Wednesday, 15 August 2012

10 Questions You Shouldn't Ask on a Job Interview

If you're planning to go on job interviews, you've probably been brushing up on your interview skills. Most people prepare by practicing their answers to likely questions, but the outcome may depend on the questions they themselves ask the job interviewer.

Questions about the company or the job responsibilities are fine ?but experts say there are some questions you shouldn't ask during your initial job interview. Here are 10 questions not to ask.

"Is there public transportation nearby?"

While asking about public transportation to and from the office might seem innocuous, career management and executive coach Bettina Seidman said it can turn off an employer. "Find it yourself," Seidman said. "If you have to ask about trains and buses nearby, how will you work on complicated projects?"

"Can I work from home?"

Working from home may be possible for some jobs at some point, but Bruce Hurwitz, president and CEO of Hurwitz Strategic Staffing, said it will happen only after trust has been established.

"Raising it during the interview process raises concerns that maybe the candidate has some home-related issues that they are hiding," Hurwitz said. "Of course, it could simply be because of the commute, but the time to ask the question is after the employer knows they can trust your work ethic."

[24 Things Not to Put on Your Resume]

"Is there a probationary period?"

Jeff Kear, owner of Planning Pod, said asking about a potential probation period for new employees can raise all sorts of red flags.

"It sounds like you've been fired in the past or somehow expect to perform poorly at some point," Kear said. "Even if you have been fired or let go — and many of us have — don't tip your hand by asking how any poor performance on your part would be handled."

Instead, Kear suggests phrasing the question in a way that touches on the performance-evaluation process.

"What does the company do?"

Asking to hear about the company and what it does is a huge no-no, according to Josh Tolan, CEO ofSpark Hire, because the candidate should have come prepared, having thoroughly researched the business.

"You should be able to ask questions about specific company programs or how they plan to address industry trends," Tolan said. "Don’t ask a question which makes it obvious you’ve done zero research on the place you'd like to work."

"Is there on-site child care?"

Roxanne Hewertson, principal of the Highland Consulting Group, said asking if a company has on-site child care advertises the candidate's family status, which can come back to bite the interviewee.

"Since they can't legally ask about your family, you could leave them with the impression that your children's child care is not just a consideration but a problem," Hewertson said. "Once you have the job offer, you can ?and should ?feel free to ask about child care options, but not before."

"Will you check my Facebook page?"

Illinois and Maryland prohibit employers from asking for Facebook passwords, but not all states offer such protection. Rachel Dotson, content manager at ZipRecruiter, said you do not want to bring it up yourself.

"Merely asking the question plants the seed in the hiring manager's mind," Dotson said. "Soon enough, she may find herself wondering what you have to hide."

It's very similar to asking if the employer requiresdrug tests, according to Dotson. "The fact that you're even asking says you're guilty."

[10 Personality Types Most Likely to Get Hired]

"Do you pay for overtime?"

Employers want people who are committed to the company and willing to do whatever it takes to get the job done without expecting to be paid extra, so asking about overtime isn't a good question during a job interview, according to Sanjay Sathe, co-founder and CEO of RiseSmart.

"By asking if you get paid extra for working more, you're showing your potential employer that you plan on doing the bare minimum," Sathe said. "This question shows a lack of drive, which is a huge red flag for employers."

"How often do you give raises?"

Attorney Edmond El Dabe said asking about eligibility for a raise is inappropriate because it puts the cart before horse.

"This question indicates that the applicant is unhappy with the pay, which could mean that once they are hired, they could turn around and leave," El Dabe said. "An employer wants to feel that the employee wants the job regardless of whether or not they will get a raise."

"How often do employees get paid?"

Asking how often employees are paid can imply that a job candidate is having financial problems, according to Susie Hall, president of the creative staffing firm Vitamin T.

"Even if it's true, it is not the best information to share at work," Hall said. "Plus, you'll appear to care more about what's in it for you than about what you can bring to the company to make them successful."

"Do you offer flex time?"

Caitlin Hofherr, owner of lifestyle management agency Alter Ego Concierge, said candidates questioning work/life balance is a common mistake she sees in interviews.

"You're being hired to make someone else's life easier, not the other way around," Hofherr said. "No one wants to be asked about hours or schedules; it alludes to clock watching."

