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The Top 10 Ways to Manage Your Career
Many people in the last decade have experienced either a layoff or termination in their lives or the lives of somebody they know. While many of these people affected have experienced outplacement-consulting services, some have not and they may be in for a rude awakening - corporations no longer “take care of you”. Managing your career in these times require you to have a game plan and an understanding of yourself and human behavior. That is why outplacement consulting and career coaches have become so popular and are being sought out by individuals, not just corporations. A career coach can help you manage more than just your career, they can help you communicate better and get along with others better.1. Know Thyself Most people don't know what they really want in their careers. They have a degree and they went out into the world. 20 years later, they don’t have a clue why life sucks. There are some very good assessment to determine personality types, preferences, skill, attitudes and interest. An honest assessment of what you like to do in the style you prefer and with whom you want to do it with, goes along way in determining what you should be doing in you career and in life for that matter.2. Establish a game plan What is most important to you

ehind for some extra tuition. I like the trainer! Goes out of his way to help. Good sense of humour too. Homework again? Looks like it’s going to be a daily thing.

Two days gone, had five mock exams already and done ok so far.

Wednesday 9.30 am
Here we go mid week and I’m starting to get the hang of this course and really enjoying it at last. Although it’s not easy, people on the course are starting to make friends, forming groups and socialising. Enjoying today even more as it’s about mortgage products and that what the job’s all about anyway.

Stayed behind last night with a few of the others to get to grips with the formulas. It’s ok for some of the young people on the course as it’s not long since that they left school but me, I haven’t done any serious maths for twenty odd years.

More mock exams today and I think that I am coming to terms with the style of questions and the time allocated. Some of my mock examination marks are starting to improve, including the homework. Missing the family though, not long to go now!

Thursday 9.30 am
This trainer is incredible, cracking jokes and light conversation about some of the homework answers has certainly clarified one or two things that I was a bit shy to ask about, just in case I showed myself up in front of everyone. It’s as though the trainer knows how we think and act in front of other people.

Starting to feel tired today as it is starting to catch up on me. Although the exam technique is now ok, the course content is getting a bit much but we are all in the same boat and it’s f

Toothpaste
I have written quite a number of articles regarding the danger of toxins. Toxins have long been recognized as one of the main causes of the obesity problem here in North America.However I read an interesting article from the BBC today, this shows Toxins are not only in the air we breathe , but are been placed in our foods and cosmetics. ………US checks toothpaste for toxinsToothpaste is the latest Chinese export to raise safety concerns Health officials in the United States say they are checking all shipments of toothpaste imported from China for contamination with toxic chemicals. Panama and the Dominican Republic have reported finding diethylene glycol, a chemical used in engine coolants, in toothpaste from China.The toothpaste scare is the latest involving products from China. Earlier this year, contaminated pet food ingredients killed a number of cats and dogs in North America.The toxic chemical, melamine, was found in wheat gluten exports from China for use in pet food, prompting a recall of at least 100 pet food brands. The tainted wheat gluten was even thought to have made its way into livestock feed. Low-cost substitute Cough syrup containing diethylene glycol originating from China killed more than 50 people in Panama la

We all strive for success by studying for university degrees, attend courses and continuously look for a spark for direction in life and it’s not until we see a professional person in front of us that we realise that it’s a job that we would like to do. It seems easy watching that individual working at the height of their career without realising what price they have had to pay to achieve success.

Being in the Financial Services Industry for over 20 years, many people have asked me what it takes to become a successful mortgage broker. As the Marketing Director of Money Marketing Limited, a company that trains hundreds of budding UK mortgage advisers per month, I feel that I am well qualified to answer that question.

“ It takes dedication, focus, hard work and the ability to strive for success.”

So what criteria should you use when deciding on your future career direction? Well, try asking yourself a few of the following questions:

· Do you think that you would enjoy helping people with their finances?
· Would you prefer to be an employee?
· Would you like to be self-employed?
· Are you determined to become a high earner?
· Are you intent on being successful?
· Would you like to be in charge of your own destiny?

