Truth be told, I was never really a huge sports fan, but I admit to being a bandwagon fan for most of the local sports teams. I “loved” the Cowboys growing up, but then again, I grew up in Dallas in the 90s; I’m pretty sure the Dallas Cowboys were part of my school district’s curriculum. The Mavericks continually sucked until Mark Cuban bought them while I was in high school, I got swept up with Stanley Cup fever in the late ’90s when the Stars had their runs, and the one team I always loved, the Texas Rangers, well…they were the Rangers and you really couldn’t count on them for anything (I do have very high hopes for the future of the franchise though).

When I went to college in California I moved away from all of my home teams, and I didn’t follow professional sports. I didn’t care. I had convinced myself that the people who watched sports continually were the people who didn’t have anything better to do with their time, and I certainly had better things to be doing with my time. I was continually creating, learning, being active, and working. I could never relate to the guys who talked sports all the time, but if they wanted to talk business, politics, or even pop culture I could relate. I made it all the way through college that way. Soon after graduation (and marriage) I got a job and was whacked in the face with a new reality: pro sports are important in the real world.

In the real world most people won’t talk politics with you for fear of offending you (or someone else), not many people want to talk business because that’s what they do all day, and pop culture conversations are so trivial that no one cares; but sports were the gateway into the groups that I found myself most wanting to be a part of. Sports provide the venue for every type of talk from the business of sports, to the trivial items like who Tony Romo is dating. Sports gives you the level playing field (pun intended) to hold your own in a conversation with anyone from the CEO to the UPS guy. (Side note: All of the sports leagues know this and charge ticket prices in accordance).

Talking sports is about relationships. The emotional connection that forms between you and “your” team, the relationship that forms with your coworker because his team is your teams rival, and the relationship of feeling that if you can have a good conversation with someone about sports, you can have a good conversation with them about anything. On the contrary, when meeting someone who doesn’t follow sports it’s extremely difficult to break the ice and find a common ground.

Up to date knowledge of sports is a key part of business in today’s world because businesses are about relationships, and sports can be the key to developing strong relationships. It’s taken some time for me to get back up to speed in my sporting knowledge, but it has served invaluable thanks to my improved ability to network and build relationships.

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As a result we are all extensions of the brand wherever we go. After work when we all go out to happy hour we are walking advertisements and representatives for the brand, and the way that we carry ourselves reflects back on the companies brand; if we slip up, have a few too many, or are rude it reflects back on the brand. We know that this is the case, so we all go above and beyond to act gracious when we get complimented outside of work (very frequently) or attentive and helpful if a customer has a concern. It is clear my employer views us as a physical extension of the brand.

This concept isn’t new, it’s proven, and works, but now is the time for companies to take it a step further.

It seems like everyday I read in the blogosphere about a personal brand and why you need to have a solid online identity which includes, but is definitely not limited to Facebook, Twitter, and Linked In. I always read pretty basic reasonings on why we all need a personal brand, mainly so companies can find you, you can control and own your online image, and so you can market yourself. I agree with all of these things, and I’m not here to offer any new advice on creating a personal brand; for that I recommend going to the master, Dan Schwabel.

What I am here to do is ask a question. Why don’t companies view their employees online personal brands as extensions of the companies brand?

Think about where you represent your company on the internet. Do you have your employer listed on Facebook or Linked In? Do you have a website that contains your resume?

These are primary places where we as individuals represent our employers in todays world. If you have an inappropriate photo on Facebook and your employer is listed, like it or not that photo reflects back on the company and the next time you are in a meeting with someone who has researched you, they might know about that picture of you doing body shots from your last vacation to Mexico. Yes, that is a poor example, but now let’s look at the other side; say you have a strong personal brand, you protect your online image, you blog, you tweet, you are active on Facebook and on great websites like Brazen Careerist; that online presence and your following is a fantastic venue for you to be a steward for the company, instantly adding more value to the company should you choose, or be allowed, to promote your employer.

“That sounds great! Promote us,” your employer might say, but wait…it’s a two way street.

Think of the way large conglomerates advertise their brands. Ziploc, Pledge, and OFF! are all S.C. Johnson Brands. When you look at each of those brands you know they are something different and individual, yet part of something bigger. Every time something good happens to the smaller brand, something good is happening to the bigger brand. If Ziploc has great sales, then that helps S.C. Johnson’s bottom line. On a box of Ziploc there is an S.C. Johnson logo, and on the S.C. Johnson website they feature Ziploc, even at the end of every commercial you hear “S.C. Johnson, a family company.”

