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MATTERS
Business
How AI is
changing
THE
EMPLOYMENT
LANDSCAPE
CHRIS
PHAM’S
Money
Hacks
MacKenzie Scott :
Gifting for
Business Growth
Have you been
ghosted by
YOUR
RECRUITER?
Contents
09
19
CHRIS
PHAM’S
MONEY HACKS PROFESSIONALS
18 yourcareermagazine.com
Founder and Managing Director of
Mission Grow Advisory, Chris Pham has
had over 15 years in the accounting and
business advisory game. His expertise
includes growth advisory, tax advisory,
business structuring and industry growth
expert. We chat to him about getting your
head in the nance game.
Pham says that cash is still king; you need
money to make money.
“It is extremely dicult to earn real money
working for someone else (salary & wages)
as there are only a handful of people earning
good money as an employee which gets
eroded by tax. Passive income or building
your own business is the best path to increase
individual wealth,” he says.
If you’re like most people who haven’t been
born into a wealthy family and are working for
someone else, then check out Chris Pham’s top
tips, designed to assist you in saving money
and increasing your family wealth.
Review. Take a break down of your
current monthly expenses & outgoings and
place them into categories such as food,
investment, entertainment, travel & household
to gain an understanding of where you are
currently at.
Statement of Financial
Position. Prepare a list of your current
assets at market value against any liabilities
you currently have.
Budget. Based on existing expenses
determine what is necessary and what you can
cut back on which you can use to invest or pay
o loans to increase personal wealth.
Leverage. Is there an ability to borrow
money to make more money or invest?
Tax. Can you utilise any tax incentives
to assist with cash ow when leveraging on
certain investments? Consider if there’s a
better investment/business structure that will
allow you to income split with family members.
Ghosted
By Your
So, you’ve applied for your dream
job. Waiting by the phone,
refreshing your inbox and hoping
to hear news about the interview,
only to be met with radio silence, is an
excruciating holding pattern.
14 yourcareermagazine.com
06 13
22
15
EXECUTIVE
COACHING CORNER
WITH DR. KAREN
CHRIS PHAM’S
MONEY HACKS
PROFESSIONALS
GHOSTED
BY YOUR
RECRUITER?
WHY SIMON SINEK
WANTS YOU TO BUILD
A PURPOSE DRIVEN
ORGANISATION
MACKENZIE
SCOTT: GIFTING FOR
BUSINESS GROWTH
5 WAYS BUSINESS
STRATEGY
WILL CHANGE
BEFORE 2025
Contents
Contents
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MATTERS
Business
26
30 yourcareermagazine.com
Harne Energy Into Action
Cham Tang:
Setbacks happen; we all
experience obstacles in our
daily lives and career journeys.
You don’t get the promotion
you were hoping for, you can’t nd a
parking spot on a day you’re already
running late, or you nd yourself
stuck in a job you don’t love. While
frustrating, it’s all normal.
Unfortunately, normality doesn’t mean
the feeling of failure or discouragement
will disappear. We spoke with Head of
Marketing and Managing Director with
Authentic Education, Cham Tang, about
moving forward after professional
failure.
In his role, Cham is able to help people
make a dierence and earn a living
doing what they love, which usually
involves starting a business in the elds
of coaching, consulting, or speaking.
“I also educate our clients on how to
get a 500% return on every marketing
dollar they spend using strategies that
have worked for us, like Facebook ads,
social media, Google searches, and
running live events,” Cham says. “I do
this by running live workshops such as
‘Marketing Your Message’ as well as
online programs.”
And while he has it gured out now, it
wasn’t always that way. Cham made a
few career mistakes along the way and
didn’t utilize his skills or passions in
previous jobs.
“I got my rst job at 15 years old
working at McDonald’s,” Cham told us,
“In high school, I got a TER of 49.45 and
couldn’t really do much with that mark.”
“I was lost in my career, so I got a job
at NAB as a voucher clerk. I didn’t
love it, but decided to back it up with
37yourcareermagazine.com
30
42
39 46
34
IS ARTIFICIAL
INTELLIGENCE
CHANGING THE
EMPLOYMENT
LANDSCAPE?
ARE YOU A
LEADER OR A
MANAGER?
BY IRIS DU
CHAM TANG:
HARNESS ENERGY
INTO ACTION
HOW TO
AVOID THE
3PM SLUMP
6 BEST BANKS
FOR SMALL-BUSINESS
LOANS IN 2021
7 WAYS TO
SUPERCHARGE
YOUR STRENGTHS
TO GET AHEAD
PROFESSIONALLY
MATTERS
Business
“Whether you’re a farmer, builder or engineer,
the opportunities are equal: Just add a little
innovation.” “Entrepreneurship without skills
limits your growth potential.” “A vision on its
own is not enough. Hard work and dedication
is required to make that vision a reality.”
- Strive Masiyiwa
with Dr. Karen
Executive
Coaching
Corner
BUSINESS MATTERS
6BUSINESS MATTERS
FIVE THINGS
YOU NEED TO
CREATE A HIGHLY
SUCCESSFUL
CAREER AS AN
EXECUTIVE OR
BUSINESS COACH
Let’s look at the oldest form of
coaching, which would be in
the area of sports. A basketball
team looks to their coach for
guidance, tools, resources, and for
the winning plays. There’s not been
a team in sports that has not won a
championship without a coach. Your
business, your professional career,
and your life should resemble a
sports team. Coaching is a necessity.
My tagline quote is, “Life is not a
sport that you want to participate in
without a coach.” And that is a fact
because we all want to win!
The ve things you need to create a
successful career as a life or business
coach are, FIRST, coaches must
know their clients. I created the
7
BUSINESS MATTERS
6BUSINESS MATTERS
Operational Style Assessment because it
was important for my clients, of course,
to know themselves. But it was even
more important for me to understand my
clients.
SECONDLY, as a coach, you should
be a resource. You should be able to oer
your clients resources that they do not
have. The support they do not know how
to get, tools that are not readily available
to them at a moment’s notice.
THIRDLY, it is extremely important
to be clear of your oerings. Your clients
should know your theories, your tools,
your education, and your results. Who and
what people have gained from being your
client or being a part of your coaching
program?
FORTH, every coach no matter if
you are a life coach, a nancial coach,
business coach, executive coach, or any
other type of coach, must have emotional
intelligence. You must be practicing and
operating with Emotional Intelligence at
the forefront of your coaching premises.
LASTLY, know your craft. People are
paying for your services, paying for you as
an expert to help them grow in whatever
capacity you’re coaching. People ask
me often, should I be a certied coach?
I say to them if you feel you need the
certication to support your skillset as
a coach then you should seek out that
certication. What is more important is
that you are educated in your craft. You
must have credentials that provide your
clients a secure understanding that you
have research in your eld, you have been
educated in your practice, and you are
considered an expert in your eld.
COMMON MISSTEPS:
What I deem the largest misstep for
new coaches is they don’t know their
clients and/or they are not experts in
their eld. I am not saying that life lived
is not a skill that can surely be shared
with others to support their growth. But
what I am saying is new coaches do
not take the time to complete research
in their coaching eld. It is extremely
important to conduct research on what
is needed in the area of your expertise.
New coaches should ask themselves these
questions, what is my target market?
What are the needs of my clients? What
do I want to teach or oer them? What
are my like competitors doing? What are
my competitors doing that works? New
coaches must understand that they’re
starting a business. Essentially, this advice
is for therapists, counselors, and MFT’s
alike. I have worked in higher education
in the psychology eld for over 10 years.
I understand that colleges do not train
practitioners on how to run businesses.
Colleges and certication entities oer
their students the how to be practitioners,
not the how to be business owners.
CLIENT EXPERIENCE:
I can’t stress enough the importance of
having an assessment tool that allows
a coach some insight into their clients.
Having the ability to gather information
in a short period will allow a coach to
establish a relationship of trust and
understanding with their client.
I’m not sure I am on board with the ‘Wow!’
factor. Coaching is about a relationship. It’s
not about how can I ‘Wow’ you with the
BUSINESS MATTERS
8BUSINESS MATTERS
information I have. It’s about how can I
support you with the information that I
have. So, I guess, if you are looking for
the ‘Wow’ factor, it would be that you
must use emotional intelligence and the
competency of Empathy.
LEAD GENERATION:
I receive 10 to 15 invites/messages in
my LinkedIn Mailbox daily from lead
generation individuals and companies
promising me high ticket clients and
massive lead generation. I have not used
one of these individuals or companies.
I am not saying they cannot be a help
to a coach building a business. But I
am saying, I have not used one. The
reason I have not used one is because
of how they market to me. I get the
same message from 80%-90% of them.
Not one of them has approached me
with Emotional Intelligence. I received
a candid message. They do not appeal
to my needs as a client. I mention this
to share with coaches that they must
be clear about how to approach their
audience. Here are a few strategies to
build eective leads:
1. Build a referral base. Start with people
you already know and who know your
skills as a coach. Have a free 1-hour
or 30-minute group session with
colleagues and acquaintances on a
topic that you know well. From that
session, ask for referrals.
2. Build your brand and niche via
your social media platforms and
be consistent with that brand. Not
redundant…consistent. Oer free
sessions to build clientele. A very
prominent platform right now is
Clubhouse. Try it out.
3. Create a website that supports your
brand and spell out your coaching
oerings. Be conscious of being too
wordy on your website. Be concise
and clear! You’re welcome to check
the Resource Aliate section on
our website for website creation
recommendations.