A ‘yes’ answer to most of these could mean that you should consider investigating how to become a mortgage broker but before you do, let’s look a little further. The start to becoming a mortgage advisor means is passing a mortgage advice qualification and in my opinion the most recognised one in the UK is the Certificate in Mortgage Advice and Practice (CeMAP)

Do you need to have a degree to pass the exams? You will not need academic qualifications to be able to pass the Cemap exams but one thing you will need is a strong desire to succeed in a highly competitive industry.

If you are looking to start a career in Financial Services as a mortgage advisor but are finding it hard to get your foot in the door, let our dedicated team of industry-experienced CeMAP training professionals lead the way. We have people travelling to our venues from all parts of the country including Scotland, Wales and Northern Ireland.

We successfully help individuals to pass their mortgage advice qualifications in literally days of intensive, fast track cemap training. Having said that, it can be easy for the gifted people who are just natural at passing academic exams. I recently spent a week with a group of 10 delegates on a CEMAP 2 & 3 training course and the range of abilities on the course was extremely diverse. The challenge here for the cemap trainer was to get them all to the same standard by the end of the week and prepare them for their exams, the week after. Nine out of the ten passed their relevant exams.

The challenges of the CeMAP exams are that you need to learn the qualification content and pass the exams at 70% but that is not all. Many people coming into the mortgage industry have not sat exams for years and in some cases not since they left school. Our CeMAP training courses were built for individuals who are new to the mortgage industry and as a consequence, we teach the course content and mock examine you on a daily basis.

The advantage to this system is obvious, not only are you learning the course content but the exam techniques as well. With strengths and weaknesses identified on a daily basis, it is easy to identify the areas that require extra tuition during the week. This proven system allows us to help hundreds of people get through their Certificate in Mortgage Advice & Practice (CeMAP) exams per month.

Do take care, as the route to becoming a mortgage adviser could be fraught with dangers for the unprepared and under researched person, as the journey could be a long and arduous one. Care should be taken when choosing the company for the initial CeMAP training as many organisations are strictly in the business of offering either a two-day revision course or a self-study CeMAP examination course that in our opinion is not enough. Further to this there are unscrupulous organisations that may try to lure individuals into offering cheap CeMAP training courses and then taking ?5,000, ? 6,000 or even ?9,000 off them in an attempt to recruit them into their mortgage business as mortgage advisers or offering them an expensive mortgage franchise.

Have you ever wanted to know before hand how a CeMAP training course might run on a daily basis? Well here is a fly on the wall account of a recent CeMAP 2 & 3 combined training course that I attended in London run by Money Marketing Limited for 10 budding mortgage advisers.

Monday 9.00 am
We all reported to the conference centre of the Premier Travel Inn at Enfield, where the trainer greeted 10 very apprehensive and nervous delegates all looking for our allocated seats and nodding to each other in greetings. The most pleasing thing was the friendly atmosphere that was created by the welcoming trainer and quickly putting us at ease and introducing the week ahead. The most surprising thing was two large folders in front of each delegate, one labelled Course Notes and the other Course Exams.

Well away we go covering the first part of the course and hey, what’s this? Are we being tested so early? Yep, sure thing, mock multiple choice exam questions at the end of each covered section. Not used to this, not done any exams since my school days. Still, must attempt them and see how it goes.

The first day flew by. What? Homework? Not much chance for socialising in the bar tonight then. Still, I had better get my head down and focus.

Tuesday 9.30 am
Later start today, needed that extra half hour to pull myself together. Marked the homework first thing and got 72% not bad. Off we go following the course notes, delegates asking questions to the trainer who shows a high degree of knowledge. Quite liked being able to ask questions and clarify things, certainly couldn’t do that on a self-study course. I’m getting into this multi choice exams system now, usually there are two definitely wrong answers and that only leaves two left to think about.

