TIPS TO SIMPLIFY RETIREMENT PLANNING

You’ve invested years into the workforce and are now considering retirement. What factors drive some people to retire sooner or later in life? Is there a specific age-range that’s best to retire? Planning for retirement is unique for each individual’s situation and goals. Optimal timing for retirement depends on the person’s needs, aspirations, and financial position. It’s important to maintain flexible and open to new possibilities when planning for retirement. 

THINKING OF RETIREMENT? CONSIDER THIS:

1. How many years have you been in the workforce? Social Security collects a portion of your employment income, accumulating funds for when ready to retire. Social Security provides detailed benefit information based on age, work history, and income. Applying for benefits is also possible on the Social Security website. According to AARP, the longer you wait to collect Social Security after age of 62 the greater the return. AARP comments further, “For each year you delay, your Social Security benefits will increase between 7 percent and 8 percent up to age 70, depending on your year of birth.”

2. Determine monthly income and monthly expenses. Jot down all sources of income and expenses for each month. This provides detailed information on financial obligations needed when considering retirement options.

3. Which sources of income will commence upon retiring and which will cease? List new sources of income such as Social Security, 401K’s or other retirement plans, savings, investments, and others. Also review income sources that will cease or decreases, and include updated financial figures to your retirement planning list.

4. It’s never too late to strategize for retirement. Regardless of age or work experience there are many options available. Seek assistance from a financial expert who can provide retirement options based on your goals and financial needs.

5. Working is still an option after retirement. Seeking employment after retiring is a choice for individuals who require extra income or enjoy working. There is a limit to the number of work hours allowed when receiving Social Security benefits. Consult with Social Security to make sure you’re keeping within their guidelines.

*All suggestions should be discussed with a professional who specializes in retirementment prior to implenting any ideas discussed in this article. This article is only intended for informational purposes.

10 TIPS FOR CONFLICT-RESOLUTION WHEN DEALING WITH DIFFICULT COWORKERS

Tip #1 Pinpoint problematic behaviors:

Take note of demands, insults, or other rude comments done by a colleague or team members at work. This information may come in handy if you need to schedule a meeting with a supervisor. Some challenging behaviors include arrogance, moodiness, jealousy, extreme competitiveness, rudeness, selfishness, demanding, derogatory statements, yelling, making fun of others, and mean comments.

Tip #2 Assess the situation:

Is it common for the individual to behave in this manner, or can they be having a bad day? It’s important not to take things personal if someone is having a hard day at work. On the other hand, some individuals like to complicate matters for everyone else. Ask yourself the following questions: Is this person simply having a difficult day? Are factors in his/her personal life triggering negative responses towards others at work?

Tip #3 Identify the problem:

Do you notice the same behaviors with other coworkers, or does it appear to be a personal issue? Perhaps this employee has a short fuse and gets upset easily. Other times employee frustrations result from the role of a particular individual(s) in the company. For example, if you were chosen for the manager position regardless of another employees seniority in the company. In this case, frustration is taken out on the individual for the position they hold, not for personal traits. If this employee were to be demoted, the problematic behaviors from the coworker would most likely dissipate. There are also employees, who don’t like individuals who hold leadership positions. Again, it’s not a personal issue, but rather a generalized attitude towards individuals who sustain managerial positions in the workforce.

Tip #4 Confront the problem:

Once you’ve taken time to identify the problem it’s important to confront the situation. Unresolved issues tend to worsen over time, partly related to assumptions and the buildup of negative emotions. If you find it safe to speak directly with the individual, do so with caution and in a professional manner. It’s best to involve a third party such as a manger or supervisor who can direct the situation and assist with problem-solving strategies.

Tip #5 Maintain a positive attitude:

Regardless of the final outcome keep a positive attitude. No one person is liked by all, meaning we will likely experience disapproval from another at some point in our lives. It’s advisable not to take another’s actions personal, but rather to focus on fulfilling your job role. Maintaining a professional relationship with coworkers is key for job fulfillment. Although it may be challenging to uphold a good attitude with difficult coworkers, it serves as a personal benefit and gratification to keep positive.

Tip #6 Stay professional:

Don’t lower your standards and professional conduct for anyone. Even if you are informed of others who are spreading rumors or gossiping about you, don’t fall into the trap. In time people will notice your character and those of problematic coworkers.

Tip #7 Uphold confidentiality:

Refrain from sharing your personal circumstance with other employees. Keep things private between the difficult employee and your supervisor. There is no need for others to get involved.

Tip #8 Show kindness:

Displaying kindness eventually offsets challenging behaviors. The challenging co-worker will realize that his/her tactics are simply not working. Even if the issue continues, your consideration will be evident to other coworkers who can serve as a support system and advocates if need arises.

Tip #9 Change your work environment:

If possible request a transfer to another department or office space. Some companies offer various work shifts, allowing for flexibility in work days and time. Other organizations have multiple locations permitting for employee transfers within the company.

Tip #10 Stay true to your character:

Regardless of another’s behavior, stand your ground and stay true to your character. Don’t hand your potential with the company to someone else. Interact as little as possible with problematic individuals. When assigned projects with such coworkers keep conversations to the point, stay polite, and be confident in your skills as a valuable employee to the company.

FINDING A CAREER THAT FITS YOUR PERSONALITY

A sales manager position opened at work, and the boss inquires if anyone knows of a potential candidate. Immediately you think of Sally, your bubbly friend who can make buddies with just about anyone – even pets. To your surprise, after a few weeks into the job Sally mentions how the sales position just doesn’t fit her personality. How could this be? Sally is friendly, social, and energetic – the perfect fit for the sales manager position we’ve been seeking to fill.