Much like the conglomerates there is a mutually beneficial relationship online between an employee with a strong personal brand and their employer’s brand. If I put up on an “About Me” page laying out where I work and what I do in my day job with a logo and a link to the company, I can instantly help give credibility to my employer if you’ve never heard of them, and you might be more inclined to go visit the company. On the other side of the coin, if my employer has a link to me on a company page, it can instantly help give credibility to me as someone who is employed by a great company.

Zappos has a great start at just this, twitter.zappos.com provides realtime streaming of their employees on twitter, but I think it should go a step further. Why not promote employees with good personal brands? Photo, website link, and twitter feed, all on the companies website. Make employees comfortable being online ambassadors for the company by encouraging it and giving them the ability to reach out on the companies behalf even if it’s not their job. It’s even in the companies interest to help employees develop a personal brand online.

The best way to increase brand awareness online is being represented, and if you have a good relationship, what better people to represent you and give you presence than your employee or employer?

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Too often people pour their souls onto the Internet, whether it be a friends wall posting or a blog post, and once it is up, it is permanent. A snapshot of how you were feeling at one point in time has been published to the world, and you can’t change your mind on it. We are the first generation that grew up with social media, our lives are practically public information from politically incorrect jokes we write on a friends facebook wall, to the many many inappropriate pictures of us that other people took and tagged us in. For many it won’t really matter, but for those with big dreams (specifically business, political, or athletic) it may.

For the last 7ish weeks I’ve obviously taken a bit of a hiatus from writing. Some of the hiatus had to do with writers block, some had to do with a lack of desire to write, but a good bit of it was actually me censoring myself. As a writer who draws from his own life experience for just about every post, it’s now much harder to write since my co-workers know about this site. Now, if I write about a bad day at work, even if I write about what I’ve learned from it and try to spin it in a positive light, I could come off as complaining (something no one likes). If I write about how I really messed something up, I could (or would in one instance) become a direct target for all the blame, when I shouldn’t be.

Protecting your personal brand online is fairly easy, and protecting it offline is too, but when those worlds collide it becomes a much different world. These instances are even becoming newsworthy: someone on disability posts facebook pictures of them skydiving, someone fires an employee then updates their status telling the world why, or my personal favorite someone gets a job offer then tweets about it saying how the money is great but the company sucks. I’m not saying to have two different “brands” but think of it like this: your work persona vs. your out at the bars persona. Your friends may not care how you act at work, but your boss may care how you act out at the bars.

Over the coming years, as more members of Gen-Y run for office, and further succeed in business and sports it will be interesting to see the scandals that come from all of this, but I think the bigger question is, as Gen-Y becomes even more of an influence will anyone care about poor decisions posted on facebook or twitter? After all we’ve all had them.

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Having fun may very well be the most crucial aspect in the entrepreneurial process, because if you aren’t having fun you won’t stick with something long enough to see where it can go. The following examples are all people who started out by playing around, tinkering, experimenting, and flat out having fun.

In Steve Wozniak’s autobiography iWoz, he writes about how everything he did in inventing the personal computer was fun for him. He recalls how much fun it was when he played a game where he would try to design a computer using one less chip than he used the time before. Each time he would come up with a more creative way to accomplish his goal. To me that seems impossible, but to him it was playing around. Steve Jobs was the same way, he didn’t have a solid grasp on the engineering side of things, but running the business was his playground.

Michael Dell always loved computers, he loved them so much that he started making them for friends and family. By the time he knew it, he was running a successful business out of his dorm room at the University of Texas…and he was having fun doing it.

My friend in the Inc 500 started out experimenting to see if he could leverage a house he bought to buy another in order to rent it to his fraternity brothers. He had so much fun in the process that it spiraled out of control and by the time he graduated college he was running a $2 million business. 

My wife Mary loves to bake, she describes it as her labor of love. She looks forward to playing in the kitchen, baking for our local farmers market, and we both have fun doing a great deal of work to fulfill some orders that we now have from stores. We are by no means a successful business, but we are having fun doing it and making some extra money. For the time being that’s good enough for us.

