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	<title>Young and Frugal &#187; Life</title>
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	<link>http://www.youngandfrugal.com</link>
	<description>Business and Personal Finance for Millennials</description>
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		<title>What We Used to Have</title>
		<link>http://www.youngandfrugal.com/2010/02/03/what-we-used-to-have/</link>
		<comments>http://www.youngandfrugal.com/2010/02/03/what-we-used-to-have/#comments</comments>
		<pubDate>Thu, 04 Feb 2010 02:26:11 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[DFW]]></category>
		<category><![CDATA[Entrepreneurship]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Childlike]]></category>
		<category><![CDATA[Curiosity]]></category>
		<category><![CDATA[Eyes]]></category>
		<category><![CDATA[Questions]]></category>
		<category><![CDATA[Wonder]]></category>

		<guid isPermaLink="false">http://www.youngandfrugal.com/?p=567</guid>
		<description><![CDATA[When was the last time you looked at the world through the eyes of a child? The eyes of curiosity that see everything with an innate sense of wonder? The eyes it seems we all used to have.
As we grow older everything seems to move at a faster pace, and in the interest of time [...]


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<li><a href='http://www.youngandfrugal.com/2009/03/19/why-i-dont-have-cable/' rel='bookmark' title='Permanent Link: Why I Don&#8217;t Have Cable'>Why I Don&#8217;t Have Cable</a></li>
<li><a href='http://www.youngandfrugal.com/2009/07/14/no-one-cares-about-your-resume-and-why-you-should/' rel='bookmark' title='Permanent Link: No One Cares About Your Resume, and Why You Should'>No One Cares About Your Resume, and Why You Should</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>When was the last time you looked at the world through the eyes of a child? The eyes of curiosity that see everything with an innate sense of wonder? The eyes it seems we all used to have.</p>
<p>As we grow older everything seems to move at a faster pace, and in the interest of time we begin to accept things instead of wondering about the intricacies of why. We easily forget our curiosity that once wasn&#8217;t even satisfied by answers; we lose the curiosity we all used to have.</p>
<p>As adults we all too often look at the simplest items and see them for what they are; a pencil is a pencil. We forget about what it was like to have a sense of wonder, to open our imaginations to the endless possibilities that one simple tool could provide; we forget the wonder we all used to have.</p>
<p>You can get it all back, the eyes, the curiosity, the wonder, it just takes time. Not time as we know it at this stage in our lives; the &#8220;let me block out some room on my calendar&#8221; time, time as in slowing down.</p>
<p>Today I slowed down to examine a pencil, and it was the best part of my day. I didn&#8217;t have a bad day, but taking the time to examine a pencil instead of just use it was that good. I slowed down looked at it and let my mind wonder; I was instantly enthralled by it&#8217;s shape, I became curious as to how many lines of writing were required to flatten what was once a sharp lead tip, and thought about the words, no matter how brilliant, that had been permanently vanished by the now depleted eraser. Whose pencil was this? And how did I come to possess it?</p>
<p>These questions led to more and more, soon I was thinking about the business behind pencils and pondering on what would make this pencil better. In this moment I regained my childlike eyes, curiosity, and wonder. It was spectacular!</p>
<p>Slowing down is all it took, slowing down allowed me to rid myself of the cynicism that somehow creeps into all of us and made everything wholesome and good again.</p>
<p>The eyes, the curiosity, the wonder, we all still have it, we just have to slow down and allow ourselves to let it come out.</p>
<img src="http://www.youngandfrugal.com/?ak_action=api_record_view&id=567&type=feed" alt="" />

<p>Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/09/01/why-do-you-save/' rel='bookmark' title='Permanent Link: Why Do You Save?'>Why Do You Save?</a></li>
<li><a href='http://www.youngandfrugal.com/2009/03/19/why-i-dont-have-cable/' rel='bookmark' title='Permanent Link: Why I Don&#8217;t Have Cable'>Why I Don&#8217;t Have Cable</a></li>
<li><a href='http://www.youngandfrugal.com/2009/07/14/no-one-cares-about-your-resume-and-why-you-should/' rel='bookmark' title='Permanent Link: No One Cares About Your Resume, and Why You Should'>No One Cares About Your Resume, and Why You Should</a></li>
</ol></p>]]></content:encoded>
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		</item>
		<item>
		<title>Thinking Aloud</title>
		<link>http://www.youngandfrugal.com/2010/01/14/thinking-aloud/</link>
		<comments>http://www.youngandfrugal.com/2010/01/14/thinking-aloud/#comments</comments>
		<pubDate>Thu, 14 Jan 2010 19:11:40 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Entrepreneurship]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Time]]></category>
		<category><![CDATA[Updates]]></category>
		<category><![CDATA[creating]]></category>
		<category><![CDATA[Entrepreneur]]></category>
		<category><![CDATA[law]]></category>
		<category><![CDATA[legal]]></category>
		<category><![CDATA[passion]]></category>

		<guid isPermaLink="false">http://www.youngandfrugal.com/?p=549</guid>
		<description><![CDATA[You know that horrible mental state that you get in when you haven&#8217;t gone out of your way to spice up life in a while? Call it a slump, a funk, or a rut&#8230;I&#8217;m in one; it&#8217;s not just writers block either, it&#8217;s my entire mental state. I feel like I have to do something [...]


