A job search is serious business. One that need not be more complicated by confusing or unclear messages in a help wanted ad. Wouldn’t it be so much easier if every company ran ads that stated plainly what they’re looking for in a new employee? Could it hurt to reveal the name of the company running an ad for what appears to be the career of your dreams? Why do all the job postings I hunt down read like advertising copy?
The truth is, whether it’s a classified ad in the newspaper or a glamorous posting on a job search engine, the goal of every company is to attract the most qualified candidates for their open position. So in many respects, the best and brightest of those candidates are the target audience of those carefully worded presentations.
In a perfect world, a translation guide wouldn’t be a necessary tool to navigate a successful job search. Unfortunately, brutal honesty doesn’t exist in advertising and that requires us to read between the lines. Veteran job hunters will recognize most of these terms. But there could still be a few surprises, especially for those just beginning a career. Allowing for exceptions to every rule, here are some candid interpretations from an industry insider:
NO PHONE CALLS PLEASE
What it could really mean: This is a classic with possible multiple meanings, however, it usually means the company can’t or chooses not to be inundated with phone calls. It may also indicate a small office without enough staff to cover those anticipated calls. It might also be sign of impending changes at the company; that the person likely to answer those calls is the one being unknowingly replaced.
APPLICANTS OR PRINCIPALS ONLY
What it could really mean: It means this company is only interested in dealing directly with a job candidate. An employment agency or headhunter will often comb classified ads and make contact with a hiring company to offer their placement services. These companies prefer to do it themselves and avoid finder’s fees or commissions.
REPLY TO P.O. BOX 4321
What it really means: Here’s another example of a term that could have multiple meanings. The hiring company may not want its employees or competitors to know they are hiring. A reply to a post office box is considered a blind ad or one where the company doesn’t identify itself. Their secretiveness could be part of a plan to replace staff members or to test the job market. They may be looking for the availability of a particular skill set and there’s no job at all. Sometimes a company may only want to see what kind of response they’ll draw- just in case the need for certain skills should arise in the future.
FLEXIBLE SCHEDULE REQUIRED
What it really means: It could mean a schedule that changes regularly or that overtime is often required. There are still organizations that operate best with a swing shift. In some company’s it a nice way to say you’re expected to be available whenever you’re needed.
STATE YOUR SALARY REQUIREMENTS
What it really means: Once you reveal this information, a company can then determine whether they even want to contact you based on your response. It also says they want to know how much you make so they’ll know how much they can offer you.
ASK FOR MR. SWIFTY
What it really means: This is an old screening technique. No one really calls himself “Mr. Swifty”. When calls come in asking to speak to this man with the silly name, he can immediately connect it to his job advertisement. He can then accept or refuse the call. It also allows him to track the number of calls his ad generated. It may be worth noting that this technique is not generally used by the more highly reputable firms. They usually employ savvy gatekeepers for that task.
TEAM PLAYERS ONLY
What it really means: This means the last person to hold the job did not play well with others or it could be the sign of an office staff that may be a challenge to get along with and the person who vacated the position didn’t need an attitude adjustment after all. The thing to note here is that if a company makes a point of including an obvious statement like this in their ad, there could be a problem.
ABILITY TO MULTI-TASKER A MUST
What it really means: It means you could be juggling a variety of duties or covering more than one position. This company is probably looking for a candidate flexible enough to take on responsibilities not necessarily written into their job description.
NEEDED IMMEDIATELY
What it really means: It means someone quit, was fired or left unexpectedly. An established company is rarely surprised with last minute hiring needs. On the positive side, however, if they’ve acquired a huge account overnight, additional sudden hiring could be a sign of positive growth.
If you’ve recently filed bankruptcy, you may be concerned about what interest rates you’ll receive on future loans and credit cards. This is a common concern. Though you may feel that the credit card offer you received in the mail has a ridiculously high interest rate, you’re not sure whether or not it’s the best you can get in your current situation. This article will offer some information on how bankruptcy affects interest rates on loans and credit cards:
Interest Rates on Credit Cards
In a perfect world, credit card interest rates would be comparable to those of mortgages. Unfortunately, credit cards are unsecured loans, and this represents a significant risk to the lender. For this reason, credit card interest rates will always be high, even for people will immaculate credit. After bankruptcy, you can expect the highest interest rates charged, which is generally between 25 and 29.9%. However, once you’ve established a relationship with that company and proven that you can pay your bill on time every month, they will most likely lower your interest rate. Compare credit cards from multiple companies in order to find the best rates and terms and choose a reputable lender. Make sure that they report to all three major credit reporting bureaus monthly so that you can start rebuilding your credit.
Interest Rates on Auto and Mortgage Loans
For a couple of years after you file bankruptcy, you’ll be stuck with sub-prime mortgage and auto loan interest rates. This can require that you pay a much larger interest rate than someone else with credit that allows them to get approved for a prime loan. However, if you can wait a couple of years, you will be more likely to get approved for a prime loan. This can save you thousands of dollars over the life of the loan. In order to ensure better rates after a couple of years, start with small credit accounts and pay them on time every month. This will allow you to build credit and present yourself as a responsible borrower. This is a lenders biggest concern after a person has filed bankruptcy — that they’ll become unable to pay their debts again.
If you can prove that you can pay your debts, you will become much less of a risk. This results in interest rates that are much lower than they would be if you applied immediately after your bankruptcy was finalized. Here is a list of recommended Adverse Credit Home Mortgage Lenders online. It’s important to use a reputable lender online to make sure your personal information is secure.