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Understanding the Contemporary Workplace

The modern workplace includes people of all ages and backgrounds. There are currently five generations represented in the U.S. workforce. This diversity allows people with different skills to learn from one another and benefit from the knowledge and experience of their coworkers.

As younger people continually enter the workforce, management shifts are inevitable. Through training and mentoring, many members of the younger generation have stepped into leadership roles. Currently, almost 40% of workers report to younger management. This trend is likely to continue, as the average employee age at many tech giants is just under 30.

Conversely, the number of employees age 65 and older has jumped 35% over the last five years. As the fastest growing demographic in the workforce, the baby boom generation has an opportunity to share their vast expertise while learning new skills and adopting emerging technologies. The digital age requires employees to embrace rapid change, but equally important is wisdom that can only come from experience.


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Also in this issue...
Pursuing a New Career Path
Transitioning Back to an In-Person Workplace
Are Credit Card Balance Transfers Risky?

Pursuing a New Career Path

Taking career risks can be intimidating, especially if you have a chance at your dream job. However, it's even more frightening when your biggest supporters are cautioning against making the change. Your fears of failing, echoed by those you love and respect, might keep you from following a new path altogether.

When faced with such a monumental decision, you should rely on your own intuition. If you feel called to a new career, maybe it's a call you need to answer. Ask yourself how you'll feel if you don't take a chance and end up missing out on the opportunity of a lifetime. Be honest about the pros and cons, and don't let others' opinions sway your decisions. Suppressing your dreams can be hard on your mental health as well as your career.

Remember that the naysayers might be squashing your dreams, not because of you, but because of their personal insecurities. Seek out others who trust your decisions and will support your career path. As you explore your career options, carefully weigh any negative or unhelpful opinions. If you do experience disapproval, try turning it into something constructive that can help you move forward. Flip the negativity into a positive outcome for you and your vision.

"Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven't found it yet, keep looking. Don't settle. As with all matters of the heart, you'll know when you find it." —Steve Jobs


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Transitioning Back to an In-Person Workplace

If you've been working from home due to the pandemic, your employer may be considering transitioning staff back to the office. Here are a few tips to help ease the move.

Slowly adjust your routine.
Think about how your routine will need to change when you go back to the office, and start making a gradual shift. If you've become a night owl, you may need to start going to bed earlier so you can wake up refreshed. Or perhaps you've gotten used to a mid-morning workout that will need to be transitioned to a new time.

Have comforts from home.
Consider what you love about working from home and bring some of that into the office. If you enjoy having easy access to your kitchen, stock your desk with snacks to keep you going throughout the day. If you like wearing comfortable clothes while you work, check with your manager about relaxing the current dress code.

Focus on the positives.
Rather than dwelling on all you'll be giving up by going back to the office, remind yourself of all the positives you will be gaining. If you've missed morning break-room chats with coworkers, lunch at your favorite cafe or the exhilaration of running a successful team meeting, going back to the office may be a welcome change.


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Are Credit Card Balance Transfers Risky?

If you have debt on a credit card with high interest, you may want to consider a balance transfer. Simply put, a balance transfer is when debt is moved from one card to another with a lower interest rate. Credit card companies often provide incentives to use their card by waiving transfer fees, typically 3%-5% of the amount transferred. Try to find a credit card that offers a 0% introductory APR and a $0 balance transfer fee to save you money.

You'll also want to keep an eye on your credit score. Transfers can be declined if you have a poor credit history or a low score. Once debt is successfully transferred, keep up with your monthly payments, as those don't go away. Be sure to read the fine print because these offers usually have expiration dates and other restrictions.


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