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<li><a href='http://www.youngandfrugal.com/2009/05/21/entrepreneurship-just-do-it/' rel='bookmark' title='Permanent Link: Entrepreneurship: Just Do It!'>Entrepreneurship: Just Do It!</a></li>
<li><a href='http://www.youngandfrugal.com/2009/09/01/why-do-you-save/' rel='bookmark' title='Permanent Link: Why Do You Save?'>Why Do You Save?</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>You know that horrible mental state that you get in when you haven&#8217;t gone out of your way to spice up life in a while? Call it a slump, a funk, or a rut&#8230;I&#8217;m in one; it&#8217;s not just writers block either, it&#8217;s my entire mental state. I feel like I have to do something to get out of it, and for me this typically means creating something to look forward to&#8230;entrepreneurially.</p>
<p>Seth Godin say&#8217;s that &#8220;you can&#8217;t have good ideas unless you&#8217;re willing to generate a lot of bad ones,&#8221; and while I&#8217;ve generated a lot of bad ones, I&#8217;ve also had a few gems. The funny thing about those &#8220;gems&#8221; is that after many false starts, I&#8217;ve come to realize that that the concept or idea doesn&#8217;t matter, it&#8217;s all about how passionately the idea is pursued that makes it worthwhile.</p>
<p>For example: the Snuggie.</p>
<p>Generally speaking the Snuggie is not a brilliant or even original idea (it&#8217;s been in SkyMall under a different name for years); basically someone marketed a bathrobe being worn backwards. But it&#8217;s a hit, people love it to love it or they love it to mock it, either way it is selling like crazy! In fact, the only reason we all know about this lackluster idea is that someone was crazy enough to wear a bathrobe backwards and passionate enough to see his idea all the way through. (The marketing and pop culture phenomenon behind it is a completely different case study).</p>
<p>Back to my problem: I need something to look forward to entrepreneurially. I have a few fairly well thought out ideas, one of which is a complete revamp of this site to allow for &#8220;user generated content&#8221; (kind of), another would be very legally intensive because it borders on the line of legality (though everyone I&#8217;ve pitched it to loves it), and yet another is to start my own juice bar (I&#8217;m kind of obsessed with smoothies).</p>
<p>While I am confident all of the ideas would work, figuring out which concept to commit myself to is another question. Revamping this site would hands down be the easiest and least capital intensive, though the revenue model is questionable. At this stage it&#8217;s probably a tossup for the most capital intensive concept between the storefront and the legally questionable concept (which would obviously require a legal team.) The most exciting idea is legally questionable (would create incredible buzz&#8230;I already own the domain), the most promising is probably revamping the site, and the juice bar probably has a chance to do the best from a cash-flow standpoint.</p>
<p>My problem really comes down to me being horrible at making decisions. I hate making them; in fact, I&#8217;m horrible at it, the only way I cope in day to day life is that I force myself to make a quick last second decision because I know I will be fine either way (Soup or Salad?).</p>
<p>Currently I&#8217;m leaning towards revamping the site due to the fact that it is the easiest to moonlight. I still have a lawyer looking into some things for me to see if the waters are navigable for the other concept, but for capital purposes at least I should be able to see a relatively quick result on the website, as opposed to the other two.</p>
<p>I&#8217;m sure I&#8217;ll always be keeping my eyes open at various ventures, and coming up with random ideas that would work if I was passionate and pursued them, but for now, I&#8217;ve built what I feel is a pretty good brand and I&#8217;d like to follow it down the rabbit hole to see where it takes me.</p>
<p>After too long, a site revamp is coming. Stay tuned, and I may just need your help.</p>
<p>Thanks for listening.</p>
<img src="http://www.youngandfrugal.com/?ak_action=api_record_view&id=549&type=feed" alt="" />

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<li><a href='http://www.youngandfrugal.com/2009/09/01/why-do-you-save/' rel='bookmark' title='Permanent Link: Why Do You Save?'>Why Do You Save?</a></li>
</ol></p>]]></content:encoded>
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		</item>
		<item>
		<title>The Art of What Not to Post</title>
		<link>http://www.youngandfrugal.com/2009/11/22/the-art-of-what-not-to-post/</link>
		<comments>http://www.youngandfrugal.com/2009/11/22/the-art-of-what-not-to-post/#comments</comments>
		<pubDate>Mon, 23 Nov 2009 02:12:15 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Gen-Y]]></category>
		<category><![CDATA[Jobs]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[networking]]></category>
		<category><![CDATA[blogs]]></category>
		<category><![CDATA[Facebook]]></category>
		<category><![CDATA[Generation Y]]></category>
		<category><![CDATA[Personal Brand]]></category>

		<guid isPermaLink="false">http://www.youngandfrugal.com/?p=530</guid>
		<description><![CDATA[Recently I read a blog post by a young woman who had been fired from her job. She went to lengths to complain about how she felt betrayed by the company, then somehow backtracked and explained how she understood why the company fired her&#8230;because she was a horrible employee. She didn&#8217;t say it in those [...]


