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  • Rogue Ads

    Last season on Heroes, my favorite show, one of the characters received a Nissan Rogue for her birthday. She really liked her Nissan Rogue.

    Then her Nissan Rogue was stolen. And her father was very upset that she didn't take better care of her Nissan Rogue. This subplot, which had absolutely nothing to do with the rest of the show, was about as exciting as watching paint dry. On a Nissan Rogue.

    In fact, the theft of the Nissan Rogue wasn't really a subplot at all - it was an ad in disguise. Nissan paid to get its Nissan Rogue in the show. Nissan might call this product placement or "embedded advertising." I call it a huge bore. If I wanted to find out more about the Nissan Rogue, I could go to a website about the Nissan Rogue.

    Now the government is looking into regulating these "stealth ads," and it's about time. At a time when television viewers are both more able and more likely to fast-forward through traditional commercials, product placement isn't a bad business model. But viewers need to know the difference between shows that are trying to entertain them with stories about the Nissan Rogue and shows that are trying to sell them on the benefits of the Nissan Rogue.

    One has to wonder whether anyone old enough to drive a Nissan Rogue is naïve enough to believe that a character on Heroes drives a Nissan Rogue because it makes sense for her to drive a Nissan Rogue rather than because the show's creators were paid to include a mention of the Nissan Rogue. But networks need to come clean, anyway.

    Right now, the FCC requires that product placements be identified as such during a show, but this is usually done very quickly during the credits. Networks need to identify ads while they're appearing, by running a crawl across the bottom of the screen that marks them as such. If viewers can't fast-forward through ads for products like the Nissan Rogue, as they do now, they should at least be able to ignore them, as they've been doing for years.

    Naturally, networks are complaining that running such announcements in the crawl will interfere with the flow of programming. An American Advertising Federation executive told USA Today that it would be "terribly disruptive." But would it be any more annoying than my constant mentions of the Nissan Rogue?

    Robert Levine is the MOLI View contributing editor for Business and Technology.

  • Savings Account: Warning

    Continuing from last time, here are the signs you might be shown the door, and what to do if and when the axe falls.

    First of all, trust your gut. That's really just another way to say that you need to pay attention to your perceptions, intuition, and instincts. You probably have a good sense of how things appear when they're "normal," so you usually can tell when things are a little weird, strained, or goofy. Here's a pretty good list of warning signs.

    A friend told me once that he kept seeing his boss and other managers in meetings with HR people and just KNEW that he was gonna get blown out. He went so far as to check with a HR person he knew, calling her at home over the weekend. She told him that there was nothing going on that she knew of, so he chilled a bit, but the hairs on the back of his neck were still at attention, and he SWORE that something was up. Sure enough, he got cut a few days later.

    Why was he so sure? For one thing, he knew that the company was in transition and he'd had a blowup with the big boss a few months earlier. The issue had been "settled" and everyone made nice, but he was wise enough to know that some wounds don't heal … and that some heels wound! He figured that it was just a matter of time and he was right. Here are some things to do to prepare … just in case.

    If the axe DOES fall, make sure that you get the best deal possible from your soon-to-be former employer.

    Remember, when you're ushered into that little room and handed a piece of paper with your severance terms, DON'T SIGN IT. The company, naturally, wants you to, but you will usually have a few days to look it over, so take your time. Bring it home with you and read it carefully, preferably with your spouse or partner.

    You may be in a state of shock, numb, or just very angry or sad, so give yourself some time to review it. A while back, I was laid off, but managed to get the company to extend my health benefits a bit, just by asking. You can even negotiate for more money, a later departure date, use of the office or anything else, just by asking. You won't necessarily get everything you ask for, but if you don't ask, you'll never know.

    In the event of a layoff or cutback - when several individuals or A LOT of them are let go - your leverage and ability to negotiate will be limited. The company probably has a set of guidelines they're following and exceptions are rare, but it still doesn't hurt to ask.

    Above all, stay cool. Don't yell, scream, make threats, or get violent. Crying is OK; for women, too.

    Seriously, though, in today's economy, layoffs are par for the course. But as a wise man once said, "Dig your well before you're thirsty." In other words, always be prepared.