4. Seek out a comprehensive coaching
platform. My favorite is simplycoach.
com
5. Lastly, you can always try out some
of the lead generation individuals
and companies on LinkedIn. I have
none I can recommend.
YOUR PHYSICAL AND
MENTAL WELLNESS:
As an expert executive coach and
business strategist, I teach work-life
balance. So, I practice what I teach.
Now, you are correct that when you
are starting a new coaching business
or any new business, you will have to
put in plenty of hours to build your
business. But it is just as important to
build in time for yourself. It is necessary
to have mindfulness time, journaling
time, reading time, and personal time.
My executive assistant will tell you that I
calendar in days for my time. The goal
for a coach or business owner is to scale
your business. I recommend creating
a scaling plan which includes growth
projections that would allow you to
hire additional coaches or expand your
business based on the business model.
Here’s a suggestion. Schedule half-day
Fridays or half-day Mondays for your
mental time. As I mentioned earlier, here
is a way to create a good habit that will
support you and the growth of your
business.
9
BUSINESS MATTERS
8BUSINESS MATTERS
Giing for
Business Growth
MacKenzie Scott:
BUSINESS MATTERS
10 BUSINESS MATTERS
MacKenzie Scott stormed the
philanthropy world last year
with $5.7 billion in unrestricted
donations to hundreds of
charities. The seven- and eight-gure gifts
were the largest many had ever received.
At the time, few people understood the
multiplier eect those gifts would have or
how truly wide a net she was casting. The
many tentacles of her giving are poised
to touch charities far beyond those that
received money directly from Scott.
Joe Neri, CEO of the Illinois Facilities
Fund, had an inkling that would be the
case when his group received $15 million
from Scott. Neri’s organization lends
money to other charities. Many of the
loans it provides help nonprots make
improvements like replacing a leaky roof or
constructing a new medical clinic.
Neri knew his organization would lend
much of that $15 million to the nonprots it
nances and that the impact of the money
would end up being closer to a $75
million donation over time, allowing his
organization to help far more people.
Scott’s gift is considered reliable equity
by loan-making nancial institutions,
corporations and foundations. That means
Neri can borrow additional money — in
this case around $60 million, he says —
that his fund can then lend to charities.
The money also generates income when
the charities pay the fund back.
“I call it the gift that gives forever,” says
Neri.
Another way Scott’s giving is extending
beyond original beneciaries: Many
nonprots that received donations are
distributing portions of the money to their
aliates or other small charities.
For example, Scott gave a combined $162
million to 22 Easterseals aliates, plus the
national oce in Chicago. Gifts ranged
from about $1 million up to the $15
million that the national oce received,
11
BUSINESS MATTERS
10 BUSINESS MATTERS
says Angela Williams, CEO of Easterseals,
which assists people with disabilities.
The national oce plans to use part of
the $15 million it received to help some
of the 45 aliates that didn’t receive Scott
donations. For example, aliates can
apply to the national oce for money to
help close a funding gap or update an
existing program.
Scott, 51, is a reluctant public gure. She
did not respond to interview requests for
this article. According to media reports,
Scott grew up in a wealthy San Francisco
household. Her father ran an investment
rm until ling for bankruptcy in 1987.
With the family’s nances diminished,
she worked multiple jobs to put herself
through Princeton.
Scott played a prominent but backstage
role helping her former husband, Je
Bezos, build Amazon into the global
behemoth it is today.
Since the couple divorced in 2019, she
has attracted an extraordinary amount
of attention for a post-divorce net worth
estimated at nearly $60 billion. A writer
whose novel “The Testing of Luther
Albright” won an American Book Award
in 2006, Scott has shied away from
speaking publicly about her philanthropy.
Yet true to her craft, Scott provided clear
written statements about her motivations
in two Medium posts that were published
in July and December. In them, she
explained how she selected the groups to
which she gave and why. She wrote that
her life includes “two assets” that she can
use to help others: the wealth delivered
to her by an “imbalanced” social system
and “a conviction that people who have
experience with inequities are the ones
best equipped to design solutions.”
Indeed, one of Scott’s most important
goals for her giving is to help historically
marginalized people by supporting
charities that focus on racial, gender and
social justice.
Scott’s gift of $2 million to Borealis
Philanthropy, a grant maker that supports
social-justice groups led by people who
have traditionally been excluded from
leadership positions, is one example.
It also exemplies Scott’s eort to
fan money beyond the immediate
beneciary. She directed the Borealis gift
to the group’s Fund for Trans Generations,
which supports nearly 60 small charities
that are led by and serve transgender,
gender nonconforming, and nonbinary
people.
BUSINESS MATTERS
12 BUSINESS MATTERS
Many of the groups are implementing
anti-violence programs and helping
trans and gender-nonconforming people
develop leadership skills. Scott’s money
will aid those eorts at a time when
violence and punitive laws aimed at trans
people have increased, says Ryan Li
Dahlstrom, who leads the fund.
Scott’s decision to let nonprot leaders
decide for themselves how to use
the money shows that she trusts their
expertise. Almost every charity leader who
spoke to the Chronicle said the freedom
to direct the money to where it was
needed most was the characteristic of her
giving that mattered most.
Scott is showing a striking level of humility
not usually seen among ultrawealthy
donors who have made their fortunes in
technology.
“That’s just, unfortunately, hubris that
sometimes comes with the money,”
says Chuck Collins, a former wealthy
heir who gave his fortune to charity in
1986 and today leads the Program on
Inequality and the Common Good at
the Institute for Policy Studies. “Coming
out of the tech world and the whole
notion of disruption, I would say she is
the big disrupter of traditional billionaire
philanthropy.”
Many nonprot leaders hope other
wealthy donors will take note of Scott’s
approach and start giving more and
bigger unrestricted donations — with
an explicit recognition that it is charity
leaders who know best where to direct
charitable dollars to do the most good.
“There has to be a recognition at some
point that you have professionals on the
ground that are close to the issues,” says
Williams, of Easterseals. “We come to
this work with a level of understanding
and sophistication to do the work. What
we don’t come to the table with is an
abundance of funds to get it done.”
Sourced by Associated Press by the
Chronicle of Philanthropy: Maria Di
Mento
13
BUSINESS MATTERS
12 BUSINESS MATTERS
CHRIS
PHAM’S
MONEY HACKS PROFESSIONALS
18 yourcareermagazine.com
Founder and Managing Director of
Mission Grow Advisory, Chris Pham has
had over 15 years in the accounting and
business advisory game. His expertise
includes growth advisory, tax advisory,
business structuring and industry growth
expert. We chat to him about getting your
head in the nance game.
Pham says that cash is still king; you need
money to make money.
“It is extremely dicult to earn real money
working for someone else (salary & wages)
as there are only a handful of people earning
good money as an employee which gets
eroded by tax. Passive income or building
your own business is the best path to increase
individual wealth,” he says.
If you’re like most people who haven’t been
born into a wealthy family and are working for
someone else, then check out Chris Pham’s top
tips, designed to assist you in saving money
and increasing your family wealth.
Review. Take a break down of your
current monthly expenses & outgoings and
place them into categories such as food,
investment, entertainment, travel & household
to gain an understanding of where you are
currently at.
Statement of Financial
Position. Prepare a list of your current
assets at market value against any liabilities
you currently have.
Budget. Based on existing expenses
determine what is necessary and what you can
cut back on which you can use to invest or pay
o loans to increase personal wealth.
Leverage. Is there an ability to borrow
money to make more money or invest?
Tax. Can you utilise any tax incentives
to assist with cash ow when leveraging on
certain investments? Consider if there’s a
better investment/business structure that will
allow you to income split with family members.
BUSINESS MATTERS
14 BUSINESS MATTERS
SMALL STEPS
PROFESSIONALS CAN
START TAKING IN THEIR
EVERYDAY LIFE TO HELP
GET AHEAD
1. Create a household budget .
2. Pay o non-deductible loans with excess
cash (your family home loan).
3. Meet with a nancial planner/advisor for
personal investment advice.
4. Meet with an accountant to discuss current
tax position and opportunities to utilize
investment structures or borrowings to
minimize tax or utilize to partially fund
investments.
START INVESTING AND
GET AHEAD
1. Start a side hustle (business on the side)
with the focus of building it.
2. Leverage. Borrow money to make more
money such as investing in property,
business etc.
3. Career Plan. Build a 5-year game plan on
how you will get ahead in your current
position and present a case to your
employers for future promotion.
COMMON MISTAKES
1. Underestimating the need for
entertainment. Attempting to cut out
entertainment expenses completely
isn’t sustainable. Ensure you allocate a
reasonable amount to have fun.
2. Not sticking to budget or having any
accountability on personal spending.
3. Investing in get rich quick schemes
or scams. If money was easy to make
everyone would have it.
4. Understanding the principles or risk
vs reward and how that plays into
investment/business decisions. High risk
high reward and vice versa.
5. Getting advice from the wrong people
– Seek a professional who has a proven
success record.
There is no easy way to make money
however if you surround yourself
with the right people and have some
discipline you will be able to create
wealth. It’s just a matter of time.
“
15
BUSINESS MATTERS
14 BUSINESS MATTERS
WHY
SIMON SINEK
WANTS YOU TO BUILD
A PURPOSE DRIVEN
ORGANISATION
11yourcareermagazine.com
BUSINESS MATTERS
16 BUSINESS MATTERS
I
t all began with Simon’s 2009 Start
With Why TED talk on how great
leaders inspire action. Eight years later,
the motivational speaker, author and
marketing expert’s twenty minute talk
has clocked nearly nine million views. It’s
sparked a revolution in the way businesses
and individuals think but suggesting they
ask themselves three key questions: why
they do what they do; how they do it and
what product or service do they provide.