Another friend of mine, Chris Anderson, combined the three things he loved to play with: wakeboarding, fluid dynamics, and working with his hands; into literally building a best in class wakeboarding boat in his driveway (article) and founding Epic Boats. In fact, he had so much fun doing that, after he found a manufacturing plant for the boats, he wanted to get his hands dirty again, so he started playing with aero dynamics and working with his hands again. This time around his play turned into one of the hottest electric car companies around: Aptera.

Too often we think of entrepreneurs as huge risk takers, but I hope that by looking at the few examples above you realize that often times they aren’t. In many instances it is just someone tinkering and playing around while having fun. When they finally look up they realize they have something great. That’s how Apple, Dell, Epic Boats, Aptera, our struggling bakery, a successful real estate venture, and even this website came to be.

What are you waiting for? Start playing.

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A few weeks ago I was at the beginning of a 2 hour drive back from a friends lakehouse with my brother when, in the 105 degree Texas heat, the motor for the passenger window broke and the window would not roll up. I spent the rest of the drive progressing in emotional state from pissed off that my brother broke the car (which he wasn’t at fault) to being flat out grumpy because I was so hot, to laughing so hard I cried because of how ridiculous we felt.

Have you ever noticed that setbacks always seem to occur at the worst possible time, and more importantly that they always occur to you? Your computer crashes the night before a paper is due, you get sick before new health insurance kicks in, or you get in a wreck just after you drained your emergency fund to get your transmission fixed. It never fails, Murphy’s law (or what my family has come to know as “Luck of the Bowen”) always seems to show up at the most inopportune times making life much more hectic.

Now take a second and think about all the incidents like this you have had in your life; where it seemed like something that ordinarily would have just sucked, happened at the most awful time.

In looking back, was it really that bad? I would guess not. I know that when I think about the events in my life where everything seemed to go wrong, I realize that whether it was a true catastrophic event or something as silly as the car window not rolling up I am the person I am today because of how I got through them and what I learned from them.

Being a member of the Bowen clan, luck of the Bowen is always in effect and it always hits the pocketbook. As a result Mary and I have taken what we’ve learned from past experiences and started some “hedge” funds to hedge our bets against the expenses that always come out of nowhere.

We have our emergency fund for general emergencies, so far we have managed to save away 3 months expenses if both of us loose our jobs, and 6-8 months if one of us loses a job. We feel like we are in a good place with our emergency fund, and we continue to add to it every month, but we realized that there were other things for which we needed to be putting money away in preparation.

The car window breaking led to us starting a fund to replace the car. After all it is 11 years old with 150k+ miles on it. On top of that, my Labrador continually eating things she shouldn’t (Christmas Ornaments, Bottle of Tums, the Couch, a Chair…) and our Chihuahuas overly expensive teeth cleaning bills ($600) led us to hedging our bets for the dogs and creating a pets fund in which we put money every month for when one of the big pet expenses comes up. (Yes, pets can be VERY expensive, but in my opinion they are completely worth it).

We created these additional funds because we have learned from past experiences which forced us to use credit cards when we didn’t have the money available.

On top of all of these things we are currently evaluating life insurance policies outside of our work coverage, because life is just that unpredictable.

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What’s that you say? You’ve spent hours perfectly crafting every word in order to make yourself look fantastic on paper? You even read my advice on resume building? That’s very kind of you, but I repeat, no one cares, and here are 5 reasons why.

• Resumes are boring. No one wants to read them, not even recruiters. It’s a chore that takes time, and realistically the last time you did read one (instead of glance at it) was when you were writing your own.

• People are lying to protect your feelings. When was the last time you or someone you know told a friend you wouldn’t forward their resume on because it was crap? When was the last time you asked for resume advice and everyone told you it looked good? Friends think a lot of things, but very few friends will be brutally honest to help you, if no one is giving you constructive criticism try sending it to other people.

• Your resume won’t get you a job. Do you really think someone is going to hire you based on a piece of paper?

• You’re exaggerating. Everyone does it to a point, but did you really collaborate with the team on the $300 million dollar project, or did you just make copies for them? If by chance someone does read your resume, they are reading it with a skeptical eye and taking it with a grain of salt.

• You are sending it into a black hole. Applying online? Unless you have a persons e-mail address not a generic recruiting address, it will most likely never be seen by  a human eye. Even if you are sending it to a real persons address, remember it’s a chore to open it and they probably don’t want to.