    Next week, we'll talk a little bit about networking and dealing with the first few days of a layoff. The following week, we'll resume our job interview/employment discussion. If you're confused, please don't be. I'll lay out both series - with links to each part - next time!

    Richard Pachter is the MOLI View's Exception To The Rule.

  • Savings Account: Grim?

    When the Grim Reaper comes to your office, no one is safe, so what can you do about it? Not much, though if you get a hint that a layoff may be coming, there are a few things that you can do to prepare.

    We interrupt our series on job interviews this week and next for another important issue: Getting fired. Or laid off. Cut back. Whatever you call it, it's no less painful, yet in companies across the country, it's happening with greater frequency as a result of the increasingly crappy economy.

    No one is immune, but what can you do about it? Not much, though if you get a hint that it could be in the cards for you … or think there's a chance, there are a few things that you can do to prepare.

    First of all, watch your expenses. If you were planning to buy a house, a new car or make some other big-ticket purchase, see if you can put it off. Unless you know that you can afford it without the steady income of your job, it could be a big problem, so be careful!

    Prepare your spouse or partner by making them aware of the situation. It's probably best not to blurt anything out and declare, "I'M GONNA LOSE MY JOB!!" which may not be true, but lay the groundwork, just in case. Ditto with other family members. Use some discretion; try not to make anyone cry or unnecessarily upset, but communication is important throughout the process.

    Go to the doctor. The dentist. The shrink. Use your insurance while you still have it. Of course, companies are supposed to offer you the opportunity to continue coverage, but you'll be paying the whole thing out of your pocket - plus. That means if you've been paying 30 percent and the company's been paying 70 percent, you'll be forking out 100 percent plus a (minimum) 2 percent administration fee. That can get very expensive, so deal with any medical situations sooner rather than later. Ditto with prescriptions. Get 'em filled NOW.

    Vacations and sick days? Up to you. Many companies will pay you for those days as part of your severance, but some will screw you, so watch out!

    Make sure you have copies of your work. This can be dicey. You don't want to violate any laws or promises you made (especially in writing) regarding company secrets, but you may need samples of your work to get your next job - or to DO your next job, so get copies of your work within the boundaries of your agreement, but keep a low profile. Don't start printing out reams of paper or e-mailing a zillion attachments to yourself. A large-capacity flash drive - or several - should suffice.

    Should you start looking for another job? Well, it's always smart to keep your eyes open, even if you think you're secure. Applying for a new gig while you already have one is not a bad thing, but be careful; it's tough to tell who's who online and you may be sending an e-mail application to your current employer without knowing it!

    Most of all, whatever you're doing, be cool. Stay calm. Do your job and don't attract any negative attention. Often, decisions are made thousands of miles away and the people you work with might have no clue, but keep your eyes open for signs that you MAY be heading for the exit - either on your own or with an escort.

    Next week: the signs, and what to do when you're blown out.

    Richard Pachter is the MOLI View's Beacon of Hope.

  • Savings Account: The Zone

    That signpost up ahead ... it's The Twilight Zone ... the period when you don't know what the hell is going on with your job interview. But let's shed a little light on the subject.

    Before the interview is over, you need to know what's next. Or at least try to find out. Unfortunately, though you might expect the interviewer to be the one driving the train, it ain't always so. Often, the interviewer is a screener, a buffer or a non-player, and they just report to the real decision-maker. From there, it's up to them. Experience has taught me that from this point, you've got about less than a 50-50 chance of ever hearing from them again. Sounds crazy, but there are a zillion reasons for this.

    I once interviewed for a gig and thought it was a done deal. I followed up by phone and e-mail and then started seeing postings for a job above the one I'd pursued and realized that they'd decided to create a new position. I wasn't interested (or qualified) so I dropped it, but I assume that during the internal consultation process, the principals realized that they needed to deal with that need first. I wasn't upset, but a little surprised that they didn't figure this out earlier. I'm sure mine wasn't the only applicant's time they'd wasted.

    But before you walk out the door, ask what's next: Who is the decision-maker? When will they make their decision? Will they be contacting you? If you don't hear from them by the end of the week (or whenever), is it OK if you get back to them? Who should you call? What number (or e-mail address)?