He tells YOUR CAREER about how his
philosophy of creating a purpose driven
business.
Did you always imagine
you’d inspire so many
people?
Simon: Simply put, no. All of my work is
semi-autobiographical. I have attempted
to solve my own challenges – nding
and pursuing purpose; who to trust; how
to succeed in a competitive world. Like
anyone, when I discover something that
helps me, I share it with the people around
me.
What was your‘ why’ when
you were younger?
Simon: I‘ve always been driven by
curiosity. It was my grandfather who
encouraged me at a young age to
embrace and pursue what makes me
unique. Early in my career, whenever I
interviewed for a job, I was often asked
the question, what am I looking to gain
from this job? I would always answer in the
same way: ‘I’m looking for a mentor’. I’m
obsessed with learning and growing and
nding better ways to make progress.
How can businesses inspire
their employees to work
with purpose?
Simon: Their people must rst be inspired
to be a part of the organisation. The way
an organisation can accomplish that is
to stand for something – to have a ‘just
cause’, a noble reason for existing. When
an organisation stands to create human
good, people are more willing to sacrice,
to see that cause be advanced.
Can employees encourage
the businesses they work
for to have purpose?
Simon: It is our human right to nd
fulllment from the work we do. One thing
employees can do is demand from their
leaders to share their just cause. If their
purpose is absent, fuzzy or not all that
inspiring, employees can pursue another
leader or organisation to work with that
does. The other thing that is always
available to us, regardless or our rank, is to
choose to be the leader we wish we had.
We cannot change our leaders. The only
thing we can change is ourselves. Choose
to be someone people want to follow.
What if businesses don’t
know their purpose?
Simon: It’s elusive. The ‘why’ can get
fuzzy if isn’t clear, or isn’t consistently
shared and lived.
12 yourcareermagazine.com
17
BUSINESS MATTERS
16 BUSINESS MATTERS
It all began with Simon’s 2009 Start
With Why TED talk on how great
leaders inspire action. Eight years later,
the motivational speaker, author and
marketing expert’s twenty minute talk
has clocked nearly nine million views. It’s
sparked a revolution in the way businesses
and individuals think but suggesting they
ask themselves three key questions: why
they do what they do; how they do it and
what product or service do they provide.
He tells YOUR CAREER about how his
philosophy of creating a purpose driven
business.
Did you always imagine
you’d inspire so many
people?
Simon: Simply put, no. All of my work is
semi-autobiographical. I have attempted
to solve my own challenges – nding
and pursuing purpose; who to trust; how
to succeed in a competitive world. Like
anyone, when I discover something that
helps me, I share it with the people around
me.
What was your‘ why’ when
you were younger?
Simon: I‘ve always been driven by
curiosity. It was my grandfather who
encouraged me at a young age to
embrace and pursue what makes me
unique. Early in my career, whenever I
interviewed for a job, I was often asked
the question, what am I looking to gain
from this job? I would always answer in the
same way: ‘I’m looking for a mentor’. I’m
obsessed with learning and growing and
nding better ways to make progress.
How can businesses inspire
their employees to work
with purpose?
Simon: Their people must rst be inspired
to be a part of the organisation. The way
an organisation can accomplish that is
to stand for something – to have a ‘just
cause’, a noble reason for existing. When
an organisation stands to create human
good, people are more willing to sacrice,
to see that cause be advanced.
Can employees encourage
the businesses they work
for to have purpose?
Simon: It is our human right to nd
fulllment from the work we do. One thing
employees can do is demand from their
leaders to share their just cause. If their
purpose is absent, fuzzy or not all that
inspiring, employees can pursue another
leader or organisation to work with that
does. The other thing that is always
available to us, regardless or our rank, is to
choose to be the leader we wish we had.
We cannot change our leaders. The only
thing we can change is ourselves. Choose
to be someone people want to follow.
What if businesses don’t
know their purpose?
Simon: It’s elusive. The ‘why’ can get
fuzzy if isn’t clear, or isn’t consistently
shared and lived.
12 yourcareermagazine.com
Is it possible to have
employees that work
with purpose in today’s
economy?
Simon: There are spectacular
organisations throughout the world
that consistently choose to put their
people rst, even at the hardest of times.
Organisations can expect their employees
to stick with them if they choose to stick
with their employees. Especially when it’s
hard and inconvenient.
How can‘ why’ apply to
small businesses?
Simon: When you know your ‘why’, you
know what you stand for. If you use it,
people will know who you are. You will
attract the types of partners, employees,
customers and vendors who believe what
you believe. Business becomes more than
a transaction. Your business becomes a
relationship built on trust, love and loyalty.
Simon’s Philosophy
Clarity of WHY: If you, as an
organisation or individual, do not know
your WHY, we cannot expect anyone to
know it for you.
Discipline of HOW: You must act in line
with your individual and organisational
strengths, values or guiding principles.
Every individual and culture has a unique
set of values.
Consistency of WHAT: We are a
tangible species, and we constantly
evaluate people and brands by the things
they say and do. To live your WHY and
generate trust from the inside out of the
organisation, you must say and do the
things you actually believe.
simonsinek.com
13yourcareermagazine.com
BUSINESS MATTERS
18 BUSINESS MATTERS
K
BRAND
POWER
WANT TO 2X YOUR INCOME?
Do you have TONS of experience yet seem to struggle
getting that promotion or new job...
So why aren’t you getting paid more?
It’s all about positioning and perception.
Having a brand is more important than ever before in
this highly competitive world.
You need to have a brand is congruent and positions
you as an authority figure in your field of expertise.
Employers are only looking for #1 - not number 2 or 3...
So are you showing up as your best self?
WHY YOU SHOULD BE INVESTING
IN YOUR BRAND:
• Increase team dynamics within your
workplace.Understanding how to
increase your team’s performance
within the workplace.
• Strengthen your presentation skills.
Learn how to present to people, a
team and executives.
• Build a better rapport with internal and
external stake-holders.
• Develop succinct communication skills.
Learn how to communicate clearly and
to the point within your team and during
meetings.
• Improve your performance as a whole
within the workplace.
Watch yourself transform within the
workplace.
• Learn how to boost career
opportunities. Learn how to ask for
opportunities and recognise them
within the workforce.
• Improve on your influencing skills.
Learn how have influence members of
your team and executives.
WHAT A BRAND CAN DO
ACCELERATE YOUR CAREER FAST
MAXIMISE THE MONEY YOU MAKE
INFLUENCE STAKEHOLDERS AND CLIENTS
ATTRACT NEW CAREER OPPORTUNITIES
WHAT IS THE NEXT STEP?
Email us on admin@careerists.com.au or visit our website www.careerists.com.au
to book in a 20-minute consultation with our coaches now.
19
BUSINESS MATTERS
18 BUSINESS MATTERS
K
BRAND
POWER
WANT TO 2X YOUR INCOME?
Do you have TONS of experience yet seem to struggle
getting that promotion or new job...
So why aren’t you getting paid more?
It’s all about positioning and perception.
Having a brand is more important than ever before in
this highly competitive world.
You need to have a brand is congruent and positions
you as an authority figure in your field of expertise.
Employers are only looking for #1 - not number 2 or 3...
So are you showing up as your best self?
WHY YOU SHOULD BE INVESTING
IN YOUR BRAND:
• Increase team dynamics within your
workplace.Understanding how to
increase your team’s performance
within the workplace.
• Strengthen your presentation skills.
Learn how to present to people, a
team and executives.
• Build a better rapport with internal and
external stake-holders.
• Develop succinct communication skills.
Learn how to communicate clearly and
to the point within your team and during
meetings.
• Improve your performance as a whole
within the workplace.
Watch yourself transform within the
workplace.
• Learn how to boost career
opportunities. Learn how to ask for
opportunities and recognise them
within the workforce.
• Improve on your influencing skills.
Learn how have influence members of
your team and executives.
WHAT A BRAND CAN DO
ACCELERATE YOUR CAREER FAST
MAXIMISE THE MONEY YOU MAKE
INFLUENCE STAKEHOLDERS AND CLIENTS
ATTRACT NEW CAREER OPPORTUNITIES
WHAT IS THE NEXT STEP?
Email us on admin@careerists.com.au or visit our website www.careerists.com.au
to book in a 20-minute consultation with our coaches now.
5 Ways
BUSINESS
STRATEGY
WILL CHANGE
BEFORE 2025
Companies that seemed to be
doing well before the pandemic
are gasping for air while those
lucky enough to have made their
digital transformation before Covid-19
have been prospering. In 2021, things
could be completely dierent -- especially
if the world can get Covid-19 under
control.
The current pandemic is the most
dramatic and powerful shift in the business
environment. Others -- such as rapidly
emerging technological innovations,
the growing power of social media to
inuence customer behavior, and the rapid
ow of private capital into aggressive
upstarts -- all require business leaders to
adapt very quickly.
The traditional approach to business
strategy -- the choices a leader makes
about where and how to compete in order
to achieve a company’s goals -- is not well
suited to this accelerated pace of change.
BUSINESS MATTERS
20 BUSINESS MATTERS
How so? Here are three key elements
of traditional strategic planning that are
simply too ponderous and bureaucratic
to generate valuable, actionable insights
quickly enough to get results:
• Business strategy is developed though
interdisciplinary business unit teams
working with outside consultants that
spend months gathering research and
assembling formal presentations.