With all this said, it’s true, no one cares about your resume, but you should still care. As much as it kills me to say it, resumes are still very important, and here are 5 reasons why:

• It’s not for other people, it’s for you. Your resume should be a running tally of every impressive thing you have done, and you should use it as a refresher to remind yourself of these things. It should be up to date whether you are job hunting or not, and when you accomplish something of note, write it down. You can always shorten your resume, it’s very hard to lengthen it. Know your resume backwards and forwards and be able to expand on everything on it without fumbling. Even know what doesn’t make the final cut, your resume will help you in the interview (but be careful to not only talk about what is on the resume).

• It is currently the most accepted way to showcase yourself. We are fast approaching the days when someone will say “send me your link” instead of “send me your resume,” some early adopters have already started this with LinkedIn, however, for the time being the resume is still the most accepted way to showcase yourself.

• Key words help you get a foot in the door. Remember that black hole I wrote about? There is a way out, and that is through key words. More often than not applying to a generic recruiting e-mail address will send your resume into a software program in which it will be looking for key words. If it matches the key words, then someone might look at your resume to see if you fit the bill and invite you in for an interview. So remember to use industry language. (Note: although this is my most hated form of applying for a job, I actually did get my current position this way. It never hurts, but don’t get your hopes up.)

• Be true to yourself. A little embellishment is expected but always be true to yourself and NEVER lie on a resume. Lying on a resume is career suicide and it will come back to haunt you. It is better to not get the job by being honest, than to get it by lying. Just ask George O’Leary, former head coach at Notre Dame who was forced to resign because he lied on his resume.

• It won’t make you, but it can break you. First impressions are important, and the resume is frequently someones first impression of you. While it may not make you, it can definitely break you, so in the off chance that someone actually looks at your resume, it needs to be easy to read and perfect. One misspelled word and you are through.

As Gen-Y becomes more of a staple in the work place I see a lot of this changing, particularly the accepted resume format. I believe we will transition to websites with professional bios being the standard (non-boring) way to showcase yourself. But in the meantime, I’ll continue my love/hate relationship with resumes.

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As many may be guessing that stuff is my collection of trophies from growing up. I have trophies, medals, and awards for everything. I have a soccer trophies, baseball trophies, pinewood derby trophies, a medal from a poetry contest, and tons of certificates and ribbons. It’s really quite an impressive collection, until you look closely and realize that most of them say “competitor,” and none of them say “1st place.” When I came to this realization I just started to laugh because it finally hit me. I really did get a trophy for everything I did, and I never even won anything! (OK, my high school swim team won the national championship, but I assure you I had absolutely nothing to do with it. I was an “alternate” so I could go on the trip).

I’ve been thinking a lot about this and I have to wonder, what do these trophies mean for my career? 

At this point in my career, I’d have to say, not a good thing because the real world has already smacked me in the face for having an expectation of a big shining trophy (metaphorically).

After my first 10 months of working I had my first formal review in which I learned what my raise would be. My boss started out praising my performance and telling me I had done a good job, and then he got around to telling me what my raise would be. I was on the edge of my seat, “My first raise!” I thought, ” I wonder what my promotion will be, Sr. Analyst!?, either way I’m taking Mary out tonight to celebrate!”

That’s about the time when my daydream came to a screeching halt as my thoughts were interrupted with ”2.7.”

“2.7 Percent?” I asked, knowing that I must have heard wrong.

“Yes”

At that point I must have given him the look of death.

“You’re not happy” he said, as I was biting a hole through my lip and trying to keep my composure.

“Well, I don’t know what you were expecting” he said in a calm, business like voice, but “I gave you the max HR would allow.”

That comment stopped me dead in my tracks, “what was I expecting?” I couldn’t answer it. I really had no idea what to expect, all I knew was that I was that I deserved praise, an awesome reward, and hopefully a pizza party afterward. At least I got the praise.

I look at that situation now and I realize that I was subconsciously expecting some sort of championship trophy (in this case more than a 2.7% raise, and hopefully a promotion) when I didn’t get it, I reacted poorly and threw my own little version of a tantrum in which I went on to pretty much tell him that if I wasn’t going to be paid what I was worth, I would find a place that would pay me what I was worth.

Lucky for me I had a really cool boss and when I called later that evening to apologize for being an idiot he laughed, and understood that I was flying blind and had nothing to base any expectations on. In hindsight yes, my reaction was EXTREMELY stupid, and I really don’t know why I was expecting more, especially when I had already survived a layoff that year.