Hofherr said it is great to want a successful work/life balance but noted it must be earned over time.

Wednesday, 8 August 2012

Applying for a UK visa in India

The UK Border Agency processes all visa applications to the United Kingdom. You can find out whether you need a visa and how to apply through the UK Border Agency website.

How to apply?

Find out where and how to apply for a UK visa in India

Where can I get information?

The UK Border Agency's Visa Services works in partnership with a commercial organisation called VFS Global Ltd. You can find out how to apply through the VFS website or UK Border Agency website.


You can make general enquiries about the visa application process by telephoning the VFS visa information helpline on: (022) 67866000 between 0800-1700hrs. Calls are charged at local or STD rates depending on location (indicative call rates should be no more than Rs 10/- for a maximum of 5 minutes). You may also email enquiries to VFS. Please refer to the VFS websitefor details.

Please note that it is not possible to attend the Visa Departments at the British High Commission and Deputy High Commissions, except by appointment. These are usually given for the purpose of visa interviews only.

Do I have to pay?


Website and email information is free of charge. Charges for using the telephone service are set out above.

Where can I get advice?


VFS and its staff cannot give you advice on how to complete your application, or what type of visa you should apply for. If you need help with your application or advice about the UK's Immigration Rules and requirements, you should seek advice from a qualified immigration adviser. In the UK these are immigration advisers regulated by the Office of the Immigration Services Commissioner (OISC) or legally qualified professionals regulated by designated professional bodies. Their websites are:

When should I apply?

Please apply for your visa well in advance of your planned travel. As a general guide, you should allow at least 2 weeks for a non-settlement visa application to be processed if you have travelled to the UK within the last 5 years. For all other non-settlement visa applications, we recommend that you apply at least one month prior to travel. Settlement visa applications may take up to 12 weeks to process.

We have service standards for processing UK visa applications in India. Our standards state that we will process:

  • 90 per cent of non-settlement applications within 3 weeks (15 working days) of the application date; and
  • 95 per cent of settlement applications within 12 weeks of the application date.
You can start the visa application process up to 3 months in advance of your planned travel date. You should bear in mind that each application is subject to an individual assessment and processing times may vary. For more information about processing times, please log onto UK Border Agency website.

How do I submit my application?

You should submit your application and your biometric data at one of the 12 Visa Application Centres (VACs) in India managed by VFS. The VACs are located in Delhi, Jalandhar, Chandigarh, Mumbai North, Mumbai South, Pune, Ahmedabad, Chennai, Hyderabad, Bangalore, Cochin and Kolkata.

Who decides whether I will get a visa?

Your visa application will be decided by visa officers who work for the UK Border Agency. Immigration agents cannot influence the decision to issue a visa. VFS and its staff do not play any part in the decision making process. They cannot influence nor do they know the outcome of your application.

Customer Service - feedback and complaints

The UK Border Agency's Visa Services aim to offer a fair and professional service to all our customers. We welcome feedback which helps us to focus on where we need to improve.

If you have any comments, or are concerned about the standard of service you have received, please let us know. We investigate all complaints fully and will send you a reply within 20 working days.

If you wish to complain about the service you have received from the UK's Visa Services in India, please address your complaint to the Operations Manager and send your e-mail to the following depending on your area of application:

Alternatively, you may submit your complaint in writing to one of the following addresses:

  • UK Border Agency Chennai, British Deputy High Commission, 20 Anderson Road, Chennai 600 006
  • UK Border Agency New Delhi, British High Commission, Shantipath, Chanakyapuri, New Delhi 110 021
  • UK Border Agency Mumbai, British Deputy High Commission, Naman Chambers, C32 G Block, Bandra Kurla Complex, Bandra East Mumbai 51

Providing information on immigration abuse

If you have information that someone has abused the UK’s immigration system, or intends to do so, or helped someone else to do this, please contact the UK Border Agency at the email addresses below. Please provide as much information as possible, including details of the individual concerned and their address. We will treat the information you provide in confidence. We may need to contact you if we require further details. Whilst we will not respond routinely, we guarantee that the information that you provide will be reviewed in all cases.