• Steering committees of corporate
executives review interim presentations,
provide feedback, and send the
business unit teams back to rework
their presentations.
• Excessive quantication of unknown
future outcomes often leads to
strategic discussions that center on
debating nancial assumptions, which
delays strategic decisions.
To help your business adapt more
eectively as the pace of change
accelerates, here are ve ways business
strategy will be dierent in 2025.
1. ENVISION THE MOST POWERFUL
EXTERNAL FORCES THAT COULD
UPEND YOUR BUSINESS.
Forces outside of your company’s control
are changing rapidly. Some could benet
your business, some could slash its
revenue. Some could be irrelevant.
Leaders should operate a systematic
approach to forecasting which of these
evolving forces demand a change in
strategy. Simply put, this process will help
you reposition your company so that
powerful external forces become tailwinds,
rather than headwinds. By 2025, business
strategy will start with such a process.
But what would it look like? As I described
in Hungry Start-Up Strategy, the way
to do this is through a process I called
“boundaryless company development.”
Here, leaders set up listening posts
throughout their value networks -- the
chains of companies between raw
materials and consumers. Leaders pick up
weak signals, separate the signals from the
noise, and consider options for how best
to respond to the strongest signals.
2. UNDERSTAND HOW CURRENT
AND POTENTIAL CUSTOMERS’
PRIORITIES ARE CHANGING.
Current and potential customers are
generally the most important places to
listen for meaningful signals of change.
Business strategists should engage these
customers in a dialogue regarding their
most signicant concerns as they look
to the future and how external changes
could rejigger customer priorities.
These changing customer priorities
could set up a scramble for how your
company should respond. Do you need
to develop new products to meet those
new customer needs? Can you get
21
BUSINESS MATTERS
20 BUSINESS MATTERS
products to market quickly that will satisfy
customer needs more eectively than your
competitors?
By 2025, business strategy will be well-
equipped to enable your company to
answer such questions.
3. GENERATE DEEP INSIGHTS INTO
INCUMBENT AND FAST-GROWING
UPSTART CEOS’ STRATEGIC
MINDSETS.
Your company will most likely face
competition in seizing these growth
opportunities. You will need to size up
your competition quickly and accurately.
My soon-to-be-published book, Goliath
Strikes Back, describes three strategic
mindsets or ways that CEOs identify
and solve problems. Two such mindsets
-- “create the future” and “fast follower”
-- are likely to challenge your ability to
capture the growth. The customers of the
other one -- “head in the sand” -- could
be yours for the taking.
By 2025, business strategists will
be experienced at analyzing which
competitors have which strategic mindsets
-- and will be able to position themselves
appropriately.
4. REIMAGINE YOUR BUSINESS
STRATEGY TO TURN HEADWINDS
INTO TAILWINDS WHILE WINNING
ON EMERGING CUSTOMER
PRIORITIES.
Having gained useful insights about
emerging external forces, evolving
customer needs, and the strategic
mindset of competitors, business
leaders will need to make key choices to
reposition their company to capture the
opportunities and defend against the
threats.
These strategic choices -- such as
which customer groups to serve, which
customer needs to serve, what products
to oer, and how to perform key
activities such as product development,
manufacturing, and sales -- will be
made using traditional tools of business
strategy.
5. EMPOWER YOUR PEOPLE TO
SET PERFORMANCE METRICS TIED
TO THE REIMAGINED STRATEGY
AND HOLD THEM ACCOUNTABLE.
What will be dierent in 2025 is that CEOs
will treat their people like entrepreneurs,
giving them the power to gather these
insights, make strategic choices, and set
their own key performance indicators.
By 2025, CEOs will provide the resources
people need and hold them accountable
for achieving the goals.
These ve changes will accelerate the
competition for market share. Don’t get
left behind.
Sources by Inc. Magazine, Peter Cohan
BUSINESS MATTERS
22 BUSINESS MATTERS
Ghosted
By Your
So, you’ve applied for your dream
job. Waiting by the phone,
refreshing your inbox and hoping
to hear news about the interview,
only to be met with radio silence, is an
excruciating holding pattern.
14 yourcareermagazine.com
23
BUSINESS MATTERS
22 BUSINESS MATTERS
Recruiter?
15yourcareermagazine.com
Ghosted
By Your
So, you’ve applied for your dream
job. Waiting by the phone,
refreshing your inbox and hoping
to hear news about the interview,
only to be met with radio silence, is an
excruciating holding pattern.
14 yourcareermagazine.com
BUSINESS MATTERS
24 BUSINESS MATTERS
16 yourcareermagazine.com
Being ghosted by a recruiter can be an
excruciating experience. Here’s why it
happens, how to encourage a response,
and how to move forward with your
condence intact.
Although it doesn’t seem right, being
ghosted by a recruiter is a fairly common
part of the job-hunting process. HR
Professional Tanya Southey and Career
Coach and founder of Careerists Thai Ngo
share some insight to recruitment ghosting.
Tanya says a recruiter’s clients often change
what they are looking for, or decide to
remove the role altogether. Some will
tell you, but others won’t get around to
it. Recruitment is highly pressurised and
feedback usually falls far down the
priority list.
“As a former recruiter, I know sometimes
recruiters ghost because they are also
awaiting an answer from the client –
they are the middle man between the
company’s HR and the applicants,”
says Thai.
The recruiter may simply not have the time
to provide feedback to every applicant,
especially if there are a large number,
explains Thai.
He says that many recruiters aren’t
equipped or trained to provide
constructive and valuable feedback, so
may avoid this part of the process.
“A quick phone call is often your best
chance of getting the feedback you need
to move forward. Texting and emails are
easily overlooked,” Tanya says.
She suggests asking them for feedback
in a way that recruiters will nd dicult
to ignore. Perhaps let them know you are
trying to improve your job seeking game,
and ask if they wouldn’t mind taking the
time to suggest one thing you could
work on.
It’s easy to get caught up in visualising
yourself in the new role, especially if it’s
something you really want. Being ghosted
can denitely dent the condence,
especially if you felt the interview was
a success or you had put a lot of eort
into your application. Thai suggests you
frame your experience in a more positive
manner. Remember that most jobs have
many, many applicants, so if you’ve made
the interview stage, be proud of yourself
for that.
Tanya suggests making use of your
networks to help preserve your self-
esteem and condence. “If you have a
great mentor, or former colleagues that
can remind you of your strengths and help
you identify areas to work on, make use of
them and ask for feedback and support.”
If it happens several times or you start
to see a pattern, consider some one-on-
one time with a career coach. Relevant
experience and education is your step in
the door, says Thai, but it’s what you bring
to the table that makes you stand out from
the crowd in your interview that gets you
over the line. Most of us don’t know what
this is, so a career coach can help you
identify it.
Remember, if you have been ghosted, it
may be that the job changed or that you
missed out by a slither and your recruiter
is too swamped to let all the applicants
know. Don’t take it personally. Instead of
focussing on why you were ghosted, shift
your focus to how you can best stand out
for the next role.
25
BUSINESS MATTERS
24 BUSINESS MATTERS
If you have a great mentor,
or former colleagues that can
remind you of your strengths and
help you identify areas to work
on, make use of them and ask for
feedback and support.
“
“
16 yourcareermagazine.com
Being ghosted by a recruiter can be an
excruciating experience. Here’s why it
happens, how to encourage a response,
and how to move forward with your
condence intact.
Although it doesn’t seem right, being
ghosted by a recruiter is a fairly common
part of the job-hunting process. HR
Professional Tanya Southey and Career
Coach and founder of Careerists Thai Ngo
share some insight to recruitment ghosting.
Tanya says a recruiter’s clients often change
what they are looking for, or decide to
remove the role altogether. Some will
tell you, but others won’t get around to
it. Recruitment is highly pressurised and
feedback usually falls far down the
priority list.
“As a former recruiter, I know sometimes
recruiters ghost because they are also
awaiting an answer from the client –
they are the middle man between the
company’s HR and the applicants,”
says Thai.
The recruiter may simply not have the time
to provide feedback to every applicant,
especially if there are a large number,
explains Thai.
He says that many recruiters aren’t
equipped or trained to provide
constructive and valuable feedback, so
may avoid this part of the process.
“A quick phone call is often your best
chance of getting the feedback you need
to move forward. Texting and emails are
easily overlooked,” Tanya says.
She suggests asking them for feedback
in a way that recruiters will nd dicult
to ignore. Perhaps let them know you are
trying to improve your job seeking game,
and ask if they wouldn’t mind taking the
time to suggest one thing you could
work on.
It’s easy to get caught up in visualising
yourself in the new role, especially if it’s
something you really want. Being ghosted
can denitely dent the condence,
especially if you felt the interview was
a success or you had put a lot of eort
into your application. Thai suggests you
frame your experience in a more positive
manner. Remember that most jobs have
many, many applicants, so if you’ve made
the interview stage, be proud of yourself
for that.
Tanya suggests making use of your
networks to help preserve your self-
esteem and condence. “If you have a
great mentor, or former colleagues that
can remind you of your strengths and help
you identify areas to work on, make use of
them and ask for feedback and support.”
If it happens several times or you start
to see a pattern, consider some one-on-
one time with a career coach. Relevant
experience and education is your step in
the door, says Thai, but it’s what you bring
to the table that makes you stand out from
the crowd in your interview that gets you
over the line. Most of us don’t know what
this is, so a career coach can help you
identify it.