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</ol>]]></description>
			<content:encoded><![CDATA[<p>Recently I read a blog post by a young woman who had been fired from her job. She went to lengths to complain about how she felt betrayed by the company, then somehow backtracked and explained how she understood why the company fired her&#8230;because she was a horrible employee. She didn&#8217;t say it in those exact words, but she lead me to believe that she was a horrible employee. As I read her post, I repeatedly asked myself &#8220;what is this girl thinking!?&#8221; She might as well just write &#8220;Horrible Employee, Don&#8217;t Hire Me&#8221; on her resume. All it takes is for one prospective employer to Google her and she&#8217;s no longer a candidate.</p>
<p>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&#8217;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&#8217;t really matter, but for those with big dreams (specifically business, political, or athletic) it may.</p>
<p>For the last 7ish weeks I&#8217;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&#8217;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&#8217;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 <em>all</em> the blame, when I shouldn&#8217;t be.</p>
<p>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&#8217;m not saying to have two different &#8220;brands&#8221; 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.</p>
<p>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&#8217;ve all had them.</p>
<img src="http://www.youngandfrugal.com/?ak_action=api_record_view&id=530&type=feed" alt="" />

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</ol></p>]]></content:encoded>
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		</item>
		<item>
		<title>Why I Blogged a Tweet</title>
		<link>http://www.youngandfrugal.com/2009/09/30/why-i-blogged-a-tweet/</link>
		<comments>http://www.youngandfrugal.com/2009/09/30/why-i-blogged-a-tweet/#comments</comments>
		<pubDate>Thu, 01 Oct 2009 01:14:47 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[House]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Stuff]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Excess]]></category>
		<category><![CDATA[Happiness]]></category>
		<category><![CDATA[Twitter]]></category>

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		<description><![CDATA[On Monday I posted the following:
“Perfection is achieved, not when there is nothing more to add, but when there is nothing left to take away.” -Antione de Saint Exupéry
All 135 characters of this quote fits snugly into the 140 character limit of Twitter, but instead of just tweeting it (which I did), I blogged it.
I [...]


Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/09/27/the-case-for-less/' rel='bookmark' title='Permanent Link: The Case For Less'>The Case For Less</a></li>
<li><a href='http://www.youngandfrugal.com/2009/03/19/why-i-dont-have-cable/' rel='bookmark' title='Permanent Link: Why I Don&#8217;t Have Cable'>Why I Don&#8217;t Have Cable</a></li>
<li><a href='http://www.youngandfrugal.com/2009/11/22/the-art-of-what-not-to-post/' rel='bookmark' title='Permanent Link: The Art of What Not to Post'>The Art of What Not to Post</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>On Monday I posted the following:</p>
<p>“Perfection is achieved, not when there is nothing more to add, but when there is nothing left to take away.” -Antione de Saint Exupéry</p>
<p>All 135 characters of this quote fits snugly into the 140 character limit of Twitter, but instead of just tweeting it (which I did), I blogged it.</p>
<p>I think it&#8217;s fairly obvious why, but at the risk of having excess I will explain. I had a whole blog post centered around the quote, but the rest wasn&#8217;t an improvement on what he wrote, it was excess.</p>
<p>All I can say is that throughout our lives we surround ourselves with excess, excess house, excess car, excess cable channels, excess words in a blog post. And all of this excess only leads to more excess; electricity bills, gas bills, cable bills&#8230; We live highly inflated lifestyles believing that these things make us happy, but the feeling of happiness is fleeting, takes us off track, and leaves us wanting more. Our car is no longer the latest and greatest, so we trade it in for another, a bigger/slimmer TV comes out so ours is already outdated, our wants turn into &#8220;needs&#8221; and we truly think of them that way. When this happens we lose focus of the little joys that make us happiest; things like watching the sunrise, reading a good book, meditating, and spending time with loved ones.</p>
<p>I won&#8217;t proclaim to have the answers to perfect happiness, but I would bet that it starts out by stripping away the excess in our lives.</p>
<img src="http://www.youngandfrugal.com/?ak_action=api_record_view&id=504&type=feed" alt="" />

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</ol></p>]]></content:encoded>
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		</item>
		<item>
		<title>The Case For Less</title>
		<link>http://www.youngandfrugal.com/2009/09/27/the-case-for-less/</link>
		<comments>http://www.youngandfrugal.com/2009/09/27/the-case-for-less/#comments</comments>
		<pubDate>Mon, 28 Sep 2009 01:26:39 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Finance]]></category>
		<category><![CDATA[Frugality]]></category>
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		<category><![CDATA[Jobs]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Planning]]></category>
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		<category><![CDATA[Purging Stuff]]></category>
		<category><![CDATA[Quotes]]></category>

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		<description><![CDATA[&#8220;Perfection is achieved, not when there is nothing more to add, but when there is nothing left to take away.&#8221; -Antione de Saint Exupéry


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</ol>]]></description>
			<content:encoded><![CDATA[<p>&#8220;Perfection is achieved, not when there is nothing more to add, but when there is nothing left to take away.&#8221; -Antione de Saint Exupéry</p>
<img src="http://www.youngandfrugal.com/?ak_action=api_record_view&id=497&type=feed" alt="" />