Chennai: raumaa@fco.gov.uk

New Delhi: raudel@fco.gov.uk

Mumbai: ralon.mumbai@fco.gsi.gov.uk

Tuesday, 7 August 2012

Only 21% MBAs are employable in India: Study

New Delhi: The employability of management graduates in India has declined in the past five years, as only 21 percent of MBAs surveyed are 'employable', a study has said.

According to the MBAUniverse.Com--MeriTrac employability study 2012, which covered 2,264 MBAs from 29 cities and 100 B-Schools, beyond the Top 25, only 21 percent are employable.

The previous study of 2007 by MeriTrac had placed employability index at 25 percent.

However, the number of MBA seats in India has grown almost four fold -- from 94,704 in 2006-07 to 3,52,571 in 2011-12 ?- resulting in a five-year compounded annual growth rate of 30 percent, but their employability rates have fallen, the study said.

The students were tested for verbal ability, quantitative ability and reasoning by using internationally standardised tests on behalf of recruiting companies.

The index of employability, at 21 percent mark leaves scope for improvement considering that organisations hire from this talent pool for strategic roles and this is the managerial pool that companies bank on, the study pointed out.

"This report clearly brings out the employability gaps across various competencies and highlights the need for scientific examinations and tests to align the candidate skills to employability metrics," MeritTrac Services India CEO and Director S Murlidhar said.

Overall average percentage score obtained by MBAs in verbal ability, quantitative ability and reasoning was 52.58 percent, 41.17 percent and 37.51 percent respectively.

While performance on verbal ability seems to be satisfactory, reasoning is an area where there is scope for improvement. Considering that the elements of the reasoning test are crucial to making sound management decisions, this is a result which warrants closer attention, the study noted.

"Questions are asked about the talent coming out of MBA colleges, and whether they create a workforce responsive to the needs of the economy like understanding of business and on-the-feet thinking. So, decision-making skills are being valued more than ever," MBAUniverse.Com Chairman Amit Agnihotri said.

Monday, 6 August 2012

7 Habits of Highly Frugal People

How to live a happier, more successful and more satisfying life. One of the prevailing themes is the fact that to change your life you need to change your attitude because no one else is responsible for what happens to you but you, so you can either complain about the things you don’t like in your life or you can set about changing them. Not surprisingly, this directly relates to the state of your finances.


If you are

tired of living paycheck to paycheck,

of having your phone regularly cut off or having to make excuses to skip dinners with your friends if the money has run out before the end of the month then you can use the seven habits of highly effective people to take control of your money situation and live a more frugal lifestyle, and a happier one.

Habit One: Be Proactive

The first habit of highly effective people is to take responsibility for their own lives; if they fail, they have no one to blame but themselves. Regardless of how you were raised or how you were treated at school you are able to choose your behavior now. Being proactive means understanding that you are in control of the direction your life takes and in control of your day to day interactions. Whereas a reactive person is often affected by their environment and will find external sources to blame for their behavior, for example if the weather is good they are in a good mood but if the weather is bad it affects their attitude and so the weather is to blame for their bad mood.

Here are 6 Action Steps to Take When You Feel Financially Vulnerable

However what most people forget is that between the stimulus and your response is your freedom to choose your response, and one of the most important things you choose are your words. The language you use is an effective indication of how you see yourself and if you use proactive language such as ‘I can’ or ‘I will’ you are starting with a more positive attitude than a reactive person who uses language like ‘I can’t’ or ‘I have to’ or ‘if only…’

How to be proactive for effective frugality:

  • Take the first step. You cannot take control of your finances until you make the commitment to do so because the more you ignore the situation the worse it will get. Instead take a long hard look at your finances and your budget, your debts, income and expenses and understand where your money is going and where you can budget better. (To help you out, here are 25 ways to pay off your debt more easily.)
  • Tell people. Using proactive language to vocalize your goal of being more frugal and more financially responsible not only helps you crystallize your goal but can also help you avoid the peer pressure which can make budgeting and frugality hard. If you explain to your friends and family how you are trying to live a more frugal lifestyle then they are less likely to pressure you into one more round of drinks at the pub or dinner out, again.
  • Listen. Listen to yourself and listen to the reasons you give each time you make a purchase outside of your budget or decide not to put those spare funds into your savings account. Taking the time to stop and listen to the reasons you give yourself for spending more than you earn will give you the opportunity to hear just how shallow many of those reasons are, and can stop you from making purchases which can impede your goal of effective frugality.