Remember, if you have been ghosted, it
may be that the job changed or that you
missed out by a slither and your recruiter
is too swamped to let all the applicants
know. Don’t take it personally. Instead of
focussing on why you were ghosted, shift
your focus to how you can best stand out
for the next role.
BUSINESS MATTERS
26 BUSINESS MATTERS
7
Ways To Supercharge
Your Strengths To
Get Ahead Professionally
Let’s face it: we aren’t good at
everything. Particularly at the
workplace, we feel pressured to be
the best at everything—to have skills
and strengths in every aspect of the job
and hide our weaknesses. Not only is that
such a false sense of self, it’s extremely out
of touch with reality.
While weaknesses have their own
advantages, it’s much more productive to
focus on the things we’re strongest at and
seek ways to maximize or supercharge
those strengths. There are a few ways we
can do this eectively:
1 | Figure out your perceived
strengths vs. actual strengths.
The truth is, what we believe our strengths
to be may hover on wishful thinking,
so when it comes to supercharging our
strengths, it’s important to know where we
truly are strongest, not just where we think
we excel.
A great way to gure out your strengths is
by taking personality tests. Tests like those
from Myers Briggs or Talent Dynamics
break your personality down to analyze
your strengths and weaknesses in social
or intimate relationships, in your workow,
and in your values and mindsets, among
other areas. They’re a great way to
determine how you work best and are a
starting point if you’re unsure of your own
strengths.
2 | Get feedback…and use it.
Feedback is essential for development,
because we all have blind spots. We miss
certain characteristics in ourselves because
we either don’t want to see them or simply
can’t. A lot of people mistake feedback for
negative criticism, but while many assume
their bosses or co-workers only notice
weaknesses, the fact is that many can also
point out strengths.
And if a boss or co-worker gives
you negative feedback, use it as an
opportunity. Because it is an opportunity—
to analyze what you perceive your
strengths to be and to improve.
Become a master of asking for feedback,
from multiple sources, and of using it to
supercharge your strengths and improve
upon your weaknesses.
27
BUSINESS MATTERS
26 BUSINESS MATTERS
7Ways To Supercharge
Your Strengths To
Get Ahead Professionally
Let’s face it: we aren’t good at
everything. Particularly at the
workplace, we feel pressured to be
the best at everything—to have skills
and strengths in every aspect of the job
and hide our weaknesses. Not only is that
such a false sense of self, it’s extremely out
of touch with reality.
While weaknesses have their own
advantages, it’s much more productive to
focus on the things we’re strongest at and
seek ways to maximize or supercharge
those strengths. There are a few ways we
can do this eectively:
1 | Figure out your perceived
strengths vs. actual strengths.
The truth is, what we believe our strengths
to be may hover on wishful thinking,
so when it comes to supercharging our
strengths, it’s important to know where we
truly are strongest, not just where we think
we excel.
A great way to gure out your strengths is
by taking personality tests. Tests like those
from Myers Briggs or Talent Dynamics
break your personality down to analyze
your strengths and weaknesses in social
or intimate relationships, in your workow,
and in your values and mindsets, among
other areas. They’re a great way to
determine how you work best and are a
starting point if you’re unsure of your own
strengths.
2 | Get feedback…and use it.
Feedback is essential for development,
because we all have blind spots. We miss
certain characteristics in ourselves because
we either don’t want to see them or simply
can’t. A lot of people mistake feedback for
negative criticism, but while many assume
their bosses or co-workers only notice
weaknesses, the fact is that many can also
point out strengths.
And if a boss or co-worker gives
you negative feedback, use it as an
opportunity. Because it is an opportunity—
to analyze what you perceive your
strengths to be and to improve.
Become a master of asking for feedback,
from multiple sources, and of using it to
supercharge your strengths and improve
upon your weaknesses.
3 | Keep a success journal.
When we think about success, we often
regard it in terms of a long-term goal or
a major accomplishment. But big wins are
rare and making note of the little victories
is just as important. Try jotting down your
little wins in a success journal on a daily
basis and watch how this act boosts your
self-condence and performance.
4| Accelerate your learning.
Strength means nothing without practice.
Playing to your strengths isn’t necessarily
about doing something automatic. There
may be an element of that, but strengths
need to be cultivated so they can remain
as strengths. Make sure you are exercising
your strengths and nding ways to
improve upon them even more by joining
a professional organisation, meeting with
colleagues, or reading trade magazines
to keep up to date on industry trends and
issues. Find ways your strengths can propel
you into new areas and opportunities.
5| Develop your sense of style.
If you thought for one minute fashion was
only material, think again. The way you
dress not only impacts how others perceive
you, it changes the way you see yourself.
There is a direct correlation between how
you dress and how you feel. Make sure to
show up dressed for a role you want to be
in or the way you want to be perceived.
And less literally about style, develop your
personal style within the skills. You don’t
have to follow the status quo to a tee to be
successful. If you work with a certain air,
keep doing it. Maintaining a personal spin
on a particular skill with help strengthen it
even more and make others notice it
as well.
6 | Master the two most important
body language signals.
No matter how badly we wish it, success
isn’t only measured on how well you can
perform a task. It’s also measured on how
others perceive you performing the task.
You could be the best salesman in your
oce while out in the eld, winning the
pitches you are given, but if you are coy
and seemingly small within the oce you
may not be given as many opportunities
as you deserve.
There are two sets of non-verbal signals
bosses and co-workers are constantly
evaluating you based on. The rst conveys
empathy, likeability, and warmth. The
nonverbal cues include smiles, positive eye
contact, open palm gestures, and giving
people your undivided attention. The
second set sends signals of status, power,
and authority. These cues are displayed
through posture—standing with your feet
hip distance apart, head straight, and
shoulders back, and by empathetic hand
gestures, typically around waist level.
When you project both empathy and
power cues, you have a winning combo
for being perceived as condent, capable,
and caring – a dynamite combo for
creating a positive impact.
26 yourcareermagazine.com
BUSINESS MATTERS
28 BUSINESS MATTERS
7 | Play the violin.
Not literally…but when asked how to
become a better leader, management
expert Peter Drucker replied, “Learn to
play the violin.” People with interests
beyond their profession are more resilient
under pressure and more eective on the
job. Maybe you like art or sports, or you
enjoy socialising with friends and family.
Regardless of the interests, you deal better
with work-related challenges when your
life includes a healthy counterbalance.
What Happens When You
Embrace Your Weaknesses?
Back to those weaknesses. Knowing we
aren’t good at everything doesn’t make
accepting our weaknesses any easier.
There are several things that make it
dicult to recognize our weaknesses—
pride, low self-esteem, or the fear you
aren’t good enough, for example. Or you
may think you’re great at something until
the truth punches you in the face. But
there are some truly amazing things that
happen when we begin to embrace our
weaknesses instead of avoiding them.
You’ll unlock great opportunity.
Embracing your weaknesses is the only
way to work on them. For example—low
self-esteem may be holding you back
from success and happiness. By taking
responsibility, it could produce several
positive changes and unlock a hidden
potential you hadn’t yet tapped into.
You’ll uncover fears. Are you really
bad at this particular thing or are you just
scared of doing it?
You’ll reduce your ego. Pride often
stops us from fully acknowledging our
aws. We’re afraid of being seen as weak.
By learning to embrace your aws, you’ll
reduce your ego. You’ll be happier with
yourself, which will allow you to stop being
defensive and take criticism without feeling
hurt.
You’ll develop self-compassion.
Have you ever felt inadequate because
of a weakness? You aren’t alone. There
are probably a million other people with
the same weakness. Stop beating
yourself up over it. It’s OK.
You’ll accept help from others. By
embracing your weaknesses, you can
welcome help and input from others
without going on the defense. Own your
weaknesses and see others as part of your
growth instead of potential threats.
You’ll build deeper and more
meaningful connections with people.
People appreciate when you can show
vulnerability—it’s a sign of authenticity and
courage. Embracing your own weaknesses
will make others feel comfortable doing
the same with you.
27yourcareermagazine.com
29
BUSINESS MATTERS
28 BUSINESS MATTERS
7 | Play the violin.
Not literally…but when asked how to
become a better leader, management
expert Peter Drucker replied, “Learn to
play the violin.” People with interests
beyond their profession are more resilient
under pressure and more eective on the
job. Maybe you like art or sports, or you
enjoy socialising with friends and family.
Regardless of the interests, you deal better
with work-related challenges when your
life includes a healthy counterbalance.
What Happens When You
Embrace Your Weaknesses?
Back to those weaknesses. Knowing we
aren’t good at everything doesn’t make
accepting our weaknesses any easier.
There are several things that make it
dicult to recognize our weaknesses—
pride, low self-esteem, or the fear you
aren’t good enough, for example. Or you
may think you’re great at something until
the truth punches you in the face. But
there are some truly amazing things that
happen when we begin to embrace our
weaknesses instead of avoiding them.
You’ll unlock great opportunity.
Embracing your weaknesses is the only
way to work on them. For example—low
self-esteem may be holding you back
from success and happiness. By taking
responsibility, it could produce several
positive changes and unlock a hidden
potential you hadn’t yet tapped into.
You’ll uncover fears. Are you really
bad at this particular thing or are you just
scared of doing it?
You’ll reduce your ego. Pride often
stops us from fully acknowledging our
aws. We’re afraid of being seen as weak.