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		<title>The Playful Entrepreneur</title>
		<link>http://www.youngandfrugal.com/2009/09/24/the-playful-entrepreneur/</link>
		<comments>http://www.youngandfrugal.com/2009/09/24/the-playful-entrepreneur/#comments</comments>
		<pubDate>Thu, 24 Sep 2009 23:20:36 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Entrepreneurship]]></category>
		<category><![CDATA[Jobs]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Apple]]></category>
		<category><![CDATA[Aptera]]></category>
		<category><![CDATA[Epic Boats]]></category>
		<category><![CDATA[Having Fun]]></category>
		<category><![CDATA[Money]]></category>
		<category><![CDATA[Playing]]></category>
		<category><![CDATA[Steve Wozniak]]></category>
		<category><![CDATA[work]]></category>

		<guid isPermaLink="false">http://www.youngandfrugal.com/?p=489</guid>
		<description><![CDATA[I have a friend who is a very successful entrepreneur, so successful that at 24 he is the youngest CEO listed in the 2009 Inc 500 (a listing of the 500 fastest growing, privately held companies in the country). He is the person who instilled in me that entrepreneurship isn&#8217;t about what you are doing, it&#8217;s [...]


Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/05/21/entrepreneurship-just-do-it/' rel='bookmark' title='Permanent Link: Entrepreneurship: Just Do It!'>Entrepreneurship: Just Do It!</a></li>
<li><a href='http://www.youngandfrugal.com/2009/04/20/an-open-farewell-letter-to-co-workers/' rel='bookmark' title='Permanent Link: An Open Farewell Letter To My Co-Workers'>An Open Farewell Letter To My Co-Workers</a></li>
<li><a href='http://www.youngandfrugal.com/2009/07/14/no-one-cares-about-your-resume-and-why-you-should/' rel='bookmark' title='Permanent Link: No One Cares About Your Resume, and Why You Should'>No One Cares About Your Resume, and Why You Should</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>I have a friend who is a very successful entrepreneur, so successful that at 24 he is the youngest CEO listed in the 2009 <a title="Inc 500" href="http://www.inc.com/inc5000/2009/index.html" target="_blank">Inc 500</a> (a listing of the 500 fastest growing, privately held companies in the country). He is the person who instilled in me that <strong>entrepreneurship isn&#8217;t about what you are doing, it&#8217;s about the fact that you are doing it.</strong> (Something that I also wrote about in <a title="Entrepreneurship: Just Do It" href="http://www.youngandfrugal.com/2009/05/21/entrepreneurship-just-do-it/" target="_blank">Entrepreneurship: Just Do It</a>). This phrase is something that I have really taken to heart, and as a result I&#8217;ve gotten the ball rolling on multiple projects. But I want to add something crucial to the phrase: <strong>entrepreneurship isn&#8217;t about what you are doing, it&#8217;s about the fact that you are doing it and having fun.</strong></p>
<p>Having fun may very well be the most crucial aspect in the entrepreneurial process, because if you aren&#8217;t having fun you won&#8217;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.</p>
<p>In Steve Wozniak&#8217;s autobiography <a title="iWoz" href="http://www.amazon.com/gp/product/0393330435?ie=UTF8&amp;tag=younandfrug-20&amp;linkCode=as2&amp;camp=1789&amp;creative=390957&amp;creativeASIN=0393330435" target="_blank">iWoz</a>, 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&#8217;t have a solid grasp on the engineering side of things, but running the business was his playground.</p>
<p>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&#8230;and he was having fun doing it.</p>
<p>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. </p>
<p>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&#8217;s good enough for us.</p>
<p>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 (<a title="Wakeworld: Epic Boat Creation" href="http://www.wakeworld.com/getarticle.asp?articleid=296" target="_blank">article</a>) and founding <a title="Epic Boats" href="http://www.epicboats.com/" target="_blank">Epic Boats</a>. 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: <a title="Aptera" href="http://www.aptera.com/" target="_blank">Aptera</a>.</p>
<p>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&#8217;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&#8217;s how Apple, Dell, Epic Boats, Aptera, our struggling bakery, a successful real estate venture, and even this website came to be.</p>
<p>What are you waiting for? Start playing.</p>
<img src="http://www.youngandfrugal.com/?ak_action=api_record_view&id=489&type=feed" alt="" />

<p>Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/05/21/entrepreneurship-just-do-it/' rel='bookmark' title='Permanent Link: Entrepreneurship: Just Do It!'>Entrepreneurship: Just Do It!</a></li>
<li><a href='http://www.youngandfrugal.com/2009/04/20/an-open-farewell-letter-to-co-workers/' rel='bookmark' title='Permanent Link: An Open Farewell Letter To My Co-Workers'>An Open Farewell Letter To My Co-Workers</a></li>
<li><a href='http://www.youngandfrugal.com/2009/07/14/no-one-cares-about-your-resume-and-why-you-should/' rel='bookmark' title='Permanent Link: No One Cares About Your Resume, and Why You Should'>No One Cares About Your Resume, and Why You Should</a></li>
</ol></p>]]></content:encoded>
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		<title>The Rules of Haggling</title>
		<link>http://www.youngandfrugal.com/2009/09/06/the-rules-of-haggling/</link>
		<comments>http://www.youngandfrugal.com/2009/09/06/the-rules-of-haggling/#comments</comments>
		<pubDate>Sun, 06 Sep 2009 13:31:09 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Bargains]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Stuff]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[haggling]]></category>
		<category><![CDATA[Bargaining]]></category>
		<category><![CDATA[buying]]></category>
		<category><![CDATA[economy]]></category>
		<category><![CDATA[negotiating]]></category>

		<guid isPermaLink="false">http://www.youngandfrugal.com/?p=446</guid>
		<description><![CDATA[It&#8217;s no secret that I enjoy haggling. I have written a great deal on it, and even been interviewed by Forbes about it; but this last week I was interviewed by a local Television station about haggling, and this new experience prompted me to develop some good faith rules to haggling.
Why develop rules for something [...]


Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/05/17/why-is-money-taboo/' rel='bookmark' title='Permanent Link: Why Is Money Taboo?'>Why Is Money Taboo?</a></li>
<li><a href='http://www.youngandfrugal.com/2009/09/08/welcome-wfaa-viewers/' rel='bookmark' title='Permanent Link: Welcome WFAA Viewers!'>Welcome WFAA Viewers!</a></li>
<li><a href='http://www.youngandfrugal.com/2009/04/20/an-open-farewell-letter-to-co-workers/' rel='bookmark' title='Permanent Link: An Open Farewell Letter To My Co-Workers'>An Open Farewell Letter To My Co-Workers</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>It&#8217;s no secret that I enjoy haggling. I have written a great deal on it, and even been interviewed by <a href="http://www.forbes.com/global/2009/0608/finance-deflation-bargains-haggle-economy.html">Forbes</a> about it; but this last week I was interviewed by a local Television station about haggling, and this new experience prompted me to develop some good faith rules to haggling.</p>
<p>Why develop rules for something that is essentially every man for himself? Because with the economy where it is, the consumer has great power, and as we all know, with great power comes great responsibility. So if you want to be a responsible haggler, try out the rules below.</p>
<ul>
<li><strong>No Lying</strong>.  Remember that salespeople CAN get in trouble by lowering a price for you, so your lie could potentially get a person fired. Plus it&#8217;s just bad karma.</li>
<li><strong>Don&#8217;t haggle unless you are prepared to buy</strong>. If you spend time haggling with a salesperson, you had better be prepared to buy when you get your price. If he agrees to your price and you don&#8217;t buy, you are flat out wasting his time when he could be selling to other people at higher margins. Plus your chances of being able to work with him again drops and he is less likely to budge on price with other people because it didn&#8217;t get him a sale.</li>
<li><strong>Walk if you don&#8217;t get your price. </strong>If you are trying to haggle and it doesn&#8217;t work you should thank the person for the time, accept it and leave. Haggling doesn&#8217;t always work, but if it doesn&#8217;t work and you purchase anyway, you are accepting defeat.</li>
<li><strong>Be courteous. </strong>Remember, no one owes you anything other than to let you buy the product at it&#8217;s marked price. Buying in a retail store is not like buying a car, where you constantly feel like they are trying to gouge you. Being civil and fair is the key, so don&#8217;t be pushy and always be grateful, even if it is thanking the person for their time when you leave.</li>
<li><strong>Be a good customer.</strong> If someone gives you a good deal, let them know that their faith in you was not misplaced. Go back to that person the next time you shop, but still expect another deal. Also, don&#8217;t haggle with the person every time, you don&#8217;t want the guy that really hooked you up to dread seeing your face again because you are going to try and milk another deal. Relationships are always key in haggling.</li>
<li><strong>Remember that you don&#8217;t always need to haggle to get a good deal. </strong>There are many ways, aside from haggling to get a great deal. Check out <a title="Y&amp;F Secrets of a Bargain Hunter" href="http://www.youngandfrugal.com/2008/01/31/secrets-of-a-bargain-hunter/" target="_blank">Secrets of a Bargain Hunter</a> to find out how!</li>
</ul>
<p>These rules may not only be key in helping you get your price, but they also ensure that the salesperson doesn&#8217;t have a bad experience with someone trying to haggle.</p>
<img src="http://www.youngandfrugal.com/?ak_action=api_record_view&id=446&type=feed" alt="" />

<p>Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/05/17/why-is-money-taboo/' rel='bookmark' title='Permanent Link: Why Is Money Taboo?'>Why Is Money Taboo?</a></li>
<li><a href='http://www.youngandfrugal.com/2009/09/08/welcome-wfaa-viewers/' rel='bookmark' title='Permanent Link: Welcome WFAA Viewers!'>Welcome WFAA Viewers!</a></li>
<li><a href='http://www.youngandfrugal.com/2009/04/20/an-open-farewell-letter-to-co-workers/' rel='bookmark' title='Permanent Link: An Open Farewell Letter To My Co-Workers'>An Open Farewell Letter To My Co-Workers</a></li>
</ol></p>]]></content:encoded>
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		<title>Why Do You Save?</title>
		<link>http://www.youngandfrugal.com/2009/09/01/why-do-you-save/</link>
		<comments>http://www.youngandfrugal.com/2009/09/01/why-do-you-save/#comments</comments>
		<pubDate>Wed, 02 Sep 2009 02:43:45 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Entrepreneurship]]></category>
		<category><![CDATA[Frugality]]></category>
		<category><![CDATA[Gen-Y]]></category>
		<category><![CDATA[House]]></category>
		<category><![CDATA[Life]]></category>
		<category><![CDATA[Planning]]></category>
		<category><![CDATA[Time]]></category>
		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Growing]]></category>
		<category><![CDATA[Learning]]></category>
		<category><![CDATA[Retirement]]></category>
		<category><![CDATA[Travel]]></category>

		<guid isPermaLink="false">http://www.youngandfrugal.com/?p=448</guid>
		<description><![CDATA[As children most of us learned about money, and what saving meant via some sort of allowance. We got a certain amount of money per week (most likely for doing chores) and that money was ours to do with what we wanted.
When I first started receiving an allowance, I did what any kid in my [...]