    It's also a good idea to ask - sometime during the interview - if there are other candidates for the position and if they're internal (within the company) or external. You may not get an answer, but surprisingly, you often will. If there are internal candidates, you may also get an indication whether or not they're seriously being considered for the job. Some companies have to post jobs externally, even if they have someone already lined up, but it never hurts to ask. Just be cool about it.

    Following up after the interview is important, though doing so doesn't ensure that they'll follow up with you. Regardless, it's good manners, at the very least, to send a note (by e-mail) thanking the interviewer for their time and consideration. You can also reinforce your value as a candidate by expressing your interest and enthusiasm for the company and the gig. But don't overdo it. And don't send flowers, candy or anything else to the interview - unless you just fell in love and don't care if you get the job or not!

    The next step is the toughest: waiting. You shouldn't bug anyone, so just chill. Or actually, DON'T chill; keep looking for a job. Even if you think you aced the interview and nailed the gig, there's no guarantee that you actually did. Pretend you didn't, in fact, and keep looking.

    Next: how and where to keep looking, and ways to follow up without being a pain in the ass.

    Richard Pachter is the MOLI View's Pillar of Sanity.

  • So Much for Suburbs

    In the past few months, I've had another reason to feel better about not living in the suburbs. My usual reason is that I grew up in the burbs - Stamford, Conn., to be exact - and I'm still traumatized by its 'broad lawns and narrow minds.' And now, although New York City can seem like the most expensive place on earth, the suburbs suddenly don't seem like such a bargain.

    Sure, I pay $3000 a month for a one-bedroom apartment. But my heating bill is zero, my electricity bill is usually about $50 and my transportation costs rarely top $30 a week, including a taxi or two. (I do own a car, but it's more of a hobby than a mode of transportation.)  And although my rent and living expenses will go up, as everyone's do, they're not increasing nearly as quickly as those of people who live in the suburbs, who have big houses to heat and big cars to drive.

    Fact is, amid its dirt and grime, New York City is relatively green, since most people use public transportation, take taxis for relatively short distances and live in large buildings that don't cost much to heat. Newer fancier exurbs, with their McMansions and SUVs, may be full of gardens and green spaces, but they're environmental disasters. So much energy is required to heat some of those houses - especially those with grand two-story entryways that allow the heat to rise - and they're so far away from anything that the people who live in them have to spend a good deal of money on gas. With houses spread so far apart, bicycles and public transportation simply aren't practical.

    In an age of $4-per-gallon gasoline, that lifestyle suddenly looks more expensive. (And if the price of oil keeps rising, who's to say we won't be looking at $5 per gallon by the end of the year?) This couldn't come at a worse time, especially for those who live in the outlying suburbs. In general, those communities have already grown less desirable as cities get safer and longer work hours make short commutes more important. That's why Real Estate prices are mostly falling faster in the exurbs than in cities. (This is obviously a generalization, but I think it's true in enough places to qualify as a trend.)

    What happens now? Many families that pushed themselves to buy in the exurbs are already stressed by falling home prices, and in some cases by adjustable rate mortgages. Now they also have rising fuel prices to contend with - especially if they live in colder climates. What happens when they try to sell their houses and potential buyers realize how much their commutes will cost?

    Robert Levine is the MOLI View contributing editor for Business and Technology.

  • Savings Account: Ask Away

    Last time, we focused a bit on salary. Of course, money is an important part of the interview, but don't let it dominate the discussion.

    It's a good thing to also talk about the job! First of all, you'll want to know what you're expected to do, and second, it's an excellent way to get the conversation away from money and show the interviewer that it's not the only thing you're about - even if it is!

    Asking questions also demonstrates that you're interested in the job, the company, and the industry. Even though you haven't been hired (yet), you're engaged. That's good. Just be cool; don't start chattering like a parrot or make it appear that you're overly inquisitive. Things could backfire for you if they think you're some kind of spy or reporter!