By learning to embrace your aws, you’ll
reduce your ego. You’ll be happier with
yourself, which will allow you to stop being
defensive and take criticism without feeling
hurt.
You’ll develop self-compassion.
Have you ever felt inadequate because
of a weakness? You aren’t alone. There
are probably a million other people with
the same weakness. Stop beating
yourself up over it. It’s OK.
You’ll accept help from others. By
embracing your weaknesses, you can
welcome help and input from others
without going on the defense. Own your
weaknesses and see others as part of your
growth instead of potential threats.
You’ll build deeper and more
meaningful connections with people.
People appreciate when you can show
vulnerability—it’s a sign of authenticity and
courage. Embracing your own weaknesses
will make others feel comfortable doing
the same with you.
27yourcareermagazine.com
2 yourcareermagazine.com
BUSINESS MATTERS
30 BUSINESS MATTERS
30 yourcareermagazine.com
Is Artificial
Intelligence
Changing The Employment Landscape?
Artificial Intelligence (AI) is here to
stay, and like it or not, it will change
the landscape for job opportunities in
the future.
31yourcareermagazine.com
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BUSINESS MATTERS
30 BUSINESS MATTERS
30 yourcareermagazine.com
Is Artificial
Intelligence
Changing The Employment Landscape?
Artificial Intelligence (AI) is here to
stay, and like it or not, it will change
the landscape for job opportunities in
the future.
31yourcareermagazine.com
BUSINESS MATTERS
32 BUSINESS MATTERS
A
I refers to ‘intelligence’
demonstrated by machines. This
is more than just automation
of processes, but the ability of
machines to mimic cognitive functions such
as learning and problem solving.
Automation has been developing over
decades, allowing increasingly complex
data to be matched and processed without
the need for humans. Just think how many
transactions you complete with a barcode,
microchip or smartphone. The key feature
of automation is matching data – whether
that’s order taking, payment processing or
using your past purchases to predict your
future needs and send you special oers.
All of these processes were previously
human activities, which have now been
replaced by machines.
This doesn’t always equate to human jobs
being lost. Online shopping may have
taken away jobs in stores, but has created
many more in logistics and customer
delivery. The perceived threat of articial
intelligence is that as technology develops
and machines can ‘think’ like humans, the
need for humans will decrease. A common
concern is why pay a human, with needs,
emotions and legal work hours and risk
of human error, when you can use a
machine?
The increasing ability of machines and
robots will absolutely take away the need
for humans in specic roles, but it will
also create new roles. Typically the types
of work being replaced with AI are not
the most interesting – largely collecting,
matching, reconciling and analysing data.
But humans are needed to identify which
processes can be replaced with AI. This
requires both technical skills and creativity.
Next humans are needed to build and
code the machines to be able to perform
the tasks required. This requires roles such
as systems architects, business analysts
and testers. More people are required to
maintain the machines and ensure they are
doing what was expected, while others will
monitor the cost benets of the machines.
Finally, with any automated process,
people are the back up plan. If you have
gone through automated passport control
or bought your groceries at a self service
kiosk, you will know there are always
people on hand to step in with human
solutions. Machines are not capable of
stepping in with empathy or advice where
there is system or user error.
32 yourcareermagazine.com
33
BUSINESS MATTERS
32 BUSINESS MATTERS
AI refers to ‘intelligence’
demonstrated by machines. This
is more than just automation
of processes, but the ability of
machines to mimic cognitive functions such
as learning and problem solving.
Automation has been developing over
decades, allowing increasingly complex
data to be matched and processed without
the need for humans. Just think how many
transactions you complete with a barcode,
microchip or smartphone. The key feature
of automation is matching data – whether
that’s order taking, payment processing or
using your past purchases to predict your
future needs and send you special oers.
All of these processes were previously
human activities, which have now been
replaced by machines.
This doesn’t always equate to human jobs
being lost. Online shopping may have
taken away jobs in stores, but has created
many more in logistics and customer
delivery. The perceived threat of articial
intelligence is that as technology develops
and machines can ‘think’ like humans, the
need for humans will decrease. A common
concern is why pay a human, with needs,
emotions and legal work hours and risk
of human error, when you can use a
machine?
The increasing ability of machines and
robots will absolutely take away the need
for humans in specic roles, but it will
also create new roles. Typically the types
of work being replaced with AI are not
the most interesting – largely collecting,
matching, reconciling and analysing data.
But humans are needed to identify which
processes can be replaced with AI. This
requires both technical skills and creativity.
Next humans are needed to build and
code the machines to be able to perform
the tasks required. This requires roles such
as systems architects, business analysts
and testers. More people are required to
maintain the machines and ensure they are
doing what was expected, while others will
monitor the cost benets of the machines.
Finally, with any automated process,
people are the back up plan. If you have
gone through automated passport control
or bought your groceries at a self service
kiosk, you will know there are always
people on hand to step in with human
solutions. Machines are not capable of
stepping in with empathy or advice where
there is system or user error.
32 yourcareermagazine.com
If you’re concerned about career options in
a world that’s changing with AI, you have
two options to future proof your career.
You can embrace AI and choose to work
with it, as a developer, engineer, coder,
or analyst. Alternatively, you can look for
industries that will be less aected, such as,
anything requiring creativity or industries
related to personal care, such as medical
services, aged care, childcare or teaching.
AI’s strength is its ability to quickly gather
and analyse huge quantities of data to
be able to make decisions. At times that
decision is being fed into an automated
process (for example to determine the
use of machinery, ensuring accurate
measurements and safe practices).
However, the data is used to support
humans in making decisions. Leaders will
still rely on their innate skills, knowledge
and experience to make decisions, but
are also able to source rapid and accurate
information. AI will leverage a human’s
ability to perform tasks, not entirely replace
them.
A challenge is emerging in some elds,
such as accounting, where tasks such
as data collection and reconciliation,
historically formed the basis of entry level
roles. Employees would build skills from
these roles, such as analysis and reporting,
which enabled them to climb the career
ladder. Having these ‘junior tasks’ replaced
by machines requires employees to start
their careers using higher level skills
without having gained practical experience
in the traditional junior roles. This is a
challenge that organisations will need to
be prepared for as the next generation of
graduates start their careers.
33yourcareermagazine.com
BUSINESS MATTERS
34 BUSINESS MATTERS
Banks are best for small-business
loans if your company has been
around more than a year and
doesn’t need cash fast. Approvals
can take months and are far from a sure
thing — even with good credit.
Banks approve only about 13% of business
loan applications, according to the latest
data from the Biz2Credit Small Business
Lending Index. That means the right bank
for you not only oers the type of business
loan you need, but also funds enough
loans to make nancing possible.
Here are the best banks for small-business
loans based on their commercial and
industrial lending volume and product
oerings, as well as alternative options to
consider.
1. Bank of America
Bank of America had the most commercial
and industrial loans among banks as
of September 2020 — surpassing the
next closest lender by almost $100
billion, according to S&P Global Market
Intelligence.
Bank of America business loans are a good
choice if you value rewards. By meeting
certain account requirements, you can
qualify for interest rate discounts, no
fees on wire transfers and other benets.
Bank of America may also make sense
for veterans and service members, as
it oers them a 25% discount on loan
administration or origination fees.
Bank of America is currently not processing
new applications for unsecured business
loans as it prioritizes the Paycheck
Protection Program.
6 BEST BANKS
FOR SMALL-BUSINESS
LOANS IN 2021
35
BUSINESS MATTERS
34 BUSINESS MATTERS
Term loans. Bank of America oers both
xed-rate secured and unsecured term
loans. Its secured loan requires greater
annual revenue: $250,000 versus $100,000
for the unsecured option. But it oers
higher borrowing limits — up to $250,000
— and a potentially lower interest rate.
Both business loans require at least two
years in business and can have repayment
terms of up to ve years, which is less than
other banks may oer.
Business lines of credit. Bank of America
also oers secured and unsecured business
lines of credit, with the same revenue
requirements as its term loans. The
secured line of credit comes with additional
borrowing power — starting at $25,000
compared with $10,000 for the unsecured
option. There is no set borrowing
maximum. Both have revolving terms,
meaning you use the money as needed,
that renew annually.
SBA loans. Bank of America is a preferred
Small Business Administration lender, but
it is less active in issuing SBA loans. For
example, Wells Fargo and U.S. Bank lend
more 7(a) loans — the most common type
of SBA funding.
Other business loans. Bank of America
oers business auto loans starting at
$10,000. The bank also has commercial
real estate loans and equipment loans,
which both start at $25,000.
2. JPMorgan Chase
Chase oers products for small-business
owners, including checking accounts and
credit cards. Chase business loans include:
Term loans. Chase oers xed- and
adjustable-rate loans starting at $5,000,
which is less than lenders like Bank of
America or PNC Bank. Repayment terms
can last from one to seven years.
BUSINESS MATTERS
36 BUSINESS MATTERS
Business lines of credit. Chase has business
and commercial lines of credit. Its business
line of credit provides $10,000 to $500,000
in funding on a renewable ve-year
revolving term. The commercial line is
$500,000 and up, with one- to two-year
terms that may be renewed.
SBA loans. Chase is an SBA-preferred
lender and funds multiple types of SBA
loans. That includes SBA Express loans and
credit lines, which oer faster funding of up
to $350,000.
Other business loans. Chase has multiple
equipment loans with xed or variable
rates, terms up to seven years (or up to
75% of the equipment’s estimated useful
life) and up to 10% included for soft costs
— such as shipping and installation. Loans
start at $10,000. Its commercial real estate
loans are also xed or variable and start at
$50,000, with terms of up to seven or 10
years.