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<li><a href='http://www.youngandfrugal.com/2009/06/16/the-party-always-ends/' rel='bookmark' title='Permanent Link: The Party Always Ends'>The Party Always Ends</a></li>
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</ol>]]></description>
			<content:encoded><![CDATA[<p>As children most of us learned about money, and what saving meant via some sort of allowance. We got a certain amount of money per week (most likely for doing chores) and that money was ours to do with what we wanted.</p>
<p>When I first started receiving an allowance, I did what any kid in my shoes would have done&#8230;I stole my brothers old velcro neon yellow wallet, and from then on I would walk around with my wallet just like I had seen my dad and brothers do. A wallet was like magic, you open it up and money comes out. &#8220;I&#8217;m a big kid now,&#8221; I thought to myself.</p>
<p>I went everywhere with my wallet, but <strong>I soon came to realize that my wallet was always empty</strong>. A couple years later, in an effort to make extra money, I began helping with my brother&#8217;s lawn business; but my problem remained&#8230;I never had any money for what I wanted and I was always broke. This especially hurt because I was now doing hard work with my brothers instead of the little made up chores my parents would pay me for to rationalize my &#8220;allowance.&#8221;</p>
<p>&#8220;I&#8217;m broke&#8221; is a funny thing for a 10 year old to say, and even though I still had full access to the ATM (Bank of Mom and Dad), I cherished being able to say that I bought stuff with my own money, so I had to figure out the problem. I remember looking around at all the stuff in my room and figuring out where all of my hard earned money went. I saw tons of crappy toys that I never played with, a pair of really cool sunglasses that I could never wear because I wore regular glasses, and a bunch of baseball cards in drawers. I realized that I had spent money on a ton of <a title="Y&amp;F The End of Stuff" href="http://www.youngandfrugal.com/2008/11/12/the-end-of-stuff-when-to-say-no-to-free/" target="_blank">stuff </a>that I never used and/or didn&#8217;t even like, and to make matters more ironic,<strong> I had bought most of it on impulse because I had my wallet with me and thought &#8220;Why not?&#8221;</strong></p>
<p>After I came to this childish epiphany I began saving by hiding money around my room. Before I knew it, I had enough money to buy the new baseball glove I wanted, and when my parents realized I had started saving, they took me to the bank to open a savings account.</p>
<p>As children it&#8217;s easy to realize why we save. We set our savings goals for the short term in the form of the items we want. We save up, get our new toy, and set our eyes on the next savings goal, but as with everything in life, our perspective changes as we grow older.</p>
<p>I went a long time just making deposits to that savings account, in fact even at 16, when I finally did touch it, I managed to not waste all of it lifting my Jeep (OK, I did waste most of it). Soon after spending way too much money on my Jeep, I set my sights on homeownership. And for the next 6+ years I saved and invested with this end goal in mind; then when Mary and I got married, our combined savings allowed us to realize this goal.</p>
<p><strong>As we grow older our financial goals change from being weeks away, to months away, to years away, to decades away.</strong> And now as I write this, financial goals are harder than ever to define. For us, goals are no longer defined by material things like a car or a house, but they are defined by ideals and the dreams of another generation that wanted to escape the workforce all together. Now these dreams that once seemed so defined are now obscure words that mean different things to different people. Words like entrepreneur, travel, and retirement.</p>
<p>To you retirement may mean leaving the workforce all together and escaping to some exotic beach. To me that sounds like an empty world of boredom because I don&#8217;t plan to retire in the traditional sense. I want to be just like my 89 year old grandfather who is still a highly sought after consultant; he doesn&#8217;t need to work but chooses to, and thus he remains the smartest and most quick witted person I know.</p>
<p>Saving without having an understanding of what you are saving for makes saving that much harder. You say you are saving for retirement but what does that mean to you? How much will it cost to live the lifestyle that you want for the number of years that you want? You want to start your own business? Awesome! How much does it cost to be an entrepreneur? You want to be able to drop everything and travel the world? How much will it cost, where will you go, what will you do? And most importantly, how long do you need to save to achieve your version of these goals?</p>
<p>Going through a series of questions like these either by yourself or with your spouse may be the most important time investment you make. Doing this allows you to define your goals and have a true understanding of why you save the way you do. Maybe you&#8217;ll find that in order to finance your goals you won&#8217;t need as much money as you thought so you can cut back on saving, or maybe you want to keep the same pace to achieve those goals earlier. Regardless, <strong>having a name to every dollar you save makes saving that much easier because it gives you a defined end goal.</strong></p>
<p>Why do you save?</p>
<img src="http://www.youngandfrugal.com/?ak_action=api_record_view&id=448&type=feed" alt="" />