    Every job varies, but a good way to start is to ask who you'd be reporting to and working with. You don't necessarily need names, just titles or positions. This is a sneaky way to find out a bunch of things: for example, if there are other people doing the same job that you're interviewing for, they're probably pretty busy … or else the other guys are leaving. Ask! "Am I replacing anyone?" It's good to know. You might be stepping into a potential political minefield. Try discovering the circumstances of any departures. Did they jump or were they pushed?

    How's business? Is the company in good shape? Have there been any layoffs lately? (It's not unheard of to fill empty positions while eliminating others.) Who's the competition and how are they doing?

    What kind of computer will you be using, Mac or PC? If it makes a difference to you, it would be good to know. It might even be a point of negotiation if they offer you the gig.

    How about the hours? What time does work start and end? An hour for lunch or a half?

    What about insurance? Don't assume that there are "full" benefits. I know someone who learned - after he accepted a job and began working - that his health insurance covered him, but not his wife!

    Before the interview, think about every question you'd like answered and jot 'em down. Some of them may not be very important, but others are, so prioritize a bit, and pick your shots. Don't dominate the conversation, either. Try to make it appear as natural as possible, but remember: you're being observed, so make sure that the perception you create is a good one.

    We'll have more on interviews next time, as well as what to do when they're over, but let's end with a laugh; here are some amusing items people put on their resumes.

    Richard Pachter
    is the
    MOLI View's Martian Manhunter.

  • Gas Tax Holiday Woes

    Just how bad an idea is the gas tax holiday being proposed most prominently by John McCain and Hillary Clinton? Well, it raised the ire of NY Times columnist Thomas Friedman, but that's certainly no surprise. No, Dick Cheney, the reclusive Vice-President, has actually said that the idea of a gas tax holiday is "a false notion, in the sense that you're not going to have much of an impact, given the size of the gasoline tax on the total cost of the gallon of gas." If Dick Cheney doesn't like the idea of lowering a tax, it must be a truly bad idea.

  • Savings Account: Nervous

    Job interviews can be tense affairs. No one wants to appear desperate or needy, but there are times when we feel that way. Employers want to get a sense of who you are and how you think. If you're nervous or feel like a dork, you're not at your best. You know it - and it shows. So what can you do about it?

    We've already gotten into things like preparation and doing a bit of upfront research about the prospective employer and the position. But it's well worth repeating, because if you have your stuff together and can relax a bit, you'll do MUCH better. It could even wind up being a pleasurable experience.

    If you're qualified for the job, understand what's expected of you, and feel prepared, you're good to go.

    But the one thing that most people worry about is money. "What are they going to offer?" "What should I say if they ask me what I wanna make?"

    A book I recommended previously, Negotiating Your Salary: How To Make $1,000 a Minute by Jack Chapman, says to never be the first one to mention a number. If asked, you can always try to change the subject or say something like, "Well, I have no upper limit," and then just shut up. Chapman's point is that the first person who says a number loses, and that if the applicant comes in too high or too low, they risk being eliminated.

    Think about it: If they've budgeted $50K for the position and you say you want 30, they may wonder why they're bothering with you. If you ask for 100K, you're gonna blow them away and they're going to be wrapping things up quickly and usher you out the door.

    So what do you do? Chapman and most others agree that you need to have a number in your head - or maybe several. More about that later, but what if they ask you to provide a salary history or "income requirements?" Ignore 'em. That's right; just pretend you never heard the question. In fact, to you, it's irrelevant. You want every possible dime (or the equivalent in benefits or perks), so why be bound by the past?

    Some job listings may even say that applications won't be considered without salary histories. I say, screw 'em, which means you can either ignore the request or address it in your cover letter by saying that you're not sure if the information is relevant or applicable to the current position and that you'd expect to be fairly compensated. Period. Or, if you dare, you can respond by asking what the position is budgeted for, which sounds ballsy, but I did it and got a direct answer from a slightly bemused interviewer … and I also got the job!

    When you walk into the interview, you should have some idea of what you're looking for. And if you can't avoid answering the question, then provide a range: "from the high forties to the mid-fifties" or whatever. If the interviewer gives YOU a range, ignore the low number. Pretend you never heard it. The high number is what they're offering you, since you're so well qualified. Right?

    Next: more.

    Richard Pachter
    is the
    MOLI View's Relativistic Bomb.