3. Citibank
Citibank may be better known among
entrepreneurs for its small-business credit
cards. But the bank also oers business
loans — though it has fewer products
than other lenders. You might prefer that
simplicity, but it also means you may want
to consider other lenders if Citi doesn’t
advertise the kind of loan you want.
Term loans. Citibank’s term loan ranges
from $5,000 to $3 million. Interest rates
are xed, terms last up to seven years and
loans require a personal guarantee. Citi
doesn’t oer an equipment loan, but term
loans can be used for this purpose.
Business lines of credit. Citibank oers
two business lines of credit, with amounts
ranging from $10,000 to $3 million. Both
lines come with variable interest rates and
revolving terms and require a personal
guarantee.
4. Wells Fargo
Wells Fargo discontinued its term loan
products, including Equipment Express
loans, in 2021. However, the bank still oers
other types of small-business nancing and
multiple types of lines of credit.
Wells Fargo’s lending maximums are
less than some banks, so consider other
options if you have collateral and need
more than $500,000 in nancing.
Business lines of credit. Wells Fargo has
three dierent lines of credit — one
unsecured and two secured by collateral
— ranging from $5,000 to $500,000. Credit
lines of up to $100,000 have variable rates
and are revolving. Those greater than
$100,000 have a one-year term. You’ll
typically need at least $2 million to $5
million in annual sales to qualify for Wells
Fargo’s most generous business line of
credit. Fees vary by product.
SBA loans. Wells Fargo is one of the most
active SBA loan lenders. As of September
2020, it had approved more than $114
million in SBA 7(a) loans in the 2020
scal year — the most among traditional
national banks.
Other business loans. Wells Fargo oers
semi-truck nancing, commercial real
estate purchase loans and equity nancing,
as well as specic products for starting or
buying a medical practice.
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BUSINESS MATTERS
36 BUSINESS MATTERS
BUSINESS MATTERS
38 BUSINESS MATTERS
5. PNC
PNC’s business loans are best for more
mature businesses. You generally need to
have been in business for at least three
years to qualify, which is longer than other
banks may require.
Term loans. PNC oers $20,000 to $100,000
for unsecured term loans and $100,001 to
$3 million for loans secured by collateral.
Unsecured loans come with a xed interest
rate and terms of up to ve years, whereas
rates on secured loans can be xed or
variable and terms can last up to seven
years.
Business lines of credit. The amounts for
PNC’s lines of credit mirror the bank’s term
loans, with unsecured options ranging from
$20,000 to $100,000 and secured options
from $100,001 to $3 million. Both have
variable interest rates and revolving terms.
The unsecured line has an annual fee of
$175, while the secured line charges 0.25%
of the committed line amount.
SBA loans. PNC is a preferred SBA lender,
but the bank is less active than others
issuing these loans.
Other business loans. PNC business auto
loans range from $10,000 to $250,000
with repayment terms up to six years.
The bank’s commercial real estate loans
come with xed or variable interest rates,
repayment terms up to 10 years and
nancing amounts from $100,001 to $3
million.
6. U.S. Bank
U.S. Bank has fewer locations than other
brick-and-mortar banks, including Bank
of America and Wells Fargo. But if there’s
a branch near you, U.S. Bank may be a
good choice for startups with collateral,
as you may be able to qualify for an SBA
loan with less than a year in business.
Term loans. U.S. Bank oers xed-rate,
secured term loans of up to $1 million.
It doesn’t have an unsecured business
loan. If you need fast access to working
capital, the bank has a quicker version of
its term loan product. The Quick Loan has
a lower borrowing maximum ($250,000)
but a faster application process. It’s best
for companies in business for at least two
years.
Business lines of credit. U.S. Bank’s
business line of credit also goes up to $1
million and has an interest-only payment
option. The bank’s revolving line of credit,
called CashFlow Manager, goes up to
$250,000 and is for companies that have
been in business for at least two years.
That product has a $150 annual fee if the
line or credit is less than $50,000.
SBA loans. U.S. Bank may be another
good choice if you’re in the market for
an SBA loan. As of September 2020, it
had approved the second-most 7(a) loan
applications in the 2020 scal year.
Other business loans. U.S. Bank oers
equipment loans of up to $500,000, and
soft costs of up to 25% can be included.
The bank has xed- and variable-rate
commercial real estate loans of up to $10
million with ve-, 10- or 15-year repayment
terms, with amortizations up to 25 years.
Sourced by Nerd Wallet
39
BUSINESS MATTERS
38 BUSINESS MATTERS
Harne Energy Into Action
Cham Tang:
Setbacks happen; we all
experience obstacles in our
daily lives and career journeys.
You don’t get the promotion
you were hoping for, you can’t nd a
parking spot on a day you’re already
running late, or you nd yourself
stuck in a job you don’t love. While
frustrating, it’s all normal.
Unfortunately, normality doesn’t mean
the feeling of failure or discouragement
will disappear. We spoke with Head of
Marketing and Managing Director with
Authentic Education, Cham Tang, about
moving forward after professional
failure.
In his role, Cham is able to help people
make a dierence and earn a living
doing what they love, which usually
involves starting a business in the elds
of coaching, consulting, or speaking.
“I also educate our clients on how to
get a 500% return on every marketing
dollar they spend using strategies that
have worked for us, like Facebook ads,
social media, Google searches, and
running live events,” Cham says. “I do
this by running live workshops such as
‘Marketing Your Message’ as well as
online programs.”
And while he has it gured out now, it
wasn’t always that way. Cham made a
few career mistakes along the way and
didn’t utilize his skills or passions in
previous jobs.
“I got my rst job at 15 years old
working at McDonald’s,” Cham told us,
“In high school, I got a TER of 49.45 and
couldn’t really do much with that mark.”
“I was lost in my career, so I got a job
at NAB as a voucher clerk. I didn’t
love it, but decided to back it up with
37yourcareermagazine.com
BUSINESS MATTERS
40 BUSINESS MATTERS
another job at St. George Bank as a
voucher clerk. Then, I studied computer
science and got a job as a computer
programmer, but didn’t really feel I was
utilizing my full potential.”
And, like many of us, he turned to
personal development books for a
boost of inspiration and worthiness.
“My friend lent me ‘Rich Dad, Poor
Dad. The book said if you want to
create wealth, then you should create a
business and that the most important
thing is sales and marketing.”
But Cham didn’t want to sell just
anything; he wanted to sell something
he believed in. “At the time, I was
into Tony Robbins, so I headhunted
the company that promoted him in
Australia and asked for a sales job.”
“Two years later, I decided to learn
something I enjoyed for the sake of it,
not for the end result. I got a Cert IV in
Personal Training and did that for a year
until I realized I didn’t like starting at
6am and working until 8pm with huge
gaps in between,” he continued.
“I got a job as a Business Development
Manager at a personal development
company, and that’s when I met
Benjamin J. Harvey. After about a year
of knowing him, we decided to form
Authentic Education.”
While Cham’s story is encouraging that
we all can nd a career that we love and
are passionate about, it’s important to
remember the setbacks are a normal
part of the journey. Instead of trying to
avoid them, we should embrace them.
Here are his 5 tips for moving forward
after a professional failure:
1. You win, or you learn – “I don’t
see ‘failure,’ I see a lesson. In fact, most
of my biggest lessons in life or business
have come just after a failure or bad
event in my life. So if that’s happening,
get excited, because good things are
coming your way!”
2. Think long-term – “When I was
at McDonald’s, I realized the person
who only thinks about the next hour
gets paid $5 an hour (that was me). The
store manager focuses on today, and he
gets paid a little more. The CEO thinks
about the next 10 years, and he gets
38 yourcareermagazine.com
41
BUSINESS MATTERS
40 BUSINESS MATTERS
another job at St. George Bank as a
voucher clerk. Then, I studied computer
science and got a job as a computer
programmer, but didn’t really feel I was
utilizing my full potential.”
And, like many of us, he turned to
personal development books for a
boost of inspiration and worthiness.
“My friend lent me ‘Rich Dad, Poor
Dad. The book said if you want to
create wealth, then you should create a
business and that the most important
thing is sales and marketing.”
But Cham didn’t want to sell just
anything; he wanted to sell something
he believed in. “At the time, I was
into Tony Robbins, so I headhunted
the company that promoted him in
Australia and asked for a sales job.”
“Two years later, I decided to learn
something I enjoyed for the sake of it,
not for the end result. I got a Cert IV in
Personal Training and did that for a year
until I realized I didn’t like starting at
6am and working until 8pm with huge
gaps in between,” he continued.
“I got a job as a Business Development
Manager at a personal development
company, and that’s when I met
Benjamin J. Harvey. After about a year
of knowing him, we decided to form
Authentic Education.”
While Cham’s story is encouraging that
we all can nd a career that we love and
are passionate about, it’s important to
remember the setbacks are a normal
part of the journey. Instead of trying to
avoid them, we should embrace them.
Here are his 5 tips for moving forward
after a professional failure:
1. You win, or you learn – “I don’t
see ‘failure,’ I see a lesson. In fact, most
of my biggest lessons in life or business
have come just after a failure or bad
event in my life. So if that’s happening,
get excited, because good things are
coming your way!”
2. Think long-term – “When I was
at McDonald’s, I realized the person
who only thinks about the next hour
gets paid $5 an hour (that was me). The
store manager focuses on today, and he
gets paid a little more. The CEO thinks
about the next 10 years, and he gets
38 yourcareermagazine.com
paid the most. The point is that failure
is temporary. If you change your focus
to next month or next year, you’ll feel
better and be more successful.”