<p>Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/03/19/why-i-dont-have-cable/' rel='bookmark' title='Permanent Link: Why I Don&#8217;t Have Cable'>Why I Don&#8217;t Have Cable</a></li>
<li><a href='http://www.youngandfrugal.com/2009/06/16/the-party-always-ends/' rel='bookmark' title='Permanent Link: The Party Always Ends'>The Party Always Ends</a></li>
<li><a href='http://www.youngandfrugal.com/2009/09/24/the-playful-entrepreneur/' rel='bookmark' title='Permanent Link: The Playful Entrepreneur'>The Playful Entrepreneur</a></li>
</ol></p>]]></content:encoded>
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		<item>
		<title>Fun And Frugal</title>
		<link>http://www.youngandfrugal.com/2009/08/11/fun-and-frugal/</link>
		<comments>http://www.youngandfrugal.com/2009/08/11/fun-and-frugal/#comments</comments>
		<pubDate>Tue, 11 Aug 2009 12:45:05 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Budget]]></category>
		<category><![CDATA[House]]></category>
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		<category><![CDATA[Uncategorized]]></category>
		<category><![CDATA[Frugal]]></category>
		<category><![CDATA[Fun]]></category>
		<category><![CDATA[Fun and Frugal]]></category>
		<category><![CDATA[Gen-Y]]></category>
		<category><![CDATA[Know Thyself]]></category>
		<category><![CDATA[Personal Finance]]></category>
		<category><![CDATA[Priorities]]></category>

		<guid isPermaLink="false">http://www.youngandfrugal.com/?p=419</guid>
		<description><![CDATA[Last week I was interviewed by Erin Darling over at The Pop Fix, and I answered 12 questions based on the premise that their readers consist of mainly Gen-Y who are into the pop culture scene. Erin asked me some questions that were so good I had to refrain from posting full blog posts for [...]


Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/04/08/the-opportunity-cost-of-home-ownership/' rel='bookmark' title='Permanent Link: The Opportunity Cost of Home Ownership'>The Opportunity Cost of Home Ownership</a></li>
<li><a href='http://www.youngandfrugal.com/2009/09/30/why-i-blogged-a-tweet/' rel='bookmark' title='Permanent Link: Why I Blogged a Tweet'>Why I Blogged a Tweet</a></li>
<li><a href='http://www.youngandfrugal.com/2009/11/22/the-art-of-what-not-to-post/' rel='bookmark' title='Permanent Link: The Art of What Not to Post'>The Art of What Not to Post</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>Last week I was interviewed by <a title="Twitter" href="http://twitter.com/ErinADarling" target="_blank">Erin Darling</a> over at <a title="THE POP FIX Q&amp;A w/ Daniel Bowen" href="http://thepopfix.com/2009/08/03/bowen/" target="_blank">The Pop Fix</a>, and I answered 12 questions based on the premise that their readers consist of mainly Gen-Y who are into the pop culture scene. Erin asked me some questions that were so good I had to refrain from posting full blog posts for each. I do, however, want to focus on a recurring theme in her questions: The ability to be financially responsible and still be social/have fun.</p>
<p>Over a year ago I wrote a post asking the question: &#8220;<a title="Young and Frugal: Is it possible..." href="http://www.youngandfrugal.com/2008/03/14/is-it-possible-to-be-young-and-frugal-and-still-have-a-vibrant-social-life/" target="_blank">Is it possible to be young and frugal and still have a vibrant social life?</a>&#8221; To which I came to the answer of &#8220;it&#8217;s hard.&#8221; But in the 18 months since I wrote that post, I have learned a great deal about money and my own psyche and therefore would like to change my answer.</p>
<p>At the time of the previous post Mary and I had set our priorities on purchasing a nice new house, and accordingly were saving every penny in anticipation of the closing. As a result, we weren&#8217;t doing anything besides working and working out, which was starting to get old. In a nutshell, I was <a title="Control Money or Money Will Control You" href="http://www.youngandfrugal.com/2009/01/06/control-money-or-money-will-control-you/" target="_blank">letting money control me</a> and it was kind of depressing. </p>
<p>Since then a great deal has changed, and I have learned that really knowing who you are as a person and as a couple is the most important aspect of setting priorities. Going without certain aspects in our lives to which we had become accustomed made us realize where our priorities were individually and as a couple.  Sure we accumulated a good amount of money for our house, but it wasn&#8217;t any fun because we were saving too much. With this in mind we reworked our budget after the close to allow for more social activities, entertainment, and wants.</p>
<p>Now we no longer feel bad about wanting to go to Starbucks or going out to lunch with co-workers because we know that having that social aspect in our lives is important to who we are. Instead of shunning social spending we accept it as something that is needed for us to stay sane&#8230;and believe me, sanity is a priority.</p>
<p>Making priorities is part of being frugal and living a balanced lifestyle, so if you ask me now if it&#8217;s possible to be young and frugal and still have a vibrant social life, the answer is absolutely yes&#8230; if you choose to make it a priority.</p>
<img src="http://www.youngandfrugal.com/?ak_action=api_record_view&id=419&type=feed" alt="" />

