a minute).
Conduct a Self Check-up
Determine how much coverage you need — and what you can afford.
If you rarely get sick or injured it might be a good option to go with a higher deductible and lower monthly cost, but if your lifestyle sees you in the doctors office more often than not, look into a low deductible and a low/no copay.
Unless you have a qualifying life event, you cannot apply whenever you want
Yes, that’s right, you cannot go without health insurance for half a year before deciding you had better buy some. Unless you have a qualifying live event, such as pregnancy or turning 26, (you cannot be insured by your parents after your 26th birthday) then you must apply during open annual enrollment. Companies typically hold open enrollment in the fall, while the U.S. government begins accepting applications on Nov. 1.
There are two types of networks
Deductibles and premiums aren’t the only factors to consider when choosing a plan.
You may also need to choose between two types of networks: PPOs and HMOs. A PPO gives you access to a broader network of doctors than an HMO, but PPOs generally cost more. Research what insurance companies your primary care physician accepts before purchasing a plan so as to not lose access to your doctor.
First-time health insurance shoppers may feel lost if they’ve relied on employer-sponsored health insurance up to this point. But health insurance doesn’t have to be complicated. Once you know what you’re looking for, where to shop, and how to keep it affordable, health insurance will be a regular part of your health – and your financial safety net.