3. It builds character – “The deeper
your downfall, the stronger your
foundation of success (as long as you
learn from it). It helps create a humble
and well-rounded person and also
makes for a great story! Nobody really
resonates with someone that has never
had a setback before. So you’ll become
a better communicator, manager,
and leader.”
4. Become fearless – “I believe
many people make decisions based on
‘What if I fail?,’ ‘What will people think
of me?,’ ‘What if I look stupid?” All of
these things boil down to fear. When I
started public speaking, I’d think “What
if I forget what to say and look stupid?”
It’s happened a few times, and once I
even tripped on stage! Once it happens,
you realize it’s not so bad, so you are
no longer afraid of it. When you’re
not afraid of that anymore, you’ll have
much more condence.”
5. Harness the energy into
action – “You have a lot of motivation
and energy when a failure occurs. Use it
to your advantage. It’s an opportunity
to make big decisions you’ve been
putting o, dream big, or take swift
action and get swift results.”
authentic.com.au
39yourcareermagazine.com
BUSINESS MATTERS
42 BUSINESS MATTERS
ARE YOU A Leader
OR A Manager?
BY IRIS DU
There are so many books and information
out there that you can learn to be an
eective leader, but whether you can
apply it to your leadership style or not is a
dierent story.
I have been in a management role for
over 16 years and it took me a good 7 to
8 years to really understand the dierence
between telling people what to do and
showing them what to do. One of the
most important lessons any leader will
learn is that even though we’re leaders,
we can still fall back to being a manager
and just think of short-term goals only.
At this point, you might be questioning,
what is the dierence? Aren’t leaders and
managers the same?
Most leaders create visions, are self-
aware and work actively to build their
dierentiated personal brand. They are
also willing to take risks and try new
things. Leaders have long-term intentions.
And most importantly, leaders focus on
people, they build loyalty and trust by
delivering what they promise.
On the other hand, most managers focus
on setting and measuring goals only.
They establish their authority by telling
their team what and how to do things.
They want everyone to follow the rules.
Managers sometimes come across as
micromanagers because they want to be
in control of everything and at the end of
the day, the team members end up not
43yourcareermagazine.com
ARE YOU A Leader
OR A Manager?
BY IRIS DU
43
BUSINESS MATTERS
42 BUSINESS MATTERS
ARE YOU A Leader
OR A Manager?
BY IRIS DU
There are so many books and information
out there that you can learn to be an
eective leader, but whether you can
apply it to your leadership style or not is a
dierent story.
I have been in a management role for
over 16 years and it took me a good 7 to
8 years to really understand the dierence
between telling people what to do and
showing them what to do. One of the
most important lessons any leader will
learn is that even though we’re leaders,
we can still fall back to being a manager
and just think of short-term goals only.
At this point, you might be questioning,
what is the dierence? Aren’t leaders and
managers the same?
Most leaders create visions, are self-
aware and work actively to build their
dierentiated personal brand. They are
also willing to take risks and try new
things. Leaders have long-term intentions.
And most importantly, leaders focus on
people, they build loyalty and trust by
delivering what they promise.
On the other hand, most managers focus
on setting and measuring goals only.
They establish their authority by telling
their team what and how to do things.
They want everyone to follow the rules.
Managers sometimes come across as
micromanagers because they want to be
in control of everything and at the end of
the day, the team members end up not
43yourcareermagazine.com
feeling inspired and motivated to do the
job as they don’t understand the ‘why’
and they don’t feel like their voices have
been heard.
It is certainly a life long journey to
constantly learning how to become a
better version of yourself - a conscious
leader. And in order for you to do it,
sometimes you have to learn how to pick
up those little bad habits of you falling
back to being a manager again.
Here are 3 possible mistakes you can
easily make when in a leadership position
and some useful tips you can follow to
give you leverage in this area.
1. LACK OF SELF-
AWARENESS
As human beings, we don’t want to fault
ourselves and we feel uncomfortable
taking on feedback. I realise this is
probably the most important thing that all
of us need to improve on, especially for
leaders.
Nobody is perfect. And it is essential
to understand that there is a constant
journey of building your self-awareness.
It still amazes me how I come across a
lot of people that are condent that they
think they know what is resilience and
self-awareness. But there is a dierence
between expectation and reality. We
all need to have a high level of self-
awareness, it is a skill we constantly need
in order to level up.
44 yourcareermagazine.com
BUSINESS MATTERS
44 BUSINESS MATTERS
Even for the most successful executives,
sometimes they still fail to communicate
eectively with their team members and
team leaders.
Tip: Establish a circle of trust and regularly
have an honest two-way feedback session
with your team members. As much as
you love to give them feedback, allow
them to also give you feedback. The more
transparent you are, the better results you
can deliver to the business.
Reminder: It is a leader’s responsibility
to understand how to give feedback to
individuals. While some people love to
take on feedback, others might not take it
really well. ‘Sandwich feedback techniques’
are often used in giving constructive
feedback sessions. But once you come
from a place of love, it makes it easier for
others to take it all in.
2. LACK OF SELF-
IMPROVEMENT
When I came to Australia at the age of 15
by myself, I didn’t have any guidance or
support. And so I had to learn how to be
resilient on my own and I’ve learnt in a
very hard way. The reason was that I didn’t
have a mentor or a coach that would
guide me through, and most certainly I
didn’t even know I could do that.
It is undeniable that there is so much
information out there, but what we are
missing is, we don’t have direction. Each
and every one of us are so eager to learn
many dierent things, but we don’t realise
that we need to learn and understand
about ourselves rst.
You can’t lead others better if you can’t
lead yourself. You can’t understand
others if you can’t understand yourself.
Most importantly, you can’t love and
support others if you can’t love yourself.
Leadership is all about Self-Awareness,
Self-Discipline and Self-Mastery.
Tip: If you want to fast-track your career
and better yourself, get yourself a coach
or a mentor, because you don’t know
what you don’t know. Your coach or
mentor, they have walked your path and
they will know exactly what you need to
do to get there.
Reminder: Understanding yourself is a
forever learning journey. Some people
take months to gure out and others take
years. Once you think you’ve got it, it’s
just a new beginning at the next level. So
just enjoy the ride.
3. LACK OF PURPOSE
Everyone has their purpose before
they start to do something. Being in a
leadership position for so many years
now, I realise it’s not always about your
ability to be a leader, but also about the
reason why you are a leader.
If you are just simply seeking power and
money because it makes you feel good,
then I can tell you right now that you are
here for the wrong reasons.
Having the ability to understand
yourself is essential, but being able to
communicate with your team members is
also needed.
45yourcareermagazine.com
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BUSINESS MATTERS
44 BUSINESS MATTERS
It is important to keep in mind that you
have a team with many dierent proles
and in order to have a good team
performance, you need to be able to have
dierent approaches as well.
When you are willing to understand your
team members, and willing to overcome
all the challenges that you are having then
you can start identifying your purpose.
Tip: You need to start asking better
questions and you need to be an active
listener. Listen like your life depends on it.
Reminder: Leader is not a label. There is a
lot of responsibility involved.
Whether you have been in a leadership
position for a long period of time or you
just started yesterday, it’s important to
understand that it is a long journey of
learning and you are constantly evolving.
There is always room for improvement in
everything, especially yourself. If you are
working with a team, allow them to give
their feedback to you, and then in return
they’ll accept your feedback. This way, not
only you can learn from your team, but
you will also learn about yourself at the
same time.
It is also crucial to discover about your
personalities as much as you can. In order
to lead a team, you need to be able
to lead yourself rst. There are several
tools that actually provide you a broad
understanding of your personality prole,
identifying your strengths and weaknesses.
However, having your personality prole
done without a coach to guide you
through can confuse you. So ensure to
have someone coach you through what
your personality prole actual means.
Being a Self-Discovery Coach for a while
now, I’ve helped hundreds of people to
realise their strengths and weaknesses.
And from there, they have a leverage to
fasten goals and objectives.
Great leaders will denitely make the
greatest impact on lives and in the
workforce. Understand what motivates
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How to
Avoid the
3pm Slump
BUSINESS MATTERS
46 BUSINESS MATTERS
• 1 cup quinoa, cooked
• 1 cup raspberries
• 1 cup blackberries
• 1 cup blueberries
• 1 mango, diced
• ¼ cup honey
• 2 Tbsp lime juice
• 1 Tbsp fresh basil, chopped
INGREDIENTS
1. Cook quinoa per directions.
2. Rinse and prepare seasonal
fruits.
3. In a small bowl, combine lime
juice and honey.
4. Mix quinoa with fruit in a larger
bowl, and drizzle with lime
juice/honey mixture.
5. Garnish with basil.
DIRECTIONS
• Calories: 218
• Fat: 2.3 g
• Carbs: 47.1 g
• Fiber: 6.1 g
• Total Sugar: 23.9 g
• Protein: 5.3 g
6 SERVINGS
NUTRITION FACTS (PER SERVING): Chef notes: Using fresh mint
would also work as a garnish with
this and would create a fresh and
flavorful combination.
QUINOA
FRUIT SALAD
A heartier way to enjoy a side of fruit, as the quinoa really makes it
more of a real healthy afternoon perk-up and its fulfilling.
Sources by Christina Powell
47
BUSINESS MATTERS
46 BUSINESS MATTERS
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