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<li><a href='http://www.youngandfrugal.com/2009/11/22/the-art-of-what-not-to-post/' rel='bookmark' title='Permanent Link: The Art of What Not to Post'>The Art of What Not to Post</a></li>
</ol></p>]]></content:encoded>
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		<title>No One Cares About Your Resume, and Why You Should</title>
		<link>http://www.youngandfrugal.com/2009/07/14/no-one-cares-about-your-resume-and-why-you-should/</link>
		<comments>http://www.youngandfrugal.com/2009/07/14/no-one-cares-about-your-resume-and-why-you-should/#comments</comments>
		<pubDate>Wed, 15 Jul 2009 03:32:33 +0000</pubDate>
		<dc:creator>Daniel</dc:creator>
				<category><![CDATA[Advice]]></category>
		<category><![CDATA[Gen-Y]]></category>
		<category><![CDATA[Jobs]]></category>
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		<category><![CDATA[Brazen Careerist]]></category>
		<category><![CDATA[Job]]></category>
		<category><![CDATA[Job Hunt]]></category>
		<category><![CDATA[job hunting]]></category>
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		<description><![CDATA[NEWSFLASH: No one cares about your resume.
What&#8217;s that you say? You&#8217;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&#8217;s very kind of you, but I repeat, no one cares, and here are 5 reasons why.

Resumes are boring. No one wants [...]


Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/11/22/the-art-of-what-not-to-post/' rel='bookmark' title='Permanent Link: The Art of What Not to Post'>The Art of What Not to Post</a></li>
<li><a href='http://www.youngandfrugal.com/2009/04/20/an-open-farewell-letter-to-co-workers/' rel='bookmark' title='Permanent Link: An Open Farewell Letter To My Co-Workers'>An Open Farewell Letter To My Co-Workers</a></li>
<li><a href='http://www.youngandfrugal.com/2009/07/09/what-do-your-trophies-mean-for-your-career/' rel='bookmark' title='Permanent Link: What Do Your Trophies Mean For Your Career?'>What Do Your Trophies Mean For Your Career?</a></li>
</ol>]]></description>
			<content:encoded><![CDATA[<p>NEWSFLASH: No one cares about your resume.</p>
<p>What&#8217;s that you say? You&#8217;ve spent hours perfectly crafting every word in order to make yourself look fantastic on paper? You even read <a title="Getting a Job: The Resume" href="http://www.youngandfrugal.com/2008/08/14/getting-a-job-the-resume/" target="_blank">my advice on resume building?</a> That&#8217;s very kind of you, but I repeat, no one cares, and here are 5 reasons why.</p>
<ul>
<li><strong>Resumes are boring</strong>. No one wants to read them, not even recruiters. It&#8217;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.</li>
</ul>
<ul>
<li><strong>People are lying to protect your feelings</strong>. When was the last time you or someone you know told a friend you wouldn&#8217;t forward their resume on because it was crap? When was the last time you asked for resume advice and <em>everyone</em> 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.</li>
</ul>
<ul>
<li><strong>Your resume won&#8217;t get you a job.</strong> Do you really think someone is going to hire you based on a piece of paper?</li>
</ul>
<ul>
<li><strong>You&#8217;re exaggerating.</strong> 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.</li>
</ul>
<ul>
<li><strong>You are sending it into a black hole.</strong> 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&#8217;s a chore to open it and they probably don&#8217;t want to.</li>
</ul>
<p>With all this said, it&#8217;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:</p>
<ul>
<li><strong>It&#8217;s not for other people, it&#8217;s for you. </strong>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&#8217;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&#8217;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).</li>
</ul>
<ul>
<li><strong>It is currently the most accepted way to showcase yourself.<span style="font-weight: normal;"> We are fast approaching the days when someone will say &#8220;send me your link&#8221; instead of &#8220;send me your resume,&#8221; 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.</span></strong></li>
</ul>
<ul>
<li><strong>Key words help you get a foot in the door. </strong>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&#8217;t get your hopes up.)</li>
</ul>
<ul>
<li><strong>Be true to yourself. </strong>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 <a title="George O'Leary" href="http://en.wikipedia.org/wiki/George_O'Leary" target="_blank">George O&#8217;Leary</a>, former head coach at Notre Dame who was forced to resign because he lied on his resume.</li>
</ul>
<ul>
<li><strong>It won&#8217;t make you, but it can break you.</strong> 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.</li>
</ul>
<p>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&#8217;ll continue my love/hate relationship with resumes.</p>
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<p>Related posts:<ol><li><a href='http://www.youngandfrugal.com/2009/11/22/the-art-of-what-not-to-post/' rel='bookmark' title='Permanent Link: The Art of What Not to Post'>The Art of What Not to Post</a></li>
<li><a href='http://www.youngandfrugal.com/2009/04/20/an-open-farewell-letter-to-co-workers/' rel='bookmark' title='Permanent Link: An Open Farewell Letter To My Co-Workers'>An Open Farewell Letter To My Co-Workers</a></li>
<li><a href='http://www.youngandfrugal.com/2009/07/09/what-do-your-trophies-mean-for-your-career/' rel='bookmark' title='Permanent Link: What Do Your Trophies Mean For Your Career?'>What Do Your Trophies Mean For Your Career?</a></li>
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