From the category archives:


In early 2015, Australian newspapers reported endlessly on “the 50-year-old rookie,” a woman in Australia who left a career in human resources at 50 to enter real estate, and was so good at it, she won an award. Everyone loves a good career change story, possibly because it helps them see for a moment that they could pull something off one day, too.

It’s important to remember that the opportunity to take a new direction is open to anyone who tries, and not just a few special people.

Some transitions can be harder than others, but short of wanting to be an astronaut or a professional dancer over the age of 50, just about everything is within reach. If you are able to research the new industry that you wish to move into, plan out a strategy and work hard at making progress while you still manage to take care of your responsibilities, usually, you’ll make it. It does take a tremendous amount of confidence, willpower and perseverance, though.

You should be prepared to start at the bottom

Transitioning to a new career is usually as hard as it appears for a simple reason — most people look for a position at about the pay level that they are used to. Understandably, expecting a new career to pay as much as one that you have spent years at is unrealistic. If you’re willing to start at the bottom and work your way to the top, though, most problems associated with career transitions quickly disappear.

Hiring managers won’t be as sceptical, your supervisors at the job won’t be as annoyed with you when you aren’t able to hit the ground running, and you won’t be as anxious. When you prove to everyone that you can be humble, and as absent of ego issues as any fresh-faced graduate, you’ll quickly be accepted.

Before you plan to make a career switch like this, though, you do need to find a way to save up enough to make up for the shortfall in income during the transition. Cutting back on expenses, moving to a more affordable home (you should try to go to Carson & Co.) and changing a few lifestyle habits can help you get through the period. It could take a couple of years to work your way up to the level that you held.

Find mentors to learn from

One of the nicest parts to entering a new field is that all of a sudden you see that you have so much to learn. If you start at the bottom, you won’t have to worry about perceptions of your competence — you will be able to ask questions and make mistakes. You will also do well to find a mentor who is willing to take you under his wing.

You mustn’t be too humble, though

As an older worker with a lifetime of experience to draw upon, you can usually see connections and shortcuts that others can’t. You mustn’t be afraid to take advantage of these insights

As an example, while most hiring managers refuse to be directly contacted by job applicants, you may see a way around the problem. You may only need to write in using a human-voice resume. A resume that that sounds like a personal letter rather than standard corporate boilerplate, will usually inspire a response.

When you are able to directly contact the hiring manager, you can make your case much more effectively.

You can speak about your most transferable skills

Moving to new industry can be all about finding ways to demonstrate how the skills that you’ve acquired so far work perfectly well in the new industry that you’re looking at. People in the past have moved from music, choreography and other artistic work to fields such as sales, simply by trying to point out the skill overlap that they see.

For instance, if you’ve been a secretary, and want to move to a job where you will be an account representative, you should look at the communications and interpersonal skills that you’ve honed in your current profession, and build yourself up in your resume as someone who is all about these skills.

If you were simply to write a standard resume, you would probably list all of your secretarial responsibilities under Experience, stating skills in scheduling meetings and appointments, and so on. The same skill set could be spun differently for an account representative’s job. You could say that you have interacted with a wide range of high net worth individuals in your position trying to schedule meetings for them. It’s important to be creative. Knowing how to present transferable skills is a huge part of making a successful career change.

Jennifer Pollard has worked as a career adviser and also in HR. She understands that switching careers can be challenging and likes to share her insights online regarding all aspects of career guidance. She writes for a number of business and consumer websites.


If you’re an entrepreneur, then it’s very likely that cash flow problems are the bane of your existence. Although your sales performance might be outstanding, freeing up the money that you’re owed can be almost impossible. Without the necessary capital to oil the cogs of your enterprise, the whole machine can come grinding to a halt, forcing you to wait until your next unpredictable cash injection before it can start turning once more.

This is why many businesses turn to invoice financing; more specifically, invoice discounting. Invoice discounting works by advancing payments from your outstanding sales ledger, with the money released by entities found through Touch Financial. This means that rather than having to wait for your customers to settle their bills before you can invest your earnings, you have immediate access to the money you’re owed, significantly improving the flow of cash through your company.

Interested? Here are just three of the reasons why it might be the perfect borrowing solution for your business…

#1: You Won’t Require Security

Although it works in a very different way to more traditional borrowing options, at it’s heart, this is exactly what invoice financing is: a means of borrowing money to fund your company. Thankfully, however, it carries far less risk than other cash flow improving alternatives, mainly because it doesn’t require security. This gives it a huge advantage over loans, as it means that you won’t ever have to risk assets that are too important for you to lose.

#2: Invoice Discounting Grows with Your Business

Another important reason to consider invoice financing is its potential for growth. Unlike other borrowing options, which will only provide you with a finite amount of capital, the cash that you can access is reactive to your sales ledger. To put it simply, this means that as your business grows, so too does the money available to you, so that you’re never limited by the amount you can borrow.

#3: Invoice Discounting is Confidential

Invoice discounting is not the only type of invoice financing that’s available to businesses. Invoice factoring is another option, and it’s one that’s very popular. One of the key differences between the two is their confidentiality, and for those seeking to keep their borrowing habits from their customers, invoice discounting is by far the better option. The responsibility to collect payments remains entirely in your hands, meaning that your lender will never supersede your right to conduct your business as you see fit. Invoice factoring on the other hand, free up your time as the lender proceeds to collect all payments from your customers when they fall due.

If your business needs to borrow, why not consider invoice discountin

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