Some of these questions are rather difficult and I haven’t done formulas and maths for ages. Hey, the trainer said that all us that are struggling with our maths could stay behind for some extra tuition. I like the trainer! Goes out of his way to help. Good sense of humour too. Homework again? Looks like it’s going to be a daily thing.

Two days gone, had five mock exams already and done ok so far.

Starting to feel tired today as it is starting to catch up on me. Although the exam technique is now ok, the course content is getting a bit much but we are all in the same boat and it’s fu

The M-Word (Marketing) Phase 2
Last month we looked at what you need to do before you spend money on marketing brochures, a website, advertising or even go out to network. During Phase 1, it’s all about crafting your message. Key steps include getting clear about your market niche, developing a clear message about how you solve your target clients’ problems, articulating what makes you their best choice, packaging your services so clients will buy, and demonstrating why they should trust you.Skip Phase 1 and chances are you'll do a really good job at spreading the wrong message about your firm in the marketplace. Not only is this confusing for prospective clients, it's a waste of your firm's time and resources. You can learn more about these crucial steps in last month’s e-newsletter at http://www.turningpointemarketing.com:8080/icms/icms.php/cs/9/Articles.html.So let's say you've done your Phase 1 homework and are ready to communicate with your marketplace. Where do you start and what should you consider? In Phase 2 you have a number of communication channels to tap, all of which should be working together. The basics include a business card and stationery, a website, a keep-in-touch system (ideally an e-newsletter, but a paper version works too), perhaps printed materials or leave behin

tificate in Mortgage Advice and Practice (CeMAP)

The first day flew by. What? Homework? Not much chance for socialising in the bar tonight then. Still, I had better get my head down and focus.

Two days gone, had five mock exams already and done ok so far.

Starting to feel tired today as it is starting to catch up on me. Although the exam technique is now ok, the course content is getting a bit much but we are all in the same boat and it’s f

Borne Online The Next Generation
Borne online is something none of us conceptually think about. However, our children of the 1990's were clearly brought into this world with this leverage. Look around at our military and our general aviation industry. Pilots entering the military or commercial operations have incredible capabilities with all of their online experiences from the games and online chat rooms they have been exposed to and in some cases, trained on. From Sony's Play Station to the XBox of Mircrosoft, our children and their children have a distinct advantage to adopting to the challenges we face every day. Which web portal will I be directed to next for an HR Testing zone? Where do I need to file that expense report? What happened to our fax machine.Our children don't even know what a fax machine is! They don't need them in their day to day functions and from an environmental perspective this is a good thing. We should be a paperless society in the next 10-15 years if current trends continue to head in the direction we are going. Want to get cash at the ATM? Why? In fact, do we need printed money/currency to exist today? When is the last time you went shopping our out to dinner and the vendor did not have an internet connection? We have even seen an outdoor Flea Market s

ach the course content and mock examine you on a daily basis.

The first day flew by. What? Homework? Not much chance for socialising in the bar tonight then. Still, I had better get my head down and focus.

Two days gone, had five mock exams already and done ok so far.

Starting to feel tired today as it is starting to catch up on me. Although the exam technique is now ok, the course content is getting a bit much but we are all in the same boat and it’s f

Organizational Cultural Shift
I worked for a respected pharmaceutical sales and marketing organization during years of rapid growth and expansion. The "driving rule" of behavior for this company was to "compete" and "perform" better than everyone else. This focus on competition drove the entire organization to excellence as they used this strength to influence hospitals, governments and insurers to use their products and drove improvement within the organization. Top performers were rewarded with many rewards and recognitions. Those who didn't perform were replaced with those who would. This culture helped attract and develop people who were competitive and driven for success.However, the industry began to change. Cost constraints pressured private and public health providers to decrease costs, forcing change in the pharmaceutical business. Teamwork, collaboration and partnerships with government, health insurers, and physician groups became more important.As a result, senior management introduced a new set of values that included values such as, alignment, teamwork, collaboration, community, and respect for people. However, the organization continued only to recognize and promote based only on performance and competition. While HR distributed films, books and posters explaining

ield, where the trainer greeted 10 very apprehensive and nervous delegates all looking for our allocated seats and nodding to each other in greetings. The most pleasing thing was the friendly atmosphere that was created by the welcoming trainer and quickly putting us at ease and introducing the week ahead. The most surprising thing was two large folders in front of each delegate, one labelled Course Notes and the other Course Exams.