Habit Two: Begin with the End in Mind

Those who are effective in achieving their goals are able to envisage their end result despite the obstacles. Highly effective people adhere to this habit based on the principle that all things are created twice, there is the first mental creation and then the second physical creation, and the physical creation follows the mental creation in the same way as the building follows its blueprints.

If you don’t visualize what you want out of life then you are at risk of other people and external circumstances influencing your life because you are not influencing it yourself. Instead begin every day and every task with a clear vision of where you want to go and how you’re going to get there and make that vision a reality with your proactive skills from habit one.

How to visualize effective frugality:

  • Define your goal. There are many ways to live a frugal lifestyle and you need to decide on how frugal you want to be. Do you want to be debt free, do you want to build a savings account balance of a certain value or do you want to be able to live on one income in a two income household?
  • Decide how you’re going to get there. This will again draw on your budget, but you also need to be aware of the obstacles which are standing in your way. These may be literal obstacles such as credit card debts, or they may be obstacles you have identified in your behavior; for example are you spending $10 every day on junk food on your way home from work because you’re starving when you could be packing a two dollar muesli bar or a low GI lunch to keep you going until dinner. Or do you find that when you go shopping with your sister she always helps you justify a frivolous purchase when you could leave your credit card at home?

Make sure your goals are SMART!

Here’s what I mean by that.

Habit Three: Put First Things First

Knowing why you are doing something is an effective motivator in helping you take the mental creation and transform that into an actual physical creation of your goal. Therefore ask yourself which are the things you find most valuable and worthy to you. When you put these things first you will be organizing and managing your time aroundyour personal priorities to make them a reality.

However for many people it is hard to say no but this is exactly the skill you have to learn to be able to keep your goals as your first priority. While we have all of these time-saving devices and we are told we can have it all if we just achieve that elusive work-life balance, in reality having it all is really about prioritizing which it is most important to you to have, and then doing that properly.

How to put effective frugality first:

  • Recognize the effects of your finances. You may not dedicate as much time as you should to managing your finances and practicing frugal principles because you feel there is always something more important to be doing, whether it is work, taking the kids to soccer practice or getting ready for dinner with the girls. However, if your finances are not under control and you are regularly spending more than you earn, then this is having a negative impact on every other aspect of your life from your work to your family to your friends. Therefore you need to recognize that being frugal is your first priority.
  • Just say no. It is easy to spend more than your budgeted amount each month when you are worried about missing out on a dinner with friends, feel as though you have to cater a birthday party for your son and 50 of his closest friends or you can’t possibly wear the same suit you wore last year to a work conference. However if you recognize that you don’t have to take on everything and that it is all right to say no then you will find you are more in control of your spending and your budget.

Habit Four: Think Win-Win

Most of us are taught to base our self-worth on comparisons to others and competition against our peers. We think we can only succeed if someone else has failed and if you win, then that must mean I lost. We are also taught that there is only so much pie to go around and if you get a big piece then I’m going to be missing out. When you think like this you are always going to feel like you’re missing out on something and nothing is ever fair. As a result many of us retaliate and take the pie before someone else can take it from us.

Thinking in a win-win mindset allows you to see mutual benefits from all of your interactions and as a result, you will see that when you share the pie it tastes even better. If you are able to approach conflicts and problems with a win-win attitude by showing integrity and standing up for your true feelings and values, it allows you to express your ideas and feelings with courage while having consideration for the feelings and ideas of others. When you focus on an abundance mentality, you are able to see that there is enough for everyone and you can see that balancing your confidence with empathy can help you achieve your goals while helping others achieve theirs.

How to create frugal win-win situations:

  • Recognize that you don’t always know the full story. As you aim to implement frugal principles and stick to a budget, you may often find yourself thinking ‘it’s not fair’. It’s not fair that they get to go out to dinner. It’s not fair that they get a new car, and it’s not fair that they get to go on holiday and I don’t. However, take the time to realize that you are only seeing a small part of the finances of your friends and family who seem to ‘have it all’. And even though your best friend is taking that dream European holiday of yours or your brother is buying a sports car before you are, you will get there too if you manage your finances frugally and there will still be plenty of holiday destinations and plenty of fast cars when you can afford the expense.
  • Understand the difference between possessions and net worth. While your friends and family may seem to have a fuller lifestyle because their house is bigger or their car is newer, you need to consider that it could just be a facade to cover their mountains of debt. True wealth is not measured in possessions but in assetsand when the value of your assets is greater than the amount you owe in mortgages, car loans and credit card debts, then you have a strong net worth and are truly wealthy. And in aiming to live a more effectively frugal lifestyle you will be able to achieve true wealth rather than just a life full of stuff.