This experience has caused me to pump the brakes a bit on my expectation for praise and rewards, I still work to the best of my ability, and I still want a trophy, I just don’t expect one anymore.

What do you think being part of the “Trophy Generation” will mean for your career?

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As the Treasury Manager of the company, and the writer of this blog, I try my hardest not to get caught up in it, though I admit it’s hard. As a personal finance writer, I preach to be conservative with your money: save, invest prudently, and keep an emergency fund; and as a financial professional in charge of all of a companies cash I act the same way, because if there is one thing I know, it’s that the party always ends.

Adorning the walls of my office I have hung constant reminders of this: vintage advertisements for Chrysler and Chevrolet. Every time I look up and see the ad for “The New 1967 Chevrolet Pickup” or the “Silver Anniversary Edition Chrysler New Yorker,” I think about what their management would have said at that time had someone approached them to announce that their company would go bankrupt. As much as I’d like to think they’d sit down and ask “how? when?” I have a feeling that they would have laughed it off. After all it was the heyday of the automobile!

Think about approaching an internet startup in 2000 (really, any startup will do), with the same information. Money was being handed out left and right, it was a huge party!, but the vast majority of them got caught up in the party and never looked at the bottom line. For a prime example, watch the movie e-dreams which follows the rise and fall of kozmo.com.

What about telling Bear Stearns in 2005? Worldcom or Enron in 2000? Blockbuster in 1999? All of these companies were at the peaks of their “Party” stage in these times, only to go drastically downhill a few short years later.

With all this said, I’m not against the “party,” in fact I love the party stage it’s fun and very exciting, but like any party, you have to party like the party will end, or else you wake up in the bushes wondering where your clothes went.

In personal finance partying like the party will end means saving, planning for retirement, and keeping an emergency fund, all while still enjoying your money. In the business world, that means always keeping an eye on costs (I just saved the company $15k by changing vendors for deposit tickets), managing the funds prudently (and safely), always striving for efficiency, and growing the business at a manageable pace.

If you stick with this advice, the party will last longer, and you’ll be prepared if it abruptly ends.

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In other cultures around the world, you are considered stupid or odd if you don’t talk money. In most parts of the world if you buy something without haggling the salesman will probably make fun of you for being a sucker as soon as you walk away. In America haggling is only considered acceptable in 3 scenarios. The first scenario is if you are buying something from a street vendor (like in New York), the second when you are buying something off of craigslist, and finally, haggling is OK when you are buying a big ticket item like a car or a house.

For some reason society has deemed it alright to negotiate and talk money in these scenarios, but if haggling is acceptable in these scenarios, why isn’t it acceptable in your daily spending? If just by asking for a discount you could get one would you go against this social norm?

I frequently go against this norm, it doesn’t always work, but when it does it feels great. Think about it from the salesman’s perspective, if 5% or 10% off will close the deal and allow them get on to helping the next customer why not? And if 10% off saves you $5 will it be worth the awkward moment? The worst thing that could happen is that they will say no.

Talking money does not only mean haggling, it means sharing your salary, something strictly forbidden in America.

In other cultures sharing your salary is not about bragging, it’s just normal everyday conversation. Xin Lu over at Wise Bread wrote a great post about how her Chinese culture influences her money habits. In the post she talks about how her father once helped a friend get a 20% raise, something that would not have been possible had they not been talking about salaries.

If by sharing your salary a friend could tell you that you are undervalued and try to help you get a higher salary is it OK? If you got a 20% raise I’m pretty sure you’d think so.

Recently I started a new job, and by talking about the offered salary and benefits of the job with someone else, that person helped me to effectively negotiate the offer . Does it feel odd for me to know that someone else knows my salary? Yes a little, but the person who helped was glad to do it and I am extremely grateful to him for it. Sure, at the end of the day I was the one doing the negotiations, and yes, it was a bit awkward, but it was well worth it.

The point here is that Money shouldn’t be taboo. Not everyone is rich, and there is nothing wrong with that, but our culture has ingrained in us that money separates us and defines us. Nothing could be more wrong. Money is something that needs to be talked about by more people, finances cause people more stress than anything, and they are the number one cause for divorce; but if we would all be more open about money we might be able to help each other and it could all change.

Do you talk openly about money? Why or why not?

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