The first day flew by. What? Homework? Not much chance for socialising in the bar tonight then. Still, I had better get my head down and focus.

Two days gone, had five mock exams already and done ok so far.

Starting to feel tired today as it is starting to catch up on me. Although the exam technique is now ok, the course content is getting a bit much but we are all in the same boat and it’s f

Competitors and Local Code Enforcement
If you are a small businessperson then chances are you have had a situation occur where another small business or larger competitor has used the local Government code enforcement officer to harass you. This is a common occurrence and it is unfortunate that they do not teach this at the SBA seminars.The good old boy network that occurs in most cities is alive and well in the United States of America. This occurs both in large cities and small towns. Competitors know that if they can get the local code enforcement officer to come over and find a violation in your business that it will slow your business town and therefore give them the edge.It is too bad that people do not have more integrity than that and too bad it competitors call in competing companies for violations. Of course if you are violating the law he should not be violating the law, but we know that many of the rules and regulations from the municipal level all the way to the federal level are quite onerous and this is unfortunate.It is literally impossible to follow all the rules or for that matter even know all the rules. In my 27 years in business as a Franchisor, I cannot tell you how many times our franchisees just starting out in their local areas had to deal with competitors who

ehind for some extra tuition. I like the trainer! Goes out of his way to help. Good sense of humour too. Homework again? Looks like it’s going to be a daily thing.

Two days gone, had five mock exams already and done ok so far.

Starting to feel tired today as it is starting to catch up on me. Although the exam technique is now ok, the course content is getting a bit much but we are all in the same boat and it’s full mock exams all day tomorrow. Last day to learn about mortgages and things but I must admit that all the insurances are rather confusing. What with Full Endowments, Low cost, Unit linked, Decreasing term, Level term, it’s all a but confusing at the moment. Must stay behind tonight to go through these different policies to better understand them. More homework for tonight, last chance to get the preparation right for tomorrow. Must get a good night sleep tonight, no Stella Artois.

Friday 9.30 am
I don’t believe it, the week has gone so fast, yet I feel so tired. Full mock exams today on both CeMAP 2 and 3 papers. Hope that I do well but it should be a good test today to see if I’m ready or not to sit the proper exam next week. We are all tense and ready for the mocks but don’t know what to expect.

Here we go, start. Hey this is ok, some of the questions are easy and I don’t know what I was worried about. Whoops! There goes that low cost endowment question again. Don’t really understand why they ask questions about endowments as they are not arranged anymore. 85% in the CeMAP 2 mock exam that only took me 1.5 hours of a two-hour question makes me feel good this morning and I’m dying to discuss some of the questions with the others. Not looking forward to the CeMAP 3 exams this afternoon.

Just got through the CeMAP 3 mock exam with a score of 71%. Not good enough as it’s borderline and I need to do more work for next week before I take the proper exam. The good news is that I can take my Course Notes and Course Exams booklets home with me and test myself on a further three mock exams before I sit the actual exams.

This was a fly on the wall interpretation by Joe Kocsis the Marketing Director of Money Marketing Limited who attended a recent CeMAP 2 & 3 combined training course.

Money Marketing Limited is a training school, strictly in the business of training individuals to assist them with their CeMAP exams and then offering advanced mortgage training modules to individuals and companies alike, in their quest to become professional mortgage advisers or even self-employed mortgage brokers.

Visit our website at http://www.cemap-training.org.uk for further information on mortgage advisor courses

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