When building wealth, remember to look at the big picture too.

Habit Five: Communication

Communication is often the desire to be heard and understood and most people will listen with the intention to reply to what you’re saying rather than to understand what you have said. However, to effectively communicate you need to first understand and then be understood because if you communicate with the sole intention of being understood you can find that you ignore what others are saying and miss their meaning entirely.

How listening can help you be effectively frugal:

  • You are not the only person in your life. Chances are you are married, in a relationship, have children or all of the above. As a result, you are not the only person being affected by your decision to live a more frugal lifestyle. To be effective in your goal of frugality, you need to be able to listen to and understand the goals and behaviors of the other people in your life too. Consider how effective your frugality would be if you were taking packed lunches to work and avoiding the afternoon coffee run with your partner going on shopping sprees during their lunch break. Instead of living a more frugal lifestyle, you are really saving on one end and spending it on the other.
  • Understand the goals and needs of others. While it is important to explain your desire to live more frugal lifestyle, it is also important that you understand the goals and needs of your family so that you can find a way to be more frugal without them having to give up all of the things which are most important to them. You can’t know what those things are unless you listen.

Habit Six: Synergize

Interactions and teamwork are some of the most important ways you can learn new skills and more effective behaviors. To synergize is the habit of creative cooperation where you work as a team to find new solutions to existing problems. Synergy is not something which just happens but is a process where you need to bring all of your personal experiences and expertise to the table to enable more effective results than you would have been able to achieve individually – the whole is greater than the sum of its parts.

When you have genuine interactions with people you are able to gain new insights and see new approaches to your problems which you would not have otherwise thought of.

How to synergize for effective frugality:

  • Look for new ways. In a society which has become so good at consumerism you have probably already realized that you need to find new ways of doing just about everything to be frugal. It is easy to buy your lunch every day but it is more frugal to take a packed lunch. It is easy to drive to work but it is more frugal to catch the train. It is easy to buy a new cocktail dress but it is more frugal to make one.
  • Surround yourself with other frugal people. To be successful surround yourself with people who are where you want to be and whether you join online forums onfrugal living websites or strike up a friendship with the woman who runs the local shop you will be able to share ideas and learn from others to be successful.

Learn to embrace the positive influence of saving money here as well.

Habit Seven: Sharpen the Saw

You are the greatest asset you have on your journey to achieving the lifestyle you want and so you need to look after yourself physically, emotionally, mentally and spiritually. When you take time to renew yourself in all four areas of your life you are creating growth and change which allow you to continue with the previous six habits you have mastered, which still need to be maintained to achieve success.

How to frugally renew yourself:

  • Physically. By eating better you will feel better and if you start your own vegetable patch for example you will be able to save at the supermarket and will be eating better at the same time. Exercising keeps you fit and healthy and it doesn’t cost you anything to go for a walk or bike ride or even skip rope in the backyard. To rest your body you don’t need to go to a day spa you can simply slide into the tub at home and relax.
  • Emotionally. Interacting socially with others allows you to make meaningful connections and this can come back to a conversation with the woman at the op shop or even scheduling in coffee and a chat with your mum once a week.
  • Mentally. Exercising and expanding your mind through learning, reading, writing and teaching can be done frugally at your local library or even by volunteering at a school or retirement home to teach others a skill you may be taking for granted.
  • Spiritually. Spending time close to nature to expand your spiritual self through meditation, music, art or prayer can be done frugally by taking a quiet moment to center yourself and empty your mind before you go to bed or going for a bush walk and being grateful for the beauty of nature surrounding you.

Frugality does not mean having to give up all the luxuries and things which make you happy because if you go through developing habits 1 to 6 without spending the time to renew yourself this is how you burn out, and frugality is something you want to develop and maintain for the long-term and with these seven habits you can be a highly frugal person.