There are many intriguing aspects to an individual’s personality. Although it may appear irrelevant, personality types influence work fulfillment, productivity, longevity, and general satisfaction in career choices. Before presenting job recommendations for each personality type, let’s explore four common types of temperaments.

4-BASIC TYPES OF TEMPERAMENTS AS DEFINED BY WIKIPEDIA:

1. Sanguine- Playful, lively, carefree, talkative, and social characters. These individuals are warm-hearted and can make friends easily, yet many have difficulty following tasks, keeping appointments, and can be a bit forgetful.

2. Choleric- Egocentric, extroverted,strong-willed, impulsive, and aggressive personalities. These are task-oriented individuals who like to be in charge, and receive recognition for their accomplishments.

3. Melancholic- Serious, cautious, and introverted temperaments. Such individuals are focused and sympathetic, yet can be prone to depression and changes in mood.

4. Phlegmatic- Private, calm, patient, caring, and tolerant personalities. These individuals often have a rich inner life, enjoy quite settings, exhibit consistency, yet may appear somewhat clumsy.

Using Carl Jung’s Theory of Personalities, Truity Psychometrics developed a questionnaire and provided it freely to the public. Truity’s findings lead to their development of 16-personality types, outlining common characteristics within each personality. By understanding personalities types, we can narrow job options to bring about excellence and fulfillment with various temperaments. You may resonate with more than one of the categories listed below, which explains how some people experience a passion for multiple job roles.

16-PERSONALITY TYPES PROVIDED BY TRUITY & COMMON JOBS OF INTEREST:

1. The Inspector: Neat and orderly, abide to rules, traditional, predictable, hardworking, and reliable personality traits. Hobbies include chess, trivia, and solitary sports.

Career ideas: Management, accounting, administration, golfers, and law enforcement.

2. The Protector: Practical, compassionate, grounded, conventional, and traditional personality traits. These individuals are hard workers, appreciate traditions, value relationships, and maintain a devotion to family.

Career ideas: Chefs, education, healthcare professional, and religious positions.

3. The Counselor: Nurturers,strong personal integrity,quiet, caring, intuitive, and ethical personality traits.

Career ideas: Counselors, coaches, teachers, artists, writers, and musicians.

4. The Mastermind: Problem-solvers, introverted, analytical, perfectionist, and strategically driven personality traits.

Career ideas: Computer occupations, technical fields, and legal professions.

5. The Craftsman: Troubleshooter, independent, adaptable, value stability, attentive to details, and logical personality traits. These individuals are good with their hands and enjoy working with others to solve problems.

Career ideas: Technicians, law enforcement, criminal justice, agriculture, military, mechanics, comedians, and aviators.

6. The Composer: Cheerful, flexible, spontaneous, quiet, friendly, supportive, loyal, nonjudgmental, modest, and sensitive personality traits. Such individuals are sensitive to color, texture, and tone.

Career ideas: Artist, interior designers, wedding planners, musicians, healthcare workers, and business.

7. The Healer: Imaginative, pursue truth & meaning, optimistic, caring, ethical, compassionate, self-expressive, and sensitive personality traits.

Career ideas: Counselors, coaches, therapists, writers, and artists.

8. The Architect: Philosophical, analytical, explore concepts, innovative, independent, and nontraditional personality traits. These individuals may come off as unconventional, as may offend with their precise speech and communication style. Many enjoy activities like meditation, hiking, writing, and computers.

Career ideas: engineers, technicians, scientists, architects, writers, and computer experts.

9. The Dynamo: energetic, practical, active, silly, and playful personality traits. These individuals are very energetic, funny, and adventurous.

Career ideas: Sales representatives, marketing, brokers, business owners, aviators, and racecar drivers.

10. The Performer: Entertainers, spontaneous, centered, enthusiastic, and playful personality traits. These individuals enjoy the pleasures of food, nature, animal and people.

Career ideas: Chefs, teachers, actors, musicians, and childcare occupations.

11. The Champion: Innovative, creative, passionate, warm, energetic, unconventional, skillfulness with language, changeable, and self-expressive personality traits. The champion is often bored by repetition, explaining the wide range of friends and experiences.

Career Ideas: Writers, composers, musicians, counselors, educators, and artist.

12. The Visionary: Curious, open-minded, influential, lack patience, re-inventors, friendly, confident, creative, and charming personality traits.

Career Ideas: Travel guides, stewardess, writers, educators, artists, also careers in science and technology.

13. The Supervisor: Hardworking, traditional, orderly, logical, conventional, and practical personality traits. Such individuals value ground rules, and like to be in control of things.

Career Ideas: Bankers, managers, administrators, financial executives, business owners, and other leadership positions.

14. The Provider: Giving, sensitive, dedicated to helping others, loyal, strong moral character, and caring personality traits. Routine and organization are highly welcomed by these individuals.

Career Ideas: Charity organizer, positions in religious affiliations, teachers, nurses & other healthcare professions, and cooks.

15. The Teacher: Good communicators,charismatic, idealist, persuasive, focused, optimistic, forward thinking, storytellers, and compassionate personality traits.

Career Ideas: Educators, social workers, gourmet chefs, event planners, artists, and tour guides.

16. The Commander: Ambitious,strategic, problem solver, solution oriented, objective, blunt, decisive, and assertive personality traits. These individuals are focused on results having clear action plans.

Career Ideas: Managers, supervisors, administrators, business owners, and other leadership positions.

The key to finding an occupation that suits your personality is to first have a thorough understanding of your preferences and character traits. This requires introspection and time, but prevents the dread of entering a career path that doesn’t express your strengths and talents. People who report high work satisfaction are often those who “love what they do”. Take some time today to see which personality type best describes you. It may be that you connect with multiple types of characters, which is an advantage for more options in job-